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CTC ₹3 LPA In-Hand Salary 2025-26 (New Regime)
On a CTC of ₹3,00,000 (3 LPA) with 50% basic (₹1,50,000), non-metro city, and Karnataka professional tax, the gross salary is ₹2,74,785 after deducting employer EPF (₹18,000) and gratuity (₹7,215). Under the new regime, income tax is ₹0 (well within the §87A zero-tax band). After employee EPF (₹18,000) and professional tax (₹2,400), the annual in-hand is ₹2,54,385 — ₹21,199 per month. In-hand is 84.8% of CTC. Note: actual in-hand depends on your employer's specific CTC structure and basic-% split.
CTC ₹3,00,000, new regime, 50% basic, non-metro, Karnataka PT (FY 2025-26):
- Gross salary: ₹2,74,785 (CTC minus employer EPF ₹18,000 and gratuity ₹7,215)
- Employee EPF: ₹18,000 | Professional tax: ₹2,400 | Income tax: ₹0
- Annual in-hand: ₹2,54,385 | Monthly in-hand: ₹21,199 (84.8% of CTC)
Frequently asked questions
How much is the in-hand salary for 3 LPA CTC?
On a ₹3,00,000 CTC (3 LPA) with 50% basic, new regime, non-metro, and Karnataka PT, the annual in-hand is ₹2,54,385 — ₹21,199/month. That is 84.8% of CTC. Income tax is zero under the §87A rebate.
What is the EPF deduction on a 3 LPA salary?
On ₹3L CTC with 50% basic (₹1.5L/yr = ₹12,500/mo), the employee EPF is ₹18,000/year (12% of basic). The employer also contributes ₹18,000/year — but that is part of CTC, not an extra cost to you.