CTC to Net Pay

In-Hand Salary Calculator

Enter your CTC and structure assumptions to see the actual monthly amount that lands in your bank account, after EPF, ESI and Professional Tax.

Enter Details

Common for employers who cap EPF contribution at the statutory wage ceiling instead of full Basic.
Varies by state — 0 in states with no PT (e.g. Haryana, UP). Adjust or set to 0.

Result

Fill in the details and calculate to see the breakdown here.
₹0
Net In-Hand, per month
Monthly Gross (CTC ÷ 12, minus Employer PF & gratuity provision)₹0
Less: Employee EPF (12%)₹0
Less: ESI (0.75%, if gross ≤ ₹21,000)₹0
Less: Professional Tax₹0
Net In-Hand (Monthly)₹0
Net In-Hand (Annual)₹0
This excludes income tax (TDS) — use the TDS on Salary Calculator for the exact tax-adjusted figure.

Frequently Asked Questions

What is the difference between CTC and in-hand salary?
CTC (Cost to Company) includes employer PF, gratuity provisioning and other employer costs that never reach your bank account. In-hand salary is CTC minus employer contributions, minus your own PF, ESI and Professional Tax deductions.

Why is my in-hand salary lower after the new Labour Codes?
The Labour Codes (effective 21 Nov 2025) require Basic + DA to be at least 50% of CTC. A higher mandated Basic increases PF deduction, which can lower take-home pay even though CTC is unchanged.

Does ESI apply to my salary?
ESI applies only if gross monthly wages are ₹21,000 or below, at 0.75% employee / 3.25% employer contribution.