From CTC to in-hand in India
Your in-hand pay is your gross minus your EPF contribution (12% of basic), income tax (TDS) and a small professional tax. Under the new regime, the standard deduction and the Section 87A rebate keep tax low — often nil up to ₹12.75 lakh of salary.
Good to know
EPF is deducted from take-home but it is your own savings, earning ~8.25% a year. The employer also contributes separately, which is part of CTC but not your in-hand pay.
Common questions
Your EPF contribution (12% of basic), income tax (TDS) and professional tax. Your EPF is your own retirement savings, not a tax.
Under the new regime, the standard deduction (₹75,000) plus the Section 87A rebate make tax effectively nil for salaried income up to about ₹12.75 lakh.
You enter gross/CTC; we estimate in-hand after EPF, tax and professional tax. CTC also includes the employer EPF share, which is not part of your take-home.