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₹21 LPA In Hand Salary

See your exact ₹21 LPA in hand salary, with the full CTC breakdown, nearby salary levels, and an old vs. new tax regime comparison.

Your ₹21 LPA in hand salary

₹1.51 L

86% of your ₹21 LPA CTC, per month

Annual CTC

₹21.00 L

Net in hand (yearly)

₹18.14 L

Your ₹21 LPA in hand salary comes to about ₹1.51 L a month. That's 86% of your ₹21 LPA CTC once PF, professional tax, and income tax are deducted. Under the new tax regime (the default since FY 2023-24), income tax alone accounts for ₹2.00 L a year on a ₹21 LPA CTC. These figures use typical salary-structure assumptions (40% Basic, HRA at 50% of Basic). Your employer's actual split will shift your exact ₹21 LPA in hand salary, so it's worth using the live calculator further down this page to check your own number.

Your ₹21 LPA in hand salary is different from your CTC (Cost to Company) figure your offer letter quotes. CTC includes employer-side costs like the employer's own PF contribution and the gratuity provision, and neither of those ever reaches your bank account. Your real ₹21 LPA in hand salary is what's left after those, plus your own PF contribution, professional tax, and income tax.

₹21 LPA in hand salary: full CTC breakdown

Every component, from Basic down to your final net in-hand amount.

ComponentAnnualMonthlyStatus

Basic salary₹8.40 L₹70,000

Salary component

40% of CTC

HRA₹4.20 L₹35,000

Salary component

20% of CTC

Special allowance₹7.78 L₹64,833

Salary component

37% of CTC

Employer PF₹21,600₹1,800

Not in your payslip

1% of CTC

Gratuity provision₹40,404₹3,367

Not in your payslip

2% of CTC

Employee PF-₹21,600-₹1,800

Deduction

1% of CTC

Professional tax-₹2,400-₹200

Deduction

0% of CTC

Income tax (New regime)-₹2.00 L-₹16,692

Deduction

10% of CTC

Net in hand₹18.14 L₹1.51 L

Take-home

86% of CTC

How this is calculated

Every step of the math behind this ₹21 LPA in hand salary figure, and the sources it's based on.

Basic and HRA, from your CTC

b = Basic as a % of CTC, h = HRA as a % of Basic, Basic = your basic salary, HRA = house rent allowance

No law fixes Basic and HRA. Your employer sets them as part of its own salary structure, which this calculator lets you adjust.

Example: ₹21.00 L × 40% → ₹8.40 L Basic, × 50% → ₹4.20 L HRA

Gross salary: what's actually on your payslip

Gross Salary = Basic + HRA + Special Allowance combined, Employer PF = the employer's own PF contribution, Gratuity = the annual gratuity provision

Gross salary is the portion of your CTC that actually becomes part of your salary structure: everything else is an employer-side cost.

Example: ₹21.00 L − ₹21,600 − ₹40,404 → ₹20.38 L gross salary

Net in hand salary

Employee PF = your own PF contribution, Professional Tax = the small state-level tax on employment, Income Tax = TDS deducted under your chosen regime

What finally lands in your bank account each month, after every deduction from your gross salary.

Example: ₹20.38 L − ₹21,600 − ₹2,400 − ₹2.00 L → ₹18.14 L net in-hand

Assumptions

Basic and HRA percentages aren't statutory: they follow your employer's own salary structure, which varies company to company.
HRA exemption isn't modeled here: the full HRA is treated as taxable, which is exactly right under the new regime and a simplification under the old regime (see the dedicated HRA Exemption Calculator).
Employee PF is passed through as a Section 80C investment, which only reduces tax under the old regime. The new regime doesn't allow this deduction.
Voluntary Provident Fund top-ups, employer-provided perks (insurance, meal cards, etc.), and any bonus or variable pay component aren't modeled: this assumes a fixed CTC with no variable pay.
PF follows the EPF Act's 12% employer and employee rates, gratuity follows the Payment of Gratuity Act's 15 × Basic ÷ 26 formula, professional tax follows each state's own slabs up to the Article 276(2) constitutional cap of ₹2,500/year, and income tax follows the Income Tax Act's current slabs, including the new regime's Section 87A rebate.
Figures are indicative, not financial or tax advice.

₹21 LPA in hand salary vs. nearby CTC levels

Same assumptions, applied to the CTC levels just below and above yours.

₹20 LPA

Same assumptions

₹1.45 L

Monthly in-hand

-₹6,473/mo

₹21 LPA

This page

₹1.51 L

Monthly in-hand

This CTC

₹22 LPA

Same assumptions

₹1.57 L

Monthly in-hand

+₹6,208/mo

₹21 LPA in hand salary: old regime vs. new regime

Which tax regime nets you more take-home on this exact CTC.

New regime

Default since FY 2023-24

₹1.51 L

Monthly in-hand

Higher take-home

Old regime

Needs an active declaration

₹1.33 L

Monthly in-hand

-₹18,184/mo

Calculate your own ₹21 LPA in hand salary

The figures above use typical assumptions. Adjust any input below for your exact numbers.

Your details

Adjust the inputs below and your results update instantly.

Cap employer PF at ₹15,000 wage

Common once Basic crosses ₹15,000/month: off contributes on full Basic instead.

Compute tax under the old regime

Off assumes the new regime (the default since FY 2023-24).

Annual CTC (₹)*

≈ ₹21.00 L

Your total Cost to Company: the full amount your employer spends on you each year, before any split into Basic, HRA, or other components.

₹2.5L₹50L

e.g. ₹12,00,000 a year

Basic salary (% of CTC)*

No law fixes this: 30-50% is the typical range companies use, with 40% being the most common default.

30%50%

e.g. 40% of CTC

HRA (% of Basic)*

Commonly 50% of Basic for metro cities, 40% for non-metro; set to 0% if your CTC structure doesn't include HRA at all.

0%50%

e.g. 50% of Basic (metro)

Professional tax (₹/year)*

Set by your state: some states (Delhi, UP, Haryana) charge none at all, while most others charge close to the constitutional cap of ₹2,500/year.

₹0₹2,500

e.g. ₹2,400/year (₹200/month)

These are example numbers. Edit any input on the left to see your own.

Your monthly in hand salary

₹1.51 L

86% of your annual CTC

Annual CTC

₹21.00 L

Net in hand (yearly)

₹18.14 L

₹20.38 L gross salary − ₹21,600 PF − ₹2,400 professional tax − ₹2.00 L tax = ₹18.14 L net in hand.

Where your CTC goes

Every component of your CTC, from Basic down to your final net in hand amount.

ComponentAnnualMonthlyStatus

Basic salary₹8.40 L₹70,000

Salary component

40% of CTC

HRA₹4.20 L₹35,000

Salary component

20% of CTC

Special allowance₹7.78 L₹64,833

Salary component

37% of CTC

Employer PF₹21,600₹1,800

Not in your payslip

1% of CTC

Gratuity provision₹40,404₹3,367

Not in your payslip

2% of CTC

Employee PF-₹21,600-₹1,800

Deduction

1% of CTC

Professional tax-₹2,400-₹200

Deduction

0% of CTC

Income tax (New regime)-₹2.00 L-₹16,692

Deduction

10% of CTC

Net in hand₹18.14 L₹1.51 L

Take-home

86% of CTC

Compare scenarios

See how switching regimes or the PF wage cap changes your monthly in hand salary.

Your plan

New regime

₹1.51 L

Monthly in hand

Baseline

Old regime instead

Same CTC

₹1.33 L

Monthly in hand

-₹2.18 L

PF uncapped instead

₹15,000 wage ceiling

₹1.39 L

Monthly in hand

-₹1.42 L

Frequently asked questions

Straight answers to the questions we hear most about ₹21 LPA in hand salary.

What is ₹21 LPA in hand salary?

Your ₹21 LPA in hand salary is about ₹1.51 L a month (₹18.14 L a year), using typical assumptions: 40% Basic, HRA at 50% of Basic, new tax regime, employer PF capped at the ₹15,000 wage ceiling. That's 86% of your ₹21 LPA CTC. The rest goes to employer-side costs you never see monthly, your own PF contribution, professional tax, and income tax.

How much is ₹21 LPA in hand salary per month?

About ₹1.51 L a month. That figure already accounts for PF, professional tax, and income tax under the new regime. Under the old regime, using the same assumptions, your ₹21 LPA in hand salary would be ₹1.33 L a month instead.

How much income tax reduces my ₹21 LPA in hand salary?

Under the new regime, about ₹2.00 L a year. Under the old regime (with only the employee PF contribution claimed as a deduction), it works out to ₹4.19 L a year instead. See the regime comparison above for which one leaves you a higher ₹21 LPA in hand salary.

Which tax regime gives a higher ₹21 LPA in hand salary?

New regime nets you more take-home here: ₹1.51 L a month against ₹1.33 L a month under the other regime, using default assumptions. The old regime can still win in practice if your actual Section 80C, HRA exemption, and other deductions are large enough, so it's worth running your real numbers in the calculator below.

Is ₹21 LPA CTC the same as ₹21 LPA in hand salary?

No. ₹21 LPA is your CTC (Cost to Company), the gross annual package your employer quotes before any deductions. It isn't what lands in your bank account. Your actual ₹21 LPA in hand salary, after PF, professional tax, and income tax, is about ₹1.51 L a month.

Is this financial or tax advice?

No. This tool provides indicative estimates based on typical salary-structure assumptions. Your employer's actual Basic/HRA split, and your own deductions, will change the exact figure, so confirm with your payslip or HR team.