₹30 Lakh Salary in India — Monthly In-Hand Salary

₹30 LPA salary breakdown

How a ₹30,00,000 CTC splits into pay, employer contributions and deductions under the new regime for FY 2026-27 (AY 2027-28).

Income tax calculation on ₹30 lakh

Taxable income is ₹27,18,237 after the standard deduction of ₹75,000 and after removing employer PF and the gratuity provision from CTC. Slab tax works out to ₹3,95,471, plus ₹15,819 of health and education cess. Estimated total tax: ₹4,11,290 — an effective 14.7% of gross salary.

PF, gratuity and fixed versus variable pay

With basic pay at ₹12,30,000 (50% of fixed pay), employee PF is ₹1,47,600 a year and employer PF is the same. The gratuity provision of ₹59,163 sits inside CTC and becomes payable only after five years of service. Of the ₹30,00,000 CTC, ₹24,60,000 is fixed and ₹5,40,000 is variable pay that is paid on its own cycle rather than monthly.

₹30 LPA is a senior manager, staff engineer or principal-level band at product companies and a leadership band in mid-sized firms. Total compensation conversations at this level usually include RSUs, retention bonuses and long-term incentives outside CTC.

Old versus new tax regime at ₹30 lakh

The new regime remains the practical default. The old regime only wins with a very large deduction stack, and it also brings documentation and proof-submission overhead.

The old-regime figures above assume only the standard deduction and employee PF. Adding HRA, home loan interest or 80C investments would reduce old-regime tax further, so use the calculator with your actual deductions before choosing a regime.

Factors that affect your in-hand salary at this level

• Split your comparison into guaranteed cash, target variable and equity — the three behave very differently in a downturn.
• Maximise employer NPS if offered; at a 31.2% effective marginal rate it is the most efficient lever left in the new regime.
• Confirm whether long-term incentive payouts are annual or multi-year cliffs before treating them as income.

How to calculate take-home salary yourself

1. Start with annual CTC and split it into fixed pay and variable pay.
2. Remove employer PF and the gratuity provision — both are inside CTC but not paid to you.
3. Apply the standard deduction to arrive at taxable income, then apply the slab rates, rebate, surcharge and cess for your regime.
4. Subtract employee PF, income tax, professional tax and any payroll recoveries from gross salary.
5. Divide by twelve for the monthly figure, remembering that variable pay arrives separately.

Use the full CTC to in-hand salary calculator or work backwards from a target monthly salary.