Exact monthly in-hand salary for SSC CGL after all deductions including PF, NPS, and income tax. Based on FY 2026-27 tax slabs and 7th Pay Commission / bipartite settlement.
Full Salary Breakdown - SSC CGL Typical Pay (New Regime, Metro)
Basic Salary
Rs. 30,000/mo
HRA + Allowances
Rs. 45,000/mo
Gross Monthly Salary
Rs. 75,000/mo
NPS Contribution (10% of Basic)
-Rs. 3,000/mo
Professional Tax
-Rs. 200/mo
Income Tax (TDS)
-Rs. 0/mo
Monthly In-Hand (Take-Home)
Rs. 71,800/mo
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual TaxRs. 0
Monthly In-HandRs. 71,800
Old Tax Regime
Deductions AssumedRs. 1,50,000
Annual TaxRs. 54,600
Monthly In-HandRs. 67,250
About SSC CGL
SSC CGL (Staff Selection Commission Combined Graduate Level) is one of India's largest central government recruitment exams. It selects candidates for Group B and Group C posts across ministries and departments including Income Tax, CBI, and Ministry of Finance. Different posts carry different pay levels under the 7th Pay Commission.
How SSC CGL Salary is Structured
SSC CGL salaries are structured under the 7th Pay Commission. Most posts fall in Pay Level 4 (Rs. 25,500 basic) to Pay Level 7 (Rs. 44,900 basic). Gross salary including DA at 46%, HRA at 27% for X cities, and Transport Allowance varies significantly by post and city.
What Deductions Will You See?
SSC CGL deductions include NPS at 10% of basic plus DA, income tax TDS where applicable, and CGEGIS. At Pay Level 6-7 in metro cities, income tax applies since gross can exceed the taxable threshold.
SSC CGL Salary vs Other Government Jobs
Post / Role
CTC
Monthly In-Hand
SSC CGL (ASO)
Rs. 11 LPA
Rs. 68,000/mo
SSC CGL (IT Inspector)
Rs. 10 LPA
Rs. 62,000/mo
SSC CHSL (LDC)
Rs. 5.5 LPA
Rs. 34,000/mo
IBPS PO
Rs. 8.0 LPA
Rs. 52,000/mo
Increments and Promotions
SSC CGL officers receive DA revisions twice a year and annual increments of 3% of basic pay as per 7th Pay Commission. Promotions happen through DPC based on seniority and APAR ratings. A Tax Assistant can be promoted to Senior Tax Assistant in 3-5 years.
Career Progression and Salary at Each Grade
Grade / Post
Typical Timeline
Basic Pay
Approx. In-Hand
Tax Assistant / LDC (Pay Level 4)
0-3 years
Rs. 25,500/mo
Rs. 42,000/mo
Senior Tax Assistant (Pay Level 6)
3-7 years
Rs. 35,400/mo
Rs. 58,000/mo
Inspector IT / ASO (Pay Level 7)
7-12 years
Rs. 44,900/mo
Rs. 72,000/mo
Income Tax Officer (Pay Level 8)
12-18 years
Rs. 47,600/mo
Rs. 76,000/mo
ACIT / Deputy Commissioner (Pay Level 10)
18-24 years
Rs. 56,100/mo
Rs. 89,000/mo
Dearness Allowance (DA) Explained
DA for central government employees under 7th Pay Commission is revised twice a year in January and July. As of mid-2026, DA stands at 46% of basic pay. This means for an ASO at Rs. 44,900 basic, DA adds Rs. 20,654 per month making it a significant part of gross salary.
City-Wise Salary Breakdown
City Type
HRA Rate
Gross Monthly
In-Hand Monthly
Delhi / Mumbai (X City, HRA 27%)
27% of basic
Rs. 82,000
Rs. 72,000
Jaipur / Lucknow (Y City, HRA 18%)
18% of basic
Rs. 76,000
Rs. 67,000
Tier 3 Cities (Z City, HRA 9%)
9% of basic
Rs. 71,000
Rs. 62,000
Perks and Benefits: What They Are Worth in Cash
Perk
Details
Estimated Cash Value
Government Accommodation
Priority allotment of government quarters in central government housing in major cities
Rs. 10,000-30,000/mo equivalent in metro cities
CGHS Medical
Central Government Health Scheme covers self and family at empanelled hospitals
Rs. 4,000-8,000/mo equivalent
LTC
Leave Travel Concession for self and family to home town or anywhere in India every 4 years
Rs. 20,000-50,000 per LTC claim
NPS Employer Contribution
Government contributes 14% of basic plus DA to NPS
Rs. 3,570-6,286/mo depending on post
CGEGIS
Central Government Employees Group Insurance Scheme for life cover at low premium
Rs. 30,000-1,50,000 life insurance equivalent
SSC CGL vs Private Sector: What You Gain and Give Up
What You Gain
+Absolute job security - central government cannot terminate except in extreme cases
+CGHS medical scheme is one of the best healthcare benefits in India
+Government accommodation in prime city locations
+NPS pension corpus with 14% employer contribution
+Defined working hours - 9 to 5 with no overtime expectations
Trade-offs
-Starting salary significantly lower than private sector for same education level
-Promotion is slow and seniority-based - not merit-based
-Limited exposure to dynamic business environments
-Transfers across India are mandatory and can disrupt personal life
Frequently Asked Questions
SSC CGL salary in 2026 ranges from Rs. 25,500 basic (Pay Level 4) to Rs. 44,900 basic (Pay Level 7). Gross monthly salary with DA, HRA, and TA ranges from approximately Rs. 42,000 to Rs. 82,000. Monthly in-hand is Rs. 36,000 to Rs. 72,000.
Assistant Section Officer in CSS and Statistical Investigator Grade II are among the highest-paying SSC CGL posts at Pay Level 7 with basic pay of Rs. 44,900.
SSC CGL offers strong job security, 7th Pay Commission benefits, NPS pension, and good work-life balance. Starting salary is lower than private sector but total compensation including perks and stability makes it attractive.
SSC CGL HRA is 27% of basic for X cities, 18% for Y cities, and 9% for Z cities. For an ASO in Delhi with Rs. 44,900 basic, HRA is approximately Rs. 12,123 per month.
SSC CGL officers recruited after January 2004 are under NPS with 10% employee contribution on basic plus DA and a 14% government contribution.