Exact monthly in-hand salary for SSC 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 Typical Pay (New Regime, Metro)
Basic Salary
Rs. 13,667/mo
HRA + Allowances
Rs. 20,500/mo
Gross Monthly Salary
Rs. 34,167/mo
NPS Contribution (10% of Basic)
-Rs. 1,367/mo
Professional Tax
-Rs. 200/mo
Income Tax (TDS)
-Rs. 0/mo
Monthly In-Hand (Take-Home)
Rs. 32,600/mo
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual TaxRs. 0
Monthly In-HandRs. 32,600
Old Tax Regime
Deductions AssumedRs. 1,50,000
Annual TaxRs. 0
Monthly In-HandRs. 32,600
About SSC
SSC CHSL (Combined Higher Secondary Level) is conducted by the Staff Selection Commission for recruitment to clerical and assistant posts in central government departments and ministries. It is one of the most popular government exams for Class 12 pass candidates. Posts include LDC/JSA in ministries, Postal Assistant in India Post, Sorting Assistant, and DEO in various departments.
How SSC Salary is Structured
SSC CHSL LDC/JSA basic pay starts at Rs. 19,900 per month (Pay Level 2). PA/SA/DEO starts at Rs. 25,500 per month (Pay Level 4). DA is approximately 50% of basic revised twice a year. HRA is 8% to 24% of basic depending on city classification. Transport allowance of Rs. 1,350 to Rs. 3,600 per month.
What Deductions Will You See?
Deductions include NPS at Rs. 1,990 to Rs. 2,550/month depending on post. Income tax is nil to minimal at this salary level. Professional tax is not applicable for central government employees. Total deductions are Rs. 3,500 to Rs. 6,000 per month.
SSC Salary vs Other Government Jobs
Post / Role
CTC
Monthly In-Hand
SSC CHSL PA/SA (Pay Level 4)
Rs. 4.8 LPA
Rs. 36,000/mo
SSC CHSL LDC/JSA (Pay Level 2)
Rs. 3.5 LPA
Rs. 27,000/mo
SBI Clerk
Rs. 4.0 LPA
Rs. 30,000/mo
IBPS Clerk
Rs. 3.8 LPA
Rs. 28,000/mo
Increments and Promotions
Annual increment of 3% of basic pay. LDC/JSA can be promoted to UDC (Upper Division Clerk) through seniority or departmental exam route after 5-8 years. PA/SA in India Post have a strong internal promotion path to Inspector level.
Career Progression and Salary at Each Grade
Grade / Post
Typical Timeline
Basic Pay
Approx. In-Hand
LDC / JSA (Pay Level 2)
0 years
Rs. 19,900/mo
Rs. 27,000-31,000/mo
UDC / PA / SA (Pay Level 4)
5-8 years via LDCE or direct allocation
Rs. 25,500/mo
Rs. 33,000-38,000/mo
Inspector / Senior Assistant (Pay Level 6)
10-15 years
Rs. 35,400/mo
Rs. 48,000-54,000/mo
Dearness Allowance (DA) Explained
DA follows 7th Pay Commission and is currently around 50% of basic, revised twice a year. For PA/SA (Rs. 25,500 basic), DA adds approximately Rs. 12,750 per month to gross.
City-Wise Salary Breakdown
City Type
HRA Rate
Gross Monthly
In-Hand Monthly
Delhi (X Class) - LDC/PA
24% of basic
LDC: Rs. 36,000 | PA: Rs. 47,000
LDC: Rs. 30,500 | PA: Rs. 40,000
Hyderabad / Pune (Y Class)
16% of basic
LDC: Rs. 34,000 | PA: Rs. 44,000
LDC: Rs. 28,500 | PA: Rs. 37,000
Smaller cities (Z Class)
8% of basic
LDC: Rs. 32,000 | PA: Rs. 42,000
LDC: Rs. 26,500 | PA: Rs. 35,000
Perks and Benefits: What They Are Worth in Cash
Perk
Details
Estimated Cash Value
CGHS Medical Coverage
Central Government Health Scheme for self and family - especially valuable for families with elderly dependents
Rs. 20,000-40,000/year in equivalent private health costs
NPS Employer Contribution
14% of basic contributed by government to NPS corpus
Rs. 2,786 to Rs. 3,570/mo depending on post
Leave Travel Concession
LTC twice in 4 years for self and family
Rs. 30,000-60,000 per claim
Child Education Allowance
For dependent children's education expenses
Rs. 2,250/month per child (up to 2 children)
SSC vs Private Sector: What You Gain and Give Up
What You Gain
+Central government job security with no performance-based termination
+CGHS medical coverage worth Rs. 20,000-40,000/year for a family
+No sales targets or KPIs unlike private sector desk jobs
+Predictable 9-to-5 work with regulated leave
+NPS with 14% employer contribution
Trade-offs
-LDC pay (Rs. 27,000-31,000) is lower than comparable private sector MNC desk roles
-Salary growth is slow compared to private sector merit-based increments
-Postings depend on government preference list - you may not get preferred city
-Work is administrative and can be repetitive
Frequently Asked Questions
SSC CHSL in-hand salary ranges from Rs. 26,000 for LDC posts in smaller cities to Rs. 41,000 for PA posts in metro cities. The variation depends on the post level and posting city.
Postal Assistant and Sorting Assistant at Pay Level 4 (Rs. 25,500 basic) pay the most in CHSL. DEO (Grade A) at certain offices also falls in this range.
For someone who wants a desk job in a government ministry, CHSL is better with more stable hours and no sales pressure. SBI Clerk has a faster and clearer promotion path to officer grade and potentially higher long-term earnings.
LDC and JSA fall in Pay Level 2 with starting basic of Rs. 19,900. PA, SA, and DEO fall in Pay Level 4 with starting basic of Rs. 25,500.