In-Hand Salary Breakdown

15 LPA In-Hand Salary India FY 2026-27

Exact monthly take-home for 15 LPA CTC under new and old tax regime. Includes PF, professional tax, and HRA breakdown for metro and non-metro cities.

New Regime · Metro

₹1,11,326/mo

₹13,35,912/year

New Regime · Non-Metro

₹1,11,326/mo

₹13,35,912/year

Old Regime · Metro

₹1,02,557/mo

₹12,30,684/year

Full Salary Breakdown -- 15 LPA (New Regime, Metro, Monthly)

Basic Salary	₹50,000
HRA (50% of basic)	₹25,000
Special Allowance	₹45,795
Gross Monthly Salary	₹1,20,795
Employee PF	-₹1,800
Professional Tax	-₹200
Income Tax (TDS)	-₹7,469
Monthly In-Hand (Take-Home)	₹1,11,326

New Regime vs Old Regime

New Tax Regime

Standard DeductionRs. 75,000

Annual Tax₹89,628

Monthly In-Hand₹1,11,326

Old Tax Regime

Deductions ClaimedRs. 2,00,000

Annual Tax₹1,94,856

Monthly In-Hand₹1,02,557

What is the in-hand salary for 15 LPA in India?

For a 15 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹1,11,326/mo (₹13,35,912 annually). In a non-metro city it is ₹1,11,326/mo due to lower HRA.

The difference between your CTC of 15 LPA and the take-home comes from employer PF (₹1,800/month), gratuity provision, employee PF (₹1,800/month), professional tax, and income tax.

City-wise In-Hand Salary for 15 LPA

City Type	Tax Regime	Monthly In-Hand	Annual Tax
Metro (Mumbai, Delhi, Kolkata, Chennai)	New Regime	₹1,11,326	₹89,628
Non-Metro	New Regime	₹1,11,326	₹89,628
Metro (Mumbai, Delhi, Kolkata, Chennai)	Old Regime	₹1,02,557	₹1,94,856

Frequently Asked Questions

Under the new tax regime in a metro city, 15 LPA CTC gives you ₹1,11,326/mo monthly in-hand (₹13,35,912/year). In non-metro cities it is ₹1,11,326/mo/month. These figures assume statutory PF (Rs. 1,800/month) and 40% basic salary structure.

Under the new tax regime, 15 LPA CTC results in an annual tax of ₹89,628 (₹7,469/month). Tax liability starts above Rs. 12.75 LPA gross under the new regime.

For 15 LPA, the new tax regime is better -- it gives ₹1,11,326/month vs ₹1,02,557/month under old regime (assuming Rs. 2L in deductions). The difference is ₹8,769/month.

At 15 LPA with 40% basic structure: Basic salary is ₹50,000/month, HRA is ₹25,000/month (50% of basic in metro), and Special Allowance makes up the rest at ₹45,795/month. Gross monthly salary is ₹1,20,795.