Monthly take-home for 3.6 LPA CTC under the new and old tax regime. Includes PF, professional tax, and HRA breakdown for metro and non-metro cities.
New Regime · Metro
₹26,343/mo
₹3,16,114/year
New Regime · Non-Metro
₹26,343/mo
₹3,16,114/year
Old Regime · Metro
₹26,343/mo
₹3,16,114/year
Full Salary Breakdown -- 3.6 LPA (New Regime, Metro, Monthly)
Basic Salary
₹12,000
HRA (50% of basic)
₹6,000
Special Allowance
₹9,983
Gross Monthly Salary
₹27,983
Employee PF
-₹1,440
Professional Tax
-₹200
Income Tax (TDS)
-₹0
Monthly In-Hand (Take-Home)
₹26,343
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual Tax₹0
Monthly In-Hand₹26,343
Old Tax Regime
Deductions ClaimedRs. 2,00,000
Annual Tax₹0
Monthly In-Hand₹26,343
What is the in-hand salary for 3.6 LPA in India?
For a 3.6 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹26,343/mo (₹3,16,114 annually). In a non-metro city it is ₹26,343/mo due to lower HRA.
The difference between your CTC of 3.6 LPA and the take-home comes from employer PF (₹1,440/month), gratuity provision, employee PF (₹1,440/month), professional tax, and income tax.
City-wise In-Hand Salary for 3.6 LPA
City Type
Tax Regime
Monthly In-Hand
Annual Tax
Metro (Mumbai, Delhi, Kolkata, Chennai)
New Regime
₹26,343
₹0
Non-Metro
New Regime
₹26,343
₹0
Metro (Mumbai, Delhi, Kolkata, Chennai)
Old Regime
₹26,343
₹0
Frequently Asked Questions
Under the new tax regime in a metro city, 3.6 LPA CTC gives you ₹26,343/mo monthly in-hand (₹3,16,114/year). In non-metro cities it is ₹26,343/mo/month. These figures assume statutory PF (Rs. 1,800/month) and 40% basic salary structure.
Yes. Under the new tax regime, a 3.6 LPA CTC results in zero income tax. After the Rs. 75,000 standard deduction, taxable income is below Rs. 12 Lakhs, and Section 87A rebate eliminates the entire tax liability.
For 3.6 LPA, the new tax regime is better -- it gives ₹26,343/month vs ₹26,343/month under old regime (assuming Rs. 2L in deductions). The difference is ₹0/month.
At 3.6 LPA with 40% basic structure: Basic salary is ₹12,000/month, HRA is ₹6,000/month (50% of basic in metro), and Special Allowance makes up the rest at ₹9,983/month. Gross monthly salary is ₹27,983.
For a 3.6 LPA CTC, your monthly in-hand salary in India for FY 2026-27 is about Rs. 26,343 under the new tax regime. Zero income tax applies. Deductions are employee PF of Rs. 1,800 and professional tax of Rs. 200 per month.
Infosys Systems Engineer (SE) fresher package is Rs. 3.6 LPA. Monthly in-hand for FY 2026-27 is about Rs. 26,343 under the new tax regime. Zero income tax applies at this level.
Zero tax under the new tax regime for FY 2026-27. After the Rs. 75,000 standard deduction, your taxable income is Rs. 2,85,000, well below the Rs. 12 lakh 87A rebate threshold. Under the old tax regime, income below Rs. 5 lakh also has zero tax after the 87A rebate.
Rs. 3.6 LPA is the standard Infosys Systems Engineer package and is slightly higher than TCS (Rs. 3.36 LPA) and Wipro (Rs. 3.5 LPA) at the base fresher level. It is a stable entry-level IT salary, but below the Rs. 4 to 6.5 LPA range offered by Cognizant, Accenture and Infosys DSE track. Monthly in-hand of about Rs. 26,343 is workable in a Tier 2 city but tight in metros.