In-Hand Salary Breakdown

5 LPA In-Hand Salary India FY 2026-27

Exact monthly take-home for 5 LPA CTC under new and old tax regime. Includes PF, professional tax, and HRA breakdown for metro and non-metro cities.

New Regime · Metro
₹37,065/mo
₹4,44,780/year
New Regime · Non-Metro
₹37,065/mo
₹4,44,780/year
Old Regime · Metro
₹37,065/mo
₹4,44,780/year
Full Salary Breakdown -- 5 LPA (New Regime, Metro, Monthly)
Basic Salary₹16,667
HRA (50% of basic)₹8,333
Special Allowance₹14,065
Gross Monthly Salary₹39,065
Employee PF-₹1,800
Professional Tax-₹200
Income Tax (TDS)-₹0
Monthly In-Hand (Take-Home)₹37,065
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual Tax₹0
Monthly In-Hand₹37,065
Old Tax Regime
Deductions ClaimedRs. 2,00,000
Annual Tax₹0
Monthly In-Hand₹37,065

What is the in-hand salary for 5 LPA in India?

For a 5 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹37,065/mo (₹4,44,780 annually). In a non-metro city it is ₹37,065/mo due to lower HRA.

The difference between your CTC of 5 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 5 LPA

City TypeTax RegimeMonthly In-HandAnnual Tax
Metro (Mumbai, Delhi, Kolkata, Chennai)New Regime₹37,065₹0
Non-MetroNew Regime₹37,065₹0
Metro (Mumbai, Delhi, Kolkata, Chennai)Old Regime₹37,065₹0

Frequently Asked Questions

Under the new tax regime in a metro city, 5 LPA CTC gives you ₹37,065/mo monthly in-hand (₹4,44,780/year). In non-metro cities it is ₹37,065/mo/month. These figures assume statutory PF (Rs. 1,800/month) and 40% basic salary structure.
Yes. Under the new tax regime, a 5 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 5 LPA, the new tax regime is better -- it gives ₹37,065/month vs ₹37,065/month under old regime (assuming Rs. 2L in deductions). The difference is ₹0/month.
At 5 LPA with 40% basic structure: Basic salary is ₹16,667/month, HRA is ₹8,333/month (50% of basic in metro), and Special Allowance makes up the rest at ₹14,065/month. Gross monthly salary is ₹39,065.