₹30 LPA in-hand salary

₹30 LPA puts every additional rupee in the top slab, so the share of CTC you keep falls steadily from here. The breakdown below shows how much of the headline number is real.

Monthly take-home on ₹30 LPA

Gross salary (annual)
₹ 28,20,000
Income tax (new regime)
₹ 4,19,640
Share of CTC you keep
73.9%
Monthly in-hand
₹ 1,84,830

Where the money goes

ComponentAnnualMonthly
Basic pay ₹ 15,00,000 ₹ 1,25,000
House rent allowance ₹ 7,50,000 ₹ 62,500
Special allowance ₹ 4,97,850 ₹ 41,488
Employer's PF contribution ₹ 1,80,000 ₹ 15,000
Gratuity (accrual) ₹ 72,150 ₹ 6,013
In hand ₹ 22,17,960 ₹ 1,84,830

Assumes basic at 50% of CTC, EPF at 12% of basic, professional tax of ₹200/month and whichever tax regime leaves more in hand. FY 2026-27 rates.

Adjust the assumptions

₹ 30,00,000 per year

Assumptions

Left at zero, the old regime is compared using only the standard deduction, professional tax and your PF.

Monthly in-hand salary ₹ 1,84,830

From a CTC of ₹ 30,00,000, that is 73.9% of your CTC reaching your account.

Where every rupee goes

Cost to company ₹ 30,00,000
Employer's PFin CTC, not in salary − ₹ 1,80,000
Gross salary ₹ 28,20,000
Your PFyours, but locked − ₹ 1,80,000
Professional tax − ₹ 2,400
Income tax (new regime) − ₹ 4,19,640
Annual take-home ₹ 22,17,960
Monthly gross ₹ 2,35,000
Monthly in-hand ₹ 1,84,830
Annual tax ₹ 4,19,640
Effective tax rate 15.3%

Tax regime

New regime (better) ₹ 4,19,640
Old regime ₹ 6,21,691

The new regime leaves you ₹ 2,02,051 better off this year. Old-regime figures assume only the standard deduction, professional tax and your PF. Add your real 80C, 80D and HRA claims under Assumptions.

Expecting a raise? See what a hike on this salary is really worth: the headline percentage and the in-hand percentage are not the same number.

Questions about ₹30 LPA

What is the in-hand salary for ₹30 LPA?

About ₹ 1,84,830 a month, assuming basic pay at 50% of CTC. That is ₹ 22,17,960 a year, or 73.9% of the headline CTC.

How much tax do I pay on ₹30 LPA?

₹ 4,19,640 a year under the new regime, including 4% cess, an effective rate of 15.3% on your taxable income.

What is the gross salary for a ₹30 LPA CTC?

₹ 28,20,000 a year. The difference from CTC is your employer's provident fund contribution of ₹ 1,80,000, which goes into your PF account rather than your salary.

Is ₹30 LPA a good salary in India?

It places you well above the national median, though what it buys depends heavily on city. The more useful question is the monthly figure, ₹ 1,84,830, since rent and EMIs come out of take-home, not CTC.

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