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This page shows the exact in-hand salary breakdown for a 3 LPA CTC package in India for FY 2025-26.
Monthly In-Hand (New Regime): ₹21,192
Monthly In-Hand (Old Regime): ₹21,192
EPF: ₹1,800 | PT: ₹208 | Tax: ₹0
New Regime saves ₹0/year
Based on default inputs — use the calculator below for your exact salary.
Indian salary calculator — EPF, ESI, Professional Tax & Income Tax for FY 2025-26. Private — no data stored.
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Tax Regime
Estimates only — not tax or financial advice. Uses IT Act provisions for FY 2025–26.
Your Monthly Take-Home Pay
₹21,192.00
Effective deduction rate: 8.7% · Annual net: ₹2,54,300
Gross Salary
₹23,200
Total Deductions
−₹2,008
Annual Net
₹2,54,300
| Deduction | Per Month |
|---|---|
| 7.8%Employee EPF? | −₹1,800 |
| 0.9%Professional Tax | −₹208 |
| 0.0%Income Tax (TDS) | −₹0 |
| Total Deductions | −₹2,008 |
| Net Take-Home | ₹21,192 |
Enter your CTC above to compare take-home salary across states.
Monthly in-hand salary for 3 LPA depends on your EPF, professional tax, and income tax regime. Use the calculator above for an exact figure.
EPF is 12% of basic salary (capped at ₹15,000 basic). For a 3 LPA CTC, the exact EPF depends on your basic-to-CTC ratio.
The better regime for 3 LPA CTC depends on your deductions like HRA and 80C investments. Use the calculator to compare both regimes side by side.
ESI applies only if your monthly gross salary is ₹21,000 or below. For a 3 LPA CTC, ESI typically does not apply as monthly gross usually exceeds ₹21,000.
Annual take-home for 3 LPA CTC varies by state (due to Professional Tax), income tax regime, and deductions. Enter your details in the calculator for an exact breakdown.