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In-hand Salary Calculator
In-hand salary is monthly gross minus employee PF (12% of basic + DA, up to the wage ceiling), employee ESI (0.75% of gross, if gross is ₹21,000 or less), professional tax, TDS and other deductions.
Turn a monthly gross salary into the amount that reaches the employee’s bank account, after provident fund, ESI, professional tax and TDS.
What you enter
- Monthly gross salary
- Monthly basic + DA
- Limit PF to the ₹25,000 wage ceiling?
- Professional tax per month
- TDS per month
- Other deductions per month
How the In-hand Salary Calculator works
- Employee PF = 12% of monthly basic + DA (limited to the ₹25,000 PF wage ceiling when that option is on).
- Employee ESI = 0.75% of gross, only when gross is ₹21,000 or less.
- In-hand salary = gross − PF − ESI − professional tax − TDS − other deductions.
Worked example: Gross ₹60,000, basic + DA ₹30,000, professional tax ₹200
- Employee PF = lower of 30,000 and 25,000, × 12% = ₹3,000.
- Gross is above ₹21,000, so employee ESI = ₹0.
- Total deductions = 3,000 + 0 + 200 + 0 (TDS) = ₹3,200.
- In-hand salary = 60,000 − 3,200 = ₹56,800 a month.
| Deduction | Basis |
|---|---|
| Employee PF | 12% of basic + DA, limited to ₹25,000 wage if selected |
| Employee ESI | 0.75% of gross, only if gross is ₹21,000 or less |
| Professional tax | Amount you enter (state-specific) |
| TDS and other | Amounts you enter |
Assumptions to keep in mind
- Professional tax differs by state, so you enter the amount that applies to you.
- Employer-side contributions are not part of the employee’s take-home and are excluded.
Figures last reviewed November 2026. Rates and limits change, so check the official sources below.
Frequently asked questions
What is the difference between CTC, gross and in-hand salary?
CTC is the total yearly cost to the employer. Gross is the monthly pay before deductions. In-hand is what reaches the bank account after deductions.
Which deductions are taken from gross salary?
Employee PF, employee ESI where covered, professional tax where the state levies it, TDS and any other deductions such as advances.
Is employer PF part of in-hand salary?
No. Employer contributions are a cost to the company, not part of take-home pay.
Sources
- EPFO (Employees’ Provident Fund Organisation)
- ESIC (Employees’ State Insurance Corporation)
- Income Tax Department, India
Let Lumos HRMS do this for every employee
Lumos HRMS calculates attendance-based pay with PF, ESI and other statutory deductions for the whole team. See payroll
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