How much income tax on a ₹11 lakh salary?

Income tax on a ₹11 lakh salary is nil under the new regime in FY 2026-27: after the ₹75,000 standard deduction, taxable income of ₹10,25,000 is within the ₹12,00,000 Section 87A limit. The old regime charges ₹1,32,600 with nothing claimed beyond its ₹50,000 standard deduction, and costs no more than the new regime only once other deductions reach ₹5,50,000.

New regime on ₹11 lakh, slab by slab

Start from ₹11,00,000 of gross salary and take off the ₹75,000 standard deduction: taxable income is ₹10,25,000. The FY 2026-27 new-regime slabs then produce ₹42,500 of slab tax, step by step in the table.

Because taxable income is within ₹12,00,000, the Section 87A rebate cancels all ₹42,500 of it, so no tax and no cess is payable and there is no income tax to deduct from salary.

The new regime stays nil up to ₹12,75,000 of gross salary for salary income alone, so a ₹11 lakh salary could rise by ₹1,75,000 — about ₹14,583 a month — before any new-regime tax is due.

Old regime on ₹11 lakh, nothing claimed

The old regime’s standard deduction is ₹50,000, so with nothing else claimed taxable income is ₹10,50,000, and its four slabs produce ₹1,27,500 of slab tax.

Taxable income is above the old regime’s ₹5,00,000 rebate limit, so no rebate applies. With ₹5,100 of cess the total is ₹1,32,600, which is ₹1,32,600 more than the new regime’s nil on the same salary.

Deductions the old regime needs to draw level at ₹11 lakh

For the old regime to cost no more than the new regime’s nil, its deductions beyond the standard deduction must total ₹5,50,000 (rounded up to the next ₹1,000). At that level old-regime tax is nil. Every old-regime deduction comes off income before the slabs, so it is the total that counts, not which sections it comes from.

That is more than ₹1,50,000 of 80C, ₹25,000 of 80D and ₹2,00,000 of home-loan interest put together (₹3,75,000); the remaining ₹1,75,000 would have to come from other deductions such as HRA exemption. Whether you have that much to claim is yours to check — the table shows the old-regime tax with each section at its limit.

Monthly TDS on a ₹11 lakh salary

On the new regime there is nothing to deduct: the year’s tax is nil, so monthly TDS is nil too. Under the old regime with nothing claimed, the year’s ₹1,32,600 spread over twelve salaries would be ₹11,050 a month out of ₹91,667 of monthly gross.

If ₹11,00,000 is your CTC rather than your gross — basic at 40%, the employer’s provident fund inside it and ₹200 a month of professional tax — gross salary is lower, new-regime tax is nil and about ₹80,467 a month (₹9,65,600 a year) reaches your account; the in-hand page for 11 LPA has that payslip line by line.

Income tax either side of ₹11 lakh

The same calculation at the salaries around ₹11 lakh: gross salary, a resident below 60, FY 2026-27, nothing claimed beyond each regime’s standard deduction. The last column is the old-regime deduction total needed to draw level with the new regime at each salary.