What is the in-hand salary for an ₹8 LPA package?
An ₹8,00,000 CTC pays roughly ₹58,467 a month in hand, and ₹8,50,000 about ₹62,133, taking basic at 40% of CTC, the employer’s provident fund inside the package and ₹200 a month of professional tax. Neither pays income tax under the new regime. Provident fund is the one large deduction: ₹4,000 a month from you on 8 LPA, because it runs on half the package under the Code on Social Security’s wages rule.
Try it on your numbers in the CTC to in-hand calculatorThe breakdown for 8 LPA and 8.5 LPA
An ₹8,00,000 CTC with basic at 40% has a basic of ₹3,20,000 — but provident fund runs on half the package, ₹4,00,000, because under the Code on Social Security allowances beyond half of pay count as wages. The employer’s provident fund, 12% of that, is ₹48,000 and sits inside the CTC, so gross salary is ₹7,52,000. Take off your own ₹48,000 and ₹2,400 of professional tax, and in-hand is ₹7,01,600 a year — ₹58,467 a month.
₹8,50,000 works the same way: basic ₹3,40,000 but PF wages of ₹4,25,000, provident fund of ₹51,000 from each side, gross ₹7,99,000, and in-hand ₹7,45,600 a year or ₹62,133 a month. The extra ₹50,000 of CTC adds ₹3,666 a month, because at this level none of it is taxed.
The 7 to 9 LPA band, side by side
Same assumptions throughout — 40% basic (so provident fund on half the package), employer provident fund inside CTC, ₹200 of professional tax, new regime: ₹7 LPA → ₹51,133 a month. ₹7.5 LPA → ₹54,800. ₹8 LPA → ₹58,467. ₹8.5 LPA → ₹62,133. ₹9 LPA → ₹65,800.
On paper those packages are ₹58,333 to ₹75,000 a month, CTC divided by twelve. What separates the paper figure from the in-hand one is provident fund — saving in your own name — and professional tax. It is not income tax, which does not start until gross salary passes ₹12,75,000.
Why your 8 LPA in-hand may differ
Two offers at ₹8,00,000 can pay different amounts. Across the common structures below, 8 LPA lands between ₹54,756 and ₹62,211 a month in hand. A basic of 50% instead of 40% changes nothing: provident fund already runs on half the package under the Code on Social Security’s wages rule. At 60% basic it falls to ₹56,867, because provident fund now runs on the larger basic.
Where the CTC includes a gratuity provision — 15/26 of a month’s basic for each year, about 4.81% of basic — that ₹15,385 a year is set aside for when you leave and never reaches the payslip. The old regime with only your provident fund under 80C would take ₹44,533 a year in tax against the new regime’s ₹0; with more deductions the old-regime figure falls. The offer letter’s CTC breakup says which of these applies.
| Structure | In hand per month | Against this page |
|---|---|---|
| This page: basic 40%, employer PF inside CTC, new regime | ₹58,467 | — |
| PF on the ₹25,000 wage ceiling | ₹60,467 | +₹2,000 |
| Gratuity provision (₹1,282 a month) inside CTC | ₹57,338 | −₹1,129 |
| Basic 50% of CTC | ₹58,467 | same |
| Basic 60% of CTC | ₹56,867 | −₹1,600 |
| Employer PF on top of CTC | ₹62,211 | +₹3,744 |
| Old regime, only your PF under 80C | ₹54,756 | −₹3,711 |
The PF wage ceiling went up on 17 September 2026
Some employers compute provident fund on PF wages in full; others compute it on the statutory wage ceiling, the most that each side is required to contribute on. That ceiling was ₹15,000 a month from 2014 until 17 September 2026, when the Ministry of Labour raised it to ₹25,000 (notification S.O. 5109(E) under the Code on Social Security).
On an 8 LPA package where provident fund is computed on the ceiling, the old ₹15,000 meant ₹1,800 a month from each side and in-hand of about ₹62,867. On the new ₹25,000 it is ₹3,000 from each side and in-hand of about ₹60,467 — ₹2,400 a month less, with the CTC unchanged. The ₹2,400 has not gone anywhere: it is ₹1,200 more of your own contribution and ₹1,200 more of the employer’s, both landing in your provident-fund account.
At 8.5 LPA the same change moves in-hand from about ₹67,033 to ₹64,633. If a payslip after September 2026 shows a larger provident-fund line with no change to your package, this is a likely reason, and payroll can confirm which base your employer uses. Without any cap, provident fund runs on the full ₹4,00,000 of wages at 8 LPA — ₹4,000 a month from each side — which is why the uncapped figures above are lower still.
Variable pay and joining bonuses
Offers at this level often count a variable component inside the headline figure. If ₹80,000 of an ₹8,00,000 CTC is variable pay, the monthly figure is built on the fixed ₹7,20,000 — with basic at 40% of that — and comes to about ₹52,600. The variable part arrives later, as a lump, if and when it is paid.
A joining bonus is the same in the other direction: paid once, taxed in the year it is paid, and in some offers repayable if you leave within a set period. Neither appears in the monthly figures on this page.
Tax at 8 LPA, under each regime
Gross salary of ₹7,52,000 less the ₹75,000 standard deduction leaves ₹6,77,000 of taxable income under the FY 2026-27 new regime, well under the ₹12,00,000 rebate limit — so no tax. The same holds at 8.5 LPA, with ₹7,24,000 taxable.
Under the old regime the same 8 LPA salary is taxed ₹55,016 a year with nothing claimed, or ₹23,816 with the full ₹1,50,000 under Section 80C. Getting to nil there would take ₹2,02,000 of deductions.
CTC to in-hand
Questions people ask
What is the in-hand salary for 8 LPA?
About ₹58,467 a month, with basic at 40% of CTC, the employer’s provident fund inside the package and ₹200 a month of professional tax. There is no income tax under the new regime at this salary.
What is the in-hand salary for 8.5 LPA per month?
About ₹62,133 a month on the same assumptions, or ₹7,45,600 a year. If your employer computes provident fund on the ₹25,000 wage ceiling instead of full wages, it is about ₹64,633.
8 LPA means how much per month?
₹66,667 before any deductions — the CTC divided by twelve. After the employer’s provident fund, your own provident fund and professional tax, about ₹58,467 reaches your account.
Is an 8 LPA salary taxable?
Not under the FY 2026-27 new regime. Taxable income is ₹6,77,000 after the ₹75,000 standard deduction, and the Section 87A rebate covers all of the tax up to ₹12,00,000 of taxable income.
What is the in-hand salary for 7.5 LPA?
About ₹54,800 a month, with basic at 40%, the employer’s provident fund inside CTC and ₹200 of professional tax. At 7 LPA it is about ₹51,133, and at 9 LPA about ₹65,800.
How much PF is deducted on 8 LPA?
At 40% basic, provident fund runs on half the package, so it is ₹4,000 a month from you and the same from your employer — ₹48,000 a year each. Where it is computed on the ₹25,000 wage ceiling, it is ₹3,000 a month each.
Why did my PF deduction go up after September 2026?
The statutory wage ceiling rose from ₹15,000 to ₹25,000 a month on 17 September 2026. Where an employer computes provident fund on the ceiling, each side’s contribution rises from ₹1,800 to ₹3,000 a month.
Does professional tax change my 8 LPA in-hand?
A little. It is a state levy, commonly ₹200 a month, and several states do not charge it at all. Without it, 8 LPA pays about ₹58,667 a month in hand.
What is 8 LPA in hand under the old regime?
About ₹54,756 a month if you claim only your own provident fund under 80C (₹48,000 a year), with ₹44,533 a year of old-regime tax. Other deductions such as HRA, health insurance or home-loan interest lower that tax.
Does a gratuity provision in the CTC change 8 LPA in hand?
Yes, where the employer counts it inside the CTC: ₹15,385 a year is set aside, and in-hand is about ₹57,338 a month instead of ₹58,467. The gratuity itself is paid when you leave after the qualifying service.
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Try it nowLast updated 19 October 2026. Figures reflect FY 2026-27 and are educational estimates, not advice. Muktify is not SEBI-registered and never recommends or ranks any instrument. How we write and check guides.