What is the in-hand salary for an ₹8 LPA package?
By Vijay Singh Sinhmar · Fintech automation specialist, 8 years in finance · Published 2026-09-28
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.
Educational information, not investment advice · Muktify is not SEBI-registered
In-Hand Salary Calculator (FY 2026-27)
CTC to monthly take-home — after EPF, income tax (new regime) and professional tax.
Basic is under half your pay, so PF is worked out on ₹6.00L a year, not on basic — the Code on Social Security counts allowances above half of pay as wages.
Employer's PF included in CTC?
PF worked out on
Payslip shows a flat ₹3,000 of PF? Your employer caps it at the ₹25,000 wage ceiling.
₹200 in most states; 0 in Delhi, UP and a few others
Monthly in-hand
₹87,800
₹10.54L per year · 88% of your CTC reaches your account
Where the rest goes (per year)
Your EPF isn't lost — ₹1.44L/yr (yours + employer's) builds your retirement corpus.
Assumptions
- New tax regime, FY 2026-27 (₹75,000 standard deduction, 87A rebate). Using old-regime deductions? Compare with the Tax Regime Calculator.
- EPF at 12% for you and your employer — of PF wages (basic, or half your total pay if basic is less, under the Code on Social Security's wages rule), or of PF wages capped at the ₹25,000-a-month statutory wage ceiling (in force from 17 September 2026) if you choose that above.
- Not modelled: gratuity accrual, ESI, NPS, variable pay, perks, surcharge above ₹50L.
Educational estimate on your inputs — actual take-home depends on your employer's salary structure.
Not tax or investment advice. Not SEBI-registered.
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See how long your money would last →The 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.
₹8,00,000 CTC → ₹7,52,000 gross → ₹7,01,600 in hand (₹58,467/month)
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.
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.
Frequently asked questions
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.
Related
- Salary in-hand calculator →
- What is the in-hand salary for a ₹10 LPA package? →
- CTC vs gross vs in-hand salary — what is the difference? →
- What is the in-hand salary for a ₹12 LPA package? →
Last updated 2026-09-28. Figures reflect FY 2026-27 and are educational estimates, not advice. Muktify is not SEBI-registered and never recommends or ranks any instrument.
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