What is the in-hand salary for a ₹9 LPA package?

A ₹9,00,000 CTC pays roughly ₹65,800 a month in hand, taking basic at 40% of CTC, the employer’s provident fund inside the package and professional tax at ₹200 a month. Income tax is nil under the new regime. The gap from ₹75,000 — CTC divided by twelve — is ₹9,200 a month: ₹4,500 of employer provident fund, ₹4,500 of your own and ₹200 of professional tax. At 9.5 LPA in-hand is about ₹69,467.

The breakdown, line by line

Start with CTC of ₹9,00,000 and basic at 40%, which is ₹3,60,000. Provident fund does not run on that basic alone: under the Code on Social Security, allowances beyond half of pay count as wages, so PF wages are half the package, ₹4,50,000. The employer’s contribution is 12% of that, ₹54,000, and on the usual structure it sits inside the CTC — so gross salary is ₹8,46,000. That ₹54,000 goes to your provident-fund account, not your bank account.

From gross, three deductions. Your own provident fund is the same ₹54,000. Income tax under the FY 2026-27 new regime is nil: taxable income is ₹8,46,000 less the ₹75,000 standard deduction, or ₹7,71,000, under the ₹12,00,000 limit for the Section 87A rebate. Professional tax at ₹200 a month is ₹2,400.

In-hand is ₹8,46,000 − ₹54,000 − ₹2,400 = ₹7,89,600 a year, or ₹65,800 a month.

₹9,00,000 CTC → ₹8,46,000 gross → ₹7,89,600 in hand (₹65,800/month)

“9 LPA how much per month?” — two honest answers

Divide the CTC by twelve and you get ₹75,000, the figure most people mean when they ask. It is what the employer spends on you each month. What arrives is about ₹65,800, and the ₹9,200 between them is the employer’s ₹4,500 of provident fund, your own ₹4,500 and ₹200 of professional tax.

None of that ₹9,200 is income tax, and ₹9,000 of it is still yours, credited to your provident-fund account every month. LPA itself is only a unit — lakhs per annum — and in an offer letter the 9 LPA figure is almost always the CTC, so the per-month question is really a CTC-to-in-hand question.

From 8 LPA to 11 LPA, side by side

The same structure throughout: 40% basic, so provident fund on half the package; employer provident fund inside CTC; ₹200 of professional tax; the new regime. No income tax applies anywhere in this band, so each step of CTC reaches you less provident fund and nothing else.

Offer letters that all say “9 LPA”

The same headline can be built in ways that change the monthly credit. With the employer’s provident fund inside CTC and basic at 40%, in-hand is ₹65,800. With the same ₹9,00,000 paid as gross salary and the employer’s provident fund on top, it is ₹70,013. With basic above half the package — 60%, say — it falls to ₹64,000. Basic anywhere up to half makes no difference, because provident fund already runs on at least half the package.

An employer that computes provident fund on the ₹25,000 statutory wage ceiling, in force since 17 September 2026, deducts ₹3,000 a month from each side instead of ₹4,500, which gives ₹68,800. So “9 LPA” spans ₹64,000 to ₹70,013 a month in hand with the headline unchanged; the three things to ask are where basic sits against half the package, whether provident fund is capped at the ceiling, and whether the employer’s provident fund is inside the CTC.

Variable pay counts as well. If ₹90,000 of a ₹9,00,000 CTC is variable, the monthly figure is built on the fixed ₹8,10,000 and comes to about ₹59,200, with the variable part paid later as a lump if and when it is earned.

Tax at 9 LPA, under each regime

Gross salary of ₹8,46,000 less the ₹75,000 standard deduction leaves ₹7,71,000 of taxable income under the FY 2026-27 new regime, inside the ₹12,00,000 rebate limit — so the TDS line should read zero.

Under the old regime the same salary is taxed ₹74,568 a year with nothing claimed, or ₹43,368 with the full ₹1,50,000 under Section 80C. Its rebate applies only at ₹5,00,000 of taxable income or less, which here would take ₹2,96,000 of deductions. That is arithmetic on this salary, not a rule for everyone — the tax regime calculator runs the comparison on your own deductions.