8 LPA in-hand salary: how much do you actually take home?
A ₹8 LPA (₹8,00,000) CTC is approximately ₹56,863 per month in-hand.
That's about ₹6,82,360 per year after PF, professional tax and income tax under the new regime (FY 2025-26).
If your offer letter says ₹8 LPA, the number that lands in your bank account each month is noticeably lower — because CTC (Cost to Company) bundles in your employer's PF contribution, gratuity, and the taxes that get deducted before you're paid. For a ₹8 LPA package, the realistic monthly take-home is around ₹56,863. Below is the complete breakdown so you know exactly where every rupee goes.
Full breakdown
How this is calculated
This calculation assumes the most common Indian salary structure: a basic salary of 50% of CTC, the employer's 12% PF contribution and gratuity (4.81% of basic) counted inside the CTC, and the new tax regime for FY 2025-26 (in which income up to ₹12 lakh is effectively tax-free thanks to the Section 87A rebate, plus a ₹75,000 standard deduction). Your actual figure can vary by a few thousand rupees depending on your company's exact structure, your city's professional tax, and any allowances. Use the interactive calculator to plug in your own basic percentage and deductions.
Frequently asked questions
In-hand salary for other CTCs
These figures are estimates for planning and use standard assumptions stated above. Your actual numbers depend on your specific salary structure or loan terms. For financial decisions, verify with your employer, lender, or a qualified advisor.