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CTC → Take Home

Monthly in-hand under both tax regimes.

Annual CTC (₹)

Basic % of CTC

80C (Old only)

80D Health Insurance (Old)

HRA Exemption (Old)

Home Loan Interest (Old)

New Regime

Better

Monthly take-home

₹1,08,836

Annual tax: ₹1,19,504

Old Regime

Monthly take-home

₹1,03,769

Annual tax: ₹1,80,317

Salary structure (annual)

Gross salary (CTC − employer PF − gratuity)₹14,49,540

Employee PF−₹21,600

Professional Tax−₹2,400

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