₹18 LPA In Hand Salary
What a ₹18 Lakh CTC actually pays into your account each month, with every deduction shown, and a calculator preset to ₹18 Lakh so you can match your own offer letter.
Assumes the FY 2025-26 new tax regime with standard deduction, EPF at 12% of basic for both employee and employer, and gratuity provision at 4.81% of basic. Company-specific components like meal cards, NPS or insurance premiums can shift the result slightly.
What ₹18 LPA pays you each month
A CTC is what you cost your employer, not what you receive. Two large pieces of it, the employer EPF contribution and the gratuity provision, never reach your bank account as salary. What is left is your gross salary, and income tax, your own EPF share and professional tax come out of that. On a ₹18 Lakh CTC the arithmetic looks like this:
| Component | Amount |
|---|---|
| Annual CTC | ₹18,00,000 |
| Basic salary (50% of CTC) | ₹9,00,000 |
| Less: employer EPF, inside the CTC | -₹1,08,000 |
| Less: gratuity provision | -₹43,290 |
| Gross salary | ₹16,48,710 |
| Less: employee EPF (12% of basic) | -₹1,08,000 |
| Less: income tax, new regime with cess | -₹1,20,699 |
| Less: professional tax | -₹2,500 |
| Annual take-home | ₹14,17,511 |
| Monthly in-hand | ₹1,18,126 |
So the honest answer to "what is the in-hand for ₹18 LPA" is around ₹1,18,126 a month, assuming a basic of 50% of CTC and the new tax regime. Your own offer will differ, which is what the next section is about.
Why two people on ₹18 LPA take home different amounts
The single biggest variable is the basic salary percentage, which your employer chooses. A higher basic means a larger EPF deduction, so less cash now and more retirement savings. A lower basic means more cash in hand today:
| If basic is | Monthly in-hand | Annual take-home |
|---|---|---|
| 40% of CTC | ₹1,22,037 | ₹14,64,443 |
| 50% of CTC | ₹1,18,126 | ₹14,17,511 |
| 60% of CTC | ₹1,14,198 | ₹13,70,373 |
Other things that move the number: a performance bonus paid annually rather than monthly, whether gratuity is shown inside your CTC at all, the professional tax in your state, which varies from nothing to ₹2,500 a year, and the old regime if you still use it and claim large HRA or 80C deductions. The calculator above has a field for each of these.
How ₹18 LPA compares with nearby offers
Take-home does not rise in a straight line with CTC, because each new slab is taxed harder than the last:
| CTC | Monthly in-hand | Annual take-home |
|---|---|---|
| ₹10 LPA | ₹71,121 | ₹8,53,450 |
| ₹12 LPA | ₹85,387 | ₹10,24,640 |
| ₹15 LPA | ₹1,00,299 | ₹12,03,593 |
| ₹18 LPA | ₹1,18,126 | ₹14,17,511 |
| ₹20 LPA | ₹1,29,330 | ₹15,51,965 |
| ₹25 LPA | ₹1,56,126 | ₹18,73,508 |
| ₹30 LPA | ₹1,80,685 | ₹21,68,221 |
Other CTC levels
₹10 LPA ₹12 LPA ₹15 LPA ₹20 LPA ₹25 LPA ₹30 LPA Income Tax Calculator Salary Calculator
Frequently asked questions
What is the in-hand salary for ₹18 LPA CTC?
About ₹1,18,126 per month, or ₹14,17,511 a year, under the new regime for FY 2025-26 with a basic of 50% of CTC. The breakdown above shows every deduction.
How much tax do I pay on ₹18 LPA?
On a gross salary of ₹16,48,710 the income tax works out to ₹1,20,699 for the year including 4% cess, after the ₹75,000 standard deduction. Income up to ₹12,00,000 of taxable salary pays no tax under the new regime thanks to the rebate.
Why is my actual salary slip different?
Common reasons: your basic is not 50% of CTC, part of your package is an annual bonus, your state charges a different professional tax, your employer includes insurance or a meal card in the CTC, or you are on the old regime. Adjust the fields in the calculator to match your offer letter and the numbers will line up.
Is this the new regime or the old regime?
The figures on this page use the new regime for FY 2025-26, which is the default for most employees. If you claim large HRA, home loan interest or 80C deductions, check the old regime as well with our income tax calculator before choosing.