In-hand salary by CTC · Karnataka · FY 2026-27
What each CTC actually pays
22 amounts, from ₹6 lakh to ₹1 crore, each computed by the same engine our calculator runs — new regime, basic + DA at the Code on Wages floor, employer provident fund and the gratuity provision inside the quoted CTC, professional tax read from Karnataka’s own schedule. Every page shows its working line by line, and says which statute made each deduction.
Income-tax Act 2025 · in force FY 2026-27 · verified
| Annual CTC | In-hand a month | Income tax a year | You keep | Worth knowing |
|---|---|---|---|---|
| ₹6 lakh | ₹43,148 | Nil | 86.30% | |
| ₹7 lakh | ₹50,374 | Nil | 86.35% | |
| ₹8 lakh | ₹57,600 | Nil | 86.40% | |
| ₹9 lakh | ₹64,826 | Nil | 86.43% | |
| ₹10 lakh | ₹72,052 | Nil | 86.46% | |
| ₹11 lakh | ₹79,278 | Nil | 86.48% | |
| ₹12 lakh | ₹86,504 | Nil | 86.50% | |
| ₹13 lakh | ₹93,730 | Nil | 86.52% | A small raise from here lowers take-home |
| ₹14 lakh | ₹99,530 | ₹17,111 | 85.31% | Take-home here is below a smaller CTC |
| ₹15 lakh | ₹1,01,568 | ₹79,357 | 81.25% | |
| ₹16 lakh | ₹1,07,595 | ₹93,748 | 80.70% | |
| ₹18 lakh | ₹1,19,649 | ₹1,22,529 | 79.77% | |
| ₹20 lakh | ₹1,30,966 | ₹1,60,146 | 78.58% | |
| ₹22 lakh | ₹1,42,220 | ₹1,98,521 | 77.57% | |
| ₹24 lakh | ₹1,52,872 | ₹2,44,119 | 76.44% | |
| ₹25 lakh | ₹1,58,099 | ₹2,68,103 | 75.89% | |
| ₹30 lakh | ₹1,82,969 | ₹4,03,229 | 73.19% | |
| ₹35 lakh | ₹2,07,107 | ₹5,47,134 | 71.01% | |
| ₹40 lakh | ₹2,31,245 | ₹6,91,038 | 69.37% | |
| ₹50 lakh | ₹2,79,520 | ₹9,78,848 | 67.08% | |
| ₹75 lakh | ₹3,86,057 | ₹18,68,209 | 61.77% | |
| ₹1 crore | ₹5,00,750 | ₹26,59,686 | 60.09% |
How to read this table
In-hand a month is what reaches the bank account after income tax, the employee’s provident-fund contribution and professional tax — the three things that come out of gross salary. You keep measures that against the CTC on the offer letter rather than against gross, because that is the number the question is usually asked about. The gap between the two is the employer’s provident-fund contribution and the gratuity provision: both are yours, and neither ever appears on a payslip.
Worth knowing marks the amounts that sit in or beside a marginal-relief band — the narrow stretches where a bigger offer leaves you with less each month. They are not a rounding artefact; they are what the statute requires, and the guide explains exactly where the edges are.
Why there is one page per amount and not one per state
Under the new regime the only thing a state changes is professional tax, which Article 276(2), Constitution of India caps and which is not deductible from taxable income. It moves the monthly figure by roughly the price of a coffee, and the whole of that variation fits in one six-state table on each page. Publishing an amount for every state would multiply these 22 pages into hundreds of near-identical ones, which is not a service to anybody. If you want your own state, it is a control in the calculator, and every state’s schedule is on its own page.
What these figures assume
A salary and nothing else — no capital gains, no house property, no business income. Basic + DA at half of remuneration, which is the Code on Wages floor in force since 21 November 2025 and the reason our provident-fund figures are larger than most. Employer provident fund and the gratuity provision inside the quoted CTC, because that is how Indian offer letters are written. Each page lists the alternatives, computes them, and shows what they do to the answer. The full method is on our methodology page.