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In-hand salary by CTC · Karnataka · FY 2026-27

₹11 lakh CTC in hand: ₹79,278 a month

A CTC of ₹11 lakh pays ₹79,278 a month under the new regime in Karnataka — ₹9,51,331 a year, after no income tax, ₹60,883 of provident fund and ₹2,500 of professional tax. Full working below, each line cited.

Income-tax Act 2025 · in force FY 2026-27 · every figure computed by our calculator when this page was built · verified

Monthly in-hand
₹79,278 a month
Over the year
₹9,51,331
Income tax
Nil on ₹9,39,713 taxable
Of gross, you keep
93.75%
Of the CTC, you keep
86.48%
Last verified

Where the money goes

Annual CTC to annual take-home · new regime · Karnataka · FY 2026-27
Line A year A month
Annual CTC The figure on the offer letter — everything your employer spends on you. ₹11,00,000 ₹91,667
less employer pf Inside the CTC, never on the payslip. It goes to your provident-fund account. Employees' Provident Funds Scheme 2026, para 18(2) — 12% of basic + DA ₹60,883 ₹5,074
less gratuity provision Also inside the CTC. You see it when you leave, not each month. Code on Social Security 2020, s.53(2) — 4.81% of basic, i.e. 15/26 of last-drawn wages for every completed year of service, and for a part year in excess of six months ₹24,404 ₹2,034
Gross salary What the payslip calls gross. Every deduction below comes out of this. Code on Wages 2019, in force 21 November 2025 — basic + DA held at 50% of remuneration ₹10,14,713 ₹84,559
less income tax After the ₹75,000 standard deduction under s.19. Income-tax Act, 2025 · taxable ₹9,39,713 · s.156 rebate ₹33,971 · 4% cess ₹0 ₹0
less employee pf Yours, but not spendable this month. Employees' Provident Funds Scheme 2026, para 18(2) — 12% of basic + DA ₹60,883 ₹5,074
less professional tax Derived from the state schedule, never typed in. Not deductible under the new regime. Karnataka — Karnataka Tax on Profession, Trades, Callings and Employments Act, 1976, as amended by Karnataka Act 14 of 2023 (Rs 25,000 a month and above, w.e.f. 1 April 2023) and by Karnataka Act 33 of 2025 (Rs 200 a month except Rs 300 for February, w.e.f. 1 April 2025) ₹2,500 ₹208
In-hand, yearly ₹9,51,331 ₹79,278

93.75% of gross salary reaches the account. Against the CTC on the offer letter it is 86.48% — the difference is the employer’s provident-fund contribution and the gratuity provision, which are yours but never pass through a payslip.

Old regime or new, at this CTC

New regime

₹79,278/month

₹9,51,331 a year

Old regime, nothing claimed

₹70,183/month

₹8,42,191 a year

The new regime leaves you ₹1,09,140 better off over the year before any deduction is claimed. No amount of old-regime deductions beats it here: the new regime already charges no income tax at this CTC, and the old regime cannot go below nothing. Work it out with your own deductions, at this CTC.

The same CTC in six states

Monthly in-hand · new regime · professional tax from each state’s own schedule
State In-hand a month Professional tax a year Against Karnataka
Karnataka Karnataka Tax on Profession, Trades, Callings and Employments Act, 1976, as amended by Karnataka Act 14 of 2023 (Rs 25,000 a month and above, w.e.f. 1 April 2023) and by Karnataka Act 33 of 2025 (Rs 200 a month except Rs 300 for February, w.e.f. 1 April 2025) ₹79,278 ₹2,500 —
Maharashtra Maharashtra State Tax on Professions, Trades, Callings and Employments Act, 1975; Schedule I entry 1 as substituted w.e.f. 1 April 2023 Maharashtra exempts women earning up to ₹25,000 a month. We do not ask your gender, so this is the general schedule. ₹79,278 ₹2,500 ₹0
Telangana Telangana Tax on Professions, Trades, Callings and Employments Act, 1987 ₹79,286 ₹2,400 +₹8
Tamil Nadu Tamil Nadu Town Panchayats, Municipalities and Municipal Corporations (Levy and Collection of Profession Tax) Rules, 1998, as revised for Greater Chennai by council resolution 574/2024, notified 20 January 2025 Tamil Nadu sets this per urban local body. We use the Greater Chennai Corporation schedule, as revised in January 2025; another local body may charge more or less. ₹79,278 ₹2,500 ₹0
West Bengal West Bengal State Tax on Professions, Trades, Callings and Employments Act, 1979 ₹79,286 ₹2,400 +₹8
Delhi No professions-tax statute has ever been enacted for the National Capital Territory. No professional tax is levied ₹79,486 Nil +₹208

Income tax is Union law and the Code on Wages floor is national, so at this CTC the state can only ever move one line: professional tax. That is why this is a table and not thirty-six pages. Every state and union territory, each cited to its own statute.

Why published figures for this CTC disagree

Search this amount and you will find calculators that differ by tens of thousands of rupees a year on the same offer letter. Almost none of that is arithmetic. It is a handful of modelling choices, and the table below is our own engine with each of them moved in turn — so you can see which switch produces which answer, and reproduce every row in our calculator yourself.

One CTC, six defensible readings · monthly in-hand
The assumption In-hand a month Against ours
What we publish Basic + DA at the Code on Wages floor, PF on the whole of it, both retirals inside the CTC, professional tax read from the state schedule. ₹79,278 —
PF capped at the statutory ₹15,000 wage Contributions stop at the ceiling instead of following basic, so less is withheld — and less is saved. ₹85,748 +₹6,470
Gratuity treated as outside the quoted CTC The provision is added back to gross rather than carved out of the offer. ₹81,081 +₹1,803
Employer PF treated as outside the quoted CTC The employer share stops reducing gross, which is the single largest lever here. ₹83,935 +₹4,657
All three at once The most generous defensible reading of the same offer letter. ₹89,658 +₹10,381
Old regime, nothing claimed A calculator still defaulting to the old regime, for somebody who has not entered any deductions. ₹70,183 -₹9,095

That is a spread of 27.75% on one CTC, and not one row of it is an arithmetic mistake. We publish the first, and here is why each of the others is the wrong default. Capping provident fund at the statutory monthly wage understates what most employers actually deduct, because most contribute on full basic. Treating the gratuity provision or the employer’s provident-fund contribution as sitting outside the quoted CTC contradicts how Indian offer letters are written — both are named in the CTC break-up, which is the whole reason the number on the letter is larger than the number in the bank. And the old regime is no longer the default one: under the Income-tax Act 2025 a salaried person is in the new regime unless they opt out, so quoting an old-regime figure to somebody who has claimed nothing describes a position almost nobody is in.

The fourth cause is older and quieter, and it only bites in the old regime: the house-rent exemption. Rule 279 of the Income-tax Rules, 2026 gives the higher rate to 8 cities — Mumbai, Kolkata, Delhi, Chennai, Hyderabad, Pune, Ahmedabad and Bengaluru — where the erstwhile Rule 2A named four. A calculator still running the old four-city list understates the exemption for anyone renting in the four that were added, and therefore overstates their tax.

Underneath all of it sits the assumption none of them state: basic pay. We hold basic + DA at the Code on Wages floor of half of remuneration, in force since 21 November 2025, because a lower basic is not lawful — and provident fund and gratuity are both computed on it. A calculator assuming the pre-Code 30–40% basic understates both, and overstates take-home. Our methodology page lists every rule, every dataset and every source behind these figures.

Check it against your own offer

Your basic may be higher than the floor, your employer may quote CTC without the gratuity provision, and your state may not be Karnataka. All three are controls in the calculator, and it opens with this CTC already in it.

Open the calculator on this CTC

Other CTCs on the ladder

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