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Convert your annual CTC to monthly in-hand take-home salary. Complete breakdown with EPF, HRA exemption, professional tax, and income tax under old and new regime.
Monthly In-Hand Salary
Annual CTC
₹12.00 L
Annual Take-Home
₹10.59 L
Total Tax
₹0
You take home 88% of your CTC. The remaining 12% goes to EPF (₹57,600), tax (₹0), and employer costs.
Consider NPS for additional ₹50,000 deduction under Section 80CCD(1B) — saves ₹10,000 at 20% bracket.
HRA + 80C + 80D deductions
₹82,213/mo
Annual: ₹9.87 L
₹75K std deduction, lower slabs
₹88,276/mo
Annual: ₹10.59 L
New regime saves more
₹72,761
New wins by this much
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