₹45 LPA in-hand salary: what actually reaches your bank
A ₹45 LPA offer is not ₹3,75,000 a month. With a standard structure, about ₹2,71,950 a month reaches your account under the new regime — 73% of the headline figure. Here is where the rest goes.
Monthly in hand · new regime
₹2,71,950
Monthly in hand · old regime, nothing claimed
₹2,55,112
Never reaches your account
₹1,08,138
Employer PF and gratuity provision — yours eventually, not spendable now.
Your structure is different — model your exact offer →
The ₹45 LPA CTC, line by line
| Component | Annual | Monthly | Reaches your bank? |
|---|---|---|---|
| Basic salary | ₹18,00,000 | ₹1,50,000 | Yes |
| House Rent Allowance Partly or wholly exempt under the old regime if you actually pay rent. Fully taxable under the new regime. | ₹7,20,000 | ₹60,000 | Yes |
| Special allowance The balancing figure. Fully taxable, and the component employers flex to hit a CTC number. | ₹18,71,862 | ₹1,55,988 | Yes |
| Employer's PF contribution Counted in your CTC but paid into your EPF and EPS accounts. It is genuinely yours — it just is not spendable now. | ₹21,600 | ₹1,800 | No |
| Gratuity provision Set aside against a future gratuity payment. You get nothing if you leave before five years. | ₹86,538 | ₹7,212 | No |
What comes off before it is credited
| Deduction | Annual | Monthly |
|---|---|---|
| Your PF contribution Deducted from your salary into your own EPF account. Forced saving, not a tax. | ₹2,16,000 | ₹18,000 |
| Income tax (TDS) | ₹9,10,061 | ₹75,838 |
| Professional tax Levied by your state, not the Centre. Some states levy none at all. | ₹2,400 | ₹200 |
What this page assumes
Employers structure CTC differently, so a page about a round number has to pick a structure and say so. This one uses the same defaults as the calculator:
- Basic salary at 40% of CTC — the commonest structure, though employers vary it from 30% to 50%.
- HRA at 40% of basic (the non-metro rate; 50% in Delhi, Mumbai, Kolkata or Chennai).
- EPF deducted — 12% of basic from you, matched by your employer inside the CTC.
- Professional tax of ₹2,400 a year. Some states charge none.
- No rent, 80C or other deductions claimed in the old-regime figure — it is the floor, not a forecast.
Questions people actually ask
- How much of a ₹45 LPA CTC reaches your bank each month?
- Around ₹2,71,950 a month under the new tax regime, with a standard salary structure — 73% of the headline figure. The exact number depends on how your employer splits basic, HRA and allowances, which is what the calculator on this page lets you model.
- Why is it not simply ₹3,75,000 a month (CTC ÷ 12)?
- ₹1,08,138 of a ₹45 LPA CTC is your employer's PF contribution and the gratuity provision — real money set aside for you, but it never appears in your bank account. Income tax of ₹9,10,061 and your own PF contribution then come off what remains before it is credited.
- Old or new regime at ₹45 LPA?
- With nothing claimed, the new regime leaves ₹32,63,401 a year in hand against ₹30,61,350 under the old regime. Rent (through HRA) and 80C investments only count in the old regime, so heavy deductions can flip that comparison — the income tax calculator lets you test both against your actual numbers.
- What does this page assume?
- Basic salary at 40% of CTC — the commonest structure, though employers vary it from 30% to 50%. HRA at 40% of basic (the non-metro rate; 50% in Delhi, Mumbai, Kolkata or Chennai). EPF deducted — 12% of basic from you, matched by your employer inside the CTC. Professional tax of ₹2,400 a year. Some states charge none. No rent, 80C or other deductions claimed in the old-regime figure — it is the floor, not a forecast.