LPA Salary in India: In-Hand Take-Home Guide (FY 2026-27)

LPA means Lakh Per Annum — the standard way Indian salaries are quoted. 1 LPA = ₹1,00,000 per year. Your actual monthly take-home (in-hand) is lower than the gross figure because of income tax, EPF, and professional tax.

LPA to in-hand salary — monthly take-home table (FY 2026-27)

Calculated under the new tax regime with 40% basic salary, metro HRA, and standard EPF. Actual take-home varies with salary structure and deductions.

→ Calculate your exact in-hand for any CTC

LPA full form

LPA = Lakh Per Annum. One lakh = ₹1,00,000. So 12 LPA = ₹12,00,000 per year = ₹1,00,000 per month gross.

Why is in-hand lower than gross?

Your monthly gross (CTC ÷ 12) is reduced by:

• Income tax (TDS) — the biggest deduction; depends on regime and CTC
• Employee EPF — 12% of basic salary (capped at ₹1,800/month for CTC up to ₹15L)
• Professional tax — ₹200/month in most metro states

At 10 LPA the gap is ~₹11,000/month; at 30 LPA it widens to ~₹65,000/month because higher slabs apply.

New regime vs old regime — which gives more in-hand?

The new regime (default from FY 2024-25) gives higher in-hand for most salaried employees up to ₹15L CTC because of the ₹75,000 standard deduction and lower slab rates. The old regime wins only when deductions (80C + 80D + HRA) are large enough to offset the higher slabs.

How to convert LPA to monthly in-hand

1. Take your CTC in LPA and multiply by 1,00,000 to get annual CTC.
2. Subtract variable pay (bonus, RSU) to get fixed annual pay.
3. Use the In-Hand calculator — enter your CTC, basic %, and city to get the exact monthly take-home under both regimes.