18 LPA salary breakdown
| Item | Per year | Per month |
|---|---|---|
| CTC | ₹18,00,000 | ₹1,50,000 |
| Employer PF (inside CTC, not paid to you) | − ₹1,08,000 | − ₹9,000 |
| Gratuity (inside CTC, paid later when you leave) | − ₹43,290 | − ₹3,608 |
| Gross salary | ₹16,48,710 | ₹1,37,393 |
| Your PF | − ₹1,08,000 | − ₹9,000 |
| Professional tax | − ₹2,400 | − ₹200 |
| Income tax and cess (FY 2026-27) | − ₹1,20,699 | − ₹10,058 |
| In-hand salary | ₹14,17,611 | ₹1,18,134 |
How your offer letter changes it
Companies split the same CTC differently. Monthly in-hand pay for 18 LPA under each change, with everything else at the defaults:
| Common defaults (above) | ₹1,18,134 |
| PF capped at ₹1,800 a month | ₹1,31,151 |
| Gratuity not part of CTC | ₹1,21,105 |
| Basic pay 40% of CTC (structure used before the Labour Codes) | ₹1,22,045 |
| 10% of CTC is yearly variable pay (regular monthly credit) | ₹1,03,134 |
Questions
What is the in-hand salary per month for 18 LPA?
About ₹1,18,134 a month in FY 2026-27 under the new regime, with basic pay at 50% of CTC, PF on full basic, gratuity inside CTC and ₹2,400 professional tax. Your offer's structure can move this up or down.
How much income tax is paid on 18 LPA?
About ₹1,20,699 a year including 4% cess, under the new regime with the ₹75,000 standard deduction.
How much PF is deducted from a 18 LPA salary?
With PF at 12% of a basic pay of 50% of CTC, your share is about ₹9,000 a month, and the employer adds the same amount inside your CTC. If PF is capped at the ₹15,000 wage ceiling, each share is ₹1,800 a month and in-hand pay is about ₹1,31,151.
What is 18 LPA in hand without PF?
If no PF is deducted at all, monthly in-hand pay rises to about ₹1,34,376. Companies covered by the EPF scheme usually deduct it, so check your offer letter.
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