3 LPA salary breakdown
| Item | Per year | Per month |
|---|---|---|
| CTC | ₹3,00,000 | ₹25,000 |
| Employer PF (inside CTC, not paid to you) | − ₹18,000 | − ₹1,500 |
| Gratuity (inside CTC, paid later when you leave) | − ₹7,215 | − ₹601 |
| Gross salary | ₹2,74,785 | ₹22,899 |
| Your PF | − ₹18,000 | − ₹1,500 |
| Professional tax | − ₹2,400 | − ₹200 |
| Income tax and cess (FY 2026-27) | − ₹0 | − ₹0 |
| In-hand salary | ₹2,54,385 | ₹21,199 |
How your offer letter changes it
Companies split the same CTC differently. Monthly in-hand pay for 3 LPA under each change, with everything else at the defaults:
| Common defaults (above) | ₹21,199 |
| PF capped at ₹1,800 a month | ₹21,199 |
| Gratuity not part of CTC | ₹21,800 |
| Basic pay 40% of CTC (structure used before the Labour Codes) | ₹21,919 |
| 10% of CTC is yearly variable pay (regular monthly credit) | ₹18,699 |
Questions
What is the in-hand salary per month for 3 LPA?
About ₹21,199 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 3 LPA?
None under the new regime: taxable income stays under ₹12 lakh after the ₹75,000 standard deduction.
How much PF is deducted from a 3 LPA salary?
With PF at 12% of a basic pay of 50% of CTC, your share is about ₹1,500 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 ₹21,199.
What is 3 LPA in hand without PF?
If no PF is deducted at all, monthly in-hand pay rises to about ₹24,199. Companies covered by the EPF scheme usually deduct it, so check your offer letter.
Got the offer? Prepare the interview
CrackInterviewAI is a Windows app that turns a spoken, typed or screenshot interview question into a short answer outline using your resume. New accounts get 30 free minutes.