FY 2026-27 · India

15 LPA in-hand salary: about INR 1,00,300 a month.

On a CTC of INR 15,00,000 a year you take home about INR 1,00,300 a month under the new tax regime and INR 91,019 under the old regime.

Change the assumptions in the calculator

What changes at 15 LPA

Past the rebate, and the closest the old regime comes to catching up.

New regime taxable income is INR 12,98,925, INR 98,925 over the INR 12 lakh limit. Marginal relief only caps the tax at the income over the limit, and here the INR 74,839 of slab tax is already less than that, so all of it is due: INR 77,833 a year with cess, about INR 6,486 a month.

This is the first of these levels where the old regime can come out ahead, and it needs less here than at any higher level on the list: about INR 4,20,000 more in deductions than your PF and professional tax, from a rent allowance exemption, section 123 investments beyond your PF, health insurance or home loan interest. At 25 LPA it would need about INR 6,17,000, and at 30 LPA about INR 6,48,000.

The old regime's own taxable income is INR 12,31,425, past the INR 10 lakh line, so part of it is taxed at 30%: INR 1,89,205 a year before any of those deductions.

The breakdown

From a 15 LPA CTC to your bank account.

Basic pay at 50% of CTC, PF at 12% of full basic for you and your employer, gratuity at 4.81% of basic inside the CTC, the Maharashtra rate of professional tax for men, no variable pay and no old regime deductions beyond PF and professional tax.

Each month

15 LPA salary breakdown under both regimes, monthly
Line	New regime	Old regime
Gross salary	INR 1,14,494	INR 1,14,494
Employee PF	-INR 7,500	-INR 7,500
Professional tax	-INR 208	-INR 208
Income tax and cess	-INR 6,486	-INR 15,767
In-hand	INR 1,00,300	INR 91,019

For the year

15 LPA salary breakdown under both regimes, yearly
Line	New regime	Old regime
CTC	INR 15,00,000	INR 15,00,000
Employer PF	-INR 90,000	-INR 90,000
Gratuity provision	-INR 36,075	-INR 36,075
Gross salary	INR 13,73,925	INR 13,73,925
Employee PF	-INR 90,000	-INR 90,000
Professional tax	-INR 2,500	-INR 2,500
Income tax and cess	-INR 77,833	-INR 1,89,205
In-hand for the year	INR 12,03,592	INR 10,92,220

Questions

15 LPA in-hand salary, answered.

Why does tax jump between 12 LPA and 15 LPA?

Up to a CTC of about 13.92 LPA the rebate cancels the new regime's tax. Just above it, marginal relief holds the tax to the income over INR 12 lakh, and by 15 LPA the full INR 74,839 of slab tax plus cess applies.

When does the old regime leave more at 15 LPA?

When your deductions beyond PF and professional tax come to more than about INR 4,20,000 a year. Below that the new regime leaves more. The calculator works it out with your own figures.

Other levels and sources

Compare another CTC.

Figures are estimates from the FY 2026-27 rules, checked on 22 October 2026. Your employer's payroll and salary structure can change them, and this is not tax advice.

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