FY 2026-27 · India

8 LPA in-hand salary: about INR 56,855 a month.

On a CTC of INR 8,00,000 a year you take home about INR 56,855 a month under the new tax regime and INR 53,479 under the old regime.

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What changes at 8 LPA

Even a full section 123 leaves the old regime charging tax, while the new regime charges none.

Old regime taxable income at 8 LPA is INR 6,32,260, INR 1,32,260 over the INR 5 lakh line below which its rebate cancels the tax. Your own PF already counts INR 48,000 towards the INR 1.5 lakh section 123 limit, so PPF, ELSS, life insurance or tuition fees can take off at most another INR 1,02,000.

That still leaves taxable income INR 30,260 over the line, and with no marginal relief the old regime would charge INR 19,294 with cess. It needs another INR 30,260 of deductions, such as a rent allowance exemption or health insurance, just to reach zero tax and draw level with the new regime. From a CTC of about 7.67 LPA, a full section 123 is no longer enough on its own.

The new regime asks for none of that. Its taxable income is INR 6,57,760, its INR 12,888 of slab tax is cancelled, and INR 56,855 a month reaches your account, against INR 53,479 under the old regime with no extra deductions.

The breakdown

From a 8 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

8 LPA salary breakdown under both regimes, monthly
Line	New regime	Old regime
Gross salary	INR 61,063	INR 61,063
Employee PF	-INR 4,000	-INR 4,000
Professional tax	-INR 208	-INR 208
Income tax and cess	INR 0	-INR 3,376
In-hand	INR 56,855	INR 53,479

For the year

8 LPA salary breakdown under both regimes, yearly
Line	New regime	Old regime
CTC	INR 8,00,000	INR 8,00,000
Employer PF	-INR 48,000	-INR 48,000
Gratuity provision	-INR 19,240	-INR 19,240
Gross salary	INR 7,32,760	INR 7,32,760
Employee PF	-INR 48,000	-INR 48,000
Professional tax	-INR 2,500	-INR 2,500
Income tax and cess	INR 0	-INR 40,510
In-hand for the year	INR 6,82,260	INR 6,41,750

Questions

8 LPA in-hand salary, answered.

Does investing in ELSS or PPF save tax at 8 LPA?

Only under the old regime, and not enough to matter: the INR 1,02,000 of section 123 room your PF leaves brings its tax down to INR 19,294 a year, while the new regime charges no income tax at all at this salary.

How much income tax does the old regime take at 8 LPA?

INR 40,510 a year with cess, about INR 3,376 a month, with no deductions beyond PF and professional tax. That is the whole gap between the two: the new regime leaves INR 56,855 a month and the old INR 53,479.

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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