Last Updated: July 24, 2026
The 30 LPA in hand salary in India (FY 2026-27) works out to approximately ₹1,75,000 to ₹1,95,150 per month — depending on your tax regime, salary structure, and deductions. Under the New Tax Regime, most professionals take home around ₹1,80,000 to ₹1,84,000 per month.
Quick Stats: 30 LPA In Hand Salary at a Glance (FY 2026-27)
| Parameter | Amount |
|---|---|
| CTC (Annual) | ₹30,00,000 |
| Monthly CTC (Gross Divide) | ₹2,50,000 |
| Annual In-Hand (New Regime) | ₹21,68,321 – ₹21,76,080 |
| Monthly In-Hand (New Regime) | ₹1,80,693 – ₹1,84,000 |
| Monthly In-Hand (Old Regime) | ₹1,67,000 – ₹1,72,000 |
| Total Tax (New Regime) | ₹4,75,800 |
| Total Tax (Old Regime) | ₹6,47,400 |
| New Regime Tax Savings | ₹1,71,600/year |
| EPF Deduction (Employee) | ₹1,44,000/year (₹12,000/month) |
| Professional Tax (Avg.) | ₹2,400/year (₹200/month) |
| Gratuity (Employer Side) | ₹57,720/year (not monthly paid) |
| Effective Tax Rate (New Regime) | 15.9% of gross |
| Effective Tax Rate (Old Regime) | 21.6% of gross |
What Is 30 LPA In Hand Salary? Let’s Start Here
Let’s be honest — the first time someone sees “30 LPA” written on an offer letter, the heart skips a beat. Then they divide it by 12, get ₹2.5 lakh, and start planning that dream vacation to Europe. And then the first salary credit hits. ₹1.8 lakh. Not ₹2.5 lakh.
No, your company didn’t cheat you. Welcome to the beautiful, slightly infuriating world of CTC vs In-Hand salary in India.
What is 30 LPA in hand salary in simple terms? It’s the actual amount that lands in your bank account every month after your employer has deducted income tax (TDS), Employee Provident Fund (EPF), Professional Tax, and accounted for components like Gratuity that are part of your CTC but not paid monthly.
Here’s the formula that runs behind the scenes:
In-Hand Salary = CTC − Employer EPF − Gratuity − Employee EPF − TDS − Professional Tax
For most Indians, the 30 LPA in hand salary works out to 60–75% of the CTC — so between ₹18 lakh and ₹22.5 lakh annually, or ₹1.5 lakh to ₹1.87 lakh per month depending on your structure and tax choices.
CTC 30 LPA In Hand Salary: The Full Salary Structure Breakdown
Before jumping to the final number, let’s understand how a CTC 30 LPA in hand salary is actually built — because two people can have the exact same ₹30 LPA CTC and still take home very different amounts each month.
Typical Salary Component Breakdown (CTC ₹30,00,000)
| Salary Component | Annual Amount | Monthly Amount |
|---|---|---|
| Basic Salary (50% of CTC) | ₹15,00,000 | ₹1,25,000 |
| HRA (50% of Basic) | ₹7,50,000 | ₹62,500 |
| Special Allowance | ₹3,84,280 | ₹32,023 |
| LTA (Leave Travel Allowance) | ₹50,000 | ₹4,167 |
| Food/Meal Allowance | ₹26,400 | ₹2,200 |
| Employer EPF (12% of Basic, capped) | ₹1,44,000 | ₹12,000 |
| Gratuity | ₹57,720 | (Paid on exit) |
| Medical/Health Insurance (Employer) | ₹87,600 | ₹7,300 |
| TOTAL CTC | ₹30,00,000 | ₹2,50,000 |
Now, what actually leaves your paycheck every month:
Monthly Deductions
| Deduction | Monthly Amount |
|---|---|
| Employee EPF (12% of Basic) | ₹12,000 |
| Professional Tax | ₹200 |
| TDS / Income Tax (New Regime) | ₹39,650 |
| Total Monthly Deductions | ₹51,850 |
Monthly Gross Salary (after removing Employer-side costs from CTC)
Your gross salary (what shows on your payslip before deductions) is approximately: ₹30,00,000 − ₹1,44,000 (Employer EPF) − ₹57,720 (Gratuity) = ₹27,98,280/year = ₹2,33,190/month
After the monthly deductions of ₹51,850:
Monthly In-Hand ≈ ₹2,33,190 − ₹51,850 = ₹1,81,340
This is the most commonly cited 30 LPA in hand salary per month figure under the New Tax Regime with a standard 50% Basic structure.
30 LPA In Hand Salary After Tax: New Regime vs Old Regime
This is THE question everyone with a ₹30 LPA offer has. New regime or old? Let’s make this crystal clear.
New Tax Regime Slab Rates (FY 2026-27)
| Income Slab | Tax Rate |
|---|---|
| Up to ₹4,00,000 | 0% |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Tax Calculation: 30 LPA In Hand Salary After Tax (New Regime)
| Step | Amount |
|---|---|
| Gross CTC | ₹30,00,000 |
| Less: Standard Deduction | ₹75,000 |
| Taxable Income | ₹29,25,000 |
| Tax on ₹4L–₹8L @ 5% | ₹20,000 |
| Tax on ₹8L–₹12L @ 10% | ₹40,000 |
| Tax on ₹12L–₹16L @ 15% | ₹60,000 |
| Tax on ₹16L–₹20L @ 20% | ₹80,000 |
| Tax on ₹20L–₹24L @ 25% | ₹1,00,000 |
| Tax on ₹24L–₹29.25L @ 30% | ₹1,57,500 |
| Total Tax Before Cess | ₹4,57,500 |
| Health & Education Cess (4%) | ₹18,300 |
| Total Annual Tax | ₹4,75,800 |
| Monthly TDS | ₹39,650 |
Old Tax Regime Tax (with standard deductions claimed)
| Deduction | Amount |
|---|---|
| Standard Deduction | ₹50,000 |
| Section 80C (max) | ₹1,50,000 |
| HRA (metro city assumption) | ₹2,50,000 |
| Section 80D (health insurance) | ₹25,000 |
| Total Deductions | ₹4,75,000 |
| Taxable Income | ₹25,25,000 |
| Total Tax (approx.) | ₹6,47,400 |
| Monthly TDS | ₹53,950 |
Head-to-Head: Which Saves More?
| Parameter | New Regime | Old Regime |
|---|---|---|
| Annual Tax | ₹4,75,800 | ₹6,47,400 |
| Monthly TDS | ₹39,650 | ₹53,950 |
| Monthly In-Hand | ~₹1,81,340 | ~₹1,67,000 |
| Annual Savings vs Old | ₹1,71,600 more | — |
30 LPA In Hand Salary New Tax Regime: Month-by-Month Reality
Let’s put real numbers on paper so you know exactly what your bank statement will look like.
Monthly In-Hand Salary Scenarios (New Regime, FY 2026-27)
| Salary Structure | Basic % | Monthly In-Hand |
|---|---|---|
| Standard Structure | 50% Basic | ~₹1,81,340 |
| Higher Basic Structure | 60% Basic | ~₹1,76,500 |
| Lower Basic Structure | 40% Basic | ~₹1,84,000 |
| With Variable Pay (80% paid) | 50% Basic | ~₹1,75,000 – ₹1,80,000 |
| With NPS employer contribution | 50% Basic | ~₹1,88,000–₹1,92,000 |
The variation in 30 LPA in hand salary per month comes from:
- Basic salary percentage — Higher basic = higher EPF deduction but better retirement corpus
- Fixed vs Variable split — Variable pay isn’t paid every month
- Whether NPS is part of the structure — Employer NPS reduces taxable income in both regimes
- Professional Tax rate in your state — Delhi and Haryana charge ₹0; Karnataka and Maharashtra charge up to ₹200/month
TCS 30 LPA In Hand Salary: What Tata Consultancy Services Employees Actually Get
Let’s talk about the elephant in the room. A lot of professionals specifically want to know about TCS 30 LPA in hand salary — and that’s fair, because TCS is one of India’s largest employers and its salary structure has some quirks.
TCS typically structures CTC across the following components:
TCS Salary Structure at ₹30 LPA (Approximate, Community-Reported)
| Component | Annual | Monthly |
|---|---|---|
| Fixed Pay (Basic + HRA + Allowances) | ~₹22,00,000 | ~₹1,83,333 |
| Variable Pay (Performance-based, 8–15%) | ~₹3,00,000–₹4,50,000 | Quarterly/annual |
| Employer EPF | ~₹1,44,000 | ₹12,000 |
| Gratuity | ~₹57,720 | On exit |
| Medical/Other Benefits | ~₹2,98,280 | Included |
| Total CTC | ₹30,00,000 | — |
TCS 30 LPA In-Hand After Deductions (New Regime)
| Deduction | Monthly |
|---|---|
| Employee EPF | ₹12,000 |
| Professional Tax | ₹200 |
| Income Tax (TDS) | ~₹35,000–₹40,000 |
| Monthly In-Hand (Fixed) | ~₹1,75,000–₹1,82,000 |
Important note for TCS employees: TCS pays variable pay (called “Variable Allowance” or bonus) quarterly — so your actual monthly bank credit is based only on fixed components. In months when variable pay is credited, your in-hand shoots up to ₹2.2 lakh–₹2.8 lakh.
TCS 30 LPA in hand salary on a fixed-only basis lands in the range of ₹1.75–₹1.82 lakh per month — slightly lower than companies that front-load the fixed component.
30 LPA In Hand Salary India: City-Wise Lifestyle Impact
The 30 LPA in hand salary India figure of ~₹1.81 lakh per month looks very different depending on where you live. Let’s see what life actually feels like.
City-Wise Budget Breakdown at ₹1,81,000/month In-Hand
| Expense | Bangalore | Mumbai | Hyderabad | Pune | Delhi NCR |
|---|---|---|---|---|---|
| Rent (2BHK) | ₹30,000–₹50,000 | ₹40,000–₹65,000 | ₹20,000–₹35,000 | ₹18,000–₹30,000 | ₹20,000–₹40,000 |
| Groceries & Food | ₹15,000–₹20,000 | ₹18,000–₹25,000 | ₹12,000–₹18,000 | ₹12,000–₹18,000 | ₹14,000–₹20,000 |
| Utilities & Internet | ₹3,000–₹5,000 | ₹3,500–₹5,500 | ₹2,500–₹4,000 | ₹2,500–₹4,000 | ₹3,000–₹5,000 |
| Transport | ₹5,000–₹8,000 | ₹4,000–₹8,000 | ₹4,000–₹7,000 | ₹3,500–₹6,000 | ₹4,000–₹8,000 |
| EMI (if any) | ₹20,000–₹40,000 | ₹25,000–₹50,000 | ₹15,000–₹30,000 | ₹15,000–₹28,000 | ₹18,000–₹35,000 |
| Entertainment | ₹5,000–₹10,000 | ₹5,000–₹12,000 | ₹4,000–₹8,000 | ₹4,000–₹8,000 | ₹5,000–₹10,000 |
| Estimated Savings | ₹50,000–₹80,000 | ₹40,000–₹70,000 | ₹70,000–₹1,00,000 | ₹75,000–₹1,00,000 | ₹60,000–₹90,000 |
5 Deductions That Eat Into Your 30 LPA In Hand Salary
Let’s name the five culprits that make your ₹2.5 lakh monthly CTC shrink to ₹1.8 lakh.
Deduction #1: Income Tax (TDS) — The Biggest Bite
Under the New Regime at 30 LPA, your monthly TDS is approximately ₹39,650. This is the single largest deduction and the one most people can optimize through tax planning.
Deduction #2: Employee EPF (12% of Basic)
If your basic is ₹15,000/month (capped as per PF rules in some companies) or uncapped 12% of actual basic (₹12,000+), EPF eats into monthly cash flow but builds a retirement corpus. At 50% basic: ₹12,000/month.
Deduction #3: Professional Tax
This varies by state. Karnataka and Maharashtra levy up to ₹200/month. Delhi, Haryana, and Rajasthan charge ₹0. Small but worth knowing.
Deduction #4: Gratuity (in CTC, not monthly)
Gratuity (~₹57,720/year on a ₹30 LPA structure) is included in your CTC but not paid monthly. It’s a lump sum you receive on leaving after 5+ years. It eats into CTC without adding to your monthly take-home.
Deduction #5: Employer EPF (in CTC, not your pocket)
Your employer’s EPF contribution (~₹1,44,000/year at uncapped 12% of ₹15L basic) is part of your CTC but goes to your PF account — not your bank. Many offer letters include this, inflating the “headline number.”
Conclusion
Let’s wrap this up cleanly.
The 30 LPA in hand salary in India for FY 2026-27 is approximately ₹1,80,000–₹1,84,000 per month under the New Tax Regime, and ₹1,67,000–₹1,72,000 under the Old Tax Regime.
Here are the non-negotiable facts to carry with you:
- CTC ≠ In-Hand. Your ₹30 LPA offer divides to ₹2.5 lakh/month on paper, but your bank sees ₹1.75L–₹1.84L.
- New Tax Regime wins at 30 LPA for most professionals — saving ₹1,71,600/year over the Old Regime unless your total deductions exceed ₹5.17 lakh.
- The annual tax on 30 LPA in hand salary after tax is ₹4,75,800 under New Regime (effective rate: 15.9%).
- TCS 30 LPA in hand salary on fixed pay is approximately ₹1,75,000–₹1,82,000/month; variable pay tops it up quarterly.
Read More:
Frequently Asked Questions
1. What is 30 LPA in hand salary per month in 2026?
The 30 LPA in hand salary per month is approximately ₹1,80,000–₹1,84,000 under the New Tax Regime (FY 2026-27) and ₹1,67,000–₹1,72,000 under the Old Tax Regime. The exact figure depends on your salary structure, employer PF policy, and which state you work in (professional tax varies).
2. How much is 30 LPA in hand salary after tax under the New Regime?
Under the 30 LPA in hand salary new tax regime, total annual income tax is ₹4,75,800 (after a ₹75,000 standard deduction). This works out to a monthly TDS of ~₹39,650. Your annual in-hand post-tax and all deductions is approximately ₹21,68,000–₹21,76,000.
3. What is TCS 30 LPA in hand salary?
TCS 30 LPA in hand salary on the fixed component comes to approximately ₹1,75,000–₹1,82,000 per month. TCS structures a portion of CTC as variable pay (paid quarterly), so monthly fixed credits are slightly lower than other companies that front-load fixed pay. Variable pay months will see your bank credit jump to ₹2.2–₹2.8 lakh.
4. Is the New Tax Regime always better for a 30 LPA in hand salary?
For most people earning 30 LPA in hand salary in India, yes — the New Tax Regime saves ₹1,71,600 per year compared to the Old Regime. The Old Regime becomes better only if your total deductions (HRA + 80C + 80D + home loan interest) cross ₹5.17 lakh in a year, which requires very specific circumstances like a large home loan in a metro city.
5. What is CTC 30 LPA in hand salary vs the actual monthly take-home?
CTC 30 LPA in hand salary means your Cost to Company is ₹30 lakh per year — but that includes employer-side costs like Employer EPF (₹1,44,000/year) and Gratuity (~₹57,720/year) which don’t hit your bank monthly. Your gross payslip salary is approximately ₹2,33,190/month, and after all deductions, the actual monthly in-hand is ₹1,80,000–₹1,84,000.
For more detailed information about salaries, income, and earnings across different professions, you can also check out our salary-focused resource, Salary Batao.
