city comparison

Bengaluru vs Hyderabad salary — same CTC, real in-hand

If you're weighing a job in Bengaluru against one in Hyderabad at the same CTC, the take-home difference is smaller than most people expect. Under the new tax regime, the only thing that changes between two Indian cities at the same CTC is professional tax — a difference of a couple of hundred rupees a month. The real decision is cost of living, especially rent. This page shows both: the exact in-hand gap from the tax engine, and the context that actually moves the needle.

New regime · FY 2025-26 · standard 40% basic · PF on · figures are illustrative

Last reviewed June 2026 · verified against incometax.gov.in

Higher in-hand

Bengaluru

₹1,13,387/mo

₹13,60,644/yr · 92% take-home

Karnataka levies professional tax of ₹200/month (₹2,400/year).

Hyderabad

₹1,13,380/mo

₹13,60,560/yr · 92% take-home

Telangana levies professional tax of ₹200/month (₹2,400/year) at this income.

Bengaluru pays ₹7/month more in-hand (Bengaluru · ₹15 LPA).

Side-by-side breakdown

Metric	Bengaluru	Hyderabad
Headline CTC	₹15 LPA	₹15 LPA
Monthly in-hand	₹1,13,387	₹1,13,380
Annual in-hand	₹13,60,644	₹13,60,560
Take-home %	92%	92%
Income tax / month	₹7,813	₹7,812
Employee PF / month	₹1,800	₹1,800
Professional tax / month	₹200	₹208

The verdict

At the same CTC, Bengaluru and Hyderabad produce near-identical monthly in-hand under the new regime — the only statutory difference is professional tax, which is broadly similar across the two states. The meaningful difference is cost of living: Hyderabad's rents and daily costs typically run lower than Bengaluru's, so the same in-hand stretches further. If you're choosing on money alone, compare rent and commute, not take-home.

Under the new regime, city changes take-home only through professional tax — at most a couple of hundred rupees a month between Indian metros.
If you claim HRA exemption under the old regime, the city matters more: metro (50%) vs non-metro (40%) HRA rules and your actual rent change the exemption. Both Bengaluru and Hyderabad are treated as metros for HRA only in limited cases — check the HRA guide.
Cost of living, not tax, is the real Bengaluru-vs-Hyderabad variable. The same ₹15 LPA in-hand buys noticeably more housing in Hyderabad than in central Bengaluru.

Run your own numbers

Plug in the exact CTC from your offer letter to see your real monthly in-hand.

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Salary

CTC → real monthly in-hand. Both tax regimes, any Indian city, line by line. The numbers you see here are computed in this tab.

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monthly in-hand

₹1,13,387

from ₹15.0L CTC · take-home of 92%

Basic₹6,00,000

HRA₹3,00,000

− Income tax−₹93,756

− Employee PF−₹21,600

new regime · FY 25–26 · standard ded ₹75k

Frequently asked

Is in-hand salary higher in Bengaluru or Hyderabad?

At the same CTC, the monthly in-hand is almost identical in both cities under the new tax regime — the only difference is professional tax, which is broadly the same in Karnataka and Telangana. Neither city has a meaningful take-home advantage on the same package.

Does the city affect my income tax in India?

No. Income tax is levied centrally and does not depend on which city you work in. The only city-dependent salary deduction is professional tax, a small state levy capped at ₹2,500/year. Under the old regime, your city can affect your HRA exemption (metro vs non-metro), but that is about rent, not a different tax rate.

Should I choose a job by salary or cost of living?

Since the same CTC gives nearly the same in-hand in both cities, cost of living — primarily rent — is the deciding financial factor. A ₹15 LPA package leaves more disposable income in Hyderabad than in central Bengaluru simply because housing and daily costs are typically lower.

FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in · last reviewed June 2026. Salary bands shown are typical illustrative figures — your offer may differ.