TCS vs Infosys fresher salary — in-hand compared
Both TCS and Infosys hire engineering freshers in huge volumes, and their offer letters look similar on the surface — but the headline CTC hides what actually lands in your bank account. This page compares a typical TCS fresher package against a typical Infosys one, converting both to monthly in-hand under the new tax regime (FY 2025-26). Numbers are representative of common 2024-25 campus bands; your exact offer may differ, so use the calculator to plug in your real CTC.
New regime · FY 2025-26 · standard 40% basic · PF on · figures are illustrative
Last reviewed · verified against incometax.gov.in
TCS Ninja lands near ₹3.36–3.6 LPA; the Digital / Prime cadre is where ₹7 LPA offers appear. We model the higher Digital band here.
Infosys Systems Engineer sits around ₹3.6–4.5 LPA; the Power Programmer / Specialist Programmer track is where ₹9–9.5 LPA offers appear. We model the Specialist band here.
Infosys (SE / Power Programmer) pays ₹20,834/month more in-hand (Infosys (SE / Power Programmer) · ₹9.5 LPA).
Side-by-side breakdown
| Metric | TCS (Ninja / Digital) | Infosys (SE / Power Programmer) |
|---|---|---|
| Headline CTC | ₹7 LPA | ₹9.5 LPA |
| Monthly in-hand | ₹54,533 | ₹75,367 |
| Annual in-hand | ₹6,54,396 | ₹9,04,404 |
| Take-home % | 96% | 97% |
| Income tax / month | ₹0 | ₹0 |
| Employee PF / month | ₹1,800 | ₹1,800 |
| Professional tax / month | ₹200 | ₹200 |
The verdict
When you compare the top entry bands, an Infosys Specialist/Power Programmer offer at ₹9.5 LPA materially out-earns a TCS Digital offer at ₹7 LPA in monthly take-home — both still sit at or near the zero-to-low income-tax zone under the new regime, so almost the entire gap flows straight to in-hand. At the base Ninja vs Systems Engineer bands (both ~₹3.4–4.5 LPA), the two are effectively identical and tax-free.
- At both these CTCs the new regime's 87A rebate keeps income tax at or near zero — so the CTC gap converts almost fully to take-home, with PF and professional tax the only deductions.
- The 'cadre' you're hired into (Ninja vs Digital at TCS; SE vs Power Programmer at Infosys) matters far more than the company name. Always compare like-for-like cadres, not company averages.
- Variable / retention components and service-agreement bonds differ between the two — read the offer letter for the bonded amount and the variable payout history, not just the CTC.
Run your own numbers
Plug in the exact CTC from your offer letter to see your real monthly in-hand.
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.
Frequently asked
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Related
FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in · last reviewed . Salary bands shown are typical illustrative figures — your offer may differ.