₹14 LPA in-hand salary in India
New regime · Bengaluru · FY 2025-26 · PF on
Last reviewed · verified against incometax.gov.in
Monthly salary breakdown
| Component | Amount / month |
|---|---|
| Basic salary | ₹46,667 |
| HRA | ₹23,333 |
| Special allowance | ₹44,867 |
| Employee PF (−) | −₹1,800 |
| Income tax / TDS (−) | −₹6,513 |
| Professional tax (−) | −₹200 |
| Net monthly in-hand | ₹1,06,354 |
New vs old regime
New regime saves ₹1,40,556/year at ₹14 LPA with zero deductions declared.
What ₹14 LPA actually means
₹14 LPA is where income tax stops being a rounding error and becomes a real line on your payslip. You're now clearly above the ₹12L rebate ceiling, into the 15% marginal slab, and the new regime starts deducting a few thousand rupees a month as TDS. The effective tax rate is still modest — well under 6% of gross — but this is the bracket where 'what's my take-home?' becomes a question worth actually calculating rather than estimating.
₹14 LPA is common for a 5–7 year software engineer, a senior analyst or analytics lead, a product manager at a growth-stage company, or a specialist consultant. It's a frequent post-switch landing spot and a typical ceiling for strong performers at IT-services firms before they move to product. Many people at ₹14L are weighing their first serious question about old vs new regime as their rent and investments grow.
At ₹14L, lateral switches still deliver the strongest returns — 20–30% is standard, putting ₹17–18L within reach. But you're entering the zone where total compensation matters more than base: ESOPs, joining bonuses, and retention components start showing up in offers. When you compare two offers here, normalise everything to monthly in-hand after tax (the compare tool does this) rather than trusting the headline CTC, because the structure varies wildly between a services firm, a unicorn, and an MNC.
₹14L is roughly where the old regime starts becoming defensible — but only under specific conditions. If you pay rent of ₹15,000+ a month and can claim HRA exemption, and you max out 80C (₹1.5L), the old regime can edge ahead of the new by a few thousand rupees a year. Below that rent threshold, the new regime still wins on simplicity alone. Run your actual rent and 80C numbers through the calculator above before assuming either regime is better — at this bracket the answer genuinely depends on your situation.
Personalise your number
City, PF elections, rent, and deductions all shift your take-home. Enter your actual details below.
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.
Monthly in-hand by city — ₹14 LPA
Under the new regime, city affects take-home only through professional tax. New Delhi levies zero PT; every other metro deducts ₹200–209/month.
| City | Monthly in-hand | Annual PT | vs Bengaluru |
|---|---|---|---|
| Bengaluru this page | ₹1,06,354 | ₹2,400/yr | — |
| New Delhi | ₹1,06,523 | ₹0/yr | +₹169/mo |
| Pune | ₹1,06,347 | ₹2,500/yr | −₹7/mo |
| Hyderabad | ₹1,06,347 | ₹2,500/yr | −₹7/mo |
New regime · standard 40% basic · PF capped · FY 2025-26. Old-regime HRA exemption varies further by rent paid.
Which regime wins at ₹14 LPA?
New regime wins at ₹14 LPA. Even with max 80C + NPS + 80D (₹2.5L), old regime trails by ₹62,556/year.
| Deductions claimed | Old regime/yr | New regime/yr | Winner |
|---|---|---|---|
| Zero deductions | ₹11,35,692 | ₹12,76,248 | New +₹1,40,556 |
| Max 80C (₹1.5L) | ₹11,82,492 | ₹12,76,248 | New +₹93,756 |
| 80C + NPS self (₹2L) | ₹11,98,092 | ₹12,76,248 | New +₹78,156 |
| 80C + NPS + 80D (₹2.5L) | ₹12,13,692 | ₹12,76,248 | New +₹62,556 |
Old regime figures assume zero rent. Add HRA claim and the break-even deduction threshold drops further. Use the calculator above for your exact numbers.
Old vs new regime — full breakdown & break-even calculator →
Restructuring levers at ₹14 LPA
Annual gain vs new regime baseline with no extra planning. Positive means more in-hand; negative means new regime still wins even with that lever.
| Lever | Regime | Annual gain |
|---|---|---|
| New regime optimisations | ||
| Employer NPS — 80CCD(2) Route 10% of basic (₹56,000/yr) through NPS | New regime | +₹33,156/yr |
| PF opt-out Recover ₹1,800/mo employee contribution | Either regime | +₹39,828/yr |
| Old regime scenarios vs new regime baseline | ||
| 80C max (₹1.5L) ELSS, PPF, ULIP, home loan principal | Old regime | −₹93,756/yr |
| 80C + NPS self (₹2L) ₹1.5L via 80C + ₹50K via 80CCD(1B) | Old regime | −₹78,156/yr |
| 80C + NPS + 80D (₹2.5L) Adds ₹50K health insurance (self + parents) | Old regime | −₹62,556/yr |
| HRA + 80C (rent ₹20K/mo) Metro rent declared, 80C maxed out | Old regime | −₹37,176/yr |
Old regime levers shown as net gain vs new regime with no deductions. A negative figure means new regime still wins even after that lever is pulled.
Related comparisons
See how a ₹14 LPA package stacks up in the situations people actually face.
Nearby brackets
All salary brackets, ₹3–100 LPA
FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in · last reviewed