₹24 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 | ₹80,000 |
| HRA | ₹40,000 |
| Special allowance | ₹78,200 |
| Employee PF (−) | −₹1,800 |
| Income tax / TDS (−) | −₹23,855 |
| Professional tax (−) | −₹200 |
| Net monthly in-hand | ₹1,72,345 |
New vs old regime
New regime saves ₹2,44,452/year at ₹24 LPA with zero deductions declared.
What ₹24 LPA actually means
₹24 LPA is the exact hinge point of the new regime — the line where the top 30% marginal slab begins. Below it you're taxed at 25%; every rupee above it meets the full 30% rate plus cess. The effective rate is around 12% of gross, and from here upward, tax grows faster than gross, so each additional lakh of CTC delivers progressively less to your bank account. It's a top-tier salary that marks your formal entry into India's highest income-tax band.
₹24 LPA is common for senior staff engineers, engineering and product directors, analytics or data science leaders, and senior specialists at product companies and well-funded startups. In finance, consulting, and law it reflects established senior or leadership tenure. It's a salary that signals real seniority and scope — the people here typically own teams, products, or significant business lines, not just individual deliverables.
At ₹24L, you're at a level where compensation is negotiated as a package and benchmarked against the market for senior leaders. Base raises are partly taxed away at 30%, so equity, sign-on bonuses, and level become the high-leverage asks. When weighing a startup offer against an MNC, separate the guaranteed cash from the ESOP entirely — at this income the temptation to count contingent equity as real salary is strong and frequently a mistake. Anchor on cash you'd accept regardless of the equity outcome.
Crossing into the 30% slab makes pre-tax structuring more valuable than at any lower bracket, because every rupee you can legitimately move out of taxable income now saves 30 paise plus cess. Employer NPS (80CCD(2)) is the cleanest lever and works under the new regime. Beyond that, how your CTC is split between fixed cash, employer PF, and NPS starts to matter for take-home. The regime table above will still favour the new regime unless your deduction stack is exceptionally large — but the gap narrows, so it's worth checking with your real numbers.
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 — ₹24 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 | ₹1,72,345 | ₹2,400/yr | — |
| New Delhi | ₹1,72,493 | ₹0/yr | +₹148/mo |
| Pune | ₹1,72,339 | ₹2,500/yr | −₹6/mo |
| Hyderabad | ₹1,72,339 | ₹2,500/yr | −₹6/mo |
New regime · standard 40% basic · PF capped · FY 2025-26. Old-regime HRA exemption varies further by rent paid.
Which regime wins at ₹24 LPA?
New regime wins at ₹24 LPA. Even with max 80C + NPS + 80D (₹2.5L), old regime trails by ₹1,66,452/year.
| Deductions claimed | Old regime/yr | New regime/yr | Winner |
|---|---|---|---|
| Zero deductions | ₹18,23,688 | ₹20,68,140 | New +₹2,44,452 |
| Max 80C (₹1.5L) | ₹18,70,488 | ₹20,68,140 | New +₹1,97,652 |
| 80C + NPS self (₹2L) | ₹18,86,088 | ₹20,68,140 | New +₹1,82,052 |
| 80C + NPS + 80D (₹2.5L) | ₹19,01,688 | ₹20,68,140 | New +₹1,66,452 |
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 ₹24 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 (₹96,000/yr) through NPS | New regime | +₹24,960/yr |
| PF opt-out Recover ₹1,800/mo employee contribution | Either regime | +₹37,584/yr |
| Old regime scenarios vs new regime baseline | ||
| 80C max (₹1.5L) ELSS, PPF, ULIP, home loan principal | Old regime | −₹1,97,652/yr |
| 80C + NPS self (₹2L) ₹1.5L via 80C + ₹50K via 80CCD(1B) | Old regime | −₹1,82,052/yr |
| 80C + NPS + 80D (₹2.5L) Adds ₹50K health insurance (self + parents) | Old regime | −₹1,66,452/yr |
| HRA + 80C (rent ₹20K/mo) Metro rent declared, 80C maxed out | Old regime | −₹1,52,724/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 ₹24 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