India › ₹15 lakh

₹15 lakh salary: in-hand per month (FY 2026–27)

A ₹15 lakh annual salary gives about ₹1,09,175 in hand per month under the new regime in FY 2026–27 — ₹13,10,100 a year after ₹97,500 income tax, ₹90,000 employee PF and ₹2,400 professional tax. Under the old regime with ₹1.5 lakh in 80C it is ₹99,812 per month (₹2,09,851 tax).

Your pay

Gross salary (CTC minus employer PF)
₹
Tax regime
Basic salary (% of gross)
Professional tax / yr
Old-regime deductions
80C (incl. PF, max 1.5L)
HRA exempt / other

FY 2026–27 (AY 2027–28): new regime slabs 0–30%, ₹75,000 standard deduction, zero tax up to ₹12 lakh taxable income (rebate), 4% cess. Old regime: ₹50,000 standard deduction, 80C, HRA.

In-hand salary

87.3%Take-home
₹1,09,175
in-hand salary a month
from a gross of ₹1,25,000
Effective tax rate 6.7%Marginal rate 15.6%Total deductions ₹99,900
Income tax 6.5%Professional tax 0.2%Deductions 6.0%Take-home 87.3%
LineMonthlyYearly
Gross pay₹1,25,000₹15,00,000
Income tax (new regime, incl. 4% cess)−₹8,125−₹97,500
Employee PF (12% of basic)−₹7,500−₹90,000
Professional tax−₹200−₹2,400
In-hand salary₹1,09,175₹13,10,100

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Frequently asked

How much tax on ₹15 lakh salary?

₹97,500 a year under the new regime (including 4% cess), ₹2,09,851 under the old regime with full 80C.

₹15 lakh per annum is how much per month?

₹1,25,000 gross per month; about ₹1,09,175 in hand after tax, PF and professional tax.