27 LPA in-hand salary: how much per month?
27 LPA means a ₹27,00,000 CTC, or ₹2,25,000 a month before deductions. What reaches your bank is ₹1,66,431 to ₹1,86,189 a month in hand under the new tax regime for FY 2026-27, depending on how your PF is deducted. Income tax takes ₹25,958 a month. ₹13,500 a month goes to your PF. The full payslip is below.
Monthly in-hand
₹1,66,431
Annual take-home
₹19,97,065
Income tax a year
₹3,11,500
Under the new regime, after income tax, provident fund and professional tax.
Assumes basic pay at 50% of CTC, HRA at 50% of basic, employer PF and gratuity included in the CTC, provident fund on full basic, and Karnataka professional tax. Change any of these in the calculator, the figures move accordingly. Rules reviewed 5 October 2026.
27 LPA in hand per month: why there is a range
Two people on the same 27 LPA package can take home different amounts. The biggest reason is provident fund: some employers deduct 12% of your full basic pay, others only on the ₹15,000 statutory wage (₹1,800 a month). Variable pay and the tax regime move it too.
| Your situation | In hand a month | Tax a year |
|---|---|---|
| PF on full basic (most common) | ₹1,66,431 | |
| PF of ₹1,800 a month (wage ceiling) | ₹1,86,189 | |
| 10% of CTC paid as yearly bonus | ₹1,52,530 | |
| Old tax regime, no deductions claimed | ₹1,49,604 |
How a 27 LPA CTC is split
Indian offer letters quote cost to company, which bundles in money you never see as cash: your employer's provident fund contribution and the gratuity provision. Here is where a 27 LPA package actually goes.
| Component | Monthly | Annual |
|---|---|---|
| Basic salary | ₹1,12,500 | ₹13,50,000 |
| House rent allowance | ₹56,250 | ₹6,75,000 |
| Special allowance | ₹37,339 | ₹4,48,065 |
| Employer PF | ₹13,500 | ₹1,62,000 |
| Gratuity | ₹5,411 | ₹64,935 |
| Total CTC | ₹2,25,000 | ₹27,00,000 |
Your monthly payslip on 27 LPA
Gross pay less the three things every salaried Indian sees deducted: provident fund, professional tax and TDS.
| Line item | Monthly |
|---|---|
| Gross salary | ₹2,06,089 |
| Less: employee PF | − ₹13,500 |
| Less: professional tax | − ₹208 |
| Less: income tax (TDS) | − ₹25,958 |
| Net pay credited | ₹1,66,431 |
New regime or old regime on 27 LPA?
Claiming nothing beyond the standard deduction, the new regime leaves you ₹2,01,920 better off at this package. The old regime only wins once your HRA, 80C and 80D claims are large enough to outweigh the new regime's wider slabs.
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹23,98,070 | ₹22,70,570 |
| Income tax | ₹3,11,500 | ₹5,13,420 |
| Effective tax rate | 12.6% | 20.8% |
| Monthly in-hand | ₹1,66,431 | ₹1,49,604 |
| Annual take-home | ₹19,97,065 | ₹17,95,145 |
Questions about a 27 LPA salary
- 27 LPA means how much per month?
- 27 LPA means a CTC of ₹27,00,000 a year, which is ₹2,25,000 a month before anything is taken off. After the employer's PF and gratuity, your own PF, professional tax and income tax, ₹1,66,431 to ₹1,86,189 reaches your bank each month under the new tax regime for FY 2026-27.
- How much is 27lpa in hand salary per month?
- ₹1,66,431 to ₹1,86,189 a month. The lower figure is with PF at 12% of full basic, the higher with PF on the ₹15,000 wage ceiling (₹1,800 a month). Your employer also puts ₹13,500 a month into your PF, which is part of the CTC but never reaches your bank account.
- How much tax do I pay on 27 LPA?
- ₹3,11,500 a year, or about ₹25,958 a month deducted as TDS, under the new regime. That is an effective rate of 12.6% on your gross salary, against ₹5,13,420 under the old regime before any investment deductions.
- Is 27 LPA a good salary in India?
- That depends on your city, role and experience, which no calculator can judge for you. What it is worth is exact: ₹1,66,431 a month in hand, plus ₹3,24,000 a year building up in your PF.
- Should I pick the new or old regime on a 27 LPA package?
- With no deductions claimed, the new regime wins at 27 LPA, leaving you ₹2,01,920 better off over the year. The old regime only overtakes once your HRA, 80C, 80D and home loan claims grow large enough. The calculator shows you that break-even figure for your own numbers.