₹30 LPA in-hand salary in India
New regime · Bengaluru · FY 2025-26 · PF on
Monthly salary breakdown
| Component | Amount / month |
|---|---|
| Basic salary | ₹1,00,000 |
| HRA | ₹50,000 |
| Special allowance | ₹98,200 |
| Employee PF (−) | −₹1,800 |
| Income tax / TDS (−) | −₹39,026 |
| Professional tax (−) | −₹200 |
| Net monthly in-hand | ₹2,07,174 |
New vs old regime
New regime saves ₹2,49,600/year at ₹30 LPA with zero deductions declared.
What ₹30 LPA actually means
₹30 LPA places you in the top 1% of formally employed Indian earners. Monthly in-hand crosses ₹1.75 lakh under the new regime and can touch ₹1.85 lakh with employer NPS restructuring. The tax bill is now ₹5–6L per year and worth genuine planning — not just filing. At this bracket, how your salary is structured (basic ratio, NPS routing, LTA and medical components) can mean a difference of ₹20,000–40,000 in annual take-home, making a conversation with a CA or a salary restructuring review worthwhile.
Common profiles: a Staff or Principal engineer at a well-funded startup or a FAANG-adjacent company, a VP or senior director at a Series C/D company, a senior product leader (Head of Product at a mid-size company), a 15-year finance or strategy professional at an MNC, or a specialist in fields like data science, ML infrastructure, or security with 10+ years. At this level, your total compensation package — including equity, bonus, and perks — is usually 1.5–2x your declared CTC.
At ₹30L, the comp conversation has shifted from 'base salary' to 'total compensation design'. Push for quarterly or annual performance bonuses to be structured as separate agreements — not bundled into CTC where they dilute your fixed pay perception. If you're being offered a significant ESOP grant, ask for the last 409A/valuation report and the cap table summary: a ₹30L ESOP grant at 1x liquidation preference in a company with ₹100Cr of preference shares stacked above you is worth far less than the notional number suggests.
₹30L is where salary restructuring has its highest ROI. Employer NPS (80CCD(2)) can shield ₹1.8–2.4L of income from tax at your marginal rate — that's ₹36,000–60,000/year saved. Combine this with a lower basic:HRA ratio in a metro city and declared rent, and you can structure down to a materially lower taxable income. The catch: you need your employer's HR and payroll team to support flexible CTC structuring, which is standard at large companies but rare at early-stage startups.
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 — ₹30 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 | ₹2,07,174 | ₹2,400/yr | — |
| New Delhi | ₹2,07,312 | ₹0/yr | +₹138/mo |
| Pune | ₹2,07,169 | ₹2,500/yr | −₹5/mo |
| Hyderabad | ₹2,07,169 | ₹2,500/yr | −₹5/mo |
New regime · standard 40% basic · PF capped · FY 2025-26. Old-regime HRA exemption varies further by rent paid.
Which regime wins at ₹30 LPA?
New regime wins at ₹30 LPA. Even with max 80C + NPS + 80D (₹2.5L), old regime trails by ₹1,71,600/year.
| Deductions claimed | Old regime/yr | New regime/yr | Winner |
|---|---|---|---|
| Zero deductions | ₹22,36,488 | ₹24,86,088 | New +₹2,49,600 |
| Max 80C (₹1.5L) | ₹22,83,288 | ₹24,86,088 | New +₹2,02,800 |
| 80C + NPS self (₹2L) | ₹22,98,888 | ₹24,86,088 | New +₹1,87,200 |
| 80C + NPS + 80D (₹2.5L) | ₹23,14,488 | ₹24,86,088 | New +₹1,71,600 |
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.
Restructuring levers at ₹30 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 (₹1,20,000/yr) through NPS | New regime | +₹37,440/yr |
| PF opt-out Recover ₹1,800/mo employee contribution | Either regime | +₹36,456/yr |
| Old regime scenarios vs new regime baseline | ||
| 80C max (₹1.5L) ELSS, PPF, ULIP, home loan principal | Old regime | −₹2,02,800/yr |
| 80C + NPS self (₹2L) ₹1.5L via 80C + ₹50K via 80CCD(1B) | Old regime | −₹1,87,200/yr |
| 80C + NPS + 80D (₹2.5L) Adds ₹50K health insurance (self + parents) | Old regime | −₹1,71,600/yr |
| HRA + 80C (rent ₹20K/mo) Metro rent declared, 80C maxed out | Old regime | −₹1,65,360/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.
Other brackets
FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in