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Coming SoonAccurate monthly take-home, income tax, PF, and old vs new regime comparison for 21 Lakh annual in India. Figures based on standard deductions and FY 2024-25 tax slabs.
Est. In-Hand
₹1,35,508
per month
Annual CTC
₹21,00,000
Monthly CTC
₹1,75,000
PF Deduction
₹21,000
Monthly Tax
₹17,825
In-Hand Monthly
₹1,35,508
Tax Regime Comparison
Which regime saves you more tax on 21 Lakh annual?
In-hand: ₹1,36,175/mo · Effective rate: 10.2%
In-hand: ₹1,35,508/mo · Effective rate: 10.6%
Potential Tax Saving
Choose Old Regime to save this much
₹8,000
Salary Structure
Methodology
For a 21 Lakh annual salary, in-hand pay is derived by subtracting employee PF (12% of monthly salary), income tax (based on chosen regime and deductions), and professional tax from the gross CTC. The new tax regime uses a flat standard deduction of ₹75,000 with no other deductions. The old tax regime allows 80C (up to ₹1.5L), NPS (₹50K), HRA, and 80D deductions.
FAQ
In-hand salary for 21 LPA is estimated after PF contributions (12% of basic), income tax deductions, and standard exemption of ₹75,000. We compare old and new tax regimes to show the most tax-efficient take-home salary.
Yes. This page provides both old and new regime tax estimates so you can see exactly which regime results in lower tax liability for your salary bracket.
The estimate includes employee PF (12% of monthly salary), standard deduction of ₹75,000, HRA assumptions based on 20% of monthly salary, 80C investments up to ₹1.5 lakh, and NPS contribution of ₹50,000.
PF (Provident Fund) is mandatory for employees with basic salary up to ₹15,000/month in India. For higher salaries, PF contribution is optional but commonly continued at 12% of basic salary.
The better regime depends on your actual deductions. New Regime is simpler with lower slab rates. Old Regime benefits those with significant 80C, HRA, and NPS deductions. Use our comparison above to find your optimal regime.
Key Numbers
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₹1,75,000
₹2,21,900
₹2,52,000
Compare how tax liability changes between regimes and uncover the option that gives you more take-home pay.
Potential savings
₹8,000
Savings reflect the best regime for this salary profile based on estimated deductions.
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