🇮🇳 India · FY 2026-27 · new regime

₹18 lakh salary — in-hand pay FY 2026-27

A ₹18 lakh salary leaves ₹16,49,200 a year in hand under the new regime for FY 2026-27 — about ₹1,37,433 a month before PF. Income tax including cess: ₹1,50,800 (8.4% effective rate).

CHECKED Tax year 2026–27 verified 2026-09-23 2 primary sources next review 2026-12-15
₹18 lakh CTC breakdown — new regime
Line Yearly Monthly —
Gross salary (CTC) ₹18,00,000 ₹1,50,000 —
Standard deduction −₹75,000 — —
Income tax + 4% cess −₹1,50,800 −₹12,567 —
In-hand (before PF) ₹16,49,200 ₹1,37,433 —
You keepIncome tax + cess

What this means in practice

You keep 91.6% of every rupee at this level — light by international standards. Compare the same package in the UK or Germany, where comparable salaries lose 25–45% to tax and social contributions.

← ₹15 lakh₹18 lakh₹20 lakh →Any salary →

Common questions

What is the in-hand salary for ₹18 lakh CTC in FY 2026-27? +

About ₹1,37,433 a month before PF. Income tax under the new regime comes to ₹1,50,800 a year (8.4% effective), leaving ₹16,49,200 annually.

How much tax on ₹18 lakh under the new regime? +

₹1,50,800 including 4% cess, computed on taxable income of ₹17,25,000 (after the ₹75,000 standard deduction) through the FY 2026-27 slabs.

Does this include PF and surcharge? +

No — EPF depends on your basic-salary structure (typically 12% of basic), so subtract your monthly PF for the bank-credit figure. Surcharge only applies above ₹50 lakh taxable income.

Sources & method. Income-tax Act 2025 applies from 1 April 2026; section 202 covers the new regime and section 156 covers the rebate. New-regime slab rates match the prior FY structure, but the tax-year terminology and law changed. Resident salary up to ₹12.75L can yield zero slab tax after a ₹75,000 standard deduction and rebate, excluding special-rate income. Marginal relief applies just above ₹12L taxable. Surcharge, EPF and other deductions are excluded by default.
  1. Income Tax Department — Budget 2026 FAQs, tax year 2026–27 slabs, rebate and salary deduction
  2. Income Tax Department — Finance Bill 2026 memorandum, 4% cess
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APA

WorldCalculators.org. (2026, June 13). ₹18 Lakh In-Hand Salary FY 2026-27 — ₹1,37,433/month. https://worldcalculators.org/salary/in/1800000-in-hand/

MLA

“₹18 Lakh In-Hand Salary FY 2026-27 — ₹1,37,433/month.” WorldCalculators.org, 13 June 2026, worldcalculators.org/salary/in/1800000-in-hand/.

BibTeX

@misc{worldcalculators2026salaryin1800000inhand,
  title        = {₹18 Lakh In-Hand Salary FY 2026-27 — ₹1,37,433/month},
  author       = {{WorldCalculators.org}},
  year         = {2026},
  howpublished = {\url{https://worldcalculators.org/salary/in/1800000-in-hand/}}
}

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