The salary structure of the Employees is divided into 2 main categories: CTC and In-hand salary. Many of the corporate workers are confused about these two processes, like how much they will take home after all the deductions, especially in the high-paying numbers like a 30 LPA in hand salary. The 30 LPA salary package represents the milestone achievement that many professionals thought they would reach in their careers. Your CTC and in-hand salary, however, change when certain deductions are made from your 30 LPA salary structure. At this time, the big question that comes to the mind of employees is How much salary of 30 LPA will be credited in our Bank account after all the deductions? We are here with the answer to this question. In this blog, we will provide you with the complete guide on this.
What is the in-hand Salary and CTC?
Before understanding the structure of your 30 LPA in hand Salary, let’s clear your basic concept of the in-hand Salary and CTC:
1) In Hand Salary:
In-hand salary refers to the net salary or actual salary of the employee, which they receive in their bank accounts after all the deductions. It is the type of salary that remains once the taxes and other deductions are subtracted from the gross salary. The following formula can be used to determine your in-hand salary:
In-hand salary = Gross Salary- deductions.
Example Calculation of the In-hand Salary is mentioned above:
Let’s assume that your gross salary is Rs 30,00,000.
Deductions include:
- EPF (Employee Contribution): Rs 1,80,000 (calculated as 12% of basic salary; assuming basic is Rs 15,00,000)
- Professional Tax: Rs 2,500 (this may vary depending on the state)
- Income Tax (TDS): Around Rs 6,00,000 for the year (after standard deduction and tax-saving allowances)
- Other Deductions (like insurance): Rs 10,000
Total Deductions: Rs 1,80,000 + Rs 2,500 + Rs 6,00,000 + Rs 10,000 = Rs 7,92,500
2) After these deductions:
Now apply the formula of the In-hand salary to your Annual in-hand salary.
Annual In-hand Salary: Rs 30,00,000 – Rs 7,92,500 = Rs 22,07,500
Monthly In-hand Salary: 22,07,500 / 12 = Rs 1,83,958
So, after covering taxes and contributions, you’ll actually get an in-hand salary of approximately Rs 1,83,958 per month.
3) CTC Salary:
Cost to Company, or CTC, is the entire amount of money a business spends on an employee over the course of a year. It includes the salary and the other expenses of an employee, such as the Provident Fund, bonuses, insurance, and other benefits or perks that were included in the employee’s salary package. It doesn’t include the employee’s in-hand salary.
The formula to calculate the CTC is mentioned above:
CTC= Gross Salary + other Benefits (PF + Bonus + Medical Insurance Premiums)
Various Components of the CTC Salary Structure:
- Basic Salary- The basic salary is the backbone of your pay structure. It usually makes up around 40% to 50% of your total CTC and stays fixed. Other benefits like provident fund and gratuity are also calculated in this amount.
- Allowances- Next come the allowances, which are extra amounts given by the employer to meet different expenses. Some are taxable, while others may get tax exemptions. Common types include:
- House Rent Allowance (HRA): Helps you manage rental expenses and is partly tax-free, depending on the city you live in.
- Dearness Allowance (DA): Mostly offered in government jobs to balance out rising inflation.
- Leave Travel Allowance (LTA): Covers travel expenses when you go on leave, with certain tax benefits.
- Medical Allowance: Supports medical expenses for you and your family, with tax perks if bills are submitted.
- Conveyance Allowance: Meant for your daily travel from home to work.
- Special Allowances: Extra amounts added to adjust your CTC, but these are fully taxable.
30 LPA In Hand Salary Structure: A Complete Breakdown
After understanding the 30 LPA in hand Salary Structure is mentioned below:
| Salary Component | Annual Salary | Monthly Salary |
| Gross Salary (CTC) | Rs 30,00,000 | Rs 2, 50,000 |
| Employee PF (12%) | Rs 3,60,000 | Rs 30,000 |
| Professional Tax | Rs 2,400 | Rs 200 |
| Old Regime of Income Tax | Rs 5,85,000 | Rs 48,750 |
| In-Hand Salary According to the Old Regime | Rs 20,52,600 | Rs 1,71,050 |
| New Regime of Income Tax | Rs 6,75,000 | Rs 56,250 |
| In-Hand Salary According to the New Regime | Rs 19,62,600 | Rs 1,63,550 |
So the employee will get Rs 1.55-1.65 lakhs total in-hand salary from the 30 LPA package.
Please note that all these calculations are approximate estimates of the 30 LPA in hand salary. However, this may vary depending on the company’s terms and policies.
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New Income Tax Regime For 30 LPA In Hand Salary For FY 2025-26
In the Union Budget announced in 2025, some of the changes in the new tax slab and the rates were introduced. The tax limit has been enhanced from 3 lakhs to 4 lakhs, and the tax rate of 25% to 30% was also introduced.
The following is a new tax regime for the 30 LPA in hand salary for the Financial Year 2025-26:
| Income Tax Slabs | Income Tax Rate |
| Up to Rs 4 Lakhs | NIL |
| Rs 4 Lakhs-8 Lakhs | 5% |
| Rs 8 Lakhs-12 Lakhs | 10% |
| Rs 12 Lakhs-16 Lakhs | 15% |
| Rs 16 Lakhs-20 Lakhs | 20% |
| Rs 20 Lakhs-24 Lakhs | 25% |
| Above 24 Lakhs | 30% |
The rebate limit, according to section 87A, is Rs 25,000, which results in zero tax liability for the annual salary up to Rs 7 lakhs. However, the new tax regime has raised the maximum rebate to Rs 60,000 for income received in the 2025–2026 financial year. It means that the taxpayers with their annual income up to Rs 12 Lakhs will have 0 tax liability.
Old Tax Regime Vs New Tax Regime: Solving the Dilemma
In this section, we will discuss the benefits given to the taxpayers in the Old Regime vs the New Tax Regime. Here is the differentiation:
1) Old Tax Regime Benefits under 30 LPA:
- Standard deduction of Rs 50,000 will be applicable for salaried persons.
- HRA exemptions were 50% if you live in a rented house.
- Leave Travel Allowances (LTA) for travel expenses are applied according to the rules.
- Rs 1.5 lakhs of the payments and investments, such as PF, Life Insurance, and Home Loan Principal, can be covered under section 80C.
- Up to Rs 25,000 of the Health Insurance Premiums are covered under Section 80D.
- Under Section 80G, 50% or 100% deductions from the salary for donations to the charities, depending on the office policy.
- Up to Rs 2 Lakhs per year will be deducted from the salary of the taxpayers for the home loan interest under section 24B.
2) New Tax Regime Benefits under 30 LPA:
- Standard deduction in the salary will be increased up to Rs 75,000 for the salaried persons.
- 10% of the salary deduction is still allowed under the Employer Contribution to the NPS, which comes under the section 80 CCD (2).
- Under the new tax policy, taxpayers are free to pay the tax for the Employer’s Contribution to EPF/Superannuation.
- Taxpayers are also free to pay the tax for HRA, LTA, Home Loan Interest, 80C, and 80D.
Factors affecting your In-Hand Salary?
The factors that affect your 30 LPA in hand Salary are as follows:
- Choosing the Right Tax Regime- The Old Tax Policy vs the New Tax Policy can create a difference of thousands of rupees in your in-hand salary. So, choose wisely.
- HRA Benefits- If you live in a rented house due to the different office locations, then you can get House Rent Allowance benefits through HRA exemption. Your taxable income reduces automatically.
- Different Investments and Tax Planning- Taxpayers can use the deductions mentioned under sections 80C, 80D, and other sections, which benefit them from the tax-paying and increase their in-hand salary.
- Provident Fund and Retirement Contributions- These types of reductions in your salary are good for long-term goals, but will decrease your present-in-hand salary.
- Variable Pay- It is a type of salary structure that is performance-based. If your portion of salary is performance-linked, then your in-hand salary per month.
Deductions and Tax Relief in the 30 LPA Salary:
Various Deductions and Tax Relief in the 30 LPA salary are as follows:
| Particulars | Various Deductions and Tax Benefits |
| Health Insurance Premiums (under the section 80D) | You can save the taxes by paying health insurance premiums. For yourself, your spouse, and your dependent children, claim Rs 25,000. If you have senior citizens in your house, then you can claim Rs 50,000. |
| Education Loan (under section 80E) | The interest you pay for the Education loan will be deducted from your income for 8 years. This covers the loan taken for your children, yourself, and your spouse, etc. |
| Donation to the Charity (under Section 80G) | Donations to the charities will reduce your 50% or 100% of the tax deductions, depending on your organisation’s policy. |
| Investing your money in tax-saving options (under Section 80C) | You can get a tax benefit up to Rs 1,50,000 by investing your money in the following tax-saving options: Employee Provident Fund (EPF)Public Provident Fund (PPF) Sukanya Smriddhi Yojana Home Loan Repayment and Stamp DutyEquity Linked Saving Scheme Funds (ELSS)Fixed Deposit (FD) for 5 years. |
| Cost to treat the Disabled Persons (under Section 80DD) | If you have disabled persons in your home, for whom you bear their medical expenses, then you are eligible for the tax relaxation: Persons with 40% disability- Rs 75,000 of tax relaxationPersons with 80% or more disabled- Rs 1,25,00 of tax relaxation |
| Deductions on the home loan payments | You can claim up to Rs 1.5 lakhs principal amount under Section 80C, and up to Rs 2 Lakhs for the interest amount under Section 24B. |
| The maturity amount of a life insurance policy | The maturity amount of a life insurance policy is tax-free, provided the premium is not more than a certain % of the sum assured (20%, 10% or 15% depending on issue date and conditions). |
How to Reach the 30 LPA Salary?
Reaching the milestone of a 30 LPA salary is quite a difficult task, but not impossible. You need to improve your skills, make the right career choices, and follow consistent growth to reach this milestone. Here is a list of some right paths that take you on the journey of earning a 30 LPA Salary:
- Management Consulting Firms- Some companies, like McKinsey, BCG, and Bain, pay a salary package up to or above 30 LPA for consultants. So, you can try your luck in these firms, so that you can get the salary package of 30 LPA.
- Investment Banking- This is one of the highest-paying career paths, where professionals deal with financial markets, mergers, and acquisitions. The workload is intense and the hours are long, but the rewards are huge. With performance bonuses, salaries in investment banking can easily cross the 30 LPA mark, making it a dream field for many finance enthusiasts.
- Tech Industry- Working in top tech companies like Google, Amazon, or Microsoft can be extremely rewarding. Senior software engineers, solution architects, and product managers not only get competitive base salaries but also enjoy perks like stock options and performance bonuses, which leads them to a salary package of 30 LPA.
- Data Science and AI- With businesses becoming data-driven, specialists in Machine Learning and Artificial Intelligence are in high demand. Their expertise helps companies make smarter decisions and build futuristic products, which is why they are offered handsome packages that often reach this salary range.
- Entrepreneurship- Starting your own venture is always risky, but it can be equally rewarding. Founders and even the early employees of successful startups often see their earnings soar past 30 LPA, especially when the business scales or attracts funding.
Current and Frequently Looked-For LPA Pay in 2025
| Annual Salary (LPA – Lakh per Annum) | Monthly Salary Range (INR) | Yearly Salary Range (INR) |
| 1 LPA in Hand Salary | ₹7,600 – 8,300 | ₹91,600 – 1,00,000 |
| 1.5 LPA in Hand Salary | ₹11,500 – 12,500 | ₹1,38,600 – 1,50,000 |
| 2 LPA in Hand Salary | ₹15,500 – 16,600 | ₹1,85,600 – 1,97,600 |
| 2.3 LPA in Hand Salary | ₹17,817 – 19,100 | ₹2,13,000 – 2,27,600 |
| 3 LPA in Hand Salary | ₹23,300 – 25,000 | ₹2,79,600 – 2,97,600 |
| 3.8 LPA in Hand Salary | ₹29,500 – 31,400 | ₹3,54,800 – 3,77,600 |
| 3.9 LPA in Hand Salary | ₹30,350 – 32,300 | ₹3,64,200 – 3,87,600 |
| 4 LPA in Hand Salary | ₹31,100 – 33,133 | ₹3,73,600 – 3,97,600 |
| 4.5 LPA in Hand Salary | ₹30,000–₹32,000 | ₹3,60,000- 3,80,000 |
| 5 LPA in Hand Salary | ₹38,900 – 41,400 | ₹4,67,600 – 4,97,600 |
| 5.5 LPA in Hand Salary | ₹42,800 – 45,600 | ₹5,14,600 – 5,47,600 |
| 6 LPA in Hand Salary | ₹45,500 – 49,800 | ₹5,61,600 – 5,97,600 |
| 7 LPA in Hand Salary | ₹51,000 – 54,600 | ₹6,12,000 – 6,55,200 |
| 8 LPA in Hand Salary | ₹57,200 – 62,400 | ₹6,87,400 – 7,49,600 |
| 8.5 LPA in Hand Salary | ₹60,400 – 66,384 | ₹7,24,800 – 7,96,600 |
| 9 LPA in Hand Salary | ₹63,600 – 70,300 | ₹7,63,200 – 8,43,600 |
| 9.2 LPA in Hand Salary | ₹64,900 – 71,800 | ₹7,74,800 – 8,62,400 |
| 9.5 LPA in Hand Salary | ₹66,800 – 73,700 | ₹8,00,000 – 8,84,900 |
| 9.6 LPA in Hand Salary | ₹67,400 – 74,400 | ₹8,08,000 – 8,93,000 |
| 9.8 LPA in Hand Salary | ₹68,700 – 75,700 | ₹8,24,400 – 9,09,000 |
| 10 LPA in Hand Salary | ₹70,000 – 77,000 | ₹8,40,000 – 9,25,000 |
| 11 LPA in Hand Salary | ₹76,300 – 76,300 | ₹9,15,600 – 10,05,000 |
| 11.5 LPA in Hand Salary | ₹79,300 – 87,100 | ₹9,51,600 – 10,45,300 |
| 12 LPA in Hand Salary | ₹82,000 – 90,400 | ₹9,84,000 – 10,85,400 |
| 13 LPA in Hand Salary | ₹87,600 to 97,100 | ₹10,51,200 to 11,65,800 |
| 13.5 LPA in Hand Salary | ₹90,300 to 1,00,400 | ₹10,83,600 to 12,05,700 |
| 14 LPA in Hand Salary | ₹93,100 to 1,03,800 | ₹11,17,200 to 12,45,800 |
| 15 LPA in Hand Salary | ₹98,600 to 1,10,500 | ₹11,83,200 to 13,26,000 |
| 16 LPA in Hand Salary | ₹1,04,100 to 1,17,100 | ₹12,49,200 to 14,06,200 |
| 16.5 LPA in Hand Salary | ₹1,06,900 to 1,20,500 | ₹12,82,800 to 14,46,800 |
| 17 LPA in Hand Salary | ₹1,09,700 to 1,23,700 | ₹13,16,400 to 14,84,400 |
| 17.5 LPA in Hand Salary | ₹1,12,400 to 1,26,700 | ₹13,48,800 to 15,21,000 |
| 18 LPA in Hand Salary | ₹1,15,200 to 1,29,800 | ₹13,82,400 to 15,57,700 |
| 19 LPA in Hand Salary | ₹1,20,700 to 1,35,900 | ₹14,48,400 to 16,31,000 |
| 20 LPA in hand salary | ₹1,26,200 to 1,42,000 | ₹15,14,400 to 17,04,300 |
FAQS:
1) What will be the 30 LPA in Hand Salary Per Month?
In a 30 LPA in hand salary, the per month salary of an employee will be more than Rs. 1.80 lakhs after all the deductions.
2) Is 30 Lakh Per Annum a Good Salary?
Yes, 30 lak per annum is a good salary structure in India, especially for those who have good industrial experience.
3) How Much Tax for a 30 LPA Salary?
According to the new tax regime, 30% tax is applicable for the 30 LPA Salary holders.
4) Which Tax Regime is Better for the 30 LPA Salary Holders?
The new tax regime is beneficial for the 30 LPA salary holders, as it offers various exemptions and deductions from the salary.