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₹30,000/Month Salary — In-Hand Pay & Income Tax

What a ₹30,000 per month salary (₹3,60,000 a year) actually leaves in your account, after income tax and EPF for FY 2025-26.

In-hand salary · per month
₹28,560

from a ₹30,000/month gross · after income tax & EPF

A ₹30,000 per month salary works out to ₹3,60,000 a year as CTC. On that you pay no income tax thanks to the Section 87A rebate, and ₹17,280 a year goes to EPF — leaving about ₹28,560 in hand each month.

The full breakdown

Annual CTC
₹3,60,000
Income tax (New Regime)
− ₹0
Employee EPF
− ₹17,280
Annual in-hand
₹3,42,720
Monthly in-hand
₹28,560
Effective tax rate
0.0%
Adjust for your salary structure → Full Income Tax Calculator

New vs Old Regime

At ₹30,000/month, the New Regime wins — your tax is ₹0 versus ₹0 under the Old Regime, even with a full ₹1.5 lakh 80C deduction. The figures above use the New Regime (the FY 2025-26 default).

How this is calculated

New Regime tax applies on CTC minus the ₹75,000 standard deduction across the FY 2025-26 slabs (0% to ₹4L, 5% to ₹8L, 10% to ₹12L, 15% to ₹16L, 20% to ₹20L, 25% to ₹24L, 30% above), plus 4% cess. The Section 87A rebate makes income up to about ₹12.75 lakh CTC tax-free. Employee EPF is 12% of basic salary (assumed 40% of CTC), capped at the ₹15,000/month statutory wage. Professional tax (~₹2,400/yr, varies by state) and allowances like HRA/LTA are excluded. Use the take-home calculator for your exact structure.

Frequently asked

What is the in-hand salary for ₹30,000 per month in India?
A ₹30,000/month salary is ₹3,60,000 a year (CTC). In hand you get about ₹28,560 per month (₹3,42,720/year), after income tax and ₹17,280/year employee EPF. Assumes basic is 40% of CTC.
How much tax on ₹30,000 per month salary?
On ₹30,000/month (₹3,60,000/year) under the New Regime FY 2025-26, income tax is ₹0 for the year — zero, because the Section 87A rebate covers income up to about ₹12.75 lakh.
Is the New or Old regime better here?
At ₹30,000/month, the New Regime gives ₹0 tax versus ₹0 under the Old Regime (with ₹1.5L 80C). The New Regime is the default and usually better without large deductions.

Official sources

Slabs and rebate figures are checked against the official source. Confirm your own situation before filing.

Other monthly salaries

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