Cost of Living & Take-Home Pay Analysis

Ahmedabad vs Delhi NCR (New Delhi) Salary Comparison

Detailed in-hand take-home comparison for FY 2026-27. Understand HRA tax differences, state professional tax slabs, and real purchasing power after rent.

HRA Status (Ahmedabad)

Non-Metro (40% Basic)

Standard non-metro deduction

HRA Status (Delhi NCR (New Delhi))

Metro (50% Basic)

Higher tax exemption under Old Regime

Average 1BHK Rent (Ahmedabad)

₹14,000/mo

Cost Index: 72 (vs BLR 100)

Average 1BHK Rent (Delhi NCR (New Delhi))

₹20,000/mo

Cost Index: 105 (vs BLR 100)

Take-Home Pay Across CTC Brackets (FY 2026-27)

Calculated under New Tax Regime with standard PF, gratuity, and state professional taxes.

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Annual CTC	Ahmedabad (Monthly In-Hand)	Delhi NCR (New Delhi) (Monthly In-Hand)	Difference (Annual)	Rent-Adjusted Advantage
₹8 LPA	₹56,863	₹57,063	+₹2,400 in Delhi NCR (New Delhi)	Ahmedabad (+₹5,800/mo savings)
₹12 LPA	₹85,395	₹85,595	+₹2,400 in Delhi NCR (New Delhi)	Ahmedabad (+₹5,800/mo savings)
₹18 LPA	₹1,18,134	₹1,18,334	+₹2,400 in Delhi NCR (New Delhi)	Ahmedabad (+₹5,800/mo savings)
₹25 LPA	₹1,56,134	₹1,56,334	+₹2,400 in Delhi NCR (New Delhi)	Ahmedabad (+₹5,800/mo savings)
₹35 LPA	₹2,04,451	₹2,04,651	+₹2,400 in Delhi NCR (New Delhi)	Ahmedabad (+₹5,800/mo savings)

Detailed 12 LPA Benchmark Comparison

Comparing a standard ₹12,00,000 package between Ahmedabad and Delhi NCR (New Delhi).

AhmedabadGujarat

Annual CTC₹12,00,000

Basic Salary (50%)₹6,00,000

HRA Allowance₹2,40,000

Employee PF (12%)-₹72,000

Professional Tax (Annual)-₹2,400

Income Tax (New Regime)₹0

Monthly In-Hand₹85,395

Average 1BHK Rent~₹14,000

Net After Rent₹71,395

Delhi NCR (New Delhi)Delhi

Annual CTC₹12,00,000

Basic Salary (50%)₹6,00,000

HRA Allowance₹3,00,000

Employee PF (12%)-₹72,000

Professional Tax (Annual)-₹0

Income Tax (New Regime)₹0

Monthly In-Hand₹85,595

Average 1BHK Rent~₹20,000

Net After Rent₹65,595

Old Tax Regime HRA Impact: Delhi NCR (New Delhi) is classified as a Metro city under Section 10(13A), granting an HRA exemption of up to 50% of Basic salary. In contrast, Ahmedabad receives up to 40% of Basic salary. If you opt for the Old Tax Regime and pay substantial rent, working in Delhi NCR (New Delhi) can provide up to ₹60,000 more in annual tax-exempt deductions.

Living & Working in Ahmedabad

Vibrant financial and industrial center with GIFT City emerging as an offshore fintech hub.
Non-metro HRA bracket (40% of basic under Old Regime).
Professional tax capped at ₹200/month.
Excellent civic infrastructure and low living expenses relative to compensation.

Living & Working in Delhi NCR (New Delhi)

National capital region offering abundant public sector, consulting, and corporate headquarters.
Metro HRA status (50% of basic under Old Regime).
Zero Professional Tax (Delhi does not levy state professional tax on salaried workers).
Proximity to corporate hubs in Connaught Place, South Delhi, and Aerocity.

Other Comparisons Involving Ahmedabad

Ahmedabad vs Bangalore (Bengaluru) →Ahmedabad vs Mumbai →Ahmedabad vs Hyderabad →Ahmedabad vs Chennai →Ahmedabad vs Pune →Ahmedabad vs Kolkata →

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