1 LPA Salary In Hand (India 2025-26)

Complete breakdown of ₹1,00,000 CTC package

Monthly In-Hand

₹6,876

Take-home per month

Annual In-Hand

₹82,508

82.5% of CTC

Annual CTC

₹1,00,000

1 Lakhs Per Annum

CTC Components

Basic Salary₹50,000

HRA₹25,000

Special Allowance₹16,595

Employer PF₹6,000

Gratuity₹2,405

Total CTC₹1,00,000

Deductions

Income Tax₹0

Employee PF₹6,000

Professional Tax₹2,400

Not in Monthly Pay₹8,405

Total Deductions₹17,492

Key Facts About 1 LPA Salary

💰 Monthly Breakdown

• Gross Monthly: ₹7,633
• Monthly Tax: ₹0
• Monthly PF: ₹500
• Take Home: ₹6,876

📊 Tax Information

• Tax Regime: New Tax Regime (2025-26)
• Taxable Income: ₹16,595
• Effective Tax Rate: 0.0%
• Standard Deduction: ₹75,000

🏠 Entry-Level Lifestyle: What 1 LPA Actually Means

💳 Monthly Budget Breakdown

Rent: ₹8,000 - ₹12,000 (shared accommodation/PG)
Food & Groceries: ₹5,000 - ₹8,000
Transport: ₹2,000 - ₹3,000 (public transport)
Savings: ₹3,000 - ₹5,000
Lifestyle: ₹3,000 - ₹5,000 (entertainment, shopping)

👤 Suitable For

• Fresh graduates
• Career starters
• Interns converting to full-time

Career Stage: Foundation building phase - focus on learning and skill development

🏡 Housing

Shared apartments, PG accommodations, or living with family

🚗 Vehicle

Public transport, shared cabs, or a second-hand two-wheeler

✈️ Vacations

Weekend getaways, budget trips within India

🏙️ City Affordability with 1 LPA

Metro Cities:

Challenging - need to share accommodation and budget carefully

Tier-2 Cities:

Manageable - can afford basic comforts independently

Tier-3 Cities:

Comfortable - can live well with savings potential

Typical Roles at 1 LPA: Associate, Trainee, Junior Executive, Support Staff

Investment Capacity: Can start SIPs of ₹2,000-₹5,000 monthly

Understanding 1 LPA In-Hand Salary

If you have been offered a 1 LPA (Lakhs Per Annum) package, your actual monthly in-hand salary will be approximately ₹6,876. This is calculated after deducting Income Tax, Provident Fund (PF), Professional Tax, and accounting for components like Gratuity that are not part of monthly salary.

How is 1 LPA In-Hand Calculated?

Your CTC of ₹1,00,000 is broken down into multiple components:

Basic Salary: ₹50,000 (approximately 50% of CTC)
HRA: ₹25,000 (50% of Basic for metro cities)
Special Allowance: ₹16,595
Employer PF: ₹6,000 (12% of Basic)
Gratuity: ₹2,405 (paid after 5 years)

Deductions from 1 LPA Salary

The following amounts are deducted from your gross salary:

Income Tax: ₹0 annually under New Tax Regime
Employee PF: ₹6,000 (12% of Basic)
Professional Tax: ₹2,400 (varies by state)

Is 1 LPA a Good Salary in India?

A 1 LPA salary is a decent entry-level package in India for 2026. With a monthly in-hand of ₹6,876, you can maintain a modest lifestyle in most Indian cities.