1. What is In-Hand Salary?

In-hand salary is the actual amount an employee receives after all deductions from the Cost to Company (CTC). For a ₹30,000 CTC, deductions typically include income tax, provident fund (PF), and professional tax.

2. How is In-Hand Salary Calculated?

The calculator uses the following equation:

Where:

• 30,000 — Cost to Company (CTC) in INR
• Income Tax — Tax deducted based on income tax slabs
• PF — Employee's contribution to Provident Fund (typically 12% of basic salary)
• Professional Tax — State-specific tax (usually ₹200/month)

3. Components of Salary Deduction

Income Tax: Calculated based on current tax slabs. For ₹30,000 CTC, often falls in the no-tax or lowest tax bracket.
Provident Fund (PF): Employee contributes 12% of basic salary (part of CTC).
Professional Tax: Varies by state (typically ₹200/month in most states).

4. Using the Calculator

Tips: Enter all deduction amounts in INR. The calculator will subtract these from ₹30,000 CTC to show your in-hand salary.

5. Frequently Asked Questions (FAQ)

Q1: What is typically the in-hand salary for ₹30,000 CTC?
A: Typically ₹25,000-₹28,000 depending on deductions. Exact amount varies based on tax regime chosen and state professional tax.

Q2: Is PF mandatory for ₹30,000 salary?
A: Yes, if the company has 20+ employees. Employee contributes 12% of basic salary (minimum ₹1,800 if basic is ₹15,000 or more).

Q3: How much income tax for ₹30,000 CTC?
A: Under new tax regime, often zero tax. Under old regime, depends on investments and exemptions claimed.

Q4: Which states have highest professional tax?
A: Karnataka (₹200/month), Maharashtra (₹200/month), West Bengal (up to ₹208/month).

Q5: Can I get full ₹30,000 as in-hand salary?
A: No, some deductions like PF and professional tax are mandatory. Only variable deductions like income tax can be minimized.