₹15 LPA in-hand salary: your real monthly take-home
₹15 LPA is the bracket where old vs new stops being obvious. The new regime still edges it for most people — giving about ₹1,10,819 a month — but by the smallest margin of any income at this level. With a large enough deduction stack, the old regime can pull ahead.
At ₹15 LPA the new regime wins — but by only about ₹2,242 a month. Claim more than ₹5,29,331 in deductions and the old regime pulls ahead.
- New regime · monthly in-hand
- ₹1,10,819
- Old regime · monthly in-hand
- ₹1,08,577
- New regime · income tax + cess
- ₹88,503
- Old regime · income tax + cess
- ₹1,15,404
Old vs new at ₹15 LPA: closer than you think
Here the two regimes almost meet. The new regime gives about ₹1,10,819 a month; the old regime, ₹1,08,577 — a gap of just ₹2,242 a month. That's small enough that your personal deductions decide it.
The tipping point: you'd need to claim more than about ₹5,29,331 in total deductions — 80C, 80D, HRA exemption and any home-loan interest combined — for the old regime to win. If you rent in a metro and have a home loan, that's reachable; if not, the new regime stays ahead. The dedicated old-vs-new page for ₹15 lakh works through the break-even in detail.
Try it with your exact numbers
Pre-filled for a ₹15 LPA CTC in a metro city with ₹25,000/mo rent. Change anything to match your own package.
Helps old-regime HRA exemption
New regime puts ₹2,242 more in your pocket every month.
Salary breakup · per year
₹57,675 of your CTC is employer contributions & benefits — real value, but never a monthly bank credit.
Old vs New, side by side
| Metric | Old | New |
|---|---|---|
| Taxable income | ₹9,92,325 | ₹13,67,325 |
| Income tax + cess | ₹1,15,404 | ₹88,503 |
| Annual in-hand | ₹13,02,921 | ₹13,29,822 |
| Monthly in-hand | ₹1,08,577 | ₹1,10,819 |
How we calculate this
- Basic = 50% of CTC; HRA = 50% of Basic; PF capped at ₹1,800/mo (statutory ceiling); Gratuity = 4.81% of Basic. Change these under “Match your offer letter”.
- Employee PF (₹1,800/mo) is deducted from your salary.
- New regime: ₹75,000 standard deduction, FY 2026-27 slabs, no other exemptions.
- Old-regime estimate assumes full ₹1.5L under 80C, ₹25K under 80D, plus HRA exemption from the rent you entered. Flexible-benefit / reimbursement exemptions (RFB, LTA, food, telephone) aren’t counted unless you add them under “Match your offer letter”.
- 4% health & education cess and ₹200/month professional tax applied.
Tax rules: Budget 2026 retained FY 2025-26 slabs unchanged. Verified against Income Tax Dept (incometax.gov.in) & ClearTax, July 2026. Updated 2026-07-02.
Estimates only — not tax or financial advice. Your actual pay depends on your company’s exact salary structure and your declared investments. Verify with a professional before deciding.
Frequently asked questions
Is 15 LPA a good salary in India?
- ₹15 LPA is a very good salary in India, typically mid-to-senior individual-contributor level. Your in-hand is about ₹1,10,819 a month under the new regime on standard assumptions.
How much tax do I pay on 15 LPA?
- About ₹88,503 a year under the new regime. The old regime comes to roughly ₹1,15,404 even after maxing your deductions — so the new regime is slightly cheaper for most people at this income.
What is the monthly in-hand for 15 LPA?
- Around ₹1,10,819 per month under the new regime (metro, standard CTC components). The old regime gives about ₹1,08,577 — very close.
Is old or new regime better at 15 LPA?
- The new regime wins by only about ₹2,242 a month, so it's the closest call of any bracket. The old regime overtakes it only if you can claim more than about ₹5,29,331 in total deductions.
Other salaries and tools
Estimates only — not tax or financial advice. Your actual pay depends on your company’s exact salary structure and your declared investments. Tax rules: Budget 2026 retained FY 2025-26 slabs unchanged. Verified against Income Tax Dept (incometax.gov.in) & ClearTax, July 2026.