1CTC to In-Hand Salary Calculator
Based on FY 2025-26 new tax regime, EPF Act & professional tax rules.
Enter your total CTC in Lakhs Per Annum (e.g. 6 = ₹6 LPA)
Enter your CTC above to see your take-home breakdown.
2Average Fresher Salary by Role — Bangalore
Data sourced from 2025-26 placement reports and offer letters.
| Role | Salary Range (LPA) | Est. In-Hand / mo |
|---|---|---|
| Software Engineer | ₹5–8 LPA | ₹52,167/mo |
| Data Analyst | ₹4–7 LPA | ₹43,833/mo |
| Product Manager | ₹6–10 LPA | ₹63,258/mo |
| Business Analyst | ₹4.5–7 LPA | ₹45,917/mo |
| DevOps Engineer | ₹5–9 LPA | ₹56,333/mo |
| UI/UX Designer | ₹3.5–6 LPA | ₹37,583/mo |
| Digital Marketing | ₹3–5.5 LPA | ₹33,517/mo |
| Core / Mechanical | ₹3–5 LPA | ₹31,533/mo |
| Electrical Engineer | ₹3–5.5 LPA | ₹33,517/mo |
| Finance Analyst | ₹4–7 LPA | ₹43,833/mo |
* In-hand estimates are for Bangalore after EPF, professional tax & income tax (new regime). Actual figures may vary by company structure.
3Is Your Offer Good?
Compare your offer against market benchmarks for your role and city.
Market Range for Software Engineer in Bangalore
₹5–8 LPA
Avg: ₹6.5 LPA
Enter your offer amount to get your verdict.
?Frequently Asked Questions
How is CTC different from in-hand salary?
CTC (Cost to Company) is the total annual expenditure a company makes on an employee, including basic salary, allowances, PF contributions, gratuity, and other benefits. In-hand (take-home) salary is what you actually receive after deducting EPF (12% of basic), professional tax (~₹200/month), and income tax as per applicable slabs.
What is the income tax on a ₹5 LPA salary in India (2026)?
Under the new tax regime (FY 2025-26), a ₹5 LPA salary attracts approximately ₹0 in income tax annually after the ₹75,000 standard deduction and Section 87A rebate (full rebate for taxable income ≤ ₹7L). Most freshers earning up to ₹7 LPA pay zero income tax.
What is a good fresher salary in Bangalore?
A competitive fresher package in Bangalore (2026) for IT/Software roles is ₹5–₹8 LPA. Given the city's average monthly cost of living of ₹18,000–₹25,000, a package of ₹6 LPA or above allows comfortable savings after expenses.
How much PF is deducted from a fresher's salary?
The EPF deduction is 12% of your basic salary (typically 40% of CTC), capped at ₹1,800 per month for the employee contribution. An equivalent 12% is contributed by the employer (already included in your CTC). So for a ₹5 LPA salary, expect roughly ₹1,600–₹1,800 monthly PF deduction.
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