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21 capabilities · One intelligent operations platform

Modern HRCentralize employee records, attendance, leave and everyday HR operations.Shift ManagementPlan schedules, manage shifts and coordinate workforce coverage.Payroll & CompensationOrganize payroll workflows, salary records and compensation processes.OffBoardingStreamline employee exits, clearances and handovers.Appreciation & RewardsRecognize achievements and celebrate employee contributions.Performance ManagementTrack goals, reviews, feedback and employee performance.
Lead ManagementCapture opportunities, manage pipelines and follow up with prospects.Talent AcquisitionManage job openings, candidates, interviews and recruitment.Staffing & PlacementsCoordinate resource placement, assignments and staffing delivery.Business PartnersMaintain connected client, vendor and partner relationships.CollaborationKeep teams aligned through shared communication and workflows.
Work ManagementOrganize projects, tasks, timesheets and team responsibilities.Financial ManagementTrack invoices, expenses, payments and financial workflows.Asset ManagementMonitor equipment, licenses and assets across teams.Risk & ComplianceSupport policy management, governance and compliance tracking.Role & PermissionsControl user access with configurable roles and permissions.
Multi-BranchCoordinate business operations across companies and branches.Reports & AnalyticsTurn operational data into dashboards, reports and KPIs.LettersCreate and manage business and employee documents.E-SignaturesSimplify document approvals and electronic signing workflows.SupportManage internal requests, support tickets and issue resolution.
✦ From hiring and workforce planning to project delivery, payroll and insights.Explore TalBoard
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Products — 21 capabilities

People & Workforce

Modern HRCentralize employee records, attendance, leave and everyday HR operations.Shift ManagementPlan schedules, manage shifts and coordinate workforce coverage.Payroll & CompensationOrganize payroll workflows, salary records and compensation processes.OffBoardingStreamline employee exits, clearances and handovers.Appreciation & RewardsRecognize achievements and celebrate employee contributions.Performance ManagementTrack goals, reviews, feedback and employee performance.

Sales & Talent

Lead ManagementCapture opportunities, manage pipelines and follow up with prospects.Talent AcquisitionManage job openings, candidates, interviews and recruitment.Staffing & PlacementsCoordinate resource placement, assignments and staffing delivery.Business PartnersMaintain connected client, vendor and partner relationships.CollaborationKeep teams aligned through shared communication and workflows.

Operations & Control

Work ManagementOrganize projects, tasks, timesheets and team responsibilities.Financial ManagementTrack invoices, expenses, payments and financial workflows.Asset ManagementMonitor equipment, licenses and assets across teams.Risk & ComplianceSupport policy management, governance and compliance tracking.Role & PermissionsControl user access with configurable roles and permissions.

Finance & Governance

Multi-BranchCoordinate business operations across companies and branches.Reports & AnalyticsTurn operational data into dashboards, reports and KPIs.LettersCreate and manage business and employee documents.E-SignaturesSimplify document approvals and electronic signing workflows.SupportManage internal requests, support tickets and issue resolution.
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TALBOARD / FREE INDIA CTC & IN-HAND SALARY CALCULATOR

India Salary Calculator 2026–27: CTC to In-Hand Pay

Calculate your monthly take-home salary, salary structure, income tax under old and new regimes, EPF, HRA, gratuity, professional tax and employer CTC — with a live salary breakup and PDF report.

✓ FY 2026–27✓ Old vs New Tax Regime✓ CTC to In-Hand✓ EPF & Gratuity✓ Download PDF
YOUR SALARY DETAILS

Build your India salary package

Enter your CTC and adjust the salary structure. Results update instantly on the right.

● LIVE ESTIMATED MONTHLY IN-HAND₹0

01 Salary and location

CTC is not take-home pay. In CTC mode, employer PF, gratuity and employer benefits are allocated within your package.

02 · Provident Fund & gratuity Customize ▾

The September 2026 EPF ceiling is ₹25,000/month. Eligibility, employer EPS allocation, ESI applicability and gratuity rules vary. Insurance inputs are manual.

03 · HRA, deductions and tax planning Customize ▾

Professional tax is an editable estimate, not automatically computed from state-specific schedules. 80C/80D and HRA apply only in the old-regime estimate. NPS is treated as a separately eligible deduction; verify limits.

04 · Advanced payroll settings Customize ▾

Increment is a scenario adjustment applied to salary input. Actual monthly TDS, bonus timing, surcharge and specialized income may differ.

● LIVE INDIA SALARY PREVIEW · FY 2026–27

Estimated monthly in-hand salary

₹0
Updated automatically as you change inputs
Annual CTC₹0
Annual gross earnings₹0
Income tax / year₹0
Employer PF / year₹0
Take-homeTaxOther deductions

Salary earnings breakdown

Employee deductions

CTC / employer contributions

Old vs new tax regime

Generated by TalBoard
www.talboard.com · HRMS, Payroll & Business Management

Illustrative salary planning tool. Tax estimate assumes ordinary salary income, standard deduction and basic rebate rules; it is not a substitute for payroll processing or tax advice. Review state PT, PF/ESI eligibility, surcharge and statutory limits with a professional.

HOW INDIA SALARY WORKS

Understand CTC, gross salary and in-hand pay

Cost to Company (CTC) represents an employer's estimated annual employment cost. Gross salary is your salary before employee-side deductions. In-hand salary is the amount received after income-tax withholding, employee EPF, professional tax and other payroll deductions.

CTC to in-hand calculator

Convert annual CTC into gross pay and monthly take-home salary after employee and employer contributions.

Old vs new income tax

Estimate both tax regimes side by side using FY 2026–27 income-tax slabs and selected deductions.

EPF and retirement

Model employee and employer provident fund contributions, the revised wage ceiling and gratuity provisions.

Salary breakup

Review basic pay, house rent allowance, special allowance, bonus and employer contributions.

Professional tax

Enter state-specific professional tax deductions manually for a closer salary estimate.

Download salary report

Export a structured PDF showing CTC, monthly pay, taxes, salary components and TalBoard branding.

FY 2026–27 GUIDE

India income tax slabs, PF and salary deductions

The new income-tax regime uses slab rates of 0% up to ₹4 lakh, 5% from ₹4–8 lakh, 10% from ₹8–12 lakh, 15% from ₹12–16 lakh, 20% from ₹16–20 lakh, 25% from ₹20–24 lakh, and 30% above ₹24 lakh. The rebate for eligible resident individuals can reduce tax to zero up to ₹12 lakh of qualifying taxable income, subject to applicable restrictions and marginal relief.

The old tax regime uses different slabs and may allow HRA exemption and eligible investments/deductions. The tool also models employee EPF at a configurable percentage and includes the updated ₹25,000 EPF wage ceiling effective September 2026. Actual payroll calculations depend on employee eligibility, employment terms, applicable laws, state professional-tax rules and income classification.

Explore TalBoard HRMS and payroll management for employee records, attendance, payroll workflows and finance operations.

Official references: Income Tax Department tax rates · Budget 2026 FAQs · EPF ceiling revision.

FREQUENTLY ASKED QUESTIONS

India CTC and take-home salary calculator FAQs

How much is my in-hand salary for ₹12 LPA CTC?

It depends on your basic salary, employer PF, gratuity, income-tax regime, professional tax and other deductions. Enter ₹12,00,000 in the calculator to see an estimated monthly breakup.

What is the difference between CTC and gross salary?

CTC may include employer PF, gratuity provisions and employer benefits. Gross salary excludes those employer-side components and is calculated before employee-side deductions.

Does the calculator compare old and new tax regimes?

Yes. It estimates income tax under both regimes using the entered income and eligible deduction assumptions.

Can I include HRA, 80C and 80D deductions?

Yes. HRA exemption and eligible 80C and 80D amounts are considered in the old-regime estimate only.

What is the EPF wage ceiling in 2026?

The wage ceiling was revised to ₹25,000 per month effective September 17, 2026. Actual contribution treatment depends on scheme eligibility and employer arrangements.

Does the calculator cover every Indian state?

All states and union territories can be selected. Professional tax must be entered manually because state-specific rates and exemptions differ.

Can I download my salary breakup?

Yes. Use Download PDF Report to save a salary and tax summary with TalBoard branding.

Manage payroll beyond calculations.

Automate HR operations, attendance, employee records, payroll workflows and finance with TalBoard.

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