“People usually get blown away when they read ‘Package of Salary 9 LPA (Lakhs Per Annum)’. But the in-hand salary (also referred to as take-home pay), the one you get in your bank account every month, is lesser because your income undergoes tax deductions, provident fund (PF) cuts and other treatable things.
In this post, we will understand 9 LPA in hand salary, components that contributes to your in-hand salary and deductions that are there on the same along with monthly take home. Let’s break it down for the people or wolves in the cheap seats.
What Does 9 LPA Mean?
LPA is short for Lakhs Per Annum or cost to company offered to you by the employer.
So, 9 LPA = ₹9,00,000 a year (CTC or Cost to Company).
This total includes:
- Basic Salary
- House Rent Allowance (HRA)
- Dearness Allowance (DA)
- Provident Fund (PF) contribution
- Gratuity
- Performance bonuses and other benefits
Some caveats here: Not all of this money goes directly into your bank account. The in-hand salary is the total income in hand after deduction of such amounts.
9 LPA Salary Structure (Approximation)
You can go through the following tentative breakup for a 9 LPA CTC in new tax regime for FY 2024–25:
| Salary Component | Annual Amount (₹) | Monthly Amount (₹) |
|---|---|---|
| Basic Salary | 4,50,000 | 37,500 |
| House Rent Allowance (HRA) | 1,80,000 | 15,000 |
| Leave Travel Allowance (LTA) | 40,000 | 3,333 |
| Special Allowances | 1,50,000 | 12,500 |
| Provident Fund (Employer + Employee) | 86,400 | 7,200 |
| Bonus / Performance Incentives | 93,600 | 7,800 |
| Total CTC | ₹9,00,000 | ₹75,000 |
Read More: 30 LPA In Hand Salary / 8 Lakh Per Annum in Month
Deductions From 9 LPA Salary
So to calculate your in-hand salary we need to deduct the below deductions.
| Deduction Type | Approx Annual (₹) | Monthly (₹) |
|---|---|---|
| Employee PF Contribution | 43,200 | 3,600 |
| Professional Tax (varies by state) | 2,400 | 200 |
| Income Tax (as per regime) | 36,000 – 60,000 | 3,000 – 5,000 |
| Health Insurance / Other deductions | 6,000 | 500 |
| Total Deductions | ₹87,600 – ₹1,10,000 | ₹7,300 – ₹9,200 |
9 LPA In Hand Salary Calculation (2025)
Here is how your in-hand salary looks like after all the deductions:
| Details | Amount (₹) |
|---|---|
| Gross Monthly Salary | 75,000 |
| Total Deductions | 7,300 – 9,200 |
| Net In-hand Salary | ₹65,800 – ₹67,700/month |
Similarly, in case you make 9 LPA, then your monthly take-home salary will be around ₹65.000 – 68.000 rounded off of course depends on the city in which you are located and tax regime and other benefits provided by your employer if any.
9 LPA In Hand Salary in Different Cities
Your real income also depends on the cost of living. Here is an approximate comparison for 9 LPA in hand salary after taxes and other expenses on various Indian cities:
| City | In-Hand Salary (₹) | Living Cost (Approx ₹/month) | Savings (₹) |
|---|---|---|---|
| Bengaluru | 66,000 | 35,000 – 45,000 | 20,000 – 30,000 |
| Mumbai | 65,000 | 40,000 – 50,000 | 15,000 – 25,000 |
| Delhi NCR | 67,000 | 30,000 – 40,000 | 25,000 – 35,000 |
| Pune | 67,500 | 25,000 – 35,000 | 30,000 – 40,000 |
| Hyderabad | 68,000 | 25,000 – 35,000 | 30,000 – 40,000 |
9 LPA Salary Under Old vs New Tax Regime
| Particulars | Old Tax Regime | New Tax Regime |
|---|---|---|
| Total Annual Income | ₹9,00,000 | ₹9,00,000 |
| Standard Deduction | ₹50,000 | ₹50,000 |
| Taxable Income | ₹8,50,000 | ₹8,50,000 |
| Tax Payable (approx) | ₹60,000 | ₹46,800 |
| In-Hand Salary (monthly) | ₹65,000 | ₹67,000 |
If you do not have many exemptions (like HRA, investments), the new tax regime may give you slightly higher in-hand pay.
9 LPA Salary for Freshers vs Experienced Professionals
| Experience Level | Typical Job Role | In-Hand Salary (₹/month) |
|---|---|---|
| Fresher (0–1 year) | Analyst / Developer Trainee | 63,000 – 65,000 |
| Mid-Level (2–4 years) | Software Engineer / Consultant | 66,000 – 68,000 |
| Experienced (5+ years) | Senior Engineer / Team Lead | 68,000 – 70,000 |
Your take-home salary may also differ based on the company policy and performance incentives.
Factors Affecting In-Hand Salary
- Tax Regime Selected – Take Home pay impacted by Old v/s New regime.
- City of Employment – HRA may be higher in Metro cities but expenses also tend to soar.
- Bonuses / Variable Pay – These need not be a part of the regular salary paid on a monthly basis.
- Company Policy – Some companies put 11, 12 or more percent in PF which means less take home, but also less to worry about for the long term.
- Insurance & other benefits (If any): As per corporate norms will be deducted from salary.
How to Increase Your In-Hand Salary
- Choose New Tax Regime if you do not take a lot of exemptions.
- Save Tax – Invest plugin as described in 80C (PF, ELSS, NPS).
- Bargain down the Variable Pay for better fixed pay.
- Don’t miss out on HRA, LTA and Professional Allowances.
- Get a head start on Your Taxes for better savings.
Comparison – 9 LPA vs Other Salary Packages
| CTC (LPA) | In-Hand Salary (₹/month) |
|---|---|
| 5.5 LPA | 42,000 – 44,000 |
| 7 LPA | 52,000 – 55,000 |
| 9 LPA | 65,000 – 68,000 |
| 12 LPA | 85,000 – 90,000 |
| 15 LPA | 1,05,000 – 1,10,000 |
Conclusion
9 LPA is also a decent salary in India for middle level experienced IT and finance professionals. But after taxes and benefits, your 9 LPA in-hand salary would roughly be something like ₹65,000–₹68,000 per month.
Careful planning when it comes to your taxes, investing and paying attention to the anatomy of your paycheck can help you increase real income and enhance fiscal stability.
FAQs
Q1. What is the in-hand salary for 9 LPA in India?
The in-hand salary for 9 LPA usually ranges between ₹65,000 and ₹68,000 per month after tax and PF deductions.
Q2. How much tax is deducted from 9 LPA?
Approximately ₹45,000 to ₹60,000 per year is deducted as income tax, depending on the chosen tax regime.
Q3. What is the annual take-home salary for 9 LPA?
The annual take-home salary comes to around ₹7.8 – ₹8.1 lakhs after deductions.
Q4. Is 9 LPA a good salary in India?
Yes, 9 LPA is a very good salary, especially for professionals with 2–5 years of experience in metro cities.
Q5. How much will I save monthly with a 9 LPA salary?
Depending on your expenses and city, you can save around ₹20,000 – ₹35,000 per month.
