While a 30 LPA (Lakh Per Annum) package sounds great on paper, it’s the in-hand salary that counts — the money you actually see hitting your bank account at the end of each month after paying all taxes and deductions.
In this article, we will simplify the 30 LPA in hand salary india (with deductions) and also break it down to monthly take-home and let’s see how your location can change these figures based on company policies.
What Does 30 LPA Mean?
“30 LPA” implies that your CTC (per annum) is ₹30,00,000.
That number accounts for all that your employer spends on you — including:
- Basic Salary
- House Rent Allowance (HRA)
- Provident Fund (PF)
- Gratuity
- Performance Bonus
- Insurance Benefits, etc.
But you do not receive all of this in direct income. Some chunks are shaved off for taxes, contributions to retirement or deferred bonuses.
30 LPA In Hand Salary – Monthly Breakdown
Average in-hand Monthly Salary for 30 LPA CTC Generation Here, depending on the company policy and tax regime recall that old regime can take away more than new one, one with 30 LPA CTC generates an in hand around ₹1.6 lakh to ₹1.9 lakh each month.
Here is a sample breakdown to help you understand it better :
| Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| Basic Salary | 12,00,000 | 1,00,000 |
| House Rent Allowance (HRA) | 6,00,000 | 50,000 |
| Special Allowances | 6,00,000 | 50,000 |
| Provident Fund (Employer + Employee) | 3,60,000 | 30,000 |
| Performance Bonus | 2,40,000 | – (paid quarterly or yearly) |
| Total CTC | 30,00,000 | — |
Now let us find out the in-hand amount after tax and PF deductions.
30 LPA In Hand Salary After Tax (New Regime 2025)
Let’s consider the dampeners first (under the old tax regime, you were allowed to claim several exemptions that are no longer available under the new one).
| Details | Amount (₹) |
|---|---|
| Gross Income | 30,00,000 |
| Standard Deduction | 75,000 |
| Taxable Income | 29,25,000 |
| Income Tax (as per slabs) | 5,37,000 |
| Health & Education Cess (4%) | 21,480 |
| Total Tax Payable | 5,58,480 |
| Employee PF Deduction | 1,80,000 |
| Net In-Hand (Yearly) | 22,61,520 |
| Net In-Hand (Monthly) | ₹1,88,460 (approx.) |
So, in the new set up, the 30 LPA in hand salary also works out to be at around ₹1.85 lakh pm.
30 LPA In Hand Salary After Tax (Old Regime)
If you opt for old regime and consider deductions like HRA, 80C (PF, LIC, ELSS), 80D (medical insurance) with this hat on it will help ease your tax liability — though not by much.
| Details | Amount (₹) |
|---|---|
| Gross Income | 30,00,000 |
| Exemptions & Deductions (Approx.) | 3,00,000 |
| Taxable Income | 27,00,000 |
| Income Tax (as per old slabs) | 4,98,600 |
| Cess (4%) | 19,944 |
| Total Tax Payable | 5,18,544 |
| Employee PF Deduction | 1,80,000 |
| Net In-Hand (Yearly) | 22,01,456 |
| Net In-Hand (Monthly) | ₹1,83,454 (approx.) |
That difference is tiny, but the old regime can do some good if you benefit from exemptions for investments and rent.
30 LPA Monthly Salary in Different Indian Cities
The net salary also depends on cost of living in your cilty.
Here’s a simple comparison:
| City | Approx. In-Hand (₹/Month) | Estimated Living Cost (₹/Month) | Savings (₹/Month) |
|---|---|---|---|
| Bengaluru | 1,85,000 | 75,000 | 1,10,000 |
| Mumbai | 1,85,000 | 90,000 | 95,000 |
| Delhi | 1,85,000 | 80,000 | 1,05,000 |
| Hyderabad | 1,85,000 | 65,000 | 1,20,000 |
| Pune | 1,85,000 | 70,000 | 1,15,000 |
| Chennai | 1,85,000 | 65,000 | 1,20,000 |
Though your 30 LPA in hand salary remains largely uniform across cities, the net savings vary according to how expensive or cheaper place you’re living in.
30 LPA Salary in Hand for Different Company Structures
Companies have varying salary structures — some are high fixed pay, others are high bonuses.
Here’s how the in-hand varies:
| Company Type | Fixed Pay (%) | Variable Pay (%) | In-Hand (₹/Month) |
|---|---|---|---|
| Product-based (e.g., Microsoft, Google) | 80% | 20% | ₹1.9 Lakh |
| Service-based (e.g., Infosys, TCS) | 70% | 30% | ₹1.75 Lakh |
| Startups | 60% | 40% | ₹1.6 Lakh |
So, the greater your fixed component, the higher your monthly take-home.
Factors Affecting 30 LPA In Hand Salary
Your final in-hand salary may be impacted due to a variety of reasons:
- Tax System: Old vs New system Will impact net pay up to ₹3,000–₹5,000 Per month.
- Variable Pay: Performance bonuses are not paid out every month.
- Place: Cities such as Mumbai are expensive.
- Benefits and Perks: Meal coupons/medical insurance/ESOPs You think these might not seem like increasing your net benefit.
- PF and Gratuity Contributions: Deductions here but they work for long term savings.
Is 30 LPA a Good Salary in India?
Yes, a package of 30 LPA is great in India and makes you part of the top 5%.
You don’t have to save and skrimp if you’re smart with your money.
Here is what your life might look like:
| Expense Category | Approx. Monthly Spend (₹) |
|---|---|
| Rent & Utilities | 40,000 |
| Food & Groceries | 20,000 |
| Transportation | 10,000 |
| Entertainment & Travel | 10,000 |
| Savings & Investments | 60,000 |
| Miscellaneous | 15,000 |
| Total | ₹1,55,000 |
You can still bank 30,000-40,000 savings monthly with a fancy lifestyle.
How Much is 30 LPA in Hand Per Month After All Deductions?
In simple words:
➡️ 30 LPA CTC = around ₹1.8 - ₹1.9 Lakh in-hand Per Month (after tax, pf and deductions).
This number can vary depending on the company you work for and your location, but it will provide a realistic idea of what you’ll take home.
Conclusion
A 30 LPA package might seem huge on paper, but the in-hand salary can vary depending on how your CTC is divided and the tax regime you opt for.
Broadly speaking, you can expect to take home approximately ₹1.85 lakhs a month – this is more than adequate to lead a cushy lifestyle in just about any metro city in India.
Always, before adoring any offer, I hope there will be a salary breakup that you will keep as the first curtain raiser to really understand the in hand pay from your future employer and not just CTC.
FAQs
Q1. What is the in-hand salary for 30 LPA in India?
A. The in-hand salary for a 30 LPA package in India is around ₹1.8 to ₹1.9 lakh per month after tax and PF deductions.
Q2. Does 30 LPA mean CTC or in-hand?
A. 30 LPA refers to the CTC (Cost to Company), which includes your basic salary, allowances, PF, bonuses, and other benefits.
Q3. How much tax is paid on a 30 LPA salary?
A. Approximately ₹5.5 lakh is paid as income tax annually under the new regime in 2025.
Q4. Can I save money with a 30 LPA salary?
A. Yes, you can save around ₹1 lakh per month after regular expenses if you manage your finances well.
Q5. Is 30 LPA a high salary in India?
A. Yes, 30 LPA is considered a high income in India and offers a comfortable standard of living with significant savings potential.
