How do I save maximum tax on 18lpa fixed CTC? How much will be my in-hand? And tds per month?
These are the components
Basic 720000
Har 360000
Special allowance 720000
Epf 43200

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Popular options,
1. Invest in Mutual Funds/Lic/PPF/NPS under 80c for upto 1.5 lakhs.
2. HRA . (Actual rent per annum - 10% of annual basic). So if rent is 20k per month, 240,000 - 72,000 = 168,000 (falls within your max limit of 360,000).
3. House loan interest component upto 2 lakhs in addition to HRA if your house is under construction and you are still renting.
4. Parents medical insurance premium upto 50k for senior citizen or upto 25k for others.
5. Education loan interest component (I think under 80e)
6. Personal NPS for upto 50k over and above 1.5lakhs of 80c.
7. Corporate NPS upto max of 10% of your annual basic (Corporate NPS can be claimed only if company has subscribed to it).
Before investing in NPS please do your homework and see if NPS is okay for you. It has a lock in until age 60 and on maturity you can only claim 60% corpus as lump sum and remaining 40% in annuity which pays you pension (interest generated on 40% annuity)every month. You can prematurely exit after 5 years but only 20% corpus can be claimed as lump sum and remaining 80% in annuity.

All the best.


In hand would be around 1.1 to 1.2 lakhs. Depends on your tax investment.

You can except 1.25 in hand every month if you show basic investments hra and 80c cc d etc


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What's the Inhand salary? details below

Total = 12.44 LPA

Basic + Allowance = Rs. 11.65 LPA
Employer PF(12% of basic) = Rs. 56.7k
Gratuity : Rs. 22k


Hi fishes,

Can someone let me know the in hand salary for the below compensation.


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Hi everyone

How to calculate in-hand Salary?
CTC : 19 LPA Fixed
80C : Home loan

How much in-hand Salary I will be getting per month?
And how to calculate that ?


How much would be in-hand salary monthly.

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Hi what will be the take home if fixed is 14lpa and 18lpa respectively?


Hi Fishes and Sharks !
Had a genuine question here! How do you guys manage taxes and investments! I mean how did you handled it for that first time.
How did you learn? How did you learn to declare and submit the proof etc. Which tax saving options to consider in flexi? Did you guys hire any CA? Is it normal?
Its my first time earning taxable range amount. Hence confused about how to proceed. Open for suggestions! Thanks


Hi fishes,
Kindly help
What would be my Inhand salary?

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Hi guys,
Can anyone tell what will be the in hand calculation for this salary

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