PaisaSamajhResearch/india-ctc-to-in-hand-salary-2026
India CTC-to-In-Hand Salary Dataset 2026 This dataset models how annual Cost to Company (CTC) converts into annual net cash and regular monthly net pay for salaried employees in India. It covers CTC bands from ₹5 lakh to ₹50 lakh under: 0%, 50% and 100% target-variable payout scenarios capped and full-basic-wage provident-fund models the Income-tax Act, 2025 provisions applicable to tax year 2026–27 Why this dataset exists CTC, recurring monthly bank credit and… See the full description on the dataset page: https://huggingface.co/datasets/PaisaSamajhResearch/india-ctc-to-in-hand-salary-2026.
India CTC-to-In-Hand Salary Dataset 2026
This dataset models how annual Cost to Company (CTC) converts into annual net cash and regular monthly net pay for salaried employees in India.
It covers CTC bands from ₹5 lakh to ₹50 lakh under:
- 0%, 50% and 100% target-variable payout scenarios
- capped and full-basic-wage provident-fund models
- the Income-tax Act, 2025 provisions applicable to tax year 2026–27
Why this dataset exists
CTC, recurring monthly bank credit and total annual cash received are different measures. This dataset keeps them separate and reconciles employer PF, employee PF, gratuity provision, variable pay and income tax.
Files
india-ctc-to-in-hand-index-2026.csv: platform-ready data tableindia-ctc-to-in-hand-index-2026-source.csv: source export with assumptions and statutory references embedded as comment rowsDATA_DICTIONARY.md: field definitions and limitationsCITATION.cff: machine-readable citation metadata
Key assumptions
- Basic salary: 40% of CTC
- Target variable pay: 10% of CTC
- Variable-payout scenarios: 0%, 50% and 100%
- PF: 12% of basic under capped and full-basic-wage variants
- Professional tax: excluded because it is state-dependent
- Salary income only; employer NPS is excluded
- Regular monthly net spreads annual income tax evenly across 12 months; actual employer withholding can differ
- All values are illustrative and are not tax, legal or financial advice
Source and methodology
Full methodology, corrections history and interactive tools:
https://paisasamajh.in/research/india-ctc-to-in-hand-index-2026
Interactive CTC-to-in-hand salary calculator:
https://paisasamajh.in/calculators/salary-calculator
Downloadable source dataset:
https://paisasamajh.in/data/india-ctc-to-in-hand-index-2026.csv
Suggested citation
PaisaSamajh Research. (2026). India CTC-to-In-Hand Salary Dataset 2026 (version 2026.2). https://paisasamajh.in/research/india-ctc-to-in-hand-index-2026
Publisher
PaisaSamajh Research https://paisasamajh.in