Last updated: October 2026 · FY 2026-27 tax rules
₹8 LPA is a very common offer on a first job switch, and the starting package for some premium fresher tracks. On paper it is ₹66,667 a month. Your bank will show a smaller number.
Short version: about ₹57,000–61,000 a month, with zero income tax under the new regime. Here is the full breakup.
8 LPA in-hand salary: the short answer
- Monthly in-hand (new regime): ₹56,863 – ₹61,263
- Yearly in-hand: ₹6,82,360 – ₹7,35,160
- Income tax: ₹0 under the new regime
- Gross monthly salary (before PF, tax): ₹61,063 – ₹63,263
- Assumes: basic pay is 50% of CTC, no variable pay, ₹200 a month professional tax
Why a range and not one number? It depends on how your company calculates PF. If PF is 12% of your full basic pay, you get the lower figure. If PF is capped at the statutory wage limit of ₹15,000 a month (₹1,800 a month from you, ₹1,800 from the company), you get the higher one. Your offer letter or first payslip will tell you which applies.
8 LPA salary breakup: from CTC to in-hand
Here is how a ₹8 lakh CTC turns into money in your bank account. Two parts of CTC never reach your monthly salary: the employer's PF contribution (it goes to your PF account) and gratuity (paid only if you stay 5 years).
| Component (per year) | PF on full basic | PF capped at ₹1,800/month |
|---|---|---|
| CTC (cost to company) | ₹8,00,000 | ₹8,00,000 |
| Basic pay (50% of CTC) | ₹4,00,000 | ₹4,00,000 |
| − Employer PF (goes to your PF account) | −₹48,000 | −₹21,600 |
| − Gratuity (4.81% of basic, paid after 5 years) | −₹19,240 | −₹19,240 |
| = Gross salary | ₹7,32,760 | ₹7,59,160 |
| − Employee PF (12%) | −₹48,000 | −₹21,600 |
| − Professional tax | −₹2,400 | −₹2,400 |
| − Income tax (new regime, incl. 4% cess) | ₹0 | ₹0 |
| = In-hand per year | ₹6,82,360 | ₹7,35,160 |
| = In-hand per month | ₹56,863 | ₹61,263 |
Why is the tax zero? Your taxable salary is ₹7,32,760 minus the ₹75,000 standard deduction, which is ₹6,57,760. Under the new regime, the Section 87A rebate wipes out all tax when taxable income is ₹12 lakh or less. That rule is unchanged for FY 2026-27.
What your monthly payslip will look like
A typical payslip at this salary, with PF on full basic. Companies split the non-basic part differently, so your HRA and special allowance may not match, but the total and the in-hand will be close.
| Payslip line | Per month |
|---|---|
| Basic pay | ₹33,333 |
| HRA | ₹13,333 |
| Special allowance | ₹14,397 |
| Gross earnings | ₹61,063 |
| Employee PF | −₹4,000 |
| Professional tax | −₹200 |
| Income tax (TDS) | ₹0 |
| Net pay | ₹56,863 |
Old vs new tax regime at 8 LPA
Stick with the new regime. You already pay zero tax there. Under the old regime, even with the full ₹1.5 lakh of Section 80C investments, your monthly in-hand would be about ₹55,254, because you would pay ₹19,315 a year in tax.
Who earns 8 LPA in India?
Engineers and analysts with 2–3 years of experience who have switched once, and freshers on specialist tracks at large IT firms, usually land around ₹8 LPA. TCS Digital, for example, is reported at about ₹7–7.3 LPA in 2026, and the Prime track higher.
Outside tech, ₹8 LPA is typical for 3–5 years in sales, marketing, HR and operations, and for first jobs after a tier-2 MBA.
Average fixed pay reported on Weekday's company salary pages, at 1 year of experience:
- TCS: ₹7.75 LPA
- Deloitte: ₹7.65 LPA
- PwC: ₹7.61 LPA
- Wipro: ₹8.27 LPA
- Accenture: ₹8.48 LPA
- Capgemini: ₹8.76 LPA
Is 8 LPA a good salary?
Yes, for anyone with up to 3 years of experience. ₹57,000–61,000 a month lets you rent a 1BHK alone in most cities, or share in Bengaluru or Mumbai and save a good chunk.
Because you pay no income tax, every rupee of a future hike up to about ₹13 LPA reaches your pocket, after PF.
From 8 LPA to 12 LPA
The ₹8–12 LPA move is a 50% jump, and it almost always comes from a switch, not an appraisal. Product companies hire engineers with 3 years and one strong project at ₹12 LPA and up. For analysts, SQL plus one BI tool plus a story about a decision your work changed is what gets you there.
Want to see what a hike does to your take-home? Run it through the salary hike calculator, or browse jobs on Weekday paying ₹12 LPA and above.
In-hand salary at other CTCs
| CTC | Monthly in-hand | Yearly tax (new regime) |
|---|---|---|
| 2.5 LPA | ₹17,632 | ₹0 |
| 3 LPA | ₹21,199 | ₹0 |
| 3.5 LPA | ₹24,765 | ₹0 |
| 4 LPA | ₹28,332 – ₹28,732 | ₹0 |
| 4.5 LPA | ₹31,898 – ₹32,798 | ₹0 |
| 5 LPA | ₹35,465 – ₹36,865 | ₹0 |
| 5.5 LPA | ₹39,031 – ₹40,931 | ₹0 |
| 6 LPA | ₹42,598 – ₹44,998 | ₹0 |
| 6.5 LPA | ₹46,164 – ₹49,064 | ₹0 |
| 7 LPA | ₹49,730 – ₹53,130 | ₹0 |
| 7.5 LPA | ₹53,297 – ₹57,197 | ₹0 |
| 8 LPA | ₹56,863 – ₹61,263 | ₹0 |
| 9 LPA | ₹63,996 – ₹69,396 | ₹0 |
| 10 LPA | ₹71,129 – ₹77,529 | ₹0 |
| 12 LPA | ₹85,395 – ₹93,795 | ₹0 |
| 14 LPA | ₹99,026 – ₹1,04,018 | ₹7,623 |
| 15 LPA | ₹1,00,308 – ₹1,10,819 | ₹77,832 |
| 18 LPA | ₹1,18,134 – ₹1,31,151 | ₹1,20,699 |
| 20 LPA | ₹1,29,339 – ₹1,44,033 | ₹1,57,435 |
| 30 LPA | ₹1,80,693 – ₹2,02,975 | ₹3,97,129 |
For any other number, or to plug in your own basic pay, PF type and city, use the in-hand salary calculator. If you are new to the terms, our guide on CTC vs in-hand salary explains every line of a payslip.
Frequently asked questions
What is the in-hand salary for 8 LPA per month?
Around ₹56,863 – ₹61,263 a month under the new tax regime, assuming basic pay is 50% of CTC and there is no variable pay. You pay no income tax.
Is 8 LPA taxable?
No income tax under the new regime. Taxable income after the ₹75,000 standard deduction is about ₹6.6–6.8 lakh, well under the ₹12 lakh rebate limit.
What is 8 LPA per month?
₹66,667 is CTC divided by 12. Gross salary is about ₹61,000 a month, and in-hand is about ₹56,900–61,300 depending on how PF is calculated.
Does variable pay change my 8 LPA in-hand?
Yes. If part of your CTC is a performance bonus, it is paid once or twice a year, not monthly. Take it out of the CTC before you calculate the monthly figure, then expect the bonus as a lump sum (taxed when paid).
Why is my in-hand lower than this?
Common reasons: a lower basic % (PF and gratuity eat more), group health insurance deducted from salary, meal cards or NPS taken from your pay, or a state with different professional tax. Your payslip shows each one.
How we calculated this
All figures use FY 2026-27 rules under the Income-tax Act, 2025, which kept the same slabs as last year: a ₹75,000 standard deduction and full rebate up to ₹12 lakh taxable income in the new regime; a ₹50,000 standard deduction in the old regime; 4% health and education cess. We assume basic pay is 50% of CTC (the new labour codes push most companies to at least 50%), gratuity at 4.81% of basic inside CTC, employee and employer PF at 12%, and ₹2,400 a year professional tax. Your actual numbers depend on your salary structure, so treat these as a close estimate, not a payslip.
