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IN-HAND SALARY · WEST BENGAL

₹18 Lakh CTC In-Hand Salary Calculator — West Bengal

Calculate exact monthly take-home pay for ₹18L CTC in West Bengal. Includes EPF, Professional Tax ₹208/month, income tax (Old & New Regime), and HRA breakup.

✓ EPF 12% ✓ PT ₹208/mo (West Bengal) ✓ Old & New Tax Regime
Typically 40–50% of CTC. HRA = 40–50% of Basic.
Monthly In-Hand Salary — West Bengal
Monthly Take-Home
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Annual Tax
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Effective Tax %
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Salary ComponentMonthlyAnnual
Gross CTC——
Basic Salary——
HRA——
Special Allowance——
Deductions
EPF Employee (12% of Basic)——
Professional Tax (West Bengal)₹208₹2,496
Income Tax (TDS)——
Net In-Hand Salary——
Note: Employer also contributes 12% of Basic to EPF + ~4.8% toward Gratuity fund — these are part of CTC but do NOT come to you as cash. The above shows only your take-home cash.

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Frequently Asked Questions

Frequently Asked Questions

Key deductions from your CTC of ₹18 lakh: (1) Employee EPF: 12% of Basic, (2) Income tax (TDS monthly), (3) Professional Tax: ₹208/month in West Bengal, (4) Health insurance premium if included in CTC. The rest comes to you as in-hand salary.
A higher Basic component means higher EPF deduction but also higher HRA exemption potential. A lower Basic with higher Special Allowance reduces EPF but increases taxable income. Optimal structure balances HRA exemption (if renting) and 80C deductions to minimize income tax.
Yes — Professional Tax paid (₹2496/year in West Bengal) is deductible from gross salary under Section 16(iii) of the Income Tax Act, regardless of whether you opt for Old or New Tax Regime.