"India's average CTC reaches ₹31.1L with a monthly take-home of ₹181,167, grounded in 4,243 real salary calculations."
Updated October 2025 • 4,243 professionals
Calculate Your Salary →| Rank | City | Avg CTC | Median | Take-Home |
|---|---|---|---|---|
| #1 | Noida | ₹5,861,144.4L | ₹4,000,000.0L | ₹306,567/mo |
| #2 | Bangalore | ₹3,369,199.3L | ₹2,711,199.0L | ₹201,948/mo |
| #3 | Delhi | ₹3,152,671.4L | ₹2,700,000.0L | ₹190,720/mo |
| #4 | Mumbai | ₹3,019,178.1L | ₹2,550,677.0L | ₹186,981/mo |
| #5 | Hyderabad | ₹2,958,249.1L | ₹2,000,000.0L | ₹182,138/mo |
| #6 | Pune | ₹2,952,965.7L | ₹2,350,000.0L | ₹180,528/mo |
| #7 | Chennai | ₹2,667,504.5L | ₹2,055,500.0L | ₹166,508/mo |
| #8 | Kolkata | ₹2,489,322.4L | ₹1,900,000.0L | ₹158,124/mo |
| #9 | Gurgaon | ₹2,132,647.1L | ₹2,400,000.0L | ₹147,208/mo |
Unlike traditional salary surveys that rely on self-reported data or employer submissions, In-Hand.in aggregates real salary calculations from professionals actively using our CTC-to-take-home calculator. Every month, thousands of Indian professionals input their actual CTC, deductions, and tax preferences to see their exact take-home salary—and we anonymously aggregate this data to power these insights.
This approach gives us something unique: real-time, calculation-based data rather than estimates or outdated surveys. When you see that India's average CTC is 3,105,720.6L with a take-home of ₹181,167/month, that's based on 4,243 actual salary calculations from October 2025—not guesswork.
We update this data monthly, filtering out outliers (anything above ₹1.5 crore) and duplicate sessions to ensure accuracy. Our sample includes professionals from 9 major cities across India, giving us a comprehensive view of salary trends nationwide. You can learn more about our methodology and privacy practices on our About page, where we detail exactly how we protect your data while building India's most transparent salary resource.
Most salary platforms show you averages from annual surveys or employer-reported data that's months or years old. We're different. Every number you see here—from the national average to city-specific breakdowns—comes from real professionals calculating their actual take-home salary right now. When someone in Bangalore or Mumbai uses our calculator, they're contributing to a living dataset that updates monthly.
What makes this especially valuable is transparency. We don't hide our sample sizes (4,243 calculations this month) or pretend to have data we don't. If a city has fewer than 100 calculations, we won't publish insights for it. This means every insight you read here is statistically meaningful, not padded with assumptions. Plus, our calculator shows the exact CTC-to-take-home breakdown—taxes, EPF, professional tax—so the data reflects India's actual tax burden, not theoretical estimates.
Whether you're comparing offers between cities (check our city salary insights), negotiating your next raise, or just curious where you stand, you're working with the freshest, most authentic salary data available for Indian professionals.
₹31.1L is the average, reflecting diverse industries and roles across the country, indicating a robust job market.
Noida leads with ₹58.6L, showcasing its booming tech and corporate sector, making it a lucrative job market.
Considering living costs, a salary of ₹31.1L is adequate for a comfortable lifestyle for a family of four, covering essentials and savings.
70% of CTC typically goes to take-home pay due to deductions like provident fund, taxes, and other benefits included in your cost to company.
Yes, ₹10 LPA is a respectable salary, above the median for many cities, ensuring a decent standard of living and savings opportunity.
The new tax regime might be better for most; 86% prefer it due to lower rates despite fewer deductions, but personal circumstances can influence the choice.
₹31.1L, mirroring the average salary, indicates a balanced distribution of income among professionals across various industries in the sample.
Yes, salaries can significantly vary, with top cities like Noida offering much higher pay due to industry concentration and living cost differences.
The data suggests an upward trend, with average salaries rising, indicative of economic growth and competitive job markets across various sectors.
Salaries around ₹31.1L and above are considered upper middle class, offering a comfortable lifestyle with disposable income for savings and investments.
Tax depends on the chosen regime; under the new regime, without exemptions, the payable tax is significantly lower, enhancing take-home pay.
For ₹15 LPA, CTC typically includes basic salary, allowances, bonuses, and deductions like EPF, with take-home pay around 70% after taxes and contributions.
₹20 LPA places you in a high income bracket, likely in the top percentile of earners, reflecting the competitive nature of India’s job market.
The tech and finance sectors report the highest salaries, with Noida being a hotspot for such high-paying jobs, driven by demand for skilled professionals.
Average fresher salaries vary widely by industry, but typically range from ₹3L to ₹6L, providing a solid start for new graduates entering the workforce.
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