From CTC to your bank account 18 LPA CTC
| A year | A month | |
|---|---|---|
| CTC | ₹18,00,000 | ₹1,50,000 |
| Employer PFgoes to your PF account, not your salary | − ₹36,000 | − ₹3,000 |
| Gratuitypaid when you leave after the qualifying service | − ₹43,290 | − ₹3,608 |
| Gross salary | ₹17,20,710 | ₹1,43,393 |
| Your PFsame as the employer's | − ₹36,000 | − ₹3,000 |
| Professional tax | − ₹2,500 | − ₹208 |
| Income tax (TDS)new regime, cess included | − ₹1,34,308 | − ₹11,192 |
| In-hand salary | ₹15,47,902 | ₹1,28,992 |
An estimate from the usual Indian salary structure. Your payslip can differ with your company's split (HRA, special allowance, meal cards, insurance premiums). Compare both tax regimes with your deductions on the income tax calculator.
About the HCLTech Elite Engineer package
HCLTech's Elite Engineer programme hires top graduates (mostly IITs and NITs) at ₹18 LPA to ₹22 LPA, three to four times its regular campus pay. This page uses ₹18 LPA.
If your offer is higher, enter it in the calculator above.
Package source: reported by HRKatha, September 2026. Companies revise fresher packages; check your offer letter.
18 LPA in hand with different PF rules a month
| Provident fund | In-hand a month |
|---|---|
| Capped at ₹3,000 a month (most companies) | ₹1,28,992 |
| 12% of full basic | ₹1,18,126 |
| No PF | ₹1,34,368 |
18 LPA in hand by state professional tax differs
| State | Professional tax a year | In-hand a month |
|---|---|---|
| Karnataka | ₹2,500 | ₹1,28,992 |
| Maharashtra | ₹2,500 | ₹1,28,992 |
| Telangana | ₹2,400 | ₹1,29,000 |
| Tamil Nadu | ₹2,500 | ₹1,28,992 |
| Delhi NCR (Delhi, Gurugram, Noida) | None | ₹1,29,200 |
| Andhra Pradesh | ₹2,400 | ₹1,29,000 |
| West Bengal | ₹2,400 | ₹1,29,000 |
| Gujarat | ₹2,400 | ₹1,29,000 |
| Kerala | ₹2,500 | ₹1,28,992 |
| Madhya Pradesh | ₹2,500 | ₹1,28,992 |
| Odisha | ₹2,500 | ₹1,28,992 |
| Assam | ₹2,496 | ₹1,28,992 |
| Punjab | ₹2,400 | ₹1,29,000 |
| Haryana | None | ₹1,29,200 |
| Uttar Pradesh | None | ₹1,29,200 |
| Rajasthan | None | ₹1,29,200 |
How 18 LPA becomes ₹1,28,992 a month
A 18 LPA CTC is ₹1,50,000 a month on paper.With basic at half of the fixed pay (₹75,000 a month), the employer's PF of ₹3,000 a month and gratuity of ₹3,608 comes out first, which leaves a gross salary of ₹1,43,393 a month.
From that, your own PF (₹3,000), professional tax (₹208 on average) and income tax of ₹11,192 a month. That leaves ₹1,28,992 a month in your account, ₹15,47,902 over the year.
Your PF is not lost: ₹6,000 a month builds up in your PF account and earns interest.
Frequently Asked Questions
What is the HCLTech Elite Engineer in-hand salary?
About ₹1,28,992 a month on the 18 LPA CTC, with 50% basic, PF capped at ₹3,000 a month and gratuity in the CTC, new tax regime. Your payslip may differ slightly with the company's exact split.
What is the HCLTech Elite Engineer package?
18 LPA CTC as reported by HRKatha, September 2026. If your offer is higher, enter it in the calculator above.
Is there income tax on the HCLTech Elite Engineer salary?
Yes, about ₹11,192 a month in the new regime.