From CTC to your bank account 21 LPA CTC
| A year | A month | |
|---|---|---|
| CTC | ₹21,00,000 | ₹1,75,000 |
| Employer PFgoes to your PF account, not your salary | − ₹36,000 | − ₹3,000 |
| Gratuitypaid when you leave after the qualifying service | − ₹50,505 | − ₹4,209 |
| Gross salary | ₹20,13,495 | ₹1,67,791 |
| Your PFsame as the employer's | − ₹36,000 | − ₹3,000 |
| Professional tax | − ₹2,500 | − ₹208 |
| Income tax (TDS)new regime, cess included | − ₹1,95,207 | − ₹16,267 |
| In-hand salary | ₹17,79,788 | ₹1,48,316 |
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 Infosys Specialist Programmer L3 package
Specialist Programmer is Infosys's top fresher track, now in three levels by test score. Level 3, the highest, pays ₹21 LPA.
Package source: reported by Moneycontrol (via Storyboard18), 2026. Companies revise fresher packages; check your offer letter.
21 LPA in hand with different PF rules a month
| Provident fund | In-hand a month |
|---|---|
| Capped at ₹3,000 a month (most companies) | ₹1,48,316 |
| 12% of full basic | ₹1,34,876 |
| No PF | ₹1,53,692 |
21 LPA in hand by state professional tax differs
| State | Professional tax a year | In-hand a month |
|---|---|---|
| Karnataka | ₹2,500 | ₹1,48,316 |
| Maharashtra | ₹2,500 | ₹1,48,316 |
| Telangana | ₹2,400 | ₹1,48,324 |
| Tamil Nadu | ₹2,500 | ₹1,48,316 |
| Delhi NCR (Delhi, Gurugram, Noida) | None | ₹1,48,524 |
| Andhra Pradesh | ₹2,400 | ₹1,48,324 |
| West Bengal | ₹2,400 | ₹1,48,324 |
| Gujarat | ₹2,400 | ₹1,48,324 |
| Kerala | ₹2,500 | ₹1,48,316 |
| Madhya Pradesh | ₹2,500 | ₹1,48,316 |
| Odisha | ₹2,500 | ₹1,48,316 |
| Assam | ₹2,496 | ₹1,48,316 |
| Punjab | ₹2,400 | ₹1,48,324 |
| Haryana | None | ₹1,48,524 |
| Uttar Pradesh | None | ₹1,48,524 |
| Rajasthan | None | ₹1,48,524 |
How 21 LPA becomes ₹1,48,316 a month
A 21 LPA CTC is ₹1,75,000 a month on paper.With basic at half of the fixed pay (₹87,500 a month), the employer's PF of ₹3,000 a month and gratuity of ₹4,209 comes out first, which leaves a gross salary of ₹1,67,791 a month.
From that, your own PF (₹3,000), professional tax (₹208 on average) and income tax of ₹16,267 a month. That leaves ₹1,48,316 a month in your account, ₹17,79,788 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 Infosys Specialist Programmer L3 in-hand salary?
About ₹1,48,316 a month on the 21 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 Infosys Specialist Programmer L3 package?
21 LPA CTC as reported by Moneycontrol (via Storyboard18), 2026.
Is there income tax on the Infosys Specialist Programmer L3 salary?
Yes, about ₹16,267 a month in the new regime.