Estimate Punjab take-home pay using India’s New Tax Regime (FY 2025-26 / AY 2026-27), including a simplified EPF employee contribution and professional tax estimate where applicable.
Punjab salaried employees typically see TDS under the New Tax Regime by default, plus EPF and sometimes professional tax.
Old Regime (with §80C) and surcharge above ₹50 lakh are supported as simplified estimates. Full HRA exemption math is still omitted — treat results as directional.
New Tax Regime (default)
Slabs start with nil tax up to ₹4 lakh of taxable income, then 5%–30% bands. A ₹75,000 standard deduction applies for salaried income. Section 87A can zero tax when taxable income is within the rebate limit; surcharge may apply above ₹50 lakh, then 4% cess.
EPF and professional tax
Employee EPF is estimated at 12% of an assumed basic (40% of gross) unless you enter exact pre-tax deductions. Professional tax is a simplified state estimate and may be ₹0 in some states/UTs.
Punjab note
Punjab salaried employees typically see TDS under the New Tax Regime by default, plus EPF and sometimes professional tax.
Overtime in Punjab
Under the Factories Act, overtime is commonly paid at twice ordinary wages beyond daily/weekly limits. State Shops & Establishments rules can differ — confirm for your employer.
Example: ₹75,000 monthly CTC-style gross in Punjab
Enter ₹75,000 monthly to explore New Regime tax, cess, estimated EPF, and professional tax for Punjab. Adjust Pre-tax if you know exact PF.
Also try the Punjab overtime calculator or the pay converter.