💰 Salary Calculator — Govt, Bank & IT Jobs

Government Salary Calculator — 7th CPC, AP PRC & TS PRC

ప్రభుత్వ ఉద్యోగుల జీతం లెక్కించడానికి ఈ calculator ఉపయోగించండి. Central Government employees follow the 7th Pay Commission (7th CPC) structure, while Andhra Pradesh and Telangana state government employees follow their respective Pay Revision Commissions (PRC).

How Govt Salary is Calculated / జీతం ఎలా లెక్కిస్తారు?

Component	Rate	Description
Basic Pay	—	As per pay level in pay matrix
DA (Dearness Allowance)	50% of Basic	Revised twice yearly
HRA (House Rent Allowance)	9% / 18% / 27%	Based on city category Z/Y/X
Transport Allowance	Fixed	Based on pay level & city
NPS Deduction	10% of Basic+DA	National Pension System

Bank Salary Calculator — IBPS, SBI & Private Banks

Bank employees get a different salary structure with Special Allowance, CCA (City Compensatory Allowance) and quarterly DA linked to Consumer Price Index (CPI). PSU banks follow IBA (Indian Banks' Association) wage revision settlements.

Bank Salary Components

• Basic Pay — As per IBPS/SBI scale
• DA — Linked to CPI, revised quarterly
• HRA — 7.5% to 10% based on posting city
• Special Allowance — Fixed percentage of basic
• CCA — For metro/urban postings
• PF Deduction — 12% of basic

IT / Private Sector CTC Calculator

IT sector salaries are quoted as CTC (Cost to Company) which includes many components that are NOT paid directly to the employee. The actual in-hand salary is typically 65-75% of the annual CTC divided by 12.

CTC vs In-Hand / CTC మరియు In-Hand తేడా

CTC Component	In-Hand?
Basic Salary	✅ Yes
HRA	✅ Yes
Special Allowance	✅ Yes
PF (Employer contribution)	❌ No — saved in PF account
Gratuity	❌ No — paid after 5 years
Income Tax (TDS)	❌ Deducted
PF (Employee contribution)	❌ Deducted

Frequently Asked Questions / తరచుగా అడిగే ప్రశ్నలు

What is the current DA rate for Central Govt employees?

As of 2026, the Dearness Allowance (DA) for Central Government employees is 50% of Basic Pay. DA is revised twice a year — January and July — based on AICPI (All India Consumer Price Index).

What is HRA in government salary?

HRA (House Rent Allowance) is calculated as a percentage of Basic Pay: 27% for X cities (metro cities like Hyderabad, Delhi, Mumbai), 18% for Y cities (state capitals, large cities), and 9% for Z cities (other towns and rural areas).

What is NPS deduction in govt salary?

NPS (National Pension System) deduction is 10% of Basic Pay + DA for Central Government employees. The government contributes an equal 14% as employer contribution.

What is the difference between CTC and in-hand salary in IT?

CTC includes employer PF contribution, gratuity, and other benefits that are not directly paid as salary. Typically, in-hand salary is 65-75% of annual CTC ÷ 12 after PF and tax deductions.

How is bank salary different from govt salary?

Bank salaries follow IBA wage revision instead of Pay Commission. Banks have Special Allowance component, DA linked to quarterly CPI, and PF deduction (12%) instead of NPS (10%). Bank salaries are generally competitive with Central Govt salaries at similar levels.