జీతం లెక్కించుకోండి | Calculate your estimated in-hand salary instantly
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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).
| 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 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.
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 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 |
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).
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).
NPS (National Pension System) deduction is 10% of Basic Pay + DA for Central Government employees. The government contributes an equal 14% as employer contribution.
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.
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.