Govt Job Salary-in-Hand Calculator 2026

For every Indian central government post, the monthly salary is built from five components:

1. Basic Pay from the 7th CPC Pay Matrix (Level 1 to Level 14). This is the anchor of every other component.
2. Dearness Allowance (DA), currently 53% of basic, revised twice a year on 1 Jan and 1 Jul based on the All-India CPI for Industrial Workers.
3. House Rent Allowance (HRA), 27% / 18% / 9% of basic for X / Y / Z class cities respectively (revised post-DA reaching 50%).
4. Transport Allowance (TA), fixed slabs ranging from Rs. 1,350 (Level 1-2, Z city) to Rs. 7,200 (Level 9+, X city), plus DA on TA.
5. Post-specific allowances — running allowance for railway loco staff, MSP for defense, special allowance for banking, field/risk allowance for paramilitary.

From the gross, two deductions reduce your take-home:

• NPS contribution — 10% of (basic + DA), mandatory under the National Pension System.
• Professional Tax — Rs. 200/month average, varies by state (Maharashtra Rs. 200, Karnataka Rs. 200, West Bengal Rs. 150 etc.).

Income tax is not deducted in this calculator because it depends on your tax regime choice (old vs new) and your individual deductions (80C, 80D, HRA exemption, etc.). For Level 6+ posts, expect 10-30% additional reduction after IT.