7th CPC In-Hand Salary Calculator 2026
Work out your monthly take-home under the 7th Pay Commission. Pick your pay level and city, and get Basic, DA (60%), HRA, and net pay after NPS and CGHS — instantly.
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Level 6 entry basic is ₹35,400. CGHS band: ₹450/month. Edit the basic below if you are on a higher cell.
Delhi, Mumbai, Bengaluru, Chennai, Kolkata, Hyderabad, Pune, Ahmedabad
Estimated In-Hand Salary (monthly)
₹61,146
Gross ₹67,260 − Deductions ₹6,114
| Basic Pay | ₹35,400 |
| Dearness Allowance (60%) | ₹21,240 |
| HRA (X-class, 30%) | ₹10,620 |
| Gross Salary | ₹67,260 |
| − NPS (10% of Basic+DA) | ₹5,664 |
| − CGHS (Level 6) | ₹450 |
| Net In-Hand (monthly) | ₹61,146 |
| Annual gross | ₹8,07,120 |
| Annual in-hand (pre-tax) | ₹7,33,752 |
Assumptions & sources
- DA = 60% of basic from 1 January 2026 (Cabinet approval announced 18 April 2026). Editable above; the 1 July 2026 instalment had not been announced at the last update.
- HRA = 30% / 20% / 10% of basic for X / Y / Z cities, applicable since DA reached 50% on 1 January 2024 (DoE OM of 7 July 2017); floors ₹5,400 / ₹3,600 / ₹1,800.
- NPS = 10% of (Basic + DA); CGHS = ₹250 / ₹450 / ₹650 / ₹1,000 by pay level (unchanged since 2017).
- Income-tax TDS, Transport Allowance and post-specific allowances are excluded — add TA under “Other allowances” if you want it (higher-TPTA cities: ₹7,200 for Level 9+, ₹3,600 for Levels 3–8, ₹1,350 for Levels 1–2, each plus DA). Figures are indicative, not an official pay slip.
How the 7th CPC in-hand salary is computed
Your gross salary is the sum of the cash components, and in-hand is what remains after statutory deductions:
- DA = 60% of Basic (current rate, effective 1 Jan 2026).
- HRA = 30% / 20% / 10% of Basic for X / Y / Z cities (floors ₹5,400 / ₹3,600 / ₹1,800).
- NPS = 10% of (Basic + DA) for post-2004 employees.
- CGHS = ₹250–₹1,000 a month, set by your pay level.
Frequently Asked Questions
How is 7th CPC in-hand salary calculated?
In-hand salary = Basic Pay + Dearness Allowance (DA) + House Rent Allowance (HRA) + any other allowances − deductions (NPS 10% of Basic+DA, CGHS contribution, and income tax). DA is currently 60% of basic and HRA is 30%/20%/10% of basic for X/Y/Z cities. This tool adds the main cash components and subtracts NPS and CGHS; income-tax TDS and transport allowance vary by individual and are noted separately.
What is the current DA rate for central government employees?
Dearness Allowance is 60% of basic pay from 1 January 2026, up from 58% (Cabinet approval announced on 18 April 2026); pensioners get the same 60% as Dearness Relief. DA is revised twice a year, from 1 January and 1 July, based on the 12-month average of the All-India Consumer Price Index for Industrial Workers (AICPI-IW). The 1 July 2026 instalment had not been announced when this page was last updated (September 2026), so the tool uses 60% — change the DA box if a new rate is notified.
How much HRA do central government employees get?
Because DA has crossed 50%, HRA is paid at 30% of basic for X-class (metro) cities, 20% for Y-class cities, and 10% for Z-class cities, subject to monthly floors of ₹5,400, ₹3,600, and ₹1,800 respectively. Whichever is higher — the percentage or the floor — is paid.
What deductions are taken from a government salary?
For employees who joined on or after 1 January 2004, the main statutory deductions are NPS (National Pension System) at 10% of Basic + DA, and CGHS (Central Government Health Scheme) at ₹250 to ₹1,000 per month depending on pay level. Income-tax TDS applies on top for those above the exemption limit. Employees under the old GPF/pension scheme do not have the mandatory 10% NPS deduction.
Is NPS deducted from basic or gross salary?
NPS is deducted at 10% of Basic Pay + DA (not on HRA or other allowances). The government adds a matching 14% of Basic + DA to your NPS account, but that is an employer contribution and does not reduce your take-home pay.