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.
Enter Your Pay Details
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 |
See your full component & annual breakdown
Get the complete split of Basic, DA, HRA and every deduction, plus your annual gross and net — free with a Super Tutor account.
See full breakdown — freeAssumptions & sources
- DA = 60% of basic, the rate notified effective 1 January 2026 (7th CPC). Editable above; July 2026 revision not yet officially notified.
- HRA = 30% / 20% / 10% of basic for X / Y / Z cities, applicable since DA crossed 50% (Jan 2024); 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. Figures are indicative, not an official pay slip.
Preparing for a government exam?
Super Tutor gives you full-length mock tests, current-affairs practice, and study plans for SSC, banking, railways, and UPSC — tailored to your target post.
Try Super Tutor — It's FreeHow 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?
The Dearness Allowance is 60% of basic pay, effective 1 January 2026, as notified by the Finance Ministry (raised from 58%). DA is revised twice a year — on 1 January and 1 July — based on the 12-month average of the All-India Consumer Price Index for Industrial Workers (AICPI-IW). The July 2026 revision is expected around 63% but is not yet officially notified, so this tool defaults to the last confirmed figure of 60%.
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.