In-Hand Salary Calculator
From the 7th CPC pay matrix — what actually reaches your hand, with the full breakdown
Full breakdown — what comes from where
| Basic Pay | Level 7 first cell (on joining) | ₹44,900 |
| DA | 55% of basic | ₹24,695 |
| HRA | 30% of basic (X class city) | ₹13,470 |
| Transport Allowance | Fixed TA for Level 7 | ₹3,600 |
| DA on TA | 55% of TA | ₹1,980 |
| Gross Salary | Everything above, added up | ₹88,645 |
| NPS | 10% of (Basic + DA) — deducted | − ₹6,960 |
| CGEGIS | Fixed as per level — deducted | − ₹60 |
| CGHS | Fixed as per level — deducted | − ₹650 |
| In-Hand Salary | Gross minus the deductions (before income tax) | ₹80,976 |
Posts at this level: SSC CGL ASO, Junior Engineer, Sub Inspector (Delhi Police / CAPF), Assistant
DA effective from: 01 January 2025 se laagu DA (55%)
Income tax has deliberately been left out — it depends on your regime, your 80C investments and your HRA exemption. Putting a single number here would only be a guess, and we do not print guesses.
Pay Level 1 to 18 — In-Hand Salary List
| Level | Basic Pay | In-Hand (X) | In-Hand (Y) | In-Hand (Z) | Post |
|---|---|---|---|---|---|
| Level 1 | ₹18,000 | ₹32,323 | ₹29,825 | ₹28,025 | MTS, Peon, Safaiwala, Chowkidar, Gardener |
| Level 2 | ₹19,900 | ₹35,543 | ₹32,856 | ₹30,866 | LDC, Junior Clerk, Constable (kuch force) |
| Level 3 | ₹21,700 | ₹42,082 | ₹37,122 | ₹34,952 | Constable (GD) CAPF, Fireman, Havaldar |
| Level 4 | ₹25,500 | ₹48,523 | ₹43,183 | ₹40,633 | Stenographer Grade D, Junior Assistant, Lab Attendant |
| Level 5 | ₹29,200 | ₹54,794 | ₹49,084 | ₹46,164 | Technician, Senior Clerk, Postal Assistant (kuch) |
| Level 6 | ₹35,400 | ₹65,073 | ₹58,743 | ₹55,203 | Head Constable, Junior Engineer (kuch), Sub Inspector (kuch state) |
| Level 7 | ₹44,900 | ₹80,976 | ₹73,696 | ₹69,206 | SSC CGL ASO, Junior Engineer, Sub Inspector (Delhi Police / CAPF), Assistant |
| Level 8 | ₹47,600 | ₹85,552 | ₹78,002 | ₹73,242 | SSC CGL Inspector (Income Tax / Central Excise), Assistant Audit Officer, CBI SI |
| Level 9 | ₹53,100 | ₹1,00,455 | ₹89,565 | ₹84,255 | Section Officer, Assistant Engineer |
| Level 10 | ₹56,100 | ₹1,05,480 | ₹94,290 | ₹88,680 | Group A entry — Assistant Commandant CAPF, IAS/IPS probation, Assistant Director |
| Level 11 | ₹67,700 | ₹1,25,142 | ₹1,12,792 | ₹1,06,022 | Senior Section Officer, Deputy Superintendent, Assistant Professor (kuch) |
| Level 12 | ₹78,800 | ₹1,43,606 | ₹1,30,146 | ₹1,22,266 | Under Secretary, Deputy Commandant, Senior Divisional Manager |
| Level 13 | ₹1,23,100 | ₹2,18,695 | ₹2,00,805 | ₹1,88,495 | Director / Deputy Secretary level |
| Level 13A | ₹1,31,100 | ₹2,32,255 | ₹2,13,565 | ₹2,00,455 | Senior Director level |
| Level 14 | ₹1,44,200 | ₹2,54,459 | ₹2,34,459 | ₹2,20,039 | Joint Secretary level |
| Level 15 | ₹1,82,200 | ₹3,18,869 | ₹2,95,069 | ₹2,76,849 | Additional Secretary level |
| Level 16 | ₹2,05,400 | ₹3,58,193 | ₹3,32,073 | ₹3,11,533 | Special Secretary level |
| Level 17 | ₹2,25,000 | ₹3,91,415 | ₹3,63,335 | ₹3,40,835 | Secretary to Government of India |
| Level 18 | ₹2,50,000 | ₹4,33,790 | ₹4,03,210 | ₹3,78,210 | Cabinet Secretary |
Basic pay = the first cell at the time of joining. 01 January 2025 se laagu DA (55%). NPS, CGEGIS and CGHS deductions are already removed from the in-hand figure — it is a before-income-tax number. X / Y / Z is the class of the city (HRA 30% / 20% / 10%).
Actual Rates of Allowances and Deductions
| DA | 55% of basic — 01 January 2025 se laagu DA (55%). Revised twice a year (effective from January and July). |
| HRA | X class 30% · Y class 20% · Z class 10% (these rates came into effect after DA crossed 50%) |
| Transport Allowance | Level 1-2: ₹1,350 / ₹900 · Level 3-8: ₹3,600 / ₹1,800 · Level 9 and above: ₹7,200 / ₹3,600 (big cities / other cities). DA applies on TA as well. |
| NPS | 10% of (Basic + DA) — everyone who joined after 2004 is under this |
| CGEGIS | Level 1-5: ₹30 · Level 6-9: ₹60 · Level 10 and above: ₹120 (per month) |
| CGHS | Level 1-5: ₹250 · Level 6: ₹450 · Level 7-11: ₹650 · Level 12 and above: ₹1,000 (per month) |
Frequently Asked Questions
What is the difference between in-hand salary and gross salary?
Gross salary = Basic + DA + HRA + TA + DA on TA, that is, the total of everything added up. In-hand is what is left after the deductions (NPS, CGEGIS, CGHS) are taken out of that gross. A job notice almost always mentions the pay scale or the gross figure, so people assume that is what they will receive — but what actually reaches the bank account is the in-hand amount, which is lower.
The notice only gives a pay scale. How do I find my Pay Level?
The first number in a pay scale is the entry pay for that level, and it is fixed under the 7th CPC. For example, ₹44900-142400 means Level 7 and ₹35400-112400 means Level 6. The full table above lists the entry pay for every level — just look up the first number from your notice there.
What do HRA X, Y and Z class mean?
The government has divided cities into three classes. In X class cities (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai, Kolkata, Ahmedabad, Pune) HRA is 30% of basic, in Y class cities it is 20%, and in Z class — everywhere else — it is 10%. This is why the same post pays a different in-hand salary in Delhi and in a smaller city: your place of posting directly changes your salary.
Why is income tax not included in this calculator?
Income tax depends on the regime you choose (old or new), your 80C investments, HRA exemption and any home loan — two people on the very same salary can pay different tax. Putting a single number here would only be a guess, and a guessed number can ruin your planning. That is why this page states clearly that the figures are before income tax.
What are NPS, CGEGIS and CGHS, and why are they deducted?
NPS is your own share towards pension — 10% of (Basic + DA) — and the government adds its share on top of it, so this money is not lost, it goes into your pension account. CGEGIS is a low-cost group insurance (₹30 to ₹120 a month depending on your level). CGHS is your contribution to the government health scheme. Together these three make up the deductions.
Does the salary increase after joining?
Yes. The basic pay shown here is the first cell at the time of joining. An increment of 3% is added every year (the next cell in the pay matrix), DA is revised twice a year, and on promotion the level itself changes. So this figure is your starting point, not your final one.
Check this along with the salary
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