Income Tax on ₹11 Lakh Salary (FY 2026-27)
For FY 2026-27 (AY 2027-28), the income tax on a ₹11 Lakh salary is ₹0 under the new regime for a salaried taxpayer with the ₹75,000 standard deduction — the ₹60,000 Section 87A rebate makes income up to ₹12 lakh tax-free. The old regime (no deductions) works out to ₹1,32,600. The new regime saves ₹1,32,600.
Last updated: 2026-06-03
New Regime (default)
₹0
Taxable after ₹75,000 standard deduction: ₹10,25,000
Old Regime (no deductions)
₹1,32,600
Lower if you claim 80C / 80D / HRA / home-loan interest
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
NISM XIX-C certified · Partner, Tykhe Ventures (SEBI AIF Cat II) · Founder, RupayWise
Ganesh Kompella is NISM Series XIX-C certified — the certification for Alternative Investment Fund managers — and a Partner at Tykhe Ventures, a SEBI-registered Category II AIF (~$20 M AUM). He's a self-taught engineer who built RupayWise and its 230+-test calculation engine because India's finance tools were built to sell products, not to help you decide. RupayWise is an educational platform — not a SEBI-registered Investment Adviser.
Frequently Asked Questions — ₹11 Lakh Salary
How much income tax do I pay on a ₹11 Lakh salary in FY 2026-27?
On a ₹11 Lakh salary (FY 2026-27, AY 2027-28), a salaried taxpayer with only the standard deduction pays ₹0 under the new regime and ₹1,32,600 under the old regime (no other deductions). The new regime gives a ₹75,000 standard deduction plus a ₹60,000 Section 87A rebate that makes income up to ₹12 lakh tax-free.
Is a ₹11 Lakh salary taxable under the new regime?
No. After the ₹75,000 standard deduction your taxable income is ₹10,25,000, within the ₹12 lakh Section 87A rebate, so your new-regime tax is zero.
Old or new regime — which is better for a ₹11 Lakh salary?
For a ₹11 Lakh salary with no deductions, the new regime is lower: ₹0 vs ₹1,32,600, a saving of ₹1,32,600. The old regime can overtake only with large deductions — use the calculator with your actual 80C/80D/HRA figures.
Does a ₹11 Lakh salary attract surcharge?
No. Surcharge applies only above ₹50 lakh total income, so a ₹11 Lakh salary has none — just the 4% health & education cess on tax.
Income Tax on Other Salaries
Related Resources
Calculators
- Tax Regime — Old vs New tax regime — see which saves more with all deductions: 80C, 80D, HRA, NPS & more.
- Salary Calculator — Convert your CTC to monthly in-hand salary. Compare old vs new tax regime side-by-side with HRA, EPF, professional tax, and 80C/80D savings.
- HRA — Calculate HRA tax exemption under Section 10(13A). See all 3 rules and find your maximum tax-free allowance.
Disclaimer: Figures are for a salaried individual with only the standard deduction under FY 2026-27 (AY 2027-28) rules, computed by RupayWise's tested tax engine. Your actual tax depends on your deductions (80C, 80D, HRA, home-loan interest, NPS), other income and capital gains — enter them in the calculator above. Educational information, not tax advice; consult a chartered accountant for your situation.