In-Hand Take Home Salary
₹ 0
Credited to Bank Account Monthly
Gross Monthly Earnings
₹ 0
Basic + DA + HRA + TPTA
Total Monthly Deductions
₹ 0
NPS + CGHS + CGEGIS + PT
Annual Cost To Govt (CTC)
₹ 0
Gross + 14% Employer NPS
Monthly Earnings (Allowances)
Basic Pay (Pay Matrix Cell): ₹ 44,900
Dearness Allowance (DA @ 50%): ₹ 22,450
House Rent Allowance (HRA): ₹ 13,470
Transport Allowance (TPTA + DA on TPTA): ₹ 5,400
Total Gross Monthly Earnings: ₹ 86,220
Monthly Deductions & Recoveries
NPS Employee Share (10% of Basic + DA): ₹ 6,735
CGHS (Central Health Scheme Slab): ₹ 650
CGEGIS (Central Govt Group Insurance): ₹ 60
Professional Tax (State PT): ₹ 200
Employer Pension Share (14% into NPS): ₹ 9,429
Total Monthly Deductions: ₹ 7,645
91%
In-Hand
Net Take-Home Pay:
₹ 78,575 (91.1%)
NPS Pension Retirement Savings:
₹ 6,735 (7.8%)
Health, Insurance & Taxes:
₹ 910 (1.1%)
GOVERNMENT OF INDIA / RECRUITMENT CELL
ESTIMATED MONTHLY SALARY SLIP (7TH CPC SPECIFICATION)
| Allowances (Earnings) | Amount (₹) |
|---|---|
| Basic Pay | ₹ 44,900 |
| Dearness Allowance (DA) | ₹ 22,450 |
| House Rent Allowance (HRA) | ₹ 13,470 |
| Transport Allowance (TPTA) | ₹ 5,400 |
| Gross Earnings (A) | ₹ 86,220 |
| Recoveries & Deductions | Amount (₹) |
|---|---|
| Employee NPS Contribution | ₹ 6,735 |
| CGHS Subscription | ₹ 650 |
| CGEGIS Insurance | ₹ 60 |
| Professional Tax (PT) | ₹ 200 |
| Total Deductions (B) | ₹ 7,645 |
NET MONTHLY PAYABLE IN-HAND (A - B):
₹ 78,575
(Rupees Seventy-Eight Thousand Five Hundred Seventy-Five Only)
7th Pay Commission Pay Matrix Quick Reference (Levels 1 to 14)
| Pay Level | Grade Pay (Pre-6th CPC) | Starting Basic Pay | Estimated In-Hand (X City) | Estimated In-Hand (Z City) | Prominent Designations |
|---|---|---|---|---|---|
| Level 1 | GP ₹1,800 | ₹ 18,000 | ₹ 31,500+ | ₹ 26,500+ | MTS, Peon, Track Maintainer, Group D |
| Level 2 | GP ₹1,900 | ₹ 19,900 | ₹ 34,500+ | ₹ 29,000+ | LDC, Junior Clerk, Accounts Clerk |
| Level 3 | GP ₹2,000 | ₹ 21,700 | ₹ 39,200+ | ₹ 33,200+ | Constable, Driver, Railway Commercial Clerk |
| Level 4 | GP ₹2,400 | ₹ 25,500 | ₹ 45,500+ | ₹ 38,500+ | Head Constable, Stenographer Grade D, Postal Asst |
| Level 5 | GP ₹2,800 | ₹ 29,200 | ₹ 51,500+ | ₹ 43,800+ | Auditor, Accountant, Senior Clerk, Store Keeper |
| Level 6 | GP ₹4,200 | ₹ 35,400 | ₹ 62,500+ | ₹ 53,200+ | Sub Inspector, Junior Engineer, Inspector Assistant |
| Level 7 | GP ₹4,600 | ₹ 44,900 | ₹ 78,500+ | ₹ 66,800+ | SSC CGL Inspector (Income Tax, GST, CBI, ASO) |
| Level 8 | GP ₹4,800 | ₹ 47,600 | ₹ 83,000+ | ₹ 70,500+ | Assistant Audit Officer (AAO), Senior Section Officer |
| Level 9 | GP ₹5,400 (PB-2) | ₹ 53,100 | ₹ 94,500+ | ₹ 80,500+ | Senior Technical Officer, Accounts Officer |
| Level 10 | GP ₹5,400 (PB-3) | ₹ 56,100 | ₹ 99,500+ | ₹ 84,800+ | UPSC IAS, IPS, IFS, Assistant Commissioner |
| Level 11 | GP ₹6,600 | ₹ 67,700 | ₹ 1,19,000+ | ₹ 1,01,500+ | Under Secretary, Deputy Director, Executive Engineer |
| Level 12 | GP ₹7,600 | ₹ 78,800 | ₹ 1,37,500+ | ₹ 1,17,000+ | Joint Director, Deputy Secretary, Superintending Eng. |
| Level 13 | GP ₹8,700 | ₹ 1,23,100 | ₹ 2,12,000+ | ₹ 1,81,000+ | Director, DIG of Police, Chief Engineer |
| Level 14 | GP ₹10,000 | ₹ 1,44,200 | ₹ 2,47,000+ | ₹ 2,11,000+ | Joint Secretary to Govt of India, IG of Police |
Frequently Asked Questions on 7th Central Pay Commission Salary
1. What is the difference between Gross Salary and In-Hand Take Home Salary?
Gross Salary represents the total sum of Basic Pay plus all statutory allowances (Dearness Allowance + House Rent Allowance + Transport Allowance). In-Hand Salary is the net amount credited directly into your bank account after mandatory deductions including National Pension System (NPS 10%), Central Government Health Scheme (CGHS), Central Government Employees Group Insurance Scheme (CGEGIS), and State Professional Tax (PT).
2. What are the minimum floor rates for HRA in Class X, Y, and Z cities?
To protect lower-income employees in costly urban centers, the 7th CPC guaranteed statutory minimum floors for HRA. Even if 30% of Basic Pay computes to less, an employee in Class X is guaranteed at least ₹5,400 (Levels 1–3), ₹7,200 (Levels 4–5), or ₹10,800 (Level 6 and above). In Class Y cities, the minimums are ₹3,600, ₹4,800, and ₹7,200 respectively. In Class Z cities, they are ₹1,800, ₹2,400, and ₹3,600.
3. How does Dearness Allowance (DA) affect other allowances?
Whenever Dearness Allowance (DA) crosses certain thresholds (e.g. 50%), the 7th Pay Commission mandates upward revisions in other allowances: HRA rates automatically increased to 30% (X), 20% (Y), and 10% (Z); Children Education Allowance (CEA) and Hostel Subsidy increased by 25%; and Transport Allowance increases because DA is applied directly on base TPTA.
4. What is the employer contribution under the National Pension System (NPS)?
Under the National Pension System (NPS), the employee contributes 10% of (Basic Pay + DA), while the Central Government contributes 14% of (Basic Pay + DA). This employer contribution goes directly into your PRAN retirement account and is included in your overall Annual CTC (Cost to Government).