💰 7th Pay Commission In-Hand Salary Calculator (Central Govt)

Calculate your exact take-home salary, allowances, and mandatory government deductions based on official 7th CPC pay matrices.

Take-Home In-Hand Salary ~8.5 LPA In-Hand
₹71,320 estimated net in-hand monthly credit
Basic Pay: ₹44,900
Dearness Allowance (DA 50%): ₹22,450
House Rent Allowance (HRA): ₹13,470
Transport Allowance (TA + DA on TA): ₹5,400
Total Gross Monthly Salary: ₹86,220
Total Deductions (NPS + CGHS + PT): -₹14,900

Complete Breakdown of 7th CPC Central Government Salary

Understanding your post-recruitment take-home compensation is essential when comparing central government vacancies (SSC CGL Inspector vs Bank PO vs State PSC). Central government salaries consist of a structured base pay and allowances revised bi-annually with inflation:

Dearness Allowance (DA) & 50% Rule

DA is adjusted in January and July to compensate for consumer price index (CPI) changes. When DA reached 50% under 7th CPC rules, HRA rates were revised upward to 30% (X cities), 20% (Y cities), and 10% (Z cities).

National Pension System (NPS) Deduction

Under NPS, 10% of (Basic Pay + DA) is deducted from the employee's gross monthly pay. The Central Government matches this with a 14% employer contribution into the employee's PRAN account.

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