Calculate complete in-hand salary for Central Government employees with all allowances and deductions
As per 7th CPC pay matrix
Voluntary, applies only if you have GPF account
Based on pay level (Level 1: ₹250, Level 2-5: ₹450, Level 6: ₹650, Level 7+: ₹1,000)
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A Central Government employee's salary consists of multiple components governed by the 7th Central Pay Commission. Understanding each component helps you read your pay slip and plan finances.
Each post is assigned a "Level" in the Pay Matrix with Cell numbers indicating pay progression. Annual increments move you up the cells, promotions move you to higher levels.
9 metros: Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Pune, Surat
~98 cities including state capitals, major districts
All other towns and rural areas
13 cities qualify for higher Transport Allowance: Hyderabad, Delhi, Bengaluru, Greater Mumbai, Chennai, Kolkata, Ahmedabad, Surat, Nagpur, Pune, Jaipur, Lucknow, Kanpur.
3% increment is granted each year on 1st July (or 1st January based on date of promotion). It moves you one cell up in the Pay Matrix. Effective increase is roughly 3% on basic each year.
Variations arise from: special allowances, additional duty allowances, recovery of advances, additional CGHS contribution for family, voluntary contributions, professional tax (state-specific), and personal income tax variations based on declared deductions.
Transport Allowance (TA) and Transportation Allowance (TPT) are the same thing — it's a fixed monthly allowance to cover daily commute. The amount depends on your Pay Level and city category. DA percentage is added on top of fixed TPT.
HRA is paid when you live in private/rented accommodation. If you're allotted government housing (Type II/III/IV), HRA is forfeited and you pay nominal license fee. The choice is usually based on availability and economic comparison.
CGHS is mandatory for Central Government employees in CGHS-covered cities. In other cities, employees may opt for medical reimbursement under CSMA Rules. You cannot completely opt out.
GPF (for OPS employees only) is a savings scheme — your contribution earns interest (currently ~7.1%) and is fully refundable at retirement, tax-free. NPS is a pension scheme — corpus is split 60% lump sum + 40% annuity at retirement.
Generally, Old Regime is better if you have HRA, 80C (NPS+GPF+Insurance), home loan interest, and other deductions exceeding ₹3-4 lakh annually. New Regime is simpler and better for those without significant deductions.
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