Question 1

What is 7th CPC in-hand salary?

Accepted Answer

It's the money that actually reaches your bank each month under the 7th Pay Commission structure — your basic pay plus DA, HRA and Transport Allowance, minus deductions like NPS and CGHS/CGEGIS. It's lower than your gross because of those deductions (and income tax).

Question 2

How do I find my basic pay from level and cell?

Accepted Answer

The 7th CPC pay matrix is a grid. Your Level (1–18) comes from your post; your Cell is how many annual increments you've earned within that level. Pick both and the calculator shows the exact basic pay from the official matrix.

Question 3

What is the current DA rate?

Accepted Answer

Dearness Allowance is 60% of basic pay, effective 1 January 2026. It's revised twice a year. You can change the DA field if a newer rate applies to you.

Question 4

How is HRA calculated?

Accepted Answer

House Rent Allowance is a percentage of basic pay based on your city: 30% for X (metro), 20% for Y, and 10% for Z, at the current DA level. Because it's a percentage of basic, it rises as your basic rises.

Question 5

Why is my in-hand less than my gross?

Accepted Answer

Gross is everything you earn (basic + DA + HRA + TA). Take-home is what's left after NPS (10% of basic + DA), CGHS/CGEGIS, and income tax. This tool shows take-home before income tax, since tax depends on your regime and declarations.

Question 6

Is this calculator official?

Accepted Answer

No. It's an illustrative tool based on the published 7th CPC pay matrix and allowance rules, and it's not affiliated with or endorsed by any government body. Refer to official notifications for exact figures.

Your 7th CPC in-hand salary.

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