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Enter your Pay Level, Basic Pay cell, city category, and current DA% to get an accurate breakdown of gross salary, HRA, TA, NPS deduction, and exact net in-hand amount for any central government post.
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Central government employee salary is calculated in two steps: first compute Gross Salary by adding all earnings, then subtract statutory deductions to arrive at Net In-Hand Salary.
Gross Salary Formula
Gross = Basic Pay + DA (60%) + HRA (30/20/10%) + TA + DA on TA
Deductions
Net In-Hand = Gross − NPS (10% of Basic+DA) − Professional Tax − CGHS − CGEGIS
HRA rates are linked to DA milestones. Since DA crossed 50%, the following rates apply:
| Class | HRA Rate | Cities Covered |
|---|---|---|
| Class X | 30% | Delhi, Mumbai, Chennai, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Pune |
| Class Y | 20% | State capitals, cities with 5–50 lakh population (e.g., Jaipur, Lucknow, Patna, Bhopal, Nagpur) |
| Class Z | 10% | All other cities, towns, and rural postings not classified under X or Y |
Source: 7th CPC Pay Matrix, DoPT OM on HRA revision. Next revision triggers when DA crosses 100% → rates become 33/22/11%.
DA is revised twice a year (January and July) based on the AICPI-IW index. As DA crossed 50%, HRA also stepped up to 30/20/10%.
| Effective From | DA Rate | HRA Triggered |
|---|---|---|
| January 2023 | 38% | No change |
| July 2023 | 42% | No change |
| January 2024 | 50% | HRA stepped up to 27/18/9% |
| July 2024 (revised) | 53% | No HRA change |
| January 2025 | 55% | No HRA change |
| July 2025 | 57% | No HRA change |
| January 2026 (current) | 60% | HRA stepped up to 30/20/10% |