Chennai In-Hand Salary — Take-Home by CTC (2025-26)
Calculate your take-home salary in Chennai for any CTC range. Chennai is classified as a metro city for HRA purposes, which means your HRA exemption is 50% of basic salary. Average rent in Chennai is around ₹17,000 per month.
Last Updated: March 2025
City Classification
Metro City
HRA: 50% of basic
Average Monthly Rent
₹17,000
1BHK apartment
State
Tamil Nadu
Prof. Tax: ₹2,400/yr
Take-Home Salary in Chennai by CTC
HRA Benefit in Chennai
Since Chennai is a metro city, you can claim up to 50% of your basic salary as HRA exemption (under old regime). This higher limit significantly reduces your taxable income if you pay substantial rent.
Example: 10 LPA in Chennai
If you earn 10 LPA and pay ₹17,000 rent in Chennai:
- Basic Salary: ₹4,00,000/year (₹33,333/month)
- HRA Received: ₹2,00,000/year
- Annual Rent: ₹2,04,000
- Monthly Take-Home (New Regime): ₹60,303
Cost of Living in Chennai
Chennai has a moderate cost of living with affordable housing in IT corridors like OMR and Porur.
| Expense | Monthly Range (₹) |
|---|---|
| 1BHK Rent | 10,000 - 18,000 |
| 2BHK Rent | 15,000 - 30,000 |
| Food & Groceries | 4,000 - 7,000 |
| Transport | 1,500 - 3,500 |