Punesalary calculator
[ Maharashtra · take-home pay FY 2025-26 ]Pune is the IT capital that doesn't qualify as a metro. Despite Hinjewadi-area salaries matching Mumbai's on a like-for-like basis and rents in some neighbourhoods touching ₹40,000+ for a 2BHK, Rule 2A of the Income Tax Rules treats Pune as non-metro — HRA exemption caps at 40% of basic, not 50%. Because Pune is in Maharashtra, the Professional Tax structure is identical to Mumbai's: ₹200 a month for eleven months and ₹300 in February, totaling ₹2,500 a year at the constitutional ceiling.
For a ₹15,00,000 CTC in Pune at default 50% basic and the new regime, the calculator below shows about ₹1,00,300 a month in take-home. The HRA cap difference relative to Mumbai costs Pune employees about ₹75,000 of annual exemption at this CTC level under the old regime — though under the new regime, HRA exemption doesn't apply either way, so the metro classification stops mattering.
01 · Your salary
15.00 lakh · monthly ₹1,25,000
02 · Your take-home
₹96,413
₹1,00,299
CTC breakdownwhere your money goes
Monthly deductionswhat comes off your salary
Tax-saving investmentsold regime only
Tax breakdownnew regime · FY 2025-26
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Pune · the salary-structure details
Pune's non-metro HRA classification is the city's single biggest tax-structure friction. Rule 2A's four-city metro list (Delhi, Mumbai, Chennai, Kolkata) does not include Pune despite the city's economic profile. For an IT employee renting in Baner or Wakad at ₹35,000 a month on a ₹62,500 monthly basic, the 40% non-metro cap limits HRA exemption to ₹3,00,000 a year against ₹3,75,000 that the same person would claim if they lived in Mumbai. The two-hour drive south costs ₹75,000 of annual exemption capacity.
Maharashtra's Professional Tax applies uniformly across the state — Pune workers pay the same ₹200 monthly and ₹300-in-February structure as Mumbai workers. Annual total: ₹2,500 at the constitutional ceiling. Calculators that show a flat ₹200 × 12 = ₹2,400 figure miss the February surcharge by ₹100; the brackt calculator handles this correctly.
The Pune-specific consideration most employees raise is whether the proximity to Mumbai should change anything for tax purposes. It does not. HRA classification is at the city level, not the metro-region level. If your employer's office is in Mumbai but you live and pay rent in Pune, you claim Pune's 40% non-metro cap on HRA. Conversely, if you work in Pune but maintain a rented residence in Mumbai (and can substantiate the rent), the Mumbai 50% cap applies. The IT Department cares about residence, not commute distance.
Frequently asked questions
- Is Pune a metro for HRA exemption?
- No. Under Rule 2A, only Delhi, Mumbai, Chennai, and Kolkata are classified as metro. Pune falls under the 40% basic cap, not the 50% cap. For a ₹15 lakh CTC at 50% basic, this typically means ₹75,000 less HRA exemption per year than the same scenario in Mumbai.
- Does Maharashtra Professional Tax apply differently in Pune?
- No. Maharashtra's PT structure is statewide: ₹200 a month for eleven months and ₹300 in February. Annual total: ₹2,500 at the constitutional ceiling. Pune workers pay the same as Mumbai workers — the city you work in doesn't change the state's tax law.
- I commute from Pune to Mumbai weekly. Which city do I use for HRA?
- The city where you actually live and pay rent — Pune, in this case. HRA exemption is residence-based, not employer-based. If your primary rented residence is in Pune, you claim Pune's 40% non-metro cap. If you maintain a rented residence in Mumbai for work purposes and can substantiate that rent through bank transfers and an agreement, the Mumbai 50% cap can apply for that portion — but maintaining two residences and claiming HRA on both is a documentation burden.
- Why is Pune non-metro despite IT salaries matching Mumbai?
- Because Rule 2A under the Income Tax Rules has not been updated since 1962. The four-city metro list reflects population and economic centres at the time. Pune was a much smaller city then. The list has never been formally revised despite Bangalore, Hyderabad, Pune, Gurgaon, and several others now matching the original metros on cost-of-living and salary scale. There is no current policy proposal to update the list.