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7th Pay Commission Salary Calculator 2026

Compute basic pay, DA, HRA, transport allowance, NPS deductions and in-hand monthly salary under the 7th Central Pay Commission. Covers all 18 pay levels — from MTS (Level 1) to Cabinet Secretary (Level 18). Current rates: DA 55%, HRA 27/18/9% by city.

About the 7th Pay Commission

The 7th Central Pay Commission was implemented from 1 January 2016, restructuring all central government employee salaries into an 18-level pay matrix. Minimum basic pay is ₹18,000 (Level 1, MTS/Group D), maximum ₹2,50,000 (Level 18, Cabinet Secretary). Each level has annual cells with 3% annual increments. The matrix replaced the older grade-pay system and consolidated allowances into a cleaner structure.

Salary Components Explained

Basic Pay — fixed by pay level and cell; increases by 3% each year. DA — 55% (Jan 2026), revised Jan and Jul. HRA — 27% (Metro), 18% (large city), 9% (other) of basic. TA — ₹7,200 (L9+) or ₹3,600 (L1–8) plus DA on TA. NPS deduction — 10% of (Basic + DA) for post-2004 joiners. CGHS — flat ₹250 / ₹450 / ₹650 / ₹1,000 by pay level.

In-Hand Salary by Post (Approx, Y-city, 55% DA)

SSC MTS / Railway Group D ~₹30,000. SSC CHSL / LDC ~₹40,000. SSC CGL Assistant ~₹46,000. Railway NTPC ~₹52,000. SSC CGL Inspector ~₹78,000. IAS / IPS Entry ~₹98,000. Joint Secretary (L14) ~₹2,30,000. Income tax slabs apply on annual figures. Use the EMI Calculator to estimate loan affordability against your in-hand salary, and Age Calculator to check eligibility before applying.

Frequently Asked Questions

How is government salary calculated under 7th Pay Commission?
Gross salary = Basic Pay + DA (% of basic) + HRA (% of basic by city) + Transport Allowance. Deductions: NPS (10% of Basic+DA for post-2004 joiners), CGHS, income tax, and professional tax. Net (in-hand) salary = Gross − Deductions. This tool covers all 18 pay levels with current DA and HRA rates.
What is the current DA rate for Central Government employees?
DA (Dearness Allowance) is revised every January and July based on AICPI. As of January 2026, the rate is 55% of Basic Pay. The next revision is expected in July 2026. Older years: 50% (Jul 2025), 46% (Jan 2025), 42% (Jul 2024), 38% (Jan 2024).
What is HRA for government employees in 2026?
HRA depends on city classification: X-cities (Delhi, Mumbai, Chennai, Kolkata, Bangalore, Hyderabad, Ahmedabad, Pune) — 27% of Basic Pay. Y-cities (most state capitals and large cities) — 18%. Z-cities (other towns) — 9%. HRA was last revised when DA crossed 50%.
How is Transport Allowance (TA) calculated?
TA is based on pay level: Pay Level 9 and above — ₹7,200 + DA on TA. Pay Level 1–8 — ₹3,600 + DA on TA (or ₹1,800 + DA in lower city categories). Employees in cities listed for higher TA get the elevated rate. TA is fully exempt from income tax up to ₹3,200/month for blind/disabled employees.
What is the salary of SSC CGL, Railway, IAS officers approximately?
Approximate in-hand (Y city, 55% DA): SSC MTS (Level 1) ~₹30K, SSC CHSL/LDC (Level 3) ~₹40K, SSC CGL Assistant (Level 4) ~₹46K, Railway NTPC (Level 5) ~₹52K, SSC CGL Inspector (Level 7) ~₹78K, IAS/IPS Entry (Level 10) ~₹98K, Joint Secretary (Level 14) ~₹2.3L. Excludes special allowances.

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