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🇮🇳 India · FY 2025-26 Punjab Punjab PT ₹200/mo HRA40%

Punjab Income Tax Calculator.

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Quick context

Punjab levies Professional Tax of ₹200/month (~₹2400/year) on income above the slab threshold. Punjab cities qualify for 40% HRA exemption (tier-2 status under Section 10(13A)). Use the calculator below to compare Old vs New regime for your salary.

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India Income Tax Calculator — Punjab

₹
₹15.00 L per year
₹200/mo · ₹2400/yr
Old Regime deductions (only used if Old Regime is selected)+ Toggle
Old Regime
₹1,30,291
Taxable: ₹10.43 L
Deductions: ₹4.57 L
✓ Better
New Regime (default)
₹97,126
Taxable: ₹14.23 L
Deductions: ₹77,400 (auto)
💡 Recommendation

The New Regime saves you ₹33,165 in tax this year. New regime wins — you don't have enough deductions to beat the default lower slabs.

✨ Live · FY 2025-26 (AY 2026-27) slabs · Includes 4% cess and surcharge · Not legal/tax advice — consult a CA for filings.
Punjab About Punjab

Punjab economic profile.

Capital
Chandigarh
Avg Mid-Career Salary
₹10.0L
per year
Cost of Living
60
vs Mumbai = 100

Market overview

Punjab's economy is heavily agrarian (wheat-rice belt) but with significant industrial pockets — Mohali for IT/Pharma, Ludhiana for textiles and bicycles, Jalandhar for sports goods. Chandigarh (a Union Territory) functions as the joint capital with Haryana and hosts much of Punjab's administrative employment.

Top industries

AgricultureFood ProcessingTextilesSports Goods (Jalandhar)IT (Mohali)

Punjab-specific tax notes

Punjab introduced Professional Tax in 2018 — late compared to most southern states. PT cap is ₹2,500/year. Chandigarh (UT) does not levy PT — many Punjab residents who work in Chandigarh save the ₹2,500/year. All Punjab cities are HRA tier-2.

Professional Tax slab

Punjab PT: ₹200/mo for income above ₹20,833/mo. Maximum ₹2,500/year. State implemented PT only in 2018.

❓ Punjab FAQ

Common questions.

I live in Punjab but work in Chandigarh — what about Professional Tax?
Chandigarh is a Union Territory and does NOT levy Professional Tax. If your employer is registered in Chandigarh, you pay no PT — even if you live in Mohali (Punjab) or Panchkula (Haryana). This is a quiet ₹2,500/year savings for many Tricity-area workers. Your employer's state of registration determines PT, not your residence.
How does Punjab's late PT implementation affect existing employees?
Punjab implemented PT only in 2018 (very late by Indian standards). Pre-2018 Punjab employees suddenly had a new ₹2,500/year tax liability. Some employers absorbed this; others passed it through. Current Punjab employees should verify with their payroll that PT is being deducted correctly (it's tax-deductible against income tax).
Are Punjab agricultural earnings tax-exempt?
Agricultural income is exempt from Indian central income tax (Article 270, Constitution). However, agricultural income is "aggregated" for rate purposes — meaning a farmer with ₹5L agricultural and ₹5L salary income is taxed on the ₹5L salary at the slab rate applicable to ₹10L total. Most middle-class Punjab agricultural families face this dynamic.
🗺️ Other states

Tax calculator for other states.

Maharashtra
Maharashtra
PT ₹200/mo
Karnataka
Karnataka
PT ₹200/mo
Tamil Nadu
Tamil Nadu
PT ₹208/mo
Gujarat
Gujarat
PT ₹200/mo
Delhi (NCT)
Delhi (NCT)
No PT
Uttar Pradesh
Uttar Pradesh
No PT
West Bengal
West Bengal
PT ₹200/mo
Telangana
Telangana
PT ₹200/mo
Andhra Pradesh
Andhra Pradesh
PT ₹200/mo
Rajasthan
Rajasthan
No PT
Kerala
Kerala
PT ₹208/mo
Madhya Pradesh
Madhya Pradesh
PT ₹208/mo
Haryana
Haryana
No PT
Bihar
Bihar
No PT
Odisha
Odisha
PT ₹200/mo
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