Income Tax in Surat (Gujarat) FY 2025-26

Professional tax of Rs 2,400/year applies in Surat (Gujarat levies Rs 2,400/year professional tax. Employers deduct a flat Rs 200 per month under the Gujarat professional tax law. Surat follows the same Gujarat state PT schedule as Ahmedabad.). HRA exemption: 40% of basic salary (non-metro city under IT Act). All in-hand figures below account for PT, PF, and TDS.

PT: Rs 2,400/yr
HRA: 40% (Non-metro)
Top employers: Reliance, Adani, Garden Silk Mills

Zero Tax Salaries in Surat

Section 87A rebate covers full tax up to Rs 12,75,000 gross. Professional tax of Rs 200/month still deducted.

Rs 3 lakhZERO TAX
Old regimeZero
Monthly in-handRs 23,300
Rs 4 lakhZERO TAX
Old regimeZero
Monthly in-handRs 31,133
Rs 5 lakhZERO TAX
Old regimeZero
Monthly in-handRs 38,967
Rs 6 lakhZERO TAX
Old regimeRs 23,400
Monthly in-handRs 46,800
Rs 7 lakhZERO TAX
Old regimeRs 44,200
Monthly in-handRs 54,633
Rs 8 lakhZERO TAX
Old regimeRs 65,000
Monthly in-handRs 62,467
Rs 9 lakhZERO TAX
Old regimeRs 85,800
Monthly in-handRs 70,300
Rs 10 lakhZERO TAX
Old regimeRs 1,06,600
Monthly in-handRs 78,133
Rs 11 lakhZERO TAX
Old regimeRs 1,32,600
Monthly in-handRs 85,967

New Regime Tax Applies in Surat

Gross above Rs 12,75,000. Section 87A rebate does not apply. New regime still saves vs old regime at most salary levels.

Rs 13 lakhNew: Rs 66,300
Old regimeRs 1,95,000
Monthly in-handRs 96,108
Rs 14 lakhNew: Rs 81,900
Old regimeRs 2,26,200
Monthly in-handRs 1,02,642
Rs 15 lakhNew: Rs 97,500
Old regimeRs 2,57,400
Monthly in-handRs 1,09,175
Rs 18 lakhNew: Rs 1,50,800
Old regimeRs 3,51,000
Monthly in-handRs 1,28,233
Rs 20 lakhNew: Rs 1,92,400
Old regimeRs 4,13,400
Monthly in-handRs 1,40,434
Rs 25 lakhNew: Rs 3,19,800
Old regimeRs 5,69,400
Monthly in-handRs 1,68,983
Rs 30 lakhNew: Rs 4,75,800
Old regimeRs 7,25,400
Monthly in-handRs 1,95,150
Rs 35 lakhNew: Rs 6,31,800
Old regimeRs 8,81,400
Monthly in-handRs 2,21,317
Rs 40 lakhNew: Rs 7,87,800
Old regimeRs 10,37,400
Monthly in-handRs 2,47,483
Rs 50 lakhNew: Rs 10,99,800
Old regimeRs 13,49,400
Monthly in-handRs 2,99,817

Professional Tax in Surat: How It Works

Gujarat levies Rs 2,400/year professional tax. Employers deduct a flat Rs 200 per month under the Gujarat professional tax law. Surat follows the same Gujarat state PT schedule as Ahmedabad.. Your employer deducts PT monthly from gross pay before crediting your salary.

The monthly deduction is Rs 200 flat every month (no February variation). This Rs 2,400/year is not deductible under the new tax regime.

How Surat In-Hand Compares to Other Cities

At Rs 10 lakh salary. Only professional tax differs — income tax and PF are the same across all cities.

Monthly in-hand salary at Rs 10 lakh CTC across major Indian cities, FY 2025-26
CityStatePT/yearPT/monthMonthly in-hand
DelhiDelhiNilNilRs 78,333
NoidaUttar PradeshNilNilRs 78,333
GurgaonHaryanaNilNilRs 78,333
JaipurRajasthanNilNilRs 78,333
LucknowUttar PradeshNilNilRs 78,333
ChandigarhChandigarh (UT)NilNilRs 78,333
HyderabadTelanganaRs 2,400Rs 200Rs 78,133
AhmedabadGujaratRs 2,400Rs 200Rs 78,133
Surat (this city)GujaratRs 2,400Rs 200Rs 78,133
BangaloreKarnatakaRs 2,500Rs 208Rs 78,125
MumbaiMaharashtraRs 2,500Rs 208Rs 78,125
PuneMaharashtraRs 2,500Rs 208Rs 78,125
ChennaiTamil NaduRs 2,500Rs 208Rs 78,125
KolkataWest BengalRs 2,500Rs 208Rs 78,125
KochiKeralaRs 2,500Rs 208Rs 78,125
NagpurMaharashtraRs 2,500Rs 208Rs 78,125
CoimbatoreTamil NaduRs 2,500Rs 208Rs 78,125
VisakhapatnamAndhra PradeshRs 2,500Rs 208Rs 78,125
IndoreMadhya PradeshRs 2,500Rs 208Rs 78,125
BhopalMadhya PradeshRs 2,500Rs 208Rs 78,125

Browse Other City Tax Guides

Bangalore

Karnataka · PT: Rs 2,500/yr

View all Bangalore salary guides →

Mumbai

Maharashtra · PT: Rs 2,500/yr

View all Mumbai salary guides →

Delhi

Delhi · PT: Nil

View all Delhi salary guides →

Hyderabad

Telangana · PT: Rs 2,400/yr

View all Hyderabad salary guides →

Pune

Maharashtra · PT: Rs 2,500/yr

View all Pune salary guides →

Chennai

Tamil Nadu · PT: Rs 2,500/yr

View all Chennai salary guides →

Kolkata

West Bengal · PT: Rs 2,500/yr

View all Kolkata salary guides →

Ahmedabad

Gujarat · PT: Rs 2,400/yr

View all Ahmedabad salary guides →

Noida

Uttar Pradesh · PT: Nil

View all Noida salary guides →

Gurgaon

Haryana · PT: Nil

View all Gurgaon salary guides →

Kochi

Kerala · PT: Rs 2,500/yr

View all Kochi salary guides →

Jaipur

Rajasthan · PT: Nil

View all Jaipur salary guides →

Lucknow

Uttar Pradesh · PT: Nil

View all Lucknow salary guides →

Chandigarh

Chandigarh (UT) · PT: Nil

View all Chandigarh salary guides →

Nagpur

Maharashtra · PT: Rs 2,500/yr

View all Nagpur salary guides →

Coimbatore

Tamil Nadu · PT: Rs 2,500/yr

View all Coimbatore salary guides →

Visakhapatnam

Andhra Pradesh · PT: Rs 2,500/yr

View all Visakhapatnam salary guides →

Indore

Madhya Pradesh · PT: Rs 2,500/yr

View all Indore salary guides →

Bhopal

Madhya Pradesh · PT: Rs 2,500/yr

View all Bhopal salary guides →

Compare all cities on one pageorBrowse by salary level (all cities)

Frequently Asked Questions — Surat Income Tax

How much professional tax in Surat FY 2025-26?
Professional tax in Surat (Gujarat) is Rs 2,400/year for salaried employees above the income threshold. Gujarat levies Rs 2,400/year professional tax. Employers deduct a flat Rs 200 per month under the Gujarat professional tax law. Surat follows the same Gujarat state PT schedule as Ahmedabad.. This works out to Rs 200/month deducted from your monthly pay.
What is monthly in-hand for Rs 10 lakh salary in Surat?
For Rs 10 lakh CTC in Surat, monthly in-hand under the new regime is Rs Rs 78,133. Deductions: employee PF Rs 5,000/month (12% of basic), professional tax Rs 200/month, and zero TDS (tax is nil after Section 87A rebate). Income tax on Rs 10 lakh salary in Surat is zero under the new regime in FY 2025-26.
Is HRA exemption 40% or 50% in Surat?
Surat is classified as a non-metro city under the Income Tax Act. The HRA exemption rate is capped at 40% of basic salary (not 50% as in Mumbai, Delhi, or Chennai). Old regime filers in Surat get a smaller HRA deduction than metro cities, which narrows the old regime advantage for rent-payers.
How does Surat in-hand compare with Delhi at the same salary?
Delhi has no professional tax (Rs 0/year), while Surat charges Rs 2,400/year (Rs 200/month). At Rs 10 lakh salary, a Surat employee takes home Rs 200/month less than a Delhi employee at the same gross salary — a difference of Rs 2,400/year due to professional tax alone.
Which salary levels are zero-tax in Surat in FY 2025-26?
Under the new tax regime, all salaries up to Rs 12,75,000/year (Rs 12.75 lakh) are zero-tax in Surat — and in every Indian city. The Section 87A rebate covers the full tax liability for taxable income up to Rs 12 lakh (gross salary Rs 12,75,000 after Rs 75,000 standard deduction). This includes Rs 3L, Rs 4L, Rs 5L, Rs 6L, Rs 7L, Rs 8L, Rs 9L, Rs 10L, Rs 11L salaries shown on this page.

Disclaimer: All figures are indicative for FY 2025-26. Standard assumptions: 50% basic salary, employee PF at 12% of basic, no additional Chapter VI-A deductions under new regime, standard deduction Rs 75,000. Actual tax and in-hand depend on exact salary structure and declared deductions. Not financial or tax advice.