What will be my in hand pay if my CTC is 14lpa in tcs

80-85 k

78K

Given your CTC is 14L, 10% tds - 140,000 will be deducted, similar amount of PF/PPF(if availed) will be deducted, so assuming tcs doesn't deduct anything extra by means of insurance/esops etc you should get around 1-1.1L per month(pre-tax)

Divide by 2

90 to 92

80-85

21k

Multiply your CTC by .75 that be your approx in hand salary

88600 approximately

85-90k