United States
Estimate federal and state taxes and your potential take-home lottery prize.
Lottery Prize Take-Home Calculator (India)
Enter your prize and state to see agent commission, TDS deducted at the counter, and your final tax after surcharge and cess — the number most calculators leave out.
Enter winning details
Nagaland pays the advertised prize directly; no agent commission is deducted from the winner.
Tiers vary by draw and scheme — check your ticket and the official result sheet.
Auto-filled from the state above. Kerala deducts roughly 10% as agent commission before tax. Override if your ticket says otherwise.
Used only to work out which surcharge band you land in. Leave at 0 if unsure.
Final amount you keep
—
After commission, TDS, surcharge and cess
At the lottery counter
Advertised prize—
Agent commission—
Prize after commission—
TDS deducted (Sec 194B)—
Cheque you receive—
When you file your ITR
Base tax @ 30%—
Surcharge—
Health & education cess 4%—
Total tax liability—
Still to pay / (refund)—
How the deductions actually stack up
Most take-home calculators stop at 31.2% and tell you a ₹1 crore prize leaves you ₹68.8 lakh. That is only the TDS deducted at source. Two things change the real number.
- Agent commission. In Kerala, the selling agent commission — around 10% — comes off the prize before tax is worked out. Nagaland, Sikkim and West Bengal schemes generally pay the advertised prize without this deduction.
- Surcharge. TDS under Section 194B is a flat 30%, plus 4% cess in practice. But at ITR time your winnings are taxed under Section 115BB, and once total income crosses ₹50 lakh a surcharge of 10% applies, rising to 15% above ₹1 crore. That surcharge is not collected at the counter — you pay it when you file.
| Prize | State | Cheque at counter | Final tax | You actually keep |
|---|---|---|---|---|
| ₹1 crore | Nagaland / Sambad | ₹68,80,000 | ₹34,32,000 | ₹65,68,000 |
| ₹1 crore | Kerala | ₹61,92,000 | ₹30,88,800 | ₹59,11,200 |
| ₹5 crore | Nagaland / Sambad | ₹3,44,00,000 | ₹1,79,40,000 | ₹3,20,60,000 |
| ₹9,000 | Any | ₹9,000 (no TDS) | ₹2,808 | ₹6,192 |
Figures assume no other income. Marginal relief may reduce surcharge slightly just above each threshold.
Common questions
Is a prize under ₹10,000 tax free?
No. ₹10,000 is the threshold for TDS deduction, not an exemption. A ₹9,000 prize is handed to you in full, but it is still taxable at 30% plus cess under Section 115BB and must be declared in your return. This is the most common misunderstanding about small lottery prizes.
Why does Kerala pay less than Nagaland for the same prize?
The Kerala structure deducts the selling agent commission — about 10% — from the prize before tax is calculated. On a ₹1 crore prize that is ₹10 lakh gone before a rupee of tax is worked out, which is why a Kerala ₹1 crore winner keeps meaningfully less than a Nagaland winner of the same headline amount.
Can I claim a refund of the TDS deducted?
Generally no. Lottery income is taxed at a flat 30% under Section 115BB with no basic exemption limit, and no Chapter VI-A deductions are allowed against it. The TDS already deducted is usually close to your final liability, and if surcharge applies you may owe more, not less.
Do I pay tax again when I invest the money?
The prize itself is taxed once. Anything you subsequently earn from it — interest, rent, capital gains — is separate income taxed under its own rules.
Disclaimer: This calculator gives an estimate based on Section 194B and Section 115BB of the Income Tax Act and publicly documented state lottery prize structures. It is not affiliated with, endorsed by, or connected to any state lottery department or the Government of India. Agent commission rates, surcharge bands and marginal relief can change and vary by scheme. Verify with the official lottery department and a qualified tax professional before acting on any figure shown here.
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Important: Tax treatment differs by country, state and prize type. Our international calculators are intended as estimates for informational purposes and should be checked against current official rules before financial decisions are made.
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