10 LPA in-hand pay (FY 2026-27)
A CTC of ₹10 lakh a year works out to about ₹75,133 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹75,133
New regime · ₹9,01,600 a year
- Old regime
- ₹67,956 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹79,333 a month
- Your PF
- ₹4,000 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹10,00,000 | ₹10,00,000 |
| Employer PF | −₹48,000 | −₹48,000 |
| Gross salary | ₹9,52,000 | ₹9,52,000 |
| Your PF | −₹48,000 | −₹48,000 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹8,77,000 | ₹8,51,600 |
| Income tax with cess | −₹0 | −₹86,133 |
| In hand a year | ₹9,01,600 | ₹8,15,467 |
| In hand a month | ₹75,133 | ₹67,956 |
A month's payslip at 10 LPA
New tax regime, with income tax (TDS) evenly spread throughout the year.
| Gross pay | ₹79,333 |
|---|---|
| Your PF | −₹4,000 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹75,133 |
Professional tax is generally ₹200 per month (₹300 during one month in some states), while some states do not charge it.
How changes in salary structure affect it
The same ₹10 lakh CTC can be divided in different ways. Check your offer letter to see which applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹75,133 |
| Basic pay 50% of CTC | New | ₹73,133 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹79,533 |
| Employer PF paid on top of the CTC | New | ₹79,133 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹73,530 |
| No PF deducted | New | ₹83,133 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹70,157 |
Old or new tax regime?
The new regime charges no income tax on this salary, so it gives you at least as much as the old regime, regardless of deductions.
In-hand salary near 10 LPA
Jobs paying around ₹79,500 a month
189 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Operations Manager Durgapur · ₹60,000–90,000 a month
- Software Tester Mysuru · ₹50,000–90,000 a month
- UI/UX Designer Ahmedabad · ₹40,000–80,000 a month
- Software Developer Thane · ₹60,000–1 lakh a month
- Operations Executive Nellore · ₹40,000–70,000 a month
- Digital Marketing Coordinator Kochi · ₹40,000–70,000 a month
Frequently Asked Questions
What is the in-hand salary for a 10 LPA package?
With the new tax regime for FY 2026-27, it's about ₹75,133 per month (₹9,01,600 annually), assuming your basic pay is 40% of the CTC, PF is 12% of basic from you and your employer included in the CTC, and ₹2,400 annually for professional tax. Under the old regime, without extra deductions, it's ₹67,956 per month.
How much tax do I pay on a 10 LPA salary?
With the new regime, you owe ₹0 annually on a taxable income of ₹8,77,000 after the ₹75,000 standard deduction. No tax is payable as taxable income remains within the ₹12 lakh Section 87A rebate limit. Under the old regime, it's ₹86,133 before any extra deductions.
What is the gross monthly salary for 10 LPA before deductions?
Dividing the CTC by 12 gives ₹83,333. Your monthly gross salary is ₹79,333, as the employer's ₹4,000 monthly PF contribution is part of the CTC but is directed to your PF account instead of your salary.
Which tax regime is more beneficial for 10 LPA?
The new regime results in no income tax for this salary, ensuring you retain at least as much as the old regime, regardless of deductions.
What is the PF deduction for a 10 LPA salary?
₹4,000 monthly: 12% of ₹33,333 monthly basic pay, matched by your employer. If PF is only on the ₹15,000 wage ceiling, it's ₹1,800 monthly, raising your in-hand salary to about ₹79,533 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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