In-Hand Salary from 10 LPA (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
Under the new tax regime, income tax (TDS) is evenly distributed 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 typically ₹200 per month (₹300 in one month in certain states), but some states do not charge it at all.
Impact of the Salary Structure
The identical ₹10 lakh CTC is divided in various ways. Refer to your offer letter to know which applies to you.
| 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?
With this salary, the new regime imposes no income tax, so you retain at least the same amount as under the old regime regardless of your deductions.
In-hand salary near 10 LPA
Jobs paying around ₹79,500 a month
127 open jobs on Careerwood Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
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