10 LPA in-hand salary for 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, TDS on income tax is spread evenly 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 monthly (₹300 in one month in some states), with some states not charging it.
How the salary setup affects it
The same ₹10 lakh CTC can be split in different ways. Refer to your offer letter for details.
| 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 applies no income tax, so you end up with at least as much as you would under the old regime, no matter your deductions.
In-hand salary near 10 LPA
Jobs paying around ₹79,500 a month
61 open jobs on InnHirers advertise a pay range that reaches within 15% of this monthly gross pay.
- Finance Consultant Remote · ₹70,000–1 lakh a month
- Client Liaison Executive Ahmedabad · ₹40,000–80,000 a month
- Healthcare Admin Executive Remote · ₹40,000–70,000 a month
- Digital Marketing Strategist Remote · ₹45,000–80,000 a month
- Finance Executive Surat · ₹40,000–70,000 a month
- Finance Consultant Mumbai · ₹80,000–1.2 lakh a month
Frequently Asked Questions
What is the in-hand pay for 10 LPA?
Around ₹75,133 monthly (₹9,01,600 yearly) with the new tax regime for FY 2026-27, assuming basic pay is 40% of CTC, both you and your employer contribute 12% of basic to PF within the CTC, and ₹2,400 annually for professional tax. With the old regime and no other deductions, it is ₹67,956 monthly.
What income tax is there on a 10 LPA salary?
₹0 yearly under the new regime, with a taxable income of ₹8,77,000 after the ₹75,000 standard deduction. No tax is owed as taxable income stays within the ₹12 lakh limit of the Section 87A rebate. Under the old regime, it amounts to ₹86,133 before other deductions.
What is the monthly salary for 10 LPA before cuts?
Dividing the CTC by 12 gives ₹83,333. Your gross monthly pay is ₹79,333, as the employer's ₹4,000 monthly PF contribution is part of the CTC but goes to your PF account instead of your salary.
Which tax regime is better for 10 LPA, old or new?
With this salary, the new regime does not charge income tax, ensuring you keep at least as much as the old regime, no matter the deductions.
How much is PF cut from a 10 LPA salary?
It's ₹4,000 monthly: 12% of the ₹33,333 monthly basic pay, with an equal contribution from your employer. If your employer applies PF only to the ₹15,000 wage ceiling, it is ₹1,800 monthly, and your in-hand pay is 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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