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
In the new tax regime, income tax (TDS) is divided equally across 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 mostly ₹200 monthly (₹300 one month in certain states), while some states don't charge it.
How salary structure affects it
The same ₹10 lakh CTC can be divided in different ways. Look at your offer letter to see which way 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 doesn’t charge income tax, so it gives you at least as much as the old one, no matter your deductions.
In-hand salary near 10 LPA
Jobs paying around ₹79,500 a month
21 open jobs on Daily Hirer advertise a pay range that reaches within 15% of this monthly gross pay.
- Software Developer Kochi · ₹50,000–80,000 a month
- Project Manager Navi Mumbai · ₹60,000–90,000 a month
- Project Manager Noida · ₹70,000–1 lakh a month
- Project Manager Siliguri · ₹60,000–1 lakh a month
- Software Developer Kozhikode · ₹50,000–80,000 a month
- Content Strategist Remote · ₹40,000–70,000 a month
Frequently Asked Questions
What is the in-hand pay for 10 LPA?
Around ₹75,133 each month (₹9,01,600 yearly) under the new tax rules for FY 2026-27, assuming basic pay makes up 40% of CTC, with 12% PF from both you and your employer included in the CTC, and ₹2,400 a year as professional tax. With the old rules and no extra deductions, it is ₹67,956 monthly.
What is the income tax on a 10 LPA pay?
Under the new rules, it's ₹0 yearly on taxable income of ₹8,77,000 after a ₹75,000 standard deduction. No tax is owed because the taxable amount stays within the ₹12 lakh cap for the Section 87A rebate. With the old rules, it totals ₹86,133 before any other deductions.
What is the pay each month for 10 LPA before cuts?
Dividing the CTC by 12 gives ₹83,333. Your monthly gross pay is ₹79,333, since the employer's ₹4,000 monthly PF, although part of the CTC, goes to your PF account instead of your salary.
Is the old or new tax scheme better for 10 LPA?
With no income tax charged at this salary, the new rules give you at least as much as the old ones, no matter your deductions.
What is the PF cut from a 10 LPA pay?
It's ₹4,000 monthly: 12% of the basic pay of ₹33,333, matched by your employer. If the employer limits PF to the ₹15,000 wage cap, it's ₹1,800 monthly, raising your in-hand pay to around ₹79,533.
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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