₹10 LPA In Hand: The Real Monthly Number
A ₹10 LPA CTC works out to approximately ₹77,930 in-hand per month, after ₹0 in income tax and ₹1,800 in employee PF, assuming the new tax regime and a basic salary of 40% of CTC. Before tax, the same package would show ₹77,930/month, the tax portion is what most generic "in-hand" numbers online skip. As a package, ₹10 LPA is typical for professionals with roughly 2-5 years of experience, particularly in IT, services, and BFSI.
CTC Breakdown (40% basic, HRA at 40% of basic)
| Component | Annual | Monthly |
|---|---|---|
| Basic Salary | ₹4,00,000 | ₹33,333 |
| HRA | ₹1,60,000 | ₹13,333 |
| Special Allowance | ₹3,99,160 | ₹33,263 |
| Employer PF | ₹21,600 | ₹1,800 |
| Gratuity Provision | ₹19,240 | ₹1,603 |
| Annual CTC | ₹10,00,000 | ₹83,333 |
Deductions to Monthly In-Hand
| Component | Monthly Amount |
|---|---|
| Gross (after employer PF & gratuity) | ₹79,930 |
| Employee PF | - ₹1,800 |
| Professional Tax | - ₹200 |
| Income Tax (new regime) | - ₹0 |
| Monthly In-Hand (New Regime) | ₹77,930 |
| Monthly In-Hand (Old Regime, no rent claimed) | ₹70,129 |
Old-regime figure assumes no rent/HRA claim and only employee PF counted toward 80C. Add your actual rent in the calculator above for an accurate old-regime number.
Frequently Asked Questions
What is the in-hand salary for ₹10 LPA CTC?
Under the new tax regime, a ₹10 LPA CTC gives roughly ₹77,930/month in-hand, after income tax, employee PF, and professional tax. Your actual figure will vary based on your basic salary percentage, bonus structure, and whether your employer adds anything else on top of CTC.
How much income tax will I pay on ₹10 LPA?
On a ₹10 LPA CTC, estimated income tax under the new regime (after the ₹75,000 standard deduction) works out to about ₹0/year, or ₹0/month. This assumes no additional income and the default new-regime slabs, use the Income Tax Calculator to check the old regime if you claim HRA or 80C deductions.
Why is my in-hand salary lower than ₹10 LPA divided by 12?
Because CTC includes costs that never reach your bank account, employer PF contribution and gratuity provision are the two biggest ones. On ₹10 LPA, that alone removes roughly ₹3,403/month before tax and employee deductions are even applied.
Does employee PF reduce my take-home on a ₹10 LPA salary?
Yes. Employee PF is 12% of your basic salary (capped at ₹1,800/month if your employer applies the PF wage ceiling), and it's deducted directly from your gross pay, it doesn't reduce your CTC, but it does reduce what lands in your account. It's still your money, just locked into your PF account until retirement or an eligible withdrawal.
Old regime or new regime for a ₹10 LPA salary?
With no rent and only your employee PF counted toward 80C, the new regime gives you about ₹7,801/month more on ₹10 LPA, roughly ₹70,129/month under the old regime versus ₹77,930/month under the new regime. If you pay rent and claim HRA, or invest more in 80C, the old regime can close that gap, use the calculator above with your actual rent to check.
In Hand Salary for Other CTC Packages
Want to enter your exact CTC? Use the customizable Salary Calculator, check your Income Tax separately, or see your HRA exemption under the old regime.
Disclaimer: Figures above assume a 40% basic salary, HRA at 40% of basic, the new tax regime, and a flat ₹200/month professional tax, actual numbers depend on your employer's salary structure, state, and any additional income or deductions. This is an estimate, not a payslip.
Reviewed August 17, 2026 against FY 2026-27 rates. Sources: Income Tax Department (slabs & 87A rebate), EPFO (PF rules), Payment of Gratuity Act, 1972 (gratuity formula).