10 LPA In-Hand Salary Per Month Breakdown
Exact take-home salary, tax liability under New vs Old Regime, and monthly EPF contributions for an annual package of ₹10 Lakhs.
₹10 Lakhs
₹10,00,000 / year
₹78,133
After tax & EPF
₹0 (Zero Tax)
Sec 87A Rebate eligible
₹5,000
12% of basic pay
Understanding Your 10 LPA Package In-Hand Salary
When an employer offers a package of ₹10 Lakhs (10 LPA CTC), your gross monthly pay is ₹83,333.333. However, the actual credited amount in your bank account (net take-home) depends on mandatory statutory deductions such as Employee Provident Fund (EPF), Professional Tax (typically ₹200/month), and Income Tax (TDS).
Key Takeaways for 10 LPA CTC
- Under the New Tax Regime FY 2026-27, a 10 LPA package enjoys zero effective income tax thanks to the Section 87A rebate and ₹75,000 standard deduction.
- Monthly EPF contribution is ₹5,000 (12% of basic pay assuming 50% basic structure).
- Net monthly take-home salary is approximately ₹78,133 under the New Regime vs ₹70,290 under the Old Regime.
Old vs New Tax Regime Comparison
Under FY 2026-27 rules, the New Tax Regime offers a standard deduction of ₹75,000 and zero tax for taxable income up to ₹12 Lakhs (via Section 87A rebate). For a 10 LPA package, the New Regime provides an estimated net monthly in-hand salary of ₹78,133 compared to ₹70,290 under the Old Regime without extra 80C/80D investments.
Customize 10 LPA In-Hand Calculations
Adjust your exact basic salary percentage, custom allowances, employer NPS, or HRA exemptions to recalculate your take-home pay.
Salary Calculator
In-hand & take home salary for old and new tax regimes
Deductions (New Regime)
Results
| Component | Yearly | Monthly |
|---|---|---|
| CTC | ₹10,00,000 | ₹83,333 |
| Gross | ₹0 | ₹0 |
| Standard Deduction | ₹75,000 | ₹6,250 |
| Take Home | ₹0 | ₹0 |
| In-Hand | -₹2,400 | -₹200 |
| Income Tax | 0 (after rebate) | 0 |
Explanation of Calculations
- Gross Salary:Gross Salary (₹0) = CTC (₹10,00,000) - EPF (₹21,600) - Gratuity (₹25,000).
- Take Home:Take Home (₹0) = Gross (₹0) - Income Tax (₹0).
- In-Hand:In-Hand (-₹2,400) = Take Home (₹0) - Professional Tax (₹2,400) - 80C (₹0) - NPS 80CCD(1B) (₹0) - Mediclaim 80D (₹0) - Donations 80G (₹0) - Home Loan Interest 80EEA (₹0) - Education Loan Interest 80E (₹0) - Rent (₹0) - Employer NPS (₹0).
- Taxable Income:Taxable Income (₹9,22,600) = CTC (₹10,00,000) - Deductions (as per selected regime).
- Income Tax:Calculated as per regime slabs and cess. See above for details.
Explore Nearby Salary Packages
Compare take-home salary and tax breakdowns across different CTC tiers in India:
Authoritative References
- Income Tax Department, Government of India: incometaxindia.gov.in
- Employees’ Provident Fund Organisation (EPFO): epfindia.gov.in