IBM In-Hand Salary Calculator
Technology & consulting firm with a standard split. For a ₹10L CTC, the estimated take-home is about ₹69,517/month. Enter your own offer below for an exact breakdown.
Estimated monthly in-hand
₹69,517
Annual in-hand
₹8,34,198
83.4% of cash CTC
| Cash CTC (annual) | ₹10,00,000 |
| Basic salary | ₹4,20,000 |
| Variable / bonus (paid separately) | ₹1,00,000 |
| Employer PF | − ₹21,600 |
| Gratuity | − ₹20,202 |
| Employee PF | − ₹21,600 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹0 |
| Annual in-hand (take-home) | ₹8,34,198 |
Example: ₹10L CTC, 42% basic, 10% variable. Typical structure, not official. FY 2025-26 (AY 2026-27).
Estimating your IBM take-home
IBM salary offers, like all Indian CTCs, bundle employer PF and gratuity that never reach you as cash. On this ₹10L example, income tax is about ₹0/year and you build ₹43,200/year in EPF savings.
Your real number depends on your level, location and stock component. Put your exact CTC into the calculator to see your monthly in-hand.
Calculate your exact IBM offer
₹10L per year
Estimated monthly in-hand
₹69,517
₹8,34,198 / year · 83.4% of cash CTC take-home
New vs Old regime
New regime
₹69,517/mo
tax ₹0
Old regime
₹63,958/mo
tax ₹66,705
The new regime gives you ₹66,705 more per year (assuming ₹1,50,000 of old-regime deductions).
Estimate for FY 2025-26 (new regime default). Actual pay varies with your exact salary structure and employer policy. Not tax advice.
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Frequently asked questions
What is the in-hand salary at IBM for a ₹10L CTC? +
Using IBM's typical structure (42% basic, 10% variable), a ₹10L cash CTC gives about ₹69,517/month in-hand under the new regime for FY 2025-26.
How is IBM's salary structured? +
Technology & consulting firm with a standard split. These are typical, community-observed patterns — your actual offer letter is the source of truth. Use the calculator to enter your exact numbers.
Does this include stock / RSUs? +
Cash in-hand excludes stock. If your offer includes RSUs, add the annual vesting value in the calculator's advanced options to see total compensation.
Are these official numbers? +
No. IBM salary structures vary by role, level and location. This tool gives an estimate from a typical split; always rely on your official offer letter.