In-Hand Salary for 10 LPA CTC
A ₹10 LPA (₹10L) cash CTC in India works out to roughly ₹63,996 per month in-hand (₹7,67,955/year) under the new regime for FY 2025-26 (AY 2026-27). Full breakdown below — adjust the split for your exact offer.
Estimated monthly in-hand
₹63,996
Annual in-hand
₹7,67,955
76.8% of cash CTC
| Cash CTC (annual) | ₹10,00,000 |
| Basic salary | ₹4,50,000 |
| Variable / bonus (paid separately) | ₹1,00,000 |
| Employer PF | − ₹54,000 |
| Gratuity | − ₹21,645 |
| Employee PF | − ₹54,000 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹0 |
| Annual in-hand (take-home) | ₹7,67,955 |
Assumes 45% basic, 10% variable, PF on actual basic. Estimate for FY 2025-26 (AY 2026-27).
What ₹10 LPA really means
Your ₹10 LPA CTC includes the employer's PF and gratuity, which never reach you as cash. After removing those and deducting your own EPF (₹54,000), professional tax and income tax (₹0), your take-home is about ₹63,996/month.
You're also building ₹1,08,000/year of EPF retirement savings (employer + employee) that isn't in your monthly in-hand but is still your money.
Want to tweak the numbers for your offer? Use the live calculator below.
Adjust for your exact offer
₹10L per year
Estimated monthly in-hand
₹63,996
₹7,67,955 / year · 76.8% of cash CTC take-home
New vs Old regime
New regime
₹63,996/mo
tax ₹0
Old regime
₹59,024/mo
tax ₹59,666
The new regime gives you ₹59,666 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.
See take-home on every job post — automatically
The free SalaryLens Chrome extension shows the real in-hand salary right on LinkedIn & Naukri listings, so you never have to copy a CTC into a calculator again.
In-hand salary for other CTCs
Get salary & tax tips for Indian techies
Occasional, no-spam emails on take-home pay, tax-saving and negotiation. Unsubscribe anytime.
Frequently asked questions
What is the in-hand salary for 10 LPA in India? +
For a ₹10 LPA cash CTC with a typical 45% basic and 10% variable, the estimated monthly in-hand is about ₹63,996 under the new regime for FY 2025-26 — roughly 76.8% of your cash CTC.
How much tax do I pay on 10 LPA? +
The estimated annual income tax (new regime, incl. 4% cess) on a ₹10 LPA CTC is about ₹0. Your exact tax depends on your salary structure and chosen regime.
What is the monthly take-home for 10 LPA? +
About ₹63,996 per month, after removing employer PF and gratuity from CTC and deducting your EPF, professional tax and income tax.
New or old regime for this CTC? +
The new regime gives about ₹59,666 more per year here (assuming ₹1.5L of old-regime deductions).