₹10 Lakh CTC: Monthly In-Hand Salary
A ₹10 lakh CTC gives about ₹77,900 a month in hand under the new tax regime. With no deductions claimed, the old regime leaves about ₹70,200 a month. Estimate for FY 2026-27 (AY 2027-28), same slabs as FY 2025-26.
How the ₹10 lakh CTC breaks down
| Component | Per year | Per month |
|---|---|---|
| Basic pay | ₹4,00,000 | ₹33,333 |
| HRA | ₹2,00,000 | ₹16,667 |
| Special allowance | ₹3,09,160 | ₹25,763 |
| LTA | ₹50,000 | ₹4,167 |
| Gross salary | ₹9,59,160 | ₹79,930 |
| Employee PF (deducted) | ₹21,600 | ₹1,800 |
| Employer PF (inside CTC, not paid to you) | ₹21,600 | ₹1,800 |
| Gratuity (inside CTC, not paid to you) | ₹19,240 | ₹1,603 |
New regime vs old regime
| New regime | Old regime, no deductions | Old regime, example deductions | |
|---|---|---|---|
| Taxable income | ₹8,84,160 | ₹8,85,160 | ₹5,41,760 |
| Income tax with cess | ₹0 | ₹93,113 | ₹21,686 |
| In-hand per month | ₹77,930 | ₹70,171 | ₹76,123 |
Example deductions: ₹15,000 monthly rent in a metro (HRA exemption), the full ₹1.5 lakh under 80C (your employee PF counts towards it), ₹25,000 of health insurance and ₹50,000 in NPS. With these, the new regime still costs less for a ₹10 lakh CTC.
Assumptions behind these figures
- Basic pay is 40% of CTC, HRA is 50% of basic (metro), LTA is 5% of CTC, and gratuity is 4.81% of basic. Special allowance is the balance.
- Employee PF is 12% of basic, capped at the ₹15,000 wage ceiling (₹21,600 a year). Employer PF is the same amount.
- Professional tax is ₹2,400 a year. It differs by state and some states charge none.
- Rules as of FY 2026-27 (AY 2027-28), same slabs as FY 2025-26: new regime standard deduction ₹75,000, no tax up to ₹12 lakh taxable income, 4% cess. Surcharge, senior citizen slabs and capital gains are not included.
- Your payslip may be structured differently, so treat this as an estimate and confirm with your employer.
Frequently asked questions
What is the in-hand salary for a ₹10 lakh CTC?
At a ₹10 lakh CTC, the monthly in-hand salary is about ₹77,900 under the new tax regime. With no deductions claimed, the old regime leaves about ₹70,200 a month. These are estimates based on the assumptions listed on this page.
How much income tax is payable on a ₹10 lakh CTC?
Under the new regime the estimated income tax including cess is about ₹0 a year on a taxable income of ₹8,84,200. Under the old regime with no deductions it is about ₹93,100.
Which tax regime is better for a ₹10 lakh CTC?
With no deductions, the new regime costs less. If you claim rent, 80C, 80D and NPS as in the example on this page, the new regime costs less. Enter your own numbers in the calculator to see your result.
Why is my in-hand salary less than ₹10 lakh divided by 12?
CTC includes employer PF and gratuity that are not paid to you monthly, and your own PF, professional tax and income tax are deducted from the rest. This page assumes ₹21,600 of employer PF and ₹19,240 of gratuity a year.
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