FY 2026-27 · India

10 LPA in-hand salary: about INR 71,121 a month.

On a CTC of INR 10,00,000 a year you take home about INR 71,121 a month under the new tax regime and INR 64,778 under the old regime.

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What changes at 10 LPA

A raise to just under 13.92 LPA stays free of income tax. One a little above it leaves you with less.

At 10 LPA the new regime takes no income tax: taxable income is INR 8,40,950, and the rebate cancels its INR 24,095 of slab tax. With the same structure that holds for a raise of up to 39%, to a CTC just under 13.92 LPA, and each extra INR 1 lakh of CTC on the way adds about INR 85,595 a year in hand, after the employer's PF and gratuity and your own PF.

Past that line the rebate gives way to marginal relief, which lets the tax reach every rupee of taxable income above INR 12 lakh, with the 4% cess on top. Each extra rupee of taxable income there costs INR 1.04 in tax and cess, so a higher CTC leaves less in hand: at 14.5 LPA you would take home INR 11,83,375 a year, INR 5,605 less than at 13.92 LPA.

Only from about 14.8 LPA does an offer leave more in hand than 13.92 LPA does. Weighing an offer from 10 LPA, compare the in-hand pay, not the CTC.

The breakdown

From a 10 LPA CTC to your bank account.

Basic pay at 50% of CTC, PF at 12% of full basic for you and your employer, gratuity at 4.81% of basic inside the CTC, the Maharashtra rate of professional tax for men, no variable pay and no old regime deductions beyond PF and professional tax.

Each month

10 LPA salary breakdown under both regimes, monthly
Line	New regime	Old regime
Gross salary	INR 76,329	INR 76,329
Employee PF	-INR 5,000	-INR 5,000
Professional tax	-INR 208	-INR 208
Income tax and cess	INR 0	-INR 6,343
In-hand	INR 71,121	INR 64,778

For the year

10 LPA salary breakdown under both regimes, yearly
Line	New regime	Old regime
CTC	INR 10,00,000	INR 10,00,000
Employer PF	-INR 60,000	-INR 60,000
Gratuity provision	-INR 24,050	-INR 24,050
Gross salary	INR 9,15,950	INR 9,15,950
Employee PF	-INR 60,000	-INR 60,000
Professional tax	-INR 2,500	-INR 2,500
Income tax and cess	INR 0	-INR 76,118
In-hand for the year	INR 8,53,450	INR 7,77,332

Questions

10 LPA in-hand salary, answered.

How big a raise can I take at 10 LPA before paying income tax?

Up to about 39%, to a CTC just under 13.92 LPA, with basic at half the CTC under the new regime. That is where taxable income reaches INR 12 lakh.

Can a raise reduce my in-hand salary?

Yes, in a narrow band. Between about 13.92 LPA and 14.8 LPA with this structure, a higher CTC leaves less in hand than 13.92 LPA does, because marginal relief and cess take more than the extra pay adds.

Can the old regime come out ahead at 10 LPA?

Never at this salary. The old regime's INR 76,118 a year of income tax is the new regime's whole lead, and its deductions can do no more than cut that to zero.

Other levels and sources

Compare another CTC.

Figures are estimates from the FY 2026-27 rules, checked on 22 October 2026. Your employer's payroll and salary structure can change them, and this is not tax advice.

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