# 10 LPA In-Hand Salary: INR 71,100 a Month (FY 2026-27) > 10 LPA in hand salary in FY 2026-27 is about INR 71,100 a month with zero income tax. See PF, gratuity, the old regime and the full breakup. Source: https://trykosh.com/tools/10-lpa-in-hand-salary Free tool - Salary and retirement # 10 LPA in-hand salary: what INR 10 lakh CTC pays each month On a 10 LPA CTC you take home about INR 71,121 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. Rules checked 25 October 2026Free - no sign-upRuns in your browser In-hand salary per month INR 71,121 INR 8,53,450 a year Take-home **INR 8,53,450**PF (both shares) **INR 1,20,000**Gratuity + PT **INR 26,550** CTC INR 10,00,000 − Employer PF INR 60,000 − Gratuity provision (4.81% of basic) INR 24,050 Gross salary INR 9,15,950 − Your PF (12% of basic) INR 60,000 − Professional tax INR 2,500 − Income tax (new regime) INR 0 Take-home for the year INR 8,53,450 Basic works out to INR 41,667 a month. PF is still your money: it grows at 8.25% a year in your EPF account. ## Upload your statement and Kosh does this for you. Knowing you get INR 71,121 is the start; Kosh shows where it goes. Upload a salary slip or bank statement and it finds the subscriptions, fees and leaks eating your month, picks your tax regime from your real deductions and sets a daily plan to save more of your 10 LPA. [Start free](/signup?via=tool-10-lpa-in-hand-salary) ## How the 10 LPA in-hand salary works A 10 LPA package means a cost to company of INR 10 lakh a year. Assuming basic pay at half of CTC (the Labour Codes floor), your employer's 12% PF contribution (INR 60,000) and a gratuity provision of 4.81% of basic (INR 24,050) sit inside that CTC but never reach your account, so your gross salary is INR 9,15,950, or INR 76,329 a month. From gross, your own 12% PF (INR 60,000 a year) and INR 2,500 of professional tax are deducted; income tax is nil in the new regime. That leaves INR 8,53,450 a year, about INR 71,121 a month: 85% of your CTC. Tax is zero because your taxable income after the INR 75,000 standard deduction is INR 8,40,950, and the section 87A rebate cancels the INR 24,095 of slab tax on it (the rebate covers taxable income up to INR 12 lakh). The old regime would cost you INR 57,398 a year even with INR 1.5 lakh of 80C, so the new regime is the clear pick unless you have large HRA or home-loan deductions. The old regime only beats the new one if your total old-regime deductions (80C including your PF, HRA, 80D health insurance, home-loan interest) come to more than INR 3,65,950 a year. Your PF alone counts for INR 60,000 of that. Compared with 9 LPA (INR 63,988 a month), the extra INR 1 lakh of CTC adds INR 7,133 a month to take-home, INR 7,133 for each lakh; the rest goes to PF and gratuity. In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax ## Worked example: 10 LPA with PF on the INR 15,000 ceiling Some employers cap PF at 12% of INR 15,000 (INR 1,800 a month each) rather than 12% of full basic (INR 5,000). At 10 LPA that leaves INR 9,54,350 of gross salary and INR 77,521 a month in hand, INR 6,400 more than with full PF, but INR 76,800 a year less going into your EPF. In-hand salary per month INR 77,521 INR 9,30,250 a year Take-home **INR 9,30,250**PF (both shares) **INR 43,200**Gratuity + PT **INR 26,550** CTC INR 10,00,000 − Employer PF INR 21,600 − Gratuity provision (4.81% of basic) INR 24,050 Gross salary INR 9,54,350 − Your PF (12% of basic) INR 21,600 − Professional tax INR 2,500 − Income tax (new regime) INR 0 Take-home for the year INR 9,30,250 Basic works out to INR 41,667 a month. PF is still your money: it grows at 8.25% a year in your EPF account. [Load this example into the calculator ->](?pfCapped=1#calculator) ## Good to know - If your employer calculates PF on the INR 15,000 statutory wage ceiling instead of full basic, take-home rises by INR 6,400 a month to INR 77,521, at the cost of slower EPF savings. - If 10% of the package is variable pay, fixed take-home drops to about INR 63,988 a month; the bonus arrives separately, taxed, when it's paid. - In Delhi, Haryana, Uttar Pradesh and other states without professional tax, add INR 208 a month. - Your PF isn't lost: both shares (INR 1,20,000 a year) build up in your EPF account at 8.25% (FY 2025-26 rate). ## Frequently asked questions What is the in-hand salary for 10 LPA? About INR 71,121 a month in FY 2026-27, with basic at half of CTC, PF on full basic, gratuity inside the CTC and the new tax regime. If PF is on the INR 15,000 ceiling, it's closer to INR 77,521. How much tax do I pay on 10 LPA? Nothing in the new regime: taxable income of INR 8,40,950 gets a full 87A rebate. The old regime, with INR 1.5 lakh of 80C, would be INR 57,398. How much is 10 LPA per month? INR 83,333 is CTC divided by 12, but that isn't what you're paid. Gross salary is INR 76,329 a month, and after PF, professional tax and income tax about INR 71,121 reaches your account. Is the old or new regime better on 10 LPA? The new regime, unless your old-regime deductions add up to more than INR 3,65,950 a year. Typically only people paying high rent in a metro or a home loan get there. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) - [EPFO](https://www.epfindia.gov.in/) - [Ministry of Labour and Employment](https://labour.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. 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