10 LPA Salary In-Hand Per Month in India
If your Cost to Company (CTC) is ₹10 Lakh per annum, your monthly in-hand salary in India typically ranges between ₹62,000 to ₹68,000 per month, depending on the tax regime, PF contribution, and company salary structure.
👉 10 LPA CTC → Monthly In-Hand Salary:
- New Tax Regime: ~₹65,000 – ₹68,000
- Old Tax Regime: ~₹62,000 – ₹66,000
No income tax under New Tax Regime (for 10 LPA)
*Approximate values; exact take-home depends on deductions & benefits
How much is 10 LPA per month in hand?
For a 10 LPA CTC in India, the monthly in-hand salary is typically between ₹62,000 to ₹68,000 per month after tax, PF, and other deductions.
| Component | Approx Amount (₹) |
|---|---|
| Annual CTC | 10,00,000 |
| Deductions | ~54000 |
| Income Tax | 0 |
| Monthly In-Hand | ~79,000 |
Note on bonus and variable pay: .
- In many companies, a ₹10 LPA CTC includes 10–12% performance-linked bonus or variable pay.
- This amount is usually paid separately (annually or quarterly) and is not part of the fixed monthly in-hand salary.
- Bonus is taxed at your applicable income-tax slab when paid.
Calculate Exact In-Hand Salary for 10 LPA
Use the calculator below to see your exact take-home salary based on your CTC breakup, PF contribution, and selected tax regime.
Bonus / Variable Pay (Optional)
Bonus/variable pay is performance-linked and usually paid separately, not as part of monthly salary.
Not sure which to choose? Compare Old vs New Tax Regimes.
How 10 LPA CTC Is Converted to In-Hand Salary
A 10 LPA CTC includes multiple components such as basic salary, allowances, employer provident fund (PF), gratuity, and bonuses. Your in-hand salary is lower than CTC because some components are not paid monthly.
- Employee PF (12% of basic) is deducted from salary
- Employer PF is part of CTC but not paid as cash
- Income tax varies based on new vs old tax regime
- Professional tax may apply based on state
New vs Old Tax Regime for 10 LPA Salary
For salaried employees earning ₹10 LPA, thenew tax regime results in zero income tax liability after the standard deduction of ₹75,000 (FY 2025-26).
This means your entire taxable income falls within the rebate limit under Section 87A, making the new regime highly beneficial for most employees without major deductions.
The old tax regime may only be beneficial if you claim substantial deductions such as HRA, Section 80C (PF, ELSS, LIC), or home loan interest that significantly reduce your taxable income.
In most cases, for ₹10 LPA salary, the new regime provides higher in-hand salary and simpler tax filing.