Pre-filled with ₹10 LPA — adjust if needed
10 LPA In Hand Salary — What to Expect
A ₹10 LPA (10 lakh per annum) package is one of the most searched salary brackets in India — it's a common first offer for engineering graduates and the first milestone for many mid-career professionals. But the actual take-home is significantly lower than ₹83,333/month.
After EPF deduction (12% of basic), professional tax, and income tax under the new regime, most employees on ₹10 LPA take home between ₹70,000 and ₹76,000 per month depending on their city and basic salary structure.
Use this calculator to get your exact figure based on your specific salary structure for FY 2025-26.
How is 10 LPA In-Hand Salary Calculated?
The formula is the same as any CTC calculation — but we've pre-filled it for ₹10 LPA so you can see the result immediately:
Key numbers at ₹10 LPA
Assuming 40% basic salary (₹4 LPA basic), the key monthly deductions are: EPF ₹4,000, Professional Tax ₹200, and TDS approximately ₹4,000–₹6,000 depending on your tax regime and city.
New vs Old Regime at 10 LPA
At ₹10 LPA with no major deductions, the new tax regime typically results in lower tax. If you have significant 80C investments and HRA, the old regime may save ₹10,000–₹20,000 annually.
Example Calculation
Your exact figure depends on your basic salary split and allowances. Use the calculator above for a precise result.
Frequently Asked Questions
For a ₹10 LPA CTC with 40% basic salary in a metro city under the new tax regime FY 2025-26, the monthly in-hand salary is approximately ₹72,000–₹74,000 after EPF (₹4,000), professional tax (₹200), and income tax TDS (≈₹4,500–₹5,000). The exact amount depends on your salary structure and HRA.
Under the new tax regime for FY 2025-26, taxable income on ₹10 LPA (after ₹75,000 standard deduction) is approximately ₹7.97 lakh. Tax on this works out to roughly ₹57,000–₹62,000 annually including 4% cess, or about ₹4,750–₹5,200 per month as TDS.
Yes. ₹10 LPA places you in roughly the top 5–8% of Indian earners. In metro cities like Mumbai or Bengaluru the cost of living is higher, but in tier-2 cities a ₹10 LPA take-home of ~₹73,000/month provides a comfortable lifestyle with significant savings potential.
CTC includes employer contributions like EPF (12% of basic) and gratuity (4.81% of basic) that never reach your bank account. On ₹10 LPA, the employer's EPF and gratuity typically account for ₹1.1–₹1.3 lakh, so your actual gross salary is closer to ₹8.7–₹8.9 lakh per year.
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Disclaimer: Results are for informational and educational purposes only — not financial, tax, or legal advice. Tax slabs, rates (EPF, PPF, home loan), and rules shown are based on data available in 2025 and may change. Always verify with a qualified professional or official government sources before making financial decisions.