₹10 LPA In-Hand Salary 2026-27: ₹78,133/month After Tax
Complete ₹10 LPA salary breakdown for FY 2026-27 — in-hand pay, old vs new regime, EPF, and the regime break-even point.
⚠️ Not financial advice. Figures are estimates from the stated assumptions and should not be the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant.
₹10 LPA is the first big psychological milestone in most Indian tech and corporate careers — and also the package where the gap between CTC and what lands in your bank account starts to genuinely surprise people. Here is the honest breakdown for FY 2026-27, under both tax regimes.
₹10 LPA: the full breakdown, both regimes
| New regime (no deductions) | Annual |
|---|---|
| Gross CTC | ₹10,00,000 |
| Standard deduction | −₹75,000 |
| Taxable income | ₹9,25,000 |
| Income tax (incl. surcharge + cess) | −₹0 |
| Employee EPF (12% of basic) | −₹60,000 |
| Professional tax | −₹2,400 |
| Annual in-hand | ₹9,37,600 |
| Monthly in-hand | ₹78,133 |
| Old regime (no deductions claimed) | Annual |
|---|---|
| Gross CTC | ₹10,00,000 |
| Standard deduction | −₹50,000 |
| Taxable income | ₹9,50,000 |
| Income tax (incl. surcharge + cess) | −₹1,06,600 |
| Employee EPF (12% of basic) | −₹60,000 |
| Professional tax | −₹2,400 |
| Annual in-hand | ₹8,31,000 |
| Monthly in-hand | ₹69,250 |
With no deductions beyond the standard deduction, the new regime leaves you ₹8,883 more in hand every month at ₹10 LPA (that is ₹1,06,600 a year).
Assumptions: full CTC treated as taxable salary, basic = 50% of CTC, employee EPF = 12% of basic, professional tax ₹2,400/year, standard deduction applied. FY 2026-27 slab rates.
Why your ₹10 LPA offer doesn't mean ₹83,000 a month
Dividing 10 lakh by 12 gives ₹83,333 — but that's CTC arithmetic, not salary. Your employer's EPF contribution, gratuity accrual, and any insurance premiums are inside that 10 lakh, and your own 12% EPF deduction and income tax come out before anything reaches you. The good news at this level: under the new regime, ₹10 LPA of taxable salary attracts zero income tax after the ₹75,000 standard deduction and the Section 87A rebate, so your deductions are mostly EPF — money you keep, just locked away.
New vs old regime at ₹10 LPA: not a real contest
The 87A rebate makes the new regime nearly unbeatable at this income. Under the old regime you'd need to stack Section 80C investments, health insurance premiums, and HRA exemption aggressively before your tax even fell to the new regime's level — effort that buys you nothing here. Unless you're carrying a home loan with substantial interest or very high rent in a metro, take the new regime and skip the January proof-submission scramble entirely.
What to do with the tax you're not paying
A ₹10 LPA earner paying effectively no income tax has a rare window: the roughly ₹8,000–12,000 a month that a comparable earner paid in tax five years ago can go straight into investments instead. A SIP of ₹10,000 a month at 12% builds about ₹23 lakh in 10 years. Set it up before lifestyle creep claims the difference — the raise after this one will not feel this light again.
Frequently asked questions
- What is the in-hand salary for ₹10 LPA in FY 2026-27?
- Under the new tax regime, a ₹10 LPA CTC works out to roughly ₹78,133 per month (₹9,37,600 a year) after income tax, 12%-of-basic employee EPF, and professional tax, assuming basic pay is 50% of CTC.
- Which tax regime is better at ₹10 LPA?
- With no deductions beyond the standard deduction, the new regime leaves ₹8,883 more per month in hand at ₹10 LPA. The old regime only catches up if your claimed deductions reach the break-even figure shown on this page.
- Is ₹10 LPA really tax-free in FY 2026-27?
- For a salaried person on the new regime with no other income — effectively yes. After the ₹75,000 standard deduction, taxable income is ₹9.25 lakh, which is under the ₹12 lakh Section 87A rebate ceiling, so the computed tax is rebated to zero. You still see EPF and professional tax deductions on your payslip, which is why in-hand is below ₹80,000 a month.
- How much of a ₹10 LPA CTC is typically fixed pay?
- Most Indian employers structure 85–95% of a ₹10 LPA package as fixed pay, with the rest as variable bonus or employer PF/gratuity. Always ask for the fixed component in writing — two ₹10 LPA offers can differ by ₹5,000+ a month in-hand purely on structure.