Exact monthly take-home pay breakdown for a 10 Lakhs CTC.
Receiving an offer letter of 10 Lakhs Per Annum (LPA) is a significant milestone for many professionals in India. However, if you simply divide ₹10,00,000 by 12, you will expect around ₹83,333 per month. The reality is that your actual 10 LPA in-hand salary will be lower due to Provident Fund (PF), Professional Tax, and Income Tax deductions.
In this guide, we break down exactly how much take-home pay you will get from a 10 LPA CTC under the New Tax Regime and the Old Tax Regime for FY 2026-27.
While every company structures its CTC differently, a standard structure for 10 LPA looks like this:
Gross Salary = CTC - Employer PF - Gratuity = ₹9,15,950 annually (₹76,329 per month).
The New Tax Regime is highly beneficial for a 10 LPA CTC because of the ₹75,000 Standard Deduction. Here is the calculation:
Tax Calculation (New Slabs):
Monthly Deductions: Employee PF (₹5,000) + Prof Tax (₹200) + TDS (₹2,955) = ₹8,155.
Monthly 10 LPA In-Hand Salary: ₹68,174
If you have significant investments, you might stick to the old regime. Assuming you claim ₹1.5 Lakhs under 80C and ₹1 Lakh HRA exemption:
Tax Calculation (Old Slabs):
Monthly 10 LPA In-Hand Salary: ₹68,036 (Note: This is slightly lower than the new regime, PLUS you had to lock away ₹1.5 Lakhs in investments).
Searches around 10 LPA in-hand salary usually come from professionals comparing new vs old tax regime. The important thing is to compare monthly take-home pay, annual tax, employee PF and the tax regime side by side instead of only dividing CTC by 12.
| Search intent | Quick answer |
|---|---|
| 10 LPA monthly salary | Approx Rs 68,000-69,000 per month after standard deductions. |
| 10 LPA CTC in-hand | Depends on basic salary, PF cap, professional tax state and selected tax regime. |
| 10 LPA new regime vs old regime | New regime is often simpler; old regime helps only when deductions are high enough. |
Compare nearby CTC levels before accepting an offer or negotiating an appraisal:
How much is 10 LPA in-hand per month?
For most standard salary structures, 10 LPA gives roughly Rs 68,000-69,000 per month in-hand. Your number can change if your basic salary percentage, employer PF policy, bonus component or city professional tax is different.
Why is my offer letter CTC higher than take-home pay?
CTC includes employer-side benefits such as employer PF and gratuity. Take-home salary is lower because employee PF, professional tax and TDS are deducted before salary is credited.
Should I choose old or new tax regime?
Use the old regime only when your total deductions are meaningfully high. If you do not claim HRA, 80C, 80D or home loan deductions, the new regime is usually easier and often improves monthly cash flow.
For a 10 LPA CTC, you can expect an in-hand salary of approximately ₹68,000 to ₹69,000 per month. For most employees without a home loan, the New Tax Regime yields a slightly higher take-home pay and more cash liquidity.