In-Hand Salary Breakdown

10 LPA In-Hand Salary India FY 2026-27

Exact monthly take-home for 10 LPA CTC under new and old tax regime. Includes PF, professional tax, and HRA breakdown for metro and non-metro cities.

New Regime · Metro

₹77,930/mo

₹9,35,160/year

New Regime · Non-Metro

₹77,930/mo

₹9,35,160/year

Old Regime · Metro

₹72,355/mo

₹8,68,255/year

Full Salary Breakdown -- 10 LPA (New Regime, Metro, Monthly)

Basic Salary	₹33,333
HRA (50% of basic)	₹16,667
Special Allowance	₹29,930
Gross Monthly Salary	₹79,930
Employee PF	-₹1,800
Professional Tax	-₹200
Income Tax (TDS)	-₹0
Monthly In-Hand (Take-Home)	₹77,930

New Regime vs Old Regime

New Tax Regime

Standard DeductionRs. 75,000

Annual Tax₹0

Monthly In-Hand₹77,930

Old Tax Regime

Deductions ClaimedRs. 2,00,000

Annual Tax₹66,905

Monthly In-Hand₹72,355

What is the in-hand salary for 10 LPA in India?

For a 10 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹77,930/mo (₹9,35,160 annually). In a non-metro city it is ₹77,930/mo due to lower HRA.

The difference between your CTC of 10 LPA and the take-home comes from employer PF (₹1,800/month), gratuity provision, employee PF (₹1,800/month), professional tax, and income tax.

City-wise In-Hand Salary for 10 LPA

City Type	Tax Regime	Monthly In-Hand	Annual Tax
Metro (Mumbai, Delhi, Kolkata, Chennai)	New Regime	₹77,930	₹0
Non-Metro	New Regime	₹77,930	₹0
Metro (Mumbai, Delhi, Kolkata, Chennai)	Old Regime	₹72,355	₹66,905

Frequently Asked Questions

Under the new tax regime in a metro city, 10 LPA CTC gives you ₹77,930/mo monthly in-hand (₹9,35,160/year). In non-metro cities it is ₹77,930/mo/month. These figures assume statutory PF (Rs. 1,800/month) and 40% basic salary structure.

Yes. Under the new tax regime, a 10 LPA CTC results in zero income tax. After the Rs. 75,000 standard deduction, taxable income is below Rs. 12 Lakhs, and Section 87A rebate eliminates the entire tax liability.

For 10 LPA, the new tax regime is better -- it gives ₹77,930/month vs ₹72,355/month under old regime (assuming Rs. 2L in deductions). The difference is ₹5,575/month.

At 10 LPA with 40% basic structure: Basic salary is ₹33,333/month, HRA is ₹16,667/month (50% of basic in metro), and Special Allowance makes up the rest at ₹29,930/month. Gross monthly salary is ₹79,930.