Got a 10 LPA offer letter and wondering what actually lands in your account every month? The honest answer: somewhere between ₹68,000 and ₹76,000 — depending on your deductions, city, and tax regime. Here is the exact breakdown.
What Does 10 LPA Mean?
LPA stands for Lakhs Per Annum — your total annual Cost to Company (CTC). At 10 LPA, your gross monthly salary is ₹83,333 before any deductions. But gross and in-hand are very different numbers, and most offer letters never explain why.
Your CTC includes components that never reach your bank account — employer PF contribution, gratuity provisions, and sometimes even insurance premiums. So 10 LPA CTC does not mean ₹83,333 in hand.
10 LPA In Hand Salary Calculation — New Tax Regime (FY 2026-27)
For most salaried employees at 10 LPA, the new tax regime saves more money in FY 2026-27 because of the enhanced ₹75,000 standard deduction and lower slab rates.
Here is a typical monthly breakdown:
| Component | Annual | Monthly |
|---|---|---|
| Gross CTC | ₹10,00,000 | ₹83,333 |
| Employer PF (12% of basic) | −₹57,600 | −₹4,800 |
| Gross Salary | ₹9,42,400 | ₹78,533 |
| Standard Deduction | −₹75,000 | — |
| Taxable Income | ₹8,67,400 | — |
| Income Tax (New Regime) | ~₹42,000 | −₹3,500 |
| Employee PF (12% of basic) | −₹57,600 | −₹4,800 |
| Professional Tax | −₹2,400 | −₹200 |
| Estimated In-Hand | ₹8,40,400 | ~₹70,000 |
Assumes basic salary = 40% of CTC. Actual numbers vary by company structure.
10 LPA In Hand Salary — Old Tax Regime
If you have a home loan, high HRA in a metro, and maxed out 80C investments, the old regime might still work for you at 10 LPA.
With deductions of ₹3.5L+ (HRA + 80C + home loan interest), your taxable income drops below ₹5L — bringing tax close to zero even under old regime slabs.
But if your deductions are below ₹3L, the new regime wins clearly.
What Affects Your Actual Take-Home at 10 LPA?
Your final in-hand salary depends on more than just the tax regime. These factors move the number significantly:
- Basic salary percentage — higher basic means higher PF deduction
- HRA component — metro vs non-metro changes your exemption
- Company perks structure — meal vouchers, fuel allowance, and phone bills reduce taxable income
- Professional tax — varies by state (Maharashtra: ₹200/month, Karnataka: ₹200/month, some states: zero)
- Group health insurance premium — some companies deduct this from CTC
A ₹10 LPA offer at one company might give you ₹68,000 in hand, while another structures the same CTC to give you ₹74,000. Always ask for the salary breakup — not just the CTC number.
The Fastest Way To Get Your Exact Number
The calculation above is an estimate. Your actual in-hand salary depends on your specific salary structure. Use our free calculator to get the exact figure in 30 seconds — just enter your CTC and deductions.
→ Calculate your exact 10 LPA in-hand salary
This article provides general salary estimates for informational purposes. Actual in-hand salary depends on your company's specific salary structure, location, and applicable deductions. Use the calculator above for personalised figures.