FY 2026-27 · new regime default
10 LPA in-hand salary India
- FY 2026-27
- Estimates
A 10 LPA private offer is often near the new-regime nil-tax zone after the ₹75,000 standard deduction. Employer PF and gratuity inside CTC still shrink monthly in-hand even when TDS is zero.
Estimated monthly in-hand
₹55,894
₹6,70,731 / year · 67.1% of ₹10 lakh CTC
What this 10 LPA sketch assumes
Cost-to-company ₹10,00,000. Basic at 40% of CTC. HRA at 50% of basic. Employer PF 12% of basic (no ₹15,000 ceiling). Employer gratuity at 15/26 of basic. Special allowance is the residual so the pieces still add to CTC. Employee PF matches the employer base. Professional tax ₹2,500 a year. New tax regime for Tax Year 2026-27, ₹75,000 standard deduction, 4% cess.
Under FY 2026-27 new-regime slabs, taxable income up to ₹12 lakh can be fully rebated. 10 LPA cash salary after PF strips usually sits below that line, so the gap versus CTC is mostly statutory deductions, not income tax.
Who it is for: First-job and Tier-2 private offers where the annexure looks richer than the bank credit. It is not a bank guarantee. Variable bonus, ESOPs, NPS 80CCD(2) and “PF only on ₹15,000” will move the monthly number — that is what the live calculator is for.
Breakdown
| Component | Annual | Monthly |
|---|---|---|
| Cash gross | ₹7,21,231 | ₹60,103 |
| − Employee PF | ₹48,000 | ₹4,000 |
| − Professional tax | ₹2,500 | ₹208 |
| − Estimated TDS | ₹0 | ₹0 |
| In-hand | ₹6,70,731 | ₹55,894 |
Other LPA sketches use the same engine: 12 LPA15 LPA20 LPA25 LPA