Career & HR
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CTC ₹10 LPA In-Hand Salary 2025-26 (New Regime)
On a CTC of ₹10,00,000 (10 LPA) with 50% basic (₹5,00,000), non-metro city, and Karnataka professional tax, the gross salary is ₹9,15,950. Under the new regime income tax is ₹0 — the §87A rebate still applies since taxable income (gross minus ₹75,000 standard deduction) stays below ₹12L. After employee EPF (₹60,000) and professional tax (₹2,400), annual in-hand is ₹8,53,550 — ₹71,129/month. In-hand is 85.4% of CTC.
CTC ₹10,00,000, new regime, 50% basic, non-metro, Karnataka PT (FY 2025-26):
- Gross: ₹9,15,950 | Employer EPF: ₹60,000 | Gratuity: ₹24,050
- Employee EPF: ₹60,000 | PT: ₹2,400 | Tax: ₹0
- Annual in-hand: ₹8,53,550 | Monthly: ₹71,129 (85.4% of CTC)
Frequently asked questions
How much is the in-hand salary for 10 LPA CTC?
On ₹10,00,000 CTC with 50% basic, new regime, non-metro, Karnataka PT, the annual in-hand is ₹8,53,550 — ₹71,129/month (85.4% of CTC). The §87A rebate keeps income tax at zero.
New or old regime for 10 LPA CTC?
For 10 LPA with no large deductions, the new regime is almost always better — income tax is zero under §87A, whereas the old regime would impose tax at 20-30% on the higher slices. You would need very substantial HRA exemption and 80C deductions for the old regime to match.