10 LPA In-Hand Salary Per Month (FY 2026-27): Exact CTC Breakdown & Tax

By K. Sharma (Lead Compensation Analyst) Updated: Budget FY 2026–27 Slabs

⚡ Featured Snippet: 10 LPA In-Hand Salary Summary

For a 10 LPA CTC (₹10,00,000 per year) package in India, your net monthly in-hand salary is approximately ₹68,200 to ₹71,000 per month. Monthly gross pay is ₹78,540. Deductions include Employee EPF (₹4,000/mo), Professional Tax (₹200/mo), and Income Tax TDS (₹6,140/mo under FY 2026-27 New Tax Regime).

A 10 LPA CTC package (₹83,333 per month gross CTC) is a major career milestone for Indian tech, finance, and management professionals.

1. Itemized 10 LPA CTC Monthly Breakdown Table

Salary Component Annual Amount (₹) Monthly Amount (₹)
Gross CTC₹10,00,000₹83,333
Basic Salary (40%)₹4,00,000₹33,333
House Rent Allowance (HRA - 50%)₹2,00,000₹16,667
Special Allowance₹3,42,400₹28,533
Employer EPF Share (12% of Basic)₹48,000₹4,000
Employer Gratuity Share (4.81%)₹9,600₹800
Gross Salary (Pre-Tax)₹9,42,400₹78,533
Less: Employee EPF (12%)-₹48,000-₹4,000
Less: Professional Tax (PT)-₹2,400-₹200
Less: Income Tax (TDS FY 2026-27 New Regime)-₹73,680-₹6,140
NET IN-HAND SALARY ₹8,18,320 ₹68,193 / mo

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