10 Lakh CTC In-Hand Salary: ₹75,169 a Month (2026-27)

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Rules checked on 21 October 2026: the definition of wages and the 50% rule from the Ministry of Labour and Employment FAQs on the labour codes (30 December 2025 and 16 March 2026); the ₹25,000 EPF wage ceiling from notification S.O. 5109(E) of 17 September 2026; tax-year 2026-27 slabs, the section 156 rebate and the ₹75,000 standard deduction from the CBDT tax-rate tables on incometaxindia.gov.in. Every figure on this page was recomputed by hand on 21 October 2026 (docs/calc-tests) and matches the calculator.

Short answer

On a ₹10 lakh CTC you take home about ₹75,169 a month (₹9,02,026 a year) under the new regime. The fixed CTC is ₹83,333 a month. Your employer's PF (₹3,000) and gratuity accrual (₹1,956) come out first, leaving a gross salary of ₹78,377. From that, your own PF takes ₹3,000 and professional tax about ₹208. Income tax is nil: taxable income is ₹8,65,526, and the section 156 rebate covers everything up to ₹12 lakh. Under the old rules (₹15,000 PF ceiling, PF on basic only) the same CTC paid ₹77,922, so about ₹2,750 a month less reaches you: ₹2,400 more goes into PF and ₹353 more into gratuity.

How ₹75,169 is worked out

Fixed CTC: ₹10,00,000 ÷ 12 = ₹83,333 a month. Basic at 40% is ₹33,333.
Wages for PF and gratuity. Under the labour codes (in force from 21 November 2025), wages are basic plus DA, and if everything else goes over half of your pay, the excess counts as wages too. Here that pushes wages to ₹40,689, ₹7,355 above the basic.
Employer PF is 12% of wages up to ₹25,000: ₹3,000. Gratuity accrues at 15/26 of a month's wages a year, which is ₹1,956 a month. Both sit inside the CTC but never reach your account.
Gross salary: ₹83,333 − ₹3,000 − ₹1,956 = ₹78,377.
Deductions: your PF ₹3,000 and professional tax ₹2,500 a year (₹208 a month in Karnataka). Income tax is nil, so the in-hand pay is ₹75,169.

The tax is nil because the new regime's rebate (section 156, old 87A) wipes out the tax when taxable income is ₹12 lakh or less. Your taxable income is ₹9,40,526 of salary minus the ₹75,000 standard deduction, or ₹8,65,526. That leaves ₹3,34,474 of room for other income, such as FD interest, before any tax starts.

Why other pages show ₹77,000 to ₹78,000

Two rule changes cut the cash part of the same CTC. The EPF wage ceiling rose from ₹15,000 to ₹25,000 on 17 September 2026, so PF on a capped salary went from ₹1,800 to ₹3,000 on each side. The labour codes' 50% rule also raised the wages that PF and gratuity are worked on.

Per month, ₹10 lakh CTC	Old rules	Labour codes + ₹25,000 ceiling
Wages for PF and gratuity	₹33,333	₹40,689
Employer PF	₹1,800	₹3,000
Gratuity accrual	₹1,603	₹1,956
Gross salary	₹79,931	₹78,377
Your PF	₹1,800	₹3,000
In hand	₹77,922	₹75,169
PF saved a year	₹43,200	₹72,000

The money has not gone anywhere: ₹28,800 a year more goes into your PF account. But a page that still uses the ₹15,000 ceiling overstates what you will see each month by about ₹2,750.

Before the labour codes, a low basic meant low PF and more cash. Now, if basic plus DA is under half of your pay, the shortfall is added back as wages. At a ₹10 lakh CTC with gratuity inside it, wages come out at ₹40,689 whether your basic is 30% or 40% of the CTC, so the in-hand figure is the same ₹75,169. At 50% basic, wages are the basic itself (₹41,667) and in hand is ₹75,122, only ₹47 less.

How your employer applies PF still changes the figure. Most cap it at 12% of ₹25,000. Some take 12% of full wages; at this CTC that is ₹4,883 from each side, and in hand drops to ₹71,404.

Worked examples

₹10 lakh CTC with ₹1 lakh variable pay, Delhi

Fixed CTC is ₹9 lakh, or ₹75,000 a month. Delhi has no professional tax. Wages for PF and gratuity work out to ₹36,620 (basic ₹33,333 plus ₹3,286 added back). Employer PF is ₹3,000 and gratuity ₹1,761, so gross salary is ₹70,239.

After your ₹3,000 PF, the monthly in-hand is ₹67,239. The ₹1 lakh bonus comes on top when it is paid. Tax is still nil: the year's salary, bonus included, is ₹9,42,873, so taxable income is ₹8,67,873.

Old regime check: Bengaluru renter paying ₹20,000 a month

Same ₹10 lakh structure, HRA at 40% of basic (₹13,333 a month). Bengaluru is on the 50% HRA list from 2026-27, but the HRA paid is the lowest of the three limits, so the exemption is ₹1,60,000 a year. Add your PF ₹36,000 and ₹50,000 of other section 123 investments, ₹25,000 of health insurance and professional tax ₹2,500.

Old-regime tax still comes to ₹37,340, about ₹3,112 a month, so in hand is ₹72,057. The new regime charges nothing and pays ₹75,169. On these deductions the new regime leaves you ₹3,112 a month better off.

Tips and tricks

Check your offer letter for three things before you compare: whether gratuity is shown inside the CTC, whether PF is capped at ₹25,000, and how much is variable. Set the same three in the calculator.
If your offer letter predates 17 September 2026, its in-hand line probably used the ₹15,000 ceiling. Expect your payslip to show ₹1,200 more PF a month, and ₹1,200 less cash.
Enter the variable part separately. The calculator spreads tax over 12 months but keeps the bonus out of the monthly in-hand, which matches how payroll pays it.
If you have other income, add it before you assume zero tax. You have about ₹3.34 lakh of room under the ₹12 lakh rebate limit at this CTC.
Professional tax differs by state: ₹2,500 a year in Karnataka and Maharashtra, ₹2,400 in West Bengal, nothing in Delhi. Pick your state in the calculator.

How we would use it

Questions people ask

Is there any income tax on a ₹10 lakh CTC in 2026-27?

Not under the new regime if salary is your only income. Taxable income comes to about ₹8.65 lakh after the ₹75,000 standard deduction, and the section 156 rebate covers tax on income up to ₹12 lakh. Under the old regime the same salary pays about ₹86,220 if your PF is your only deduction.

What is 10 LPA in hand per month?

About ₹75,169 with PF capped at ₹25,000, gratuity inside the CTC and no variable pay. Without gratuity in the CTC it is about ₹77,125. With PF on full wages it is about ₹71,404. The calculator above shows your own structure.

Why did my in-hand salary fall after 17 September 2026?

The EPF wage ceiling went from ₹15,000 to ₹25,000. If your wages are ₹25,000 or more and your employer caps PF, your own PF rose from ₹1,800 to ₹3,000 a month. If the employer's share is inside your CTC, your gross salary fell by the same ₹1,200. Both amounts go into your PF and pension accounts. See EPF on ₹25,000 basic for the split.

Does a ₹10 lakh CTC mean ₹10 lakh of taxable salary?

No. Employer PF and gratuity are part of the CTC but are not taxable salary. Here they come to ₹59,474 a year, so your salary income is ₹9,40,526.

Will ESI be deducted?

No. ESI applies only when gross pay is ₹21,000 a month or less. At ₹78,377 a month you are well above it.

Written by Bulan Sarkar, who checked the results by hand and against a second public calculator. Use it for planning; it isn't tax or investment advice.

Sources

CTC to In-Hand Salary Calculator

Turn your CTC into monthly take-home pay under the new labour codes, with the 50% wage rule, the ₹25,000 PF ceiling and tax in both regimes.