In-hand SalaryIn-hand salary on a CTC of ₹10,00,000 (10 lakh a year)
A CTC of ₹10,00,000 a year is not the amount that reaches your account. This page works out what does, for tax year 2026-27, with a basic pay of 40% of CTC. In the new regime the monthly in-hand pay comes to about ₹73,522; in the old regime, with no deductions beyond PF, professional tax and the standard deduction, about ₹66,680.
From CTC to bank account, new regime
| CTC (cost to company) | ₹10,00,000 |
| Less: employer PF (12% of basic ₹4,00,000) | ₹48,000 |
| Less: gratuity provision | ₹19,231 |
| Gross salary paid | ₹9,32,769 |
| Less: employee PF | ₹48,000 |
| Less: professional tax | ₹2,500 |
| Less: income tax with cess | ₹0 |
| In hand for the year | ₹8,82,269 |
| In hand a month | ₹73,522 |
How the income tax is worked out
The gross salary of ₹9,32,769 less the standard deduction of ₹75,000 gives a taxable income of ₹8,57,769. The tax on the new regime slabs:
- Nil on ₹4,00,000: ₹0
- 5% on ₹4,00,000: ₹20,000
- 10% on ₹57,769: ₹5,777
At this CTC the new regime tax is nil: the taxable income of ₹8,57,769 is within the ₹12,00,000 limit of the rebate. The only things between the CTC and your pay are the PF, the gratuity provision and professional tax.
If you choose the old regime
With the standard deduction of ₹50,000, employee PF of ₹48,000 and professional tax of ₹2,500, the taxable income is ₹8,32,269 and the income tax is ₹82,112. In hand that is about ₹66,680 a month. With these figures the new regime leaves about ₹6,843 more a month. If you also have house rent allowance, a home loan or 80D premium, the old regime can improve; the calculator uses only the deductions listed here.
What the basic pay percentage changes
Companies set basic anywhere from 30% to 60% of CTC. A higher basic raises the PF and the gratuity, so less is paid out monthly, but the PF savings are yours later. For a CTC of ₹10,00,000:
| Basic as % of CTC | Employer PF a year | In hand a month, new regime | Old regime |
|---|---|---|---|
| 30% | ₹36,000 | ₹75,923 | ₹68,581 |
| 40% | ₹48,000 | ₹73,522 | ₹66,680 |
| 50% | ₹60,000 | ₹71,122 | ₹64,778 |
| 60% | ₹72,000 | ₹68,721 | ₹62,877 |
If PF is cut only up to the wage ceiling
Some employers cut PF only on the wage ceiling of ₹25,000 a month. Then the employer PF falls to ₹36,000 a year and the new regime in-hand pay becomes about ₹75,522 a month, because less leaves your pay.
Common questions
What is the in-hand salary on a CTC of ₹10,00,000?
With a basic of 40% of the CTC, about ₹73,522 a month in the new regime and ₹66,680 a month in the old regime (tax year 2026-27, assumptions on this page).
Will my payslip show exactly this?
Not necessarily. Employers split the CTC differently, may pay part of it as an annual bonus or reimburse items, and may cut PF on a lower amount. Use this as a guide when comparing offers.
How much more would I take home with ₹1 lakh more CTC?
With the same assumptions, a CTC of ₹11,00,000 leaves about ₹80,896 a month in the new regime, which is ₹7,373 more each month than ₹10,00,000.
The assumptions behind every number here
- Basic pay is 40% of the CTC (you can change this in the calculator).
- Employer PF is 12% of basic. Employee PF is the same amount. Both are on the full basic (the calculator can instead cap them at the PF wage ceiling).
- Gratuity is a provision of basic ÷ 12 × 15 ÷ 26 a year, which the employer counts in the CTC but pays only after five years of service. It is taken out of the CTC and is not in the monthly pay.
- Professional tax is ₹2,500 a year.
- Everything else in the CTC (basic, HRA, special allowance, bonus paid monthly) is treated as ordinary monthly salary. Variable pay, joining bonus, food coupons and insurance premiums paid by the employer are not separated out.
- New regime: only the standard deduction of ₹75,000. Old regime: standard deduction of ₹50,000, employee PF (inside the ₹1.5 lakh limit of 80C) and professional tax. HRA exemption, home loan interest, 80D and other deductions are not counted, so the old regime looks worse here than it may be for you.
- Tax is for a resident below 60 with salary as the only income, with 4% cess.
CTC 9 lakh CTC 12 lakh Change the figures in the calculator
- Tax slabs, rebate, surcharge and cess for tax year 2026-27: Memorandum explaining the provisions of the Finance Bill, 2026 (Ministry of Finance) and the Income Tax Department e-filing help page "Salaried Individuals for AY 2026-27". Checked on 11 November 2026.
- Gratuity formula (15 days of wages for each year of service, a month taken as 26 days): Payment of Gratuity Act, 1972, section 4(2). Employee and employer PF at 12% of wages: Employees' Provident Funds Scheme, 1952.
- PF wage ceiling of ₹25,000 a month from 17 September 2026 (Gazette notification S.O. 5109(E) under the Code on Social Security, 2020): Press Information Bureau releases on the EPFO wage ceiling (PRID 2313829, PRID 2314111). Read on 13 November 2026 (the Gazette text itself was not opened).
- Professional tax: a state tax; this page assumes ₹2,500 a year, and states differ, some charge less and some have none.
This is an estimate built on the assumptions listed on the page, with tax rates checked on 11 November 2026. It is general information, not tax or financial advice. Your own payslip can differ. Confirm tax questions at incometax.gov.in or with a professional.