Quick answer: under SalaryExit’s default scenario for this page (new regime, state PT placeholder, PF derived from an assumed Basic+DA split), estimated monthly in-hand is roughly ₹81,325 before any additional payroll items not modeled here.
Ten LPA is a common early-career anchor in metro hiring. Use this page to see how much of gross typically remains after statutory-style PF and a flat annual PT placeholder — then replace PT with your state for a tighter number.
How SalaryExit calculates estimates (methodology, FY scope, and limits).
Ten LPA is the most commonly searched salary band in India — it represents a first significant job milestone for many and a comparison anchor for early-career switches. The illustrated in-hand above assumes a clean new-regime setup with no itemized deductions. Under the Section 87A rebate structure for FY 2025-26, income tax at this gross is nil, so the deductions you see are PF and professional tax only.
If your actual Basic+DA is higher than 45% of gross (the assumed split here), your PF deduction will be higher and your in-hand slightly lower. If your employer uses a PF wage cap, the deduction will be lower. Use the CTC-to-in-hand calculator and enter your payslip’s Basic+DA for a number that matches your specific situation rather than this band illustration.
The question people at ₹10 LPA most often ask is not about tax — it is about rent. This page shows gross-to-in-hand mechanics only. For a realistic monthly budget picture (rent, commute, lifestyle spend, and what is left), use the Salary Reality Check with your actual city and rent figure.
| Line | Monthly |
|---|---|
| Gross | ₹83,333.33 |
| Employee PF (estimate) | ₹1,800 |
| Professional tax (placeholder) | ₹208.33 |
| TDS spread (estimate) | ₹0 |
| Estimated in-hand | ₹81,325 |
Where your monthly gross goes (same numbers as the table)
Annual tax + cess (engine estimate): ₹0.
Band-specific context (not duplicated on other LPA pages). Still illustrative — tune the calculators for your payslip.
Engine warnings: In-hand is an estimate: actual TDS may differ due to proofs, perquisites, arrears, and surcharges. The monthly TDS line is annual tax ÷ 12 for planning — not a payslip TDS schedule.
This band page is gross → in-hand only. To stress-test rent, commute, and lifestyle spend in a real city scenario, use the tools below — same engines, different question.
Compare similar LPA pages (same engine assumptions across bands).
Picked by band so similar LPA pages don’t all push the exact same reading order.
At lower gross, rent is usually the first lever that swallows savings.
PF, PT, and regime still move the needle before you spend a rupee on rent.
Editorial note. SalaryExit publishes educational estimates with stated assumptions — not tax filing advice, legal opinions, or employer-certified payroll. Read the methodology and disclaimer. FY 2025–26 (AY 2026–27) tax slabs in engine. Site content last reviewed: March 2026. Calculator tax math was last aligned to Union Budget 2025 — new regime slabs & Section 87A (≤₹12L taxable); cess 4%. Surcharge and marginal relief are not modeled — validate Form 16 and CBDT circulars for filing.
Not always. CTC may include employer contributions and non-cash costs. This page interprets the band as annual gross salary for the illustrated scenario unless you change inputs in the calculator.
Payslips reflect actual TDS smoothing, proofs, perquisites, bonuses, and employer-specific PF definitions. This page shows a single transparent scenario using the centralized engine.
This illustration uses the new regime for a common baseline. Compare regimes explicitly using the tax regime calculator and validate with a qualified professional for filing.