₹10 LPA in-hand salary in India
New regime · Bengaluru · FY 2025-26 · PF on
Monthly salary breakdown
| Component | Amount / month |
|---|---|
| Basic salary | ₹33,333 |
| HRA | ₹16,667 |
| Special allowance | ₹31,533 |
| Employee PF (−) | −₹1,800 |
| Income tax / TDS (−) | −₹0 |
| Professional tax (−) | −₹200 |
| Net monthly in-hand | ₹79,533 |
New vs old regime
New regime saves ₹1,01,604/year at ₹10 LPA with zero deductions declared.
What ₹10 LPA actually means
₹10 LPA is the most psychologically significant salary anchor in the Indian tech market. It's the first round-number target that professionals set after their first job, and recruiters know this — which is why ₹10L is both the most common offer and the most common floor for counter-offers. Under the new regime, the actual in-hand at ₹10L is closer to ₹67,000/month, not the ₹83,000 you'd naively calculate by dividing CTC by 12. The gap is PF (₹1,800/month), income tax (₹1,500–1,700/month), and professional tax (₹200/month).
₹10 LPA is achievable by a 2–4 year engineer at a mid-size product startup, a fresh campus hire at a tier-1 Indian IT company like Infosys or Wipro with a couple of internal raises, a junior data analyst at a mid-market firm, or a 1–2 year MBA fresher in a non-finance role. In the FAANG/top-startup ecosystem, ₹10L is below the floor even for interns — context matters enormously when benchmarking.
₹10L is a psychological barrier that companies use as a ceiling. If a recruiter says 'our band tops out at ₹10L for this role,' the honest counter is to negotiate the structure — ask for a ₹1L joining bonus (which doesn't affect band) or a 6-month review clause. Alternatively, target companies whose hiring bands start at ₹12–14L for your role; trying to push through an artificial ceiling wastes time that could be spent positioning for a bracket jump.
At ₹10 LPA, PF opt-out deserves serious consideration if your employer allows it. Employee PF eats ₹1,800/month (₹21,600/year) and earns 8.15% — a decent but not exceptional return, and it's illiquid until retirement or job loss. If you have high-interest debt (personal loan, credit card) or are building an emergency fund, recovering that ₹1,800/month has better expected value than forced PF savings. This calculation shifts at higher incomes where compounding matters more.
Personalise your number
City, PF elections, rent, and deductions all shift your take-home. Enter your actual details below.
Salary
CTC → real monthly in-hand. Both tax regimes, any Indian city, line by line. The numbers you see here are computed in this tab.
Monthly in-hand by city — ₹10 LPA
Under the new regime, city affects take-home only through professional tax. New Delhi levies zero PT; every other metro deducts ₹200–209/month.
| City | Monthly in-hand | Annual PT | vs Bengaluru |
|---|---|---|---|
| Bengaluru this page | ₹79,533 | ₹2,400/yr | — |
| New Delhi | ₹79,733 | ₹0/yr | +₹200/mo |
| Pune | ₹79,525 | ₹2,500/yr | −₹8/mo |
| Hyderabad | ₹79,525 | ₹2,500/yr | −₹8/mo |
New regime · standard 40% basic · PF capped · FY 2025-26. Old-regime HRA exemption varies further by rent paid.
Which regime wins at ₹10 LPA?
New regime wins at ₹10 LPA. Even with max 80C + NPS + 80D (₹2.5L), old regime trails by ₹49,608/year.
| Deductions claimed | Old regime/yr | New regime/yr | Winner |
|---|---|---|---|
| Zero deductions | ₹8,52,792 | ₹9,54,396 | New +₹1,01,604 |
| Max 80C (₹1.5L) | ₹8,83,992 | ₹9,54,396 | New +₹70,404 |
| 80C + NPS self (₹2L) | ₹8,94,384 | ₹9,54,396 | New +₹60,012 |
| 80C + NPS + 80D (₹2.5L) | ₹9,04,788 | ₹9,54,396 | New +₹49,608 |
Old regime figures assume zero rent. Add HRA claim and the break-even deduction threshold drops further. Use the calculator above for your exact numbers.
Restructuring levers at ₹10 LPA
Annual gain vs new regime baseline with no extra planning. Positive means more in-hand; negative means new regime still wins even with that lever.
| Lever | Regime | Annual gain |
|---|---|---|
| New regime optimisations | ||
| Employer NPS — 80CCD(2) Route 10% of basic (₹40,000/yr) through NPS | New regime | ₹0 |
| PF opt-out Recover ₹1,800/mo employee contribution | Either regime | +₹43,200/yr |
| Old regime scenarios vs new regime baseline | ||
| 80C max (₹1.5L) ELSS, PPF, ULIP, home loan principal | Old regime | −₹70,404/yr |
| 80C + NPS self (₹2L) ₹1.5L via 80C + ₹50K via 80CCD(1B) | Old regime | −₹60,012/yr |
| 80C + NPS + 80D (₹2.5L) Adds ₹50K health insurance (self + parents) | Old regime | −₹49,608/yr |
| HRA + 80C (rent ₹20K/mo) Metro rent declared, 80C maxed out | Old regime | −₹28,812/yr |
Old regime levers shown as net gain vs new regime with no deductions. A negative figure means new regime still wins even after that lever is pulled.
Other brackets
FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in