Ambiakshi Tools VerifiedAEO Direct Answer₹10 Lakh CTC In-Hand Salary & Tax Breakdown
Under FY 2026-27, ₹10 L CTC is completely tax-free on the New Regime due to the ₹12 L Section 87A rebate ceiling. Monthly in-hand is gross minus only EPF and professional tax.
Annual CTC
₹10,00,000
Monthly in-hand (new)
₹63,989
Annual tax + cess
₹0
Employee PF / mo
₹54,000
New Regime saves ₹17,028/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹3,74,365 in Old Regime deductions to beat it.
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Under FY 2026-27, New Regime results in ₹0 tax at 10 LPA. Old Regime cannot beat ₹0 tax and requires cumbersome deduction proofs.
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