What is the in-hand salary for ₹10 LPA?

For a ₹10 LPA CTC, the approximate monthly in-hand salary is ₹62,000–₹66,000 under the new tax regime, accounting for EPF deduction, professional tax, and zero income tax.

Why is CTC so different from in-hand salary?

CTC includes employer EPF (12%), gratuity (4.81%), insurance, and other benefits not paid directly to you monthly.

Is EPF deduction worth it?

Yes. EPF earns 8.15% interest (tax-free up to ₹2.5L contribution), and the employer matches your 12% contribution. It builds substantial retirement corpus.

How can I increase my in-hand salary without changing jobs?

Ask HR to restructure CTC with higher special allowance, opt for flexible benefit plans, choose the optimal tax regime, and submit all investment proofs early.

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Salary of ₹10 LPA — What Is Your In-Hand Salary?

See the exact in-hand salary for ₹10 LPA CTC after PF, tax and deductions. CTC breakup for 6 to 20 LPA salaries.

JeevanPulse Editorial Team

5 June 2025

7 min read 200 words

salaryctcin-hand salarytake hometax deduction

CTC vs In-Hand Salary: The Difference

CTC (Cost to Company) is the total amount your employer spends on you annually. It includes basic salary, HRA, special allowances, employer EPF, gratuity, insurance, and sometimes meal coupons and cab allowances.

In-hand salary is what lands in your bank account. The gap is often 25–35%, because of:

Employee EPF: 12% of basic salary deducted from pay
Income tax (TDS): Deducted based on your tax regime and investments
Professional tax: ₹200/month in most states
Employer contributions: EPF and gratuity are CTC cost but not paid to you monthly

₹10 LPA CTC Breakup

Typical CTC structure for ₹10 LPA (assuming 40% basic):

Component	Monthly	Annual
Basic Salary (40%)	₹33,333	₹4,00,000
HRA (50% of Basic)	₹16,667	₹2,00,000
Special Allowance	₹16,200	₹1,94,400
Employee EPF (12%)	-₹4,000	-₹48,000
Employer EPF (12%)	(CTC cost)	₹48,000
Gratuity (4.81%)	(CTC cost)	₹19,240
Group Insurance	(CTC cost)	₹10,000
Professional Tax	-₹200	-₹2,400
Income Tax (New Regime)	-₹0	-₹0
Approximate In-Hand	₹62,000	₹7,44,000

In-Hand Salary at Different CTC Levels

Monthly in-hand salary at different CTC levels (new tax regime, standard structure):

CTC (LPA)	Monthly CTC	Deductions	Monthly In-Hand	Annual In-Hand
₹6 LPA	₹50,000	₹6,600	₹43,400	₹5,20,800
₹8 LPA	₹66,667	₹8,600	₹58,067	₹6,96,800
₹10 LPA	₹83,333	₹10,400	₹62,000	₹7,44,000
₹12 LPA	₹1,00,000	₹14,000	₹72,800	₹8,73,600
₹15 LPA	₹1,25,000	₹22,500	₹85,800	₹10,29,600
₹20 LPA	₹1,66,667	₹38,000	₹1,06,000	₹12,72,000

How to Negotiate Better In-Hand Salary

Ask for higher special allowance: It goes directly to your in-hand, unlike EPF or gratuity.
Opt for lower basic if allowed: Lower basic means lower EPF deduction, giving you more in-hand now. Trade-off: lower retirement savings.
Request flexible benefits: Fuel reimbursement, meal coupons, or telephone allowance can be tax-exempt.
Negotiate reimbursements: Internet, books, professional development allowances are often tax-free if backed by bills.
Choose tax regime wisely: Inform employer about your chosen regime early for accurate TDS deduction.