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Monthly in-hand · new regime
₹77,133
₹9,25,600 per year
₹9,25,600 a year.
Assumes basic pay at 40% of CTC, employee PF at 12% of basic capped at ₹3,000 a month, employer PF inside CTC, professional tax of ₹200 a month and the ₹75,000 standard deduction. Slabs are the same for FY 2025-26 and tax year 2026-27. Your figure moves with your salary structure and state.
New regime · higher take-home
₹77,133a month
Tax ₹0 a year. Standard deduction only.
Old regime
₹68,874a month
Tax ₹99,112 a year. Before any deductions.
If you claim section 123 (80C), 80D, home loan interest or HRA, the old regime's take-home rises. Try your own numbers in the in-hand salary calculator, or read the new vs old regime comparison.
A ₹10 LPA (₹10,00,000 per year) CTC gives roughly ₹77,133 in hand a month in the new tax regime for tax year 2026-27, which is about ₹9,25,600 a year. The exact figure depends on your salary structure, PF and the state you work in.
₹83,333 is simply CTC divided by 12. Your CTC includes the employer PF contribution, which never reaches your bank account. On top of that, employee PF, professional tax and income tax (TDS) are deducted from your gross pay, which is why the take-home is lower.
Only if your employer restructures. Since 21 November 2025, allowances above half of total pay count as wages for PF and gratuity, so many employers are moving basic to 50%. If yours does that and takes PF on the full basic, a ₹10 LPA take-home drops to about ₹73,133 a month, ₹4,000 less, while ₹10,000 a month goes into your PF counting both shares. Where PF stays capped at the ₹25,000 wage ceiling, the take-home barely moves.
For a ₹10 LPA CTC, the new regime gives a higher take-home with default assumptions: about ₹77,133 a month under the new regime versus ₹68,874 under the old regime (before counting old-regime deductions like 80C, 80D or HRA). If you claim large deductions, the old regime can pull ahead.