LPA in-hand salary per month — CTC to in-hand guide

How to read these articles

“LPA” means lakh per annum, the way Indian offer letters quote cost to company (CTC). Your in-hand salary is lower because CTC also contains the employer’s 12% PF contribution and a gratuity provision (4.81% of basic), and because your own PF, state professional tax and TDS come out of every payslip. Each article uses the same transparent, typical structure — basic 50% of CTC, HRA 40% of basic, Karnataka professional tax — so the numbers are comparable, and then shows how the result changes with a 40% basic, variable pay, other states and the old regime.

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FAQ

How do I convert CTC to in-hand salary?

Subtract employer PF and gratuity (both inside CTC) to get gross salary, then deduct your own 12% PF, professional tax and income tax. Divide by 12 for the monthly in-hand. With basic at 50% of CTC that leaves roughly 88–90% of CTC in hand up to 12 LPA.

What is 10 LPA in hand salary per month?

About ₹71,122 a month in FY 2026-27 under the new regime, with no income tax.

What is 12 LPA in hand salary per month?

About ₹85,388 a month. Taxable income is about ₹10,24,154, inside the ₹12 lakh rebate, so the income tax is nil.

Up to what CTC is there no income tax?

With our typical structure (employer PF and gratuity inside CTC, basic 50%), tax stays nil up to a CTC of roughly ₹13.9 lakh, because gross salary minus the ₹75,000 standard deduction stays within ₹12 lakh.

Rates: FY 2026-27 (tax year 2026-27) under the Income-tax Act 2025 — new-regime slabs nil to ₹4 lakh, then 5% steps to 30% above ₹24 lakh, ₹75,000 standard deduction, rebate up to ₹12 lakh taxable income, 4% cess (unchanged in Union Budget 2026-27). Estimates for information only — not tax advice.