How we calculated take-home for ₹10 LPA
Starting from a ₹10,00,000 annual CTC, basic salary comes to ₹4,00,000 (40% of CTC) and HRA to ₹1,60,000 (40% of basic). After removing employer PF (₹48,000) and gratuity accrual (₹19,240) — both part of CTC but never paid to you in cash — gross salary works out to ₹9,32,760. Your own PF contribution of ₹48,000 and ₹2,400 professional tax are then deducted, along with income tax under whichever regime you pick.
New regime puts ₹82,130 more in your pocket per year at this CTC level, under these default assumptions. This gap changes with your actual rent, 80C investments, and salary structure — small differences in basic/HRA percentage can shift the comparison meaningfully at this income level.
At ₹10 LPA — rebate zone and regime choice
At ₹10 lakh CTC, most salaried employees sit near the new-regime rebate threshold. With little rent or 80C to claim, the new regime usually wins. If you pay significant metro rent and max Section 80C, run the old regime on the full calculator — the gap can flip.
CTC vs in-hand salary — why they're never equal
CTC (cost to company) always overstates what lands in your bank account, because it includes non-cash components like employer PF contribution and gratuity accrual — money set aside for your future, not paid out monthly. For a full breakdown of every component and to run the numbers with your own company's salary structure, use our in-hand salary calculator.