₹10 Lakh Salary Tax Calculation India (FY 2026-27 Example)
Category: Tax & Budget · Published 2026-03-18 · by Priyanka
Let's walk through a clean, numbers-first tax calculation for a ₹10,00,000 CTC salaried employee in FY 2026-27.
Step 1 — Standard Deduction Minus Karo
- New regime: ₹75,000 → taxable ₹9,25,000
- Old regime: ₹50,000 → taxable ₹9,50,000
Step 2 — Slabs Lagao (Budget 2025 — FY 2025-26)
New regime (on ₹9,25,000 taxable):
0–4L: ₹0
4–8L @ 5%: ₹20,000
8–9.25L @ 10%: ₹12,500
Tax before rebate = ₹32,500. Section 87A rebate (up to ₹60,000 if taxable ≤ ₹12L) wipes it out → Final tax = ₹0.
Old regime (after ₹1.5L 80C + ₹25K 80D + ₹50K standard deduction = ₹7,75,000 taxable):
0–2.5L: ₹0
2.5–5L @ 5%: ₹12,500
5–7.75L @ 20%: ₹55,000
Tax = ₹67,500 + 4% cess = ₹70,200.
Step 3 — Winner Chuno
At ₹10L salary, the new regime saves the entire ₹70,200 versus the old regime — a clear win. Old regime only catches up if you have a large home-loan interest deduction + HRA. Run the tax calculator with your exact deductions to confirm.
Aksar Poochhe Jaane Wale Sawaal
India mein ₹10 lakh salary pe kitna tax lagta hai?
Under the new regime (Budget 2025, FY 2025-26): ₹0 — taxable income of ₹9.25L (after ₹75K standard deduction) is fully covered by the enhanced ₹60,000 Section 87A rebate. Under the old regime with ₹1.5L 80C + ₹25K 80D + ₹50K SD: about ₹70,200.
Kya ₹10 lakh salary fully tax-free ho sakti hai?
Yes — under the new regime (Budget 2025), a ₹10 lakh salary is already fully tax-free thanks to the ₹75K standard deduction and ₹60,000 Section 87A rebate (zero tax up to ₹12.75L CTC). No additional planning required.