Disclaimer: This data study is based on generic salary and deduction assumptions under verified FY 2025-26 parameters. It does not constitute tax, investment, or legal advice.
Income Tax on Salary in India: FY 2025-26 Data (₹5 Lakh to ₹50 Lakh)
Direct Answer: At a ₹10 Lakh salary, tax under the New Regime is ₹0 (due to the Section 87A rebate); under the Old Regime with standard deduction only, it is ₹1,06,600, which drops to ₹28,600 if you claim ₹3.75 Lakhs in deductions. Below we have computed the exact tax liability and monthly in-hand earnings at every major salary level from ₹5 Lakh to ₹50 Lakh, comparing both tax regimes and various deduction scenarios.
Methodology
The values on this page are computed using our proprietary calculator engines based on the official tax slabs for FY 2025-26 (Assessment Year 2026-27). All figures include the standard 4% Health & Education Cess. For the Old Regime, we assume a ₹50,000 standard deduction; for the New Regime, a ₹75,000 standard deduction is applied. Surcharges are excluded from the main tables since they apply only to incomes above ₹50 Lakhs.
Old vs New Regime Tax at Every Salary Level (FY 2025-26)
Here is the core dataset outlining your tax liability depending on your regime and the amount of deductions you claim:
| Gross Salary (₹) | New Regime Tax | Old Regime (Std. Deduction Only) | Old Regime (₹3.75L Deductions) | Regime Winner |
|---|---|---|---|---|
| 5,00,000 | ₹0 | ₹0 | ₹0 | Both (₹0 Tax) |
| 8,00,000 | ₹0 | ₹65,000 | ₹0 | Both (₹0 Tax) |
| 10,00,000 | ₹0 | ₹1,06,600 | ₹28,600 | New Regime (Saves ₹28,600) |
| 12,00,000 | ₹0 | ₹1,63,800 | ₹70,200 | New Regime (Saves ₹70,200) |
| 15,00,000 | ₹97,500 | ₹2,57,400 | ₹1,40,400 | New Regime (Saves ₹42,900) |
| 20,00,000 | ₹1,92,400 | ₹4,13,400 | ₹2,96,400 | New Regime (Saves ₹1,04,000) |
| 25,00,000 | ₹2,15,800 | ₹5,69,400 | ₹4,52,400 | New Regime (Saves ₹2,36,600) |
| 30,00,000 | ₹4,75,800 | ₹7,25,400 | ₹6,08,400 | New Regime (Saves ₹1,32,600) |
| 50,00,000 | ₹12,03,800 | ₹13,49,400 | ₹12,32,400 | New Regime (Saves ₹28,600) |
* Note: Surcharges are not included in these figures. For exact comparisons at intermediate salary levels, use our interactive Income Tax Calculator.
Monthly In-Hand Salary under the New Regime
The table below projects the monthly take-home salary for employees under the New Regime (assuming standard deduction is the only claim made):
| Gross Salary (₹) | New Regime Annual Tax | Monthly Take-Home Salary (₹) |
|---|---|---|
| 5,00,000 | ₹0 | ₹41,667 |
| 8,00,000 | ₹0 | ₹66,667 |
| 10,00,000 | ₹0 | ₹83,333 |
| 12,00,000 | ₹0 | ₹1,00,000 |
| 15,00,000 | ₹97,500 | ₹1,16,875 |
| 20,00,000 | ₹1,92,400 | ₹1,50,633 |
| 25,00,000 | ₹2,15,800 | ₹1,90,350 |
| 30,00,000 | ₹4,75,800 | ₹2,10,350 |
| 50,00,000 | ₹12,03,800 | ₹3,16,350 |
These estimates illustrate the cash flow advantages of the New Regime's lower rates, which can be useful when budgeting. For detailed breakdowns of monthly allowances, use our Take-home Salary Calculator.
Calculate your customized monthly salary: Check exactly how HRA, professional tax, and PF contributions affect your net monthly paycheck using our dedicated Take-home Salary Calculator.
Frequently Asked Questions
How much tax do I pay on a ₹10 Lakh salary in FY 2025-26?
Under the New Tax Regime, you pay ₹0 tax on a ₹10 Lakh salary after claiming the standard deduction (reducing taxable income to ₹9.25 Lakhs, which is fully exempt via Section 87A rebate). Under the Old Tax Regime with standard deduction only, you pay ₹1,06,600. If you claim ₹3.75 Lakhs in deductions under the Old Regime, the tax is ₹28,600.
Is ₹12 Lakh salary tax-free in India?
Yes, under the default New Tax Regime, a gross salary of up to ₹12.75 Lakhs is effectively tax-free for salaried individuals (after applying the ₹75,000 standard deduction, the taxable income becomes ₹12 Lakhs, which qualifies for a full Section 87A rebate of up to ₹60,000, bringing the net tax liability to zero).
At what salary does the Old Regime become better?
The Old Regime typically becomes better if your total deductions (standard deduction, Section 80C, HRA, home loan interest, NPS) exceed roughly ₹3.75 Lakhs to ₹4.25 Lakhs per year. The exact tipping point varies based on your specific salary tier.
Official references: Calculations and rules are verified against parameters published by the Income Tax Department of India.