10 LPA Salary in Bangalore 2025 — In-Hand, Tax & Budget
This page combines salary structure, take-home, tax comparison, and a realistic city budget so you can judge whether 10 lpa in bangalore is actually good value.
Last Updated: April 2026
Quick answer
₹77,930/month
Bangalore is non-metro for HRA, so old-regime HRA benefit is capped at 40% of basic salary.
Full salary breakdown
| Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| CTC | ₹10,00,000 | ₹83,333 |
| Basic Salary | ₹4,00,000 | ₹33,333 |
| HRA (Non-Metro 40%) | ₹1,60,000 | ₹13,333 |
| Special Allowance | ₹3,99,160 | ₹33,263 |
| PF - Employee | ₹21,600 | ₹1,800 |
| Professional Tax | ₹2,400 | ₹200 |
| Tax - New Regime | ₹0 | ₹0 |
| Tax - Old Regime | ₹28,425 | ₹2,369 |
| Net Take-Home - New Regime | ₹9,35,160 | ₹77,930 |
| Net Take-Home - Old Regime | ₹9,06,735 | ₹75,561 |
Old vs New regime comparison
Old Regime
Monthly take-home: ₹75,561
Monthly TDS: ₹2,369
New Regime
Monthly take-home: ₹77,930
Monthly TDS: ₹0
Monthly budget in Bangalore
Rent₹18,000-25,000
Food₹8,000
Transport₹3,000
Utilities₹2,500
Savings possible₹10,000+
Bangalore is non-metro for HRA, so old-regime HRA benefit is capped at 40% of basic salary.
Embedded calculator
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