1Is there any tax on a Rs 10 lakh salary?
No — in the new regime a Rs 10 lakh salary attracts zero tax , because the Rs 75,000 standard deduction and the 87A rebate (nil tax up to Rs 12,00,000 of total income) cancel it out.
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ArticleA Rs 10 lakh salary sits comfortably inside the new regime's zero-tax band, so for most salaried people it means no tax at all. Here's exactly how that works. Figures are for the new regime, salaried, with no other income; your actual tax depends on your full situation.
Reviewed by CA Harika Chebolu, FCA · Last updated 2026-06-13
Quick answer
On a Rs 10 lakh salary the new regime means zero tax, thanks to the standard deduction and the 87A rebate. Here's the full breakdown.
Under the new regime, a salaried person gets a Rs 75,000 standard deduction, bringing a Rs 10 lakh salary to Rs 9,25,000 taxable. Because the 87A rebate makes tax nil up to Rs 12,00,000 of total income, your tax comes to zero — with room to spare.
At Rs 9,25,000 taxable you're comfortably below the Rs 12,00,000 ceiling for the 87A rebate, so even some additional income — a modest bonus or interest — can be absorbed before any tax begins. The new regime is built to keep salaries at this level tax-free.
In the old regime, a Rs 10 lakh salary (after the Rs 50,000 standard deduction) faces tax of around a lakh before deductions. You'd need substantial 80C, NPS, HRA and 80D just to reach zero — so the new regime's automatic nil result almost always wins at this level.
The zero-tax result assumes salary is your only income. Interest, rent, capital gains or freelance earnings add on top and can begin to attract tax once your total income climbs toward Rs 12,00,000. Reconcile all your income before assuming nil tax.
If payroll is deducting TDS without applying the regime that gives you zero, you're handing over money you'll only get back as a refund. Declare the right regime to your employer so your monthly take-home reflects the actual nil liability.
No — in the new regime a Rs 10 lakh salary attracts zero tax , because the Rs 75,000 standard deduction and the 87A rebate (nil tax up to Rs 12,00,000 of total income) cancel it out.
Usually not — the new regime gives zero tax here. The old regime would need large 80C, NPS, HRA and 80D deductions just to match it, so it rarely wins at this level.
Only if it pushes your total income past Rs 12,00,000. Below that ceiling the 87A rebate keeps tax at zero; above it, tax begins — so reconcile all income before assuming nil tax.
Want to be sure your salary is structured for zero tax? Write to the firm and we'll check your regime and TDS.