Hindi · Pronunciation Guide
toh with a dental t and a long pure o — no glide, and no puff of air.
to
Length without emphasis is the combination English speakers find hardest to produce, and it is exactly what this word asks for: a long vowel in a syllable that takes no accent because it is a discourse connective.
Listen: तो
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ठीक है, तो कल मिलते हैं।
Ṭheek hai, to kal milte haiṁ.
All right, then see you tomorrow.
Listen: ठीक है, तो कल मिलते हैं।
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"Ṭheek hai, to kal milte haiṁ" opens with ṭheek, which begins with the aspirated retroflex ठ — so the sentence puts a curled-back aspirated stop and a dental unaspirated one within three words. That pairing is the core Hindi consonant contrast in miniature.
English speakers say "toe": alveolar, aspirated and diphthongised. Fix the tongue position first, since it is the most audible, then suppress the puff, then freeze the lips through the vowel. Confusing this with the correlative in agar ... to is a separate, grammatical issue.