The following versions of Windows 10 support .NET Framework 4.81, where it can be installed separately.
Windows 10 2022 Update
(version 22H2)
Windows 10 November 2021 Update
(version 21H2)
Windows 10 May 2021 Update
(version 21H1)
Windows 10 October 2020 Update
(version 20H2)
Ref:
https://learn.microsoft.com/en-us/dotnet/framework/get-started/system-requirements