12 LPA in-hand salary for FY 2026-27
A CTC of ₹12 lakh a year works out to about ₹90,200 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹90,200
New regime · ₹10,82,400 a year
- Old regime
- ₹79,608 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹95,200 a month
- Your PF
- ₹4,800 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹12,00,000 | ₹12,00,000 |
| Employer PF | −₹57,600 | −₹57,600 |
| Gross salary | ₹11,42,400 | ₹11,42,400 |
| Your PF | −₹57,600 | −₹57,600 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹10,67,400 | ₹10,32,400 |
| Income tax with cess | −₹0 | −₹1,27,109 |
| In hand a year | ₹10,82,400 | ₹9,55,291 |
| In hand a month | ₹90,200 | ₹79,608 |
A month's payslip at 12 LPA
Under the new tax regime, income tax (TDS) is spread evenly throughout the year.
| Gross pay | ₹95,200 |
|---|---|
| Your PF | −₹4,800 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹90,200 |
Professional tax is typically ₹200 monthly (₹300 in one month in certain states), but some states do not charge it.
How salary structure affects it
The ₹12 lakh CTC is divided differently. Refer to your offer letter to see your applicable structure.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹90,200 |
| Basic pay 50% of CTC | New | ₹87,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹96,200 |
| Employer PF paid on top of the CTC | New | ₹95,000 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹88,276 |
| No PF deducted | New | ₹99,800 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹81,923 |
Old or new tax regime?
With this salary, the new regime doesn't charge income tax, so you receive at least as much as under the old regime, regardless of your deductions.
In-hand salary near 12 LPA
Jobs paying around ₹95,000 a month
50 open jobs on Careerwood Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- UI/UX Designer Bengaluru · ₹70,000–1.2 lakh a month
- Healthcare Quality Control Specialist Bengaluru · ₹50,000–90,000 a month
- Senior Software Engineer Remote · ₹80,000–1.2 lakh a month
- Healthcare IT Specialist Bengaluru · ₹60,000–1 lakh a month
- Healthcare Sales Specialist Remote · ₹50,000–90,000 a month
- Healthcare IT Consultant Remote · ₹80,000–1.2 lakh a month
Frequently Asked Questions
How much do you take home monthly for 12 LPA?
You take home about ₹90,200 a month (₹10,82,400 a year) with the new tax regime for FY 2026-27. This assumes your basic pay is 40% of CTC, 12% PF contribution from both you and your employer is included in the CTC, and ₹2,400 a year in professional tax. With the old regime and no other deductions, it's ₹79,608 a month.
How much is the income tax for a 12 LPA salary?
Under the new regime, you pay ₹0 in tax annually on taxable income of ₹10,67,400 after a ₹75,000 standard deduction. No tax applies because your taxable salary is under the ₹12 lakh Section 87A rebate limit. With the old regime, the tax is ₹1,27,109 before any other deductions.
What is the monthly pay for 12 LPA before deductions?
Dividing the CTC by 12 gives ₹1,00,000. Your monthly gross pay ends up being ₹95,200 since the employer's PF of ₹4,800 monthly is within CTC and goes to your PF account, not your pay.
Which tax regime is better for a 12 LPA salary, old or new?
The new tax regime results in no income tax on this salary, so it gives you at least as much take-home pay as the old regime, no matter your deductions.
What is the PF deduction for a 12 LPA salary?
The deduction is ₹4,800 each month: 12% of a ₹40,000 monthly basic pay, matched by your employer. If your employer limits PF to the ₹15,000 wage cap, it's ₹1,800 monthly, raising your take-home pay to roughly ₹96,200 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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