12 LPA in-hand salary (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 out evenly through 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 generally ₹200 monthly (₹300 one month in some states), while some states don't charge it at all.
How changes in your salary structure affect it
The same ₹12 lakh CTC can be divided in different ways. Look at your offer letter to see which way applies to you.
| 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 has no income tax, so it gives you at least as much as the old regime does, regardless of your deductions.
In-hand salary near 12 LPA
Jobs paying around ₹95,000 a month
8 open jobs on Daily Hirer advertise a pay range that reaches within 15% of this monthly gross pay.
- Project Manager Navi Mumbai · ₹60,000–90,000 a month
- Project Manager Noida · ₹70,000–1 lakh a month
- Project Manager Siliguri · ₹60,000–1 lakh a month
- Content Strategist Remote · ₹60,000–90,000 a month
- Software Developer Bengaluru · ₹60,000–90,000 a month
- Mid-Level Financial Consultant Kolkata · ₹50,000–90,000 a month
Frequently Asked Questions
What is the take-home pay for 12 LPA?
Around ₹90,200 per month (₹10,82,400 annually) under the new tax regime for FY 2026-27. This assumes 40% of your CTC as basic pay, a 12% PF from both you and your employer included in the CTC, and ₹2,400 yearly professional tax. Under the old regime without other deductions, it's ₹79,608 monthly.
How much tax do I pay on a 12 LPA salary?
Under the new regime, you owe ₹0 annually, with taxable income at ₹10,67,400 after a ₹75,000 standard deduction. There is no tax because your taxable income stays within the ₹12 lakh limit for the Section 87A rebate. With the old regime, it's ₹1,27,109 before any other deductions.
What is the monthly salary from 12 LPA before cuts?
₹1,00,000 is the CTC divided by 12. Your gross monthly salary amounts to ₹95,200, since the employer’s ₹4,800 monthly PF contribution is part of the CTC and goes into your PF account, not your salary.
Which tax plan is better for 12 LPA, old or new?
The new regime doesn't charge any income tax on this salary, so you keep at least as much money as you would with the old regime, whatever deductions you have.
What is the PF deduction for a 12 LPA salary?
₹4,800 monthly: this is 12% of the ₹40,000 monthly basic pay, matched by your employer. If PF is applied to the ₹15,000 wage ceiling only, it drops to ₹1,800 monthly, and your take-home pay increases to about ₹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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