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, with income tax (TDS) spread across 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 a month (₹300 in one month in some states), with some states not charging it at all.
How salary structure affects it
CTC of ₹12 lakh, divided in different ways. Check your offer letter to know which applies.
| 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 in-hand as the old regime, regardless of deductions.
In-hand salary near 12 LPA
Jobs paying around ₹95,000 a month
16 open jobs on InnHirers advertise a pay range that reaches within 15% of this monthly gross pay.
- Finance Consultant Remote · ₹70,000–1 lakh a month
- Finance Consultant Mumbai · ₹80,000–1.2 lakh a month
- Healthcare Administrator Mumbai · ₹70,000–1 lakh a month
- Data Analyst Bengaluru · ₹60,000–85,000 a month
- Event Manager Bengaluru · ₹60,000–90,000 a month
- Remote Financial Consultant Remote · ₹60,000–1 lakh a month
Frequently Asked Questions
What is the in-hand monthly salary for a 12 LPA package?
Approximately ₹90,200 monthly (₹10,82,400 yearly) with the new tax regime for FY 2026-27, if basic pay is 40% of CTC, PF is 12% of basic pay from both you and your employer included in the CTC, and professional tax is ₹2,400 yearly. With the old regime and no other deductions, it's ₹79,608 monthly.
How much tax is paid on a 12 LPA salary?
₹0 yearly under the new regime on taxable income of ₹10,67,400 after the ₹75,000 standard deduction. No tax due as taxable income is within the ₹12 lakh limit for the Section 87A rebate. Under the old regime, it is ₹1,27,109 before any other deductions.
What's the monthly salary before deductions on a 12 LPA CTC?
CTC divided by 12 equals ₹1,00,000. Monthly gross pay is ₹95,200 as the employer's PF of ₹4,800 monthly is in the CTC but goes straight to your PF account.
Is the new tax regime or the old one better for 12 LPA?
The new regime has no income tax for this salary, so it leaves you at least as much as the old regime, regardless of deductions.
What PF deduction is there for a 12 LPA salary?
₹4,800 a month: 12% of ₹40,000 basic salary, matched by the employer. If the employer uses the ₹15,000 wage ceiling for PF, it's ₹1,800 monthly, raising your in-hand pay to about ₹96,200.
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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