In-hand salary · FY 2026-27
₹12 LPA in-hand salary: ₹85,387 a month
On a CTC of ₹12,00,000 a year (₹1,00,000 a month), you take home about ₹85,387 a month, or ₹10,24,640 a year, under the new tax regime. That's 85% of your monthly CTC.
Assumes Basic at 50% of CTC, HRA at 40% of Basic, PF at 12% of actual Basic and Karnataka professional tax. Change any of them in the calculator below.
In-hand a month
₹85,387
In-hand a year
₹10,24,640
Income tax a year
₹0
Your PF a month
₹6,000
What changes the number
₹12 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹85,387 | — |
| Old regime, no deductions beyond your own PF | ₹76,033 | −₹9,354 |
| PF on the ₹15,000 wage ceiling | ₹93,787 | +₹8,400 |
| A state with no professional tax | ₹85,595 | +₹208 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹10,24,140, inside the Section 87A rebate's ₹12,00,000 limit.
- The new regime leaves you ₹9,354 a month better off than the old one (₹76,033), unless you can claim large deductions such as rent, 80C investments or home-loan interest.
- Professional tax in Karnataka is ₹200 a month (₹300 in February). States such as Delhi, Haryana and UP charge none.
- If your employer calculates PF on the ₹15,000 wage ceiling instead of your full Basic, your in-hand rises to ₹93,787 a month, but less goes into your PF account.
Your offer letter is different?
Adjust it to your own salary structure.
Adjust the assumptions below.
₹10,24,640/year in-hand, on ₹12.00 L CTC.
The new regime nets you ~₹9,354/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹6,00,000 50%
- HRA
- ₹2,40,000 20%
- Special allowance (balancing)
- ₹2,59,140 22%
- Employer PF contribution
- ₹72,000 6%
- Gratuity provision
- ₹28,860 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹72,000 7%
- Professional Tax
- ₹2,500 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
Nearby amounts
In-hand salary at other CTCs.
FAQ
₹12 LPA salary, answered.
An estimate on the assumptions above for FY 2026-27, not your payslip and not tax advice. Your employer's salary structure, other income and deductions all change the real figure. Read the full disclaimer.