In-hand salary · FY 2026-27
₹12.75 LPA in-hand salary: ₹90,736 a month
On a CTC of ₹12,75,000 a year (₹1,06,250 a month), you take home about ₹90,736 a month, or ₹10,88,836 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
₹90,736
In-hand a year
₹10,88,836
Income tax a year
₹0
Your PF a month
₹6,375
What changes the number
₹12.75 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹90,736 | — |
| Old regime, no deductions beyond your own PF | ₹79,912 | −₹10,824 |
| PF on the ₹15,000 wage ceiling | ₹99,886 | +₹9,150 |
| A state with no professional tax | ₹90,945 | +₹209 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹10,92,836, inside the Section 87A rebate's ₹12,00,000 limit.
- The new regime leaves you ₹10,824 a month better off than the old one (₹79,912), 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 ₹99,886 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.
₹10,88,836/year in-hand, on ₹12.75 L CTC.
The new regime nets you ~₹10,825/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹6,37,500 50%
- HRA
- ₹2,55,000 20%
- Special allowance (balancing)
- ₹2,75,336 22%
- Employer PF contribution
- ₹76,500 6%
- Gratuity provision
- ₹30,664 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹76,500 7%
- Professional Tax
- ₹2,500 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹12.75 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.