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
Income tax (TDS) under the new tax regime is spread out 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 often ₹200 monthly (₹300 in one month in some states), while in some states, there is no charge.
How a salary structure affects pay
The ₹12 lakh CTC can be divided in different ways. Look at your offer letter to see 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 means no income tax, giving you at least as much as the old regime, regardless of deductions.
In-hand salary near 12 LPA
Jobs paying around ₹95,000 a month
38 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Operations Manager Durgapur · ₹60,000–90,000 a month
- Software Tester Mysuru · ₹50,000–90,000 a month
- Software Developer Thane · ₹60,000–1 lakh a month
- Business Analyst Remote · ₹50,000–90,000 a month
- Operations Manager Gwalior · ₹70,000–1 lakh a month
- Software Developer Aurangabad · ₹60,000–90,000 a month
Frequently Asked Questions
What is the in-hand salary for a 12 LPA package?
Approximately ₹90,200 each month (₹10,82,400 annually) with the new tax regime for FY 2026-27, assuming basic pay is 40% of CTC, PF of 12% of basic from both you and your employer included in CTC, and professional tax of ₹2,400 yearly. Under the old regime without other deductions, it's ₹79,608 monthly.
How much income tax do I pay on a 12 LPA salary?
Under the new regime, it's ₹0 yearly on a taxable income of ₹10,67,400 after the ₹75,000 standard deduction. No tax because taxable income is within the ₹12 lakh limit of Section 87A rebate. Under the old regime, it's ₹1,27,109 before other deductions.
What is the monthly salary for 12 LPA before any deductions?
CTC divided by 12 gives ₹1,00,000. Your monthly gross salary is ₹95,200 because the employer's PF contribution of ₹4,800 is part of the CTC but goes to your PF account instead of your salary.
Is it better to use the old or new tax regime for a 12 LPA salary?
The new regime doesn't charge income tax on this salary, so it provides at least as much as the old regime regardless of your deductions.
How much PF is taken out from a 12 LPA salary?
₹4,800 monthly: 12% of ₹40,000 basic pay matched by your employer. If PF applies only to the ₹15,000 cap, it's ₹1,800 monthly, raising in-hand pay 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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