In-Hand Salary for 12 LPA CTC
A ₹12 LPA (₹12L) cash CTC in India works out to roughly ₹76,836 per month in-hand (₹9,22,026/year) under the new regime for FY 2025-26 (AY 2026-27). Full breakdown below — adjust the split for your exact offer.
Estimated monthly in-hand
₹76,836
Annual in-hand
₹9,22,026
76.8% of cash CTC
| Cash CTC (annual) | ₹12,00,000 |
| Basic salary | ₹5,40,000 |
| Variable / bonus (paid separately) | ₹1,20,000 |
| Employer PF | − ₹64,800 |
| Gratuity | − ₹25,974 |
| Employee PF | − ₹64,800 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹0 |
| Annual in-hand (take-home) | ₹9,22,026 |
Assumes 45% basic, 10% variable, PF on actual basic. Estimate for FY 2025-26 (AY 2026-27).
What ₹12 LPA really means
Your ₹12 LPA CTC includes the employer's PF and gratuity, which never reach you as cash. After removing those and deducting your own EPF (₹64,800), professional tax and income tax (₹0), your take-home is about ₹76,836/month.
You're also building ₹1,29,600/year of EPF retirement savings (employer + employee) that isn't in your monthly in-hand but is still your money.
Want to tweak the numbers for your offer? Use the live calculator below.
Adjust for your exact offer
₹12L per year
Estimated monthly in-hand
₹76,836
₹9,22,026 / year · 76.8% of cash CTC take-home
New vs Old regime
New regime
₹76,836/mo
tax ₹0
Old regime
₹68,659/mo
tax ₹98,119
The new regime gives you ₹98,119 more per year (assuming ₹1,50,000 of old-regime deductions).
Estimate for FY 2025-26 (new regime default). Actual pay varies with your exact salary structure and employer policy. Not tax advice.
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Frequently asked questions
What is the in-hand salary for 12 LPA in India? +
For a ₹12 LPA cash CTC with a typical 45% basic and 10% variable, the estimated monthly in-hand is about ₹76,836 under the new regime for FY 2025-26 — roughly 76.8% of your cash CTC.
How much tax do I pay on 12 LPA? +
The estimated annual income tax (new regime, incl. 4% cess) on a ₹12 LPA CTC is about ₹0. Your exact tax depends on your salary structure and chosen regime.
What is the monthly take-home for 12 LPA? +
About ₹76,836 per month, after removing employer PF and gratuity from CTC and deducting your EPF, professional tax and income tax.
New or old regime for this CTC? +
The new regime gives about ₹98,119 more per year here (assuming ₹1.5L of old-regime deductions).