12 LPA salary breakdown
| Component | New regime | Old regime |
|---|
| Basic salary (40% of CTC) | ₹4,80,000 | ₹4,80,000 |
| HRA (50% of basic, metro) | ₹2,40,000 | ₹2,40,000 |
| Employer PF | ₹21,600 | ₹21,600 |
| Gratuity (4.81% of basic) | ₹23,088 | ₹23,088 |
| Gross salary | ₹11,55,312 | ₹11,55,312 |
| Employee PF | ₹21,600 | ₹21,600 |
| Professional tax | ₹2,400 | ₹2,400 |
| Income tax + cess | ₹0 | ₹1,49,857 |
| In-hand (annual) | ₹11,31,312 | ₹9,81,455 |
| In-hand (monthly) | ₹94,276 | ₹81,788 |
Assumes 40% basic, metro HRA, PF capped at ₹1,800/month, ₹2,400 professional tax and no other deductions. Your offer letter structure may differ — use the calculator for exact numbers.
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Frequently asked questions
What is the in-hand salary for 12 LPA?
For a 12 LPA CTC, in-hand salary is about ₹94,276 per month (₹11,31,312 a year) under the new regime, assuming 40% basic in a metro city. That is 94.3% of CTC.
How much tax do I pay on 12 LPA?
Zero under the new regime for FY 2026-27 — taxable income after the ₹75,000 standard deduction stays within the ₹12 lakh rebate limit. Under the old regime (no deductions) tax is ₹1,49,857.
Old or new regime for 12 LPA?
With no deductions, the new regime leaves you ₹1,49,857 more per year. The old regime only wins if your 80C, 80D, HRA and home-loan deductions are large — compare with your actual numbers in the regime calculator.
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Educational estimate by CoinCalc, not tax advice.