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₹12 LPA is a common offer band — see how much reaches your account monthly and whether new or old regime works better for you.
Most IT companies use 40–50%
Estimated monthly in-hand
₹94,276
₹11,31,312 per year after PF, professional tax, and income tax (new regime).
Gross taxable (annual)
₹11,55,312
Employee PF (annual)
₹21,600
Income tax (annual)
₹0
Basic
₹4,80,000
HRA
₹2,40,000
Special allowance
₹4,35,312
Estimates assume standard CTC structure (employer PF + gratuity in CTC). Actual payslips vary by company policy, variable pay, and deductions. Not tax advice.
Enter your annual CTC and we estimate your monthly in-hand salary after employee PF, professional tax, and income tax under the new or old regime. We use a standard Indian salary structure (basic, HRA, special allowance, employer PF, gratuity) so you can compare headline CTC with real take-home.
FAQ
Common questions about the 12 lpa in-hand salary.
CTC (Cost to Company) is the employer's total annual cost — including employer PF, gratuity, and other components that never reach your bank. In-hand (take-home) salary is what is credited after employee PF, professional tax, and income tax.
For ₹10 LPA with a typical 40% basic structure under the new tax regime (FY 2026-27), monthly in-hand is often around ₹68,000–₹77,000. Exact amounts depend on basic %, city, and tax regime — use the calculator above for your inputs.
For most salaried employees up to ~₹15–20 LPA CTC, the new regime gives higher take-home because of the ₹75,000 standard deduction and Section 87A rebate up to ₹12L taxable income. Old regime can win if you have large 80C, HRA, and home-loan deductions.
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