₹12 LPA In-Hand Salary Calculator (FY 2026-27)

Calculate exact in-hand monthly salary for ₹12 lakh CTC CTC. New vs old regime comparison, PF, professional tax, TDS — accurate for FY 2026-27.

Tax🇮🇳India · FY 2026-27Reviewed Apr 2026No sign-up · Runs in your browser

CTC Details

Annual CTC₹12,00,000

City Type

Tax Regime

In-Hand Salary Breakdown

Monthly In-Hand

₹94,276

Annual In-Hand

₹11,31,312

Monthly TDS

₹0

Gross Annual

₹11,55,312

Employee PF

₹21,600

Professional Tax

₹2,400

Take-Home %

94.3%

For estimation only. Not professional financial, tax, or legal advice. Consult a qualified advisor before making decisions. Full disclaimer.

How it works

Quick answer

For ₹12 lakh CTC CTC under the new regime (FY 2026-27, metro), your in-hand take-home is approximately ₹94,276/month(₹11,31,312/year). Old regime: ₹81,788/month. The new regime saves you ₹1,49,857.344 per year unless you claim significant deductions (80C, HRA, home loan).

How ₹12 lakh CTC CTC breaks down

₹12 lakh CTC sounds like a large number, but only roughly 94% lands in your bank. Here's where the rest goes (assuming a typical 40% basic structure, metro HRA, new regime):

Employer PF (12% basic): ₹57,600 — part of CTC, not of gross. Builds your retirement.
Gratuity accrual (4.81% basic): ₹23,088 — paid out on exit after 5 years.
Employee PF (12% basic): ₹57,600 — your own retirement contribution.
Professional tax (state): ~₹2,400/year in metros. Negligible.
TDS (annual): ₹0 — your annual income tax under new regime.

Comparing offers at ₹12 lakh CTC

Two $₹12 lakh CTC offers can have wildly different in-hand because of structure. A heavy-basic offer (Basic 50%) gives you ₹10,63,433-ish per year because of higher PF; a leaner basic (30%) gives you closer to ₹11,76,564 — but builds less PF for retirement. Always ask for the salary annexure before accepting.