worldofcalcs12 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹12 lakh (₹1,00,000 a month) gives an in-hand salary of about ₹85,387 a month under the new tax regime and ₹76,076 under the old regime, with a typical structure: basic at 50% of CTC, PF of 12% on the full basic, gratuity included in the CTC and ₹2,500 a year of professional tax.
The new regime leaves you ₹1,11,725 more a year. Take-home for the year: ₹10,24,640.
Monthly salary slip
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary | ₹91,595 | ₹91,595 |
| Your PF contribution | -₹6,000 | -₹6,000 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | ₹0 | -₹9,310 |
| In-hand salary | ₹85,387 | ₹76,076 |
CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹6,00,000 | ₹50,000 |
| HRA (40% of basic) | ₹2,40,000 | ₹20,000 |
| Special allowance | ₹2,59,140 | ₹21,595 |
| Employer PF | ₹72,000 | ₹6,000 |
| Gratuity (4.81% of basic) | ₹28,860 | ₹2,405 |
| CTC | ₹12,00,000 | ₹1,00,000 |
Employer PF and gratuity are part of the CTC but aren't paid to you each month: PF goes into your EPF account, and gratuity is paid when you leave after five years.
How your salary structure changes take-home pay
| Structure | In-hand a month (new regime) |
|---|---|
| Basic 50% of CTC, PF on full basic | ₹85,387 |
| Basic 50% of CTC, PF capped at ₹25,000 basic | ₹91,387 |
| Basic 40% of CTC, PF on full basic | ₹88,268 |
| Basic 40% of CTC, PF capped at ₹25,000 basic | ₹91,868 |
Since 17 September 2026 the EPF wage ceiling is ₹25,000 a month. Employers who cap PF deduct at most ₹3,000 a month, which raises in-hand pay but puts less into your EPF. Under the labour codes, basic pay plus DA must be at least half of your pay, so structures with a low basic are being phased out.
New or old tax regime?
The new regime charges no tax at 12 LPA, because taxable income of ₹10,24,140 is within the ₹12 lakh rebate limit. The old regime would charge ₹1,11,725 a year with only PF under 80C. For the old regime to come out ahead, you would need about ₹4,74,640 of deductions on top of your PF and professional tax, such as HRA, other 80C investments, health insurance and home loan interest.
Nearby salaries
| CTC | In-hand a month (new) | In-hand a month (old) |
|---|---|---|
| 10 LPA | ₹71,121 | ₹64,778 |
| 11 LPA | ₹78,254 | ₹70,427 |
| 12 LPA | ₹85,387 | ₹76,076 |
| 13 LPA | ₹92,520 | ₹81,203 |
| 14 LPA | ₹99,017 | ₹86,111 |
Change the structure in the in-hand salary calculator
Also see: Income Tax Calculator · HRA Exemption Calculator · EPF Calculator · CTC vs in-hand salary guide
Questions
Estimates for tax year 2026-27 for a resident under 60 with no other income and no variable pay. Your payslip depends on your employer's structure, your state's professional tax and the deductions you declare.