In-Hand Salary Breakdown

12 LPA In-Hand Salary India FY 2026-27

Exact monthly take-home for 12 LPA CTC under new and old tax regime. Includes PF, professional tax, and HRA breakdown for metro and non-metro cities.

New Regime · Metro
₹94,276/mo
₹11,31,312/year
New Regime · Non-Metro
₹94,276/mo
₹11,31,312/year
Old Regime · Metro
₹85,301/mo
₹10,23,607/year
Full Salary Breakdown -- 12 LPA (New Regime, Metro, Monthly)
Basic Salary₹40,000
HRA (50% of basic)₹20,000
Special Allowance₹36,276
Gross Monthly Salary₹96,276
Employee PF-₹1,800
Professional Tax-₹200
Income Tax (TDS)-₹0
Monthly In-Hand (Take-Home)₹94,276
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual Tax₹0
Monthly In-Hand₹94,276
Old Tax Regime
Deductions ClaimedRs. 2,00,000
Annual Tax₹1,07,705
Monthly In-Hand₹85,301

What is the in-hand salary for 12 LPA in India?

For a 12 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹94,276/mo (₹11,31,312 annually). In a non-metro city it is ₹94,276/mo due to lower HRA.

The difference between your CTC of 12 LPA and the take-home comes from employer PF (₹1,800/month), gratuity provision, employee PF (₹1,800/month), professional tax, and income tax.

City-wise In-Hand Salary for 12 LPA

City TypeTax RegimeMonthly In-HandAnnual Tax
Metro (Mumbai, Delhi, Kolkata, Chennai)New Regime₹94,276₹0
Non-MetroNew Regime₹94,276₹0
Metro (Mumbai, Delhi, Kolkata, Chennai)Old Regime₹85,301₹1,07,705

Frequently Asked Questions

Under the new tax regime in a metro city, 12 LPA CTC gives you ₹94,276/mo monthly in-hand (₹11,31,312/year). In non-metro cities it is ₹94,276/mo/month. These figures assume statutory PF (Rs. 1,800/month) and 40% basic salary structure.
Yes. Under the new tax regime, a 12 LPA CTC results in zero income tax. After the Rs. 75,000 standard deduction, taxable income is below Rs. 12 Lakhs, and Section 87A rebate eliminates the entire tax liability.
For 12 LPA, the new tax regime is better -- it gives ₹94,276/month vs ₹85,301/month under old regime (assuming Rs. 2L in deductions). The difference is ₹8,975/month.
At 12 LPA with 40% basic structure: Basic salary is ₹40,000/month, HRA is ₹20,000/month (50% of basic in metro), and Special Allowance makes up the rest at ₹36,276/month. Gross monthly salary is ₹96,276.