12 LPA CTC — In Hand Salary Calculator

On a CTC of ₹12,00,000 (12 LPA), your estimated monthly in-hand salary is ₹88,890 under the New Tax Regime. Tax: ₹64,529, PF: ₹21,600. Free, instant.

Quick answer

With an annual CTC of ₹12,00,000 (12 LPA), your estimated monthly take-home pay is approximately ₹88,890 under the New Tax Regime (FY 2025-26). Your annual in-hand salary works out to about ₹10.67 L. This accounts for employee PF of ₹21,600, income tax of ₹64,529, and professional tax of ₹2,500. The calculation assumes a 40% basic salary component — adjust the basic percentage above if your CTC structure is different. Under the Old Tax Regime, your take-home could be higher or lower depending on your 80C, 80D, HRA, and home loan interest deductions.

₹
₹ 1,00,000₹ 1,00,00,000
% of CTC
30% of CTC60% of CTC

Most Indian employers set basic at 40–50% of CTC.

Estimated monthly in-hand

₹88,890

Annual in-hand
₹10,66,683
Income tax / yr
₹64,529
Employee PF / yr
₹21,600

Frequently asked questions

Other popular calculations

More ready-made scenarios for in-hand salary calculator.

In-Hand Salary for ₹6 lakh CTC
A ₹6 lakh CTC roughly converts to an in-hand salary of ₹45,230 per month after PF, professional tax and New Regime income tax.
In-Hand Salary for ₹8 lakh CTC
A ₹8 lakh CTC roughly converts to an in-hand salary of ₹61,576 per month after PF, professional tax and New Regime income tax.
In-Hand Salary for ₹12 lakh CTC
A ₹12 lakh CTC roughly converts to an in-hand salary of ₹88,890 per month after PF, professional tax and New Regime income tax.
In-Hand Salary for ₹18 lakh CTC
A ₹18 lakh CTC roughly converts to an in-hand salary of ₹1,26,784 per month after PF, professional tax and New Regime income tax.
In-Hand Salary for ₹24 lakh CTC
A ₹24 lakh CTC roughly converts to an in-hand salary of ₹1,60,523 per month after PF, professional tax and New Regime income tax.
3 LPA CTC — In Hand Salary Calculator
On a CTC of ₹3,00,000 (3 LPA), your estimated monthly in-hand salary is ₹21,911 under the New Tax Regime. Tax: ₹0, PF: ₹14,400. Free, instant.
4 LPA CTC — In Hand Salary Calculator
On a CTC of ₹4,00,000 (4 LPA), your estimated monthly in-hand salary is ₹29,284 under the New Tax Regime. Tax: ₹0, PF: ₹19,200. Free, instant.
5 LPA CTC — In Hand Salary Calculator
On a CTC of ₹5,00,000 (5 LPA), your estimated monthly in-hand salary is ₹37,057 under the New Tax Regime. Tax: ₹0, PF: ₹21,600. Free, instant.
6 LPA CTC — In Hand Salary Calculator
On a CTC of ₹6,00,000 (6 LPA), your estimated monthly in-hand salary is ₹45,230 under the New Tax Regime. Tax: ₹0, PF: ₹21,600. Free, instant.
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