Exact take-home from a ₹12 LPA package after all statutory deductions. FY2024-25, new tax regime.
Monthly in-hand salary
₹88,899
After PF · TDS · Professional tax · New regime · FY2024-25
Monthly gross: ₹96,276 · Annual CTC: ₹12,00,000
Basic salary
₹40,000
40% of CTC · monthly
HRA
₹20,000
50% of basic · monthly
Employee PF
−₹1,800
12% of basic (max ₹1,800)
Income tax (TDS)
−₹5,377
New regime · 5.6% effective
Complete monthly breakdown — ₹12 LPA
Component
Monthly
Annual
Basic salary
₹40,000
₹4,80,000
HRA
₹20,000
₹2,40,000
Special allowance
₹36,276
₹4,35,312
Gross monthly salary
₹96,276
₹11,55,312
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹5,377
−₹64,529
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹88,899
₹10,66,788
Advertisement
AdSense — "12 lpa in hand salary India" ₹60–100 CPC
Key Notes for ₹12 LPA CTC
Salary structure assumed: 40% basic, 50% HRA of basic. Your actual structure may differ.
Tax is under the new regime FY2024-25 with ₹75,000 standard deduction and 4% cess. Effective tax rate: 5.6%.
PF is capped at ₹15,000 wage ceiling — so maximum employee PF is ₹1,800/month regardless of basic.
If you pay rent and declare HRA exemption, TDS reduces further. Use the Tax Regime Picker to compare.
Variable pay and annual bonuses are not included — they are taxed when paid.
Want the exact number for your salary?
This page uses a standard salary structure. Your actual in-hand depends on your employer's PF policy, whether gratuity is in CTC, city, HRA rent declaration and which tax regime you choose.
Get your personalised in-hand calculation
Enter your exact CTC, basic %, city and tax regime for a precise breakdown.