12 LPA In-Hand Salary — Monthly Take-Home Calculator FY 2025-26
Your in-hand salary at ₹12 LPA CTC is ₹88,277 per month under the new tax regime for FY 2025-26. Income tax is zero due to the 87A rebate. Full salary slip breakdown included.
In-hand salary at ₹12 LPA CTC: ₹88,277/month new regime (zero tax). Gross is ₹11,19,323; deductions are employee PF ₹57,600 and PT ₹2,400.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹88,
Tax: Nil (87A rebate)
Old regime (monthly)
₹78,
Tax: ₹1,20,658/yr
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Assumes basic = 40% of CTC, HRA = 50% of basic, employee and employer PF at 12% of basic each, gratuity provision at (monthly basic x 15)/26 per year, professional tax as per Karnataka rates, and FY 2025-26 tax slabs. Old regime comparison uses standard deduction only — add your actual deductions in the full calculator.