12 LPA Take Home Salary — Net In-Hand Salary FY 2025-26
At ₹12 LPA CTC, your monthly take-home is ₹88,277 under the new tax regime (zero tax, 87A rebate) and ₹78,324 under the old regime. New regime saves ₹9,953 per month.
Monthly take-home at ₹12 LPA CTC: ₹88,277 (new regime, zero tax) vs ₹78,324 (old regime, ₹1,19,439 tax). New regime is better by ₹9,953 per month unless old-regime deductions exceed ₹2.56 lakh.
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.