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

Roughly 85,000 to 88,000 per month, since income tax is nil up to 12 lakh taxable under the New Regime. The exact figure depends on your basic percent, PF and whether gratuity is part of your CTC.

Why is in-hand much less than CTC?

CTC includes employer PF, gratuity and sometimes variable bonus that never reach your monthly bank credit. Employee PF, professional tax and income tax are then deducted from the rest.

Which tax regime does this use?

The New Tax Regime (default) for FY 2025-26, including the 75,000 standard deduction and Section 87A rebate. The old regime is calculated separately.

Is this my exact salary slip amount?

No, it is a close estimate. Actual take-home varies with your company salary structure, HRA, allowances, insurance and other deductions.

💼 Take-Home Salary Calculator

Turn your CTC into monthly in-hand salary — after PF, PT & income tax.

New Regime · FY 2025-26 (AY 2026-27)

Annual CTC (₹)

Basic pay (% of CTC)

CTC includes gratuity (4.81% of basic) Cap PF at ₹15,000 basic (₹1,800/mo)

Monthly In-Hand Salary (approx.)

₹0

Annual in-hand ₹0

Cash gross (CTC − employer PF/gratuity) ₹0

Employee PF (yr) ₹0

Professional tax (yr) ₹0

Income tax + cess (yr) ₹0

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How your in-hand salary is worked out

Your CTC is the total company cost — it includes parts you never receive in your bank account. To get monthly in-hand we remove them step by step:

Employer PF (12% of basic) and gratuity are part of CTC but not paid to you monthly.
From the remaining cash gross we deduct your employee PF (12% of basic), professional tax (≈₹2,400/year) and income tax under the New Regime (with the ₹75,000 standard deduction, Section 87A rebate up to ₹12L taxable, and 4% cess).

Default assumption: basic = 50% of CTC (you can change it). Tick "Cap PF" if your employer limits PF to the ₹15,000 statutory basic (₹1,800/month).

Frequently Asked Questions

What is the in-hand salary for ₹12 LPA CTC?: Roughly ₹85,000–₹88,000 per month, since income tax is nil up to ₹12L taxable under the New Regime. The exact figure depends on your basic %, PF and whether gratuity is part of your CTC — use the calculator above.
Why is in-hand much less than CTC?: CTC includes employer PF, gratuity and sometimes variable bonus that never reach your monthly bank credit. Employee PF, professional tax and income tax are then deducted from the rest.
Which tax regime does this use?: The New Tax Regime (default) for FY 2025-26, including the ₹75,000 standard deduction and Section 87A rebate. The old regime allows more deductions and is calculated separately.
Is this my exact salary slip amount?: No — it is a close estimate. Actual take-home varies with your company's exact salary structure, HRA, allowances, insurance and other deductions. Check your offer letter or payslip.

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⚠️ Estimate only, based on common assumptions (basic 50% of CTC, 12% PF, New Regime FY 2025-26). Actual in-hand depends on your exact salary structure. Not tax or financial advice — verify with your employer or a professional.