FY 2025-26 (AY 2026-27) Updated
12 LPA In-Hand Salary Breakdown (FY 2025-26)
For a 12 LPA CTC (₹1,00,000/month gross), discover your exact earnings and statutory deductions. Compare New vs Old regime benefits with ₹75,000 standard deduction.
Loading Salary Calculator...
12 LPA Salary Breakdown Table (Monthly & Annual)
Standard 50% Basic Salary structure with PF & New Tax Regime TDS
| Salary Component | Monthly | Annual | Remarks / Rule |
|---|---|---|---|
| Basic Salary | ₹50,000 | ₹6,00,000 | 50% of CTC base |
| House Rent Allowance (HRA) | ₹25,000 | ₹3,00,000 | 50% of Basic (Metro) |
| Special Allowance | ₹19,000 | ₹2,28,000 | Balancing taxable component |
| Gross Salary (Cash) | ₹94,000 | ₹11,28,000 | Total earnings before deductions |
| Employee Provident Fund (PF) | -₹6,000 | -₹72,000 | 12% of Basic Salary (Statutory) |
| Professional Tax (PT) | -₹200 | -₹2,400 | Standard state PT (~₹200/mo) |
| Income Tax (TDS - New Regime) | -₹0 | -₹0 | ₹0 Tax (Covered by Section 87A Rebate) |
| Net Monthly In-Hand Salary | ₹87,800 | ₹10,53,600 | Directly credited to your bank |
Frequently Asked Questions: 12 LPA In-Hand Salary
Q:What is the monthly in-hand salary for 12 LPA CTC?
For a 12 LPA CTC, your monthly in-hand salary is approximately ₹87,700 to ₹93,800 per month depending on metro/non-metro HRA and PF contributions.
Q:How much PF is deducted per month on 12 LPA?
With a 50% basic salary (₹6,00,000 basic/yr), the employee PF contribution is ₹6,000 per month.
Q:Is 12 LPA tax free in FY 2025-26?
Yes! Under the New Tax Regime, income up to ₹12 Lakhs after standard deduction receives full Section 87A rebate, making the net tax liability ₹0.