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₹12 LPA CTC — Monthly In-Hand Salary (FY 2026-27)
₹12 LPA is a very important salary level — it's exactly at the ₹12L zero-tax boundary under the new regime.
Salary Components at 12 LPA
| Component | Annual | Monthly |
|---|---|---|
| Basic (50%) | ₹6,00,000 | ₹50,000 |
| HRA (metro) | ₹3,00,000 | ₹25,000 |
| Special Allowance | ₹1,97,731 | ₹16,478 |
| Employer PF | ₹18,000 | ₹1,500 |
| Gratuity | ₹34,615 | ₹2,885 |
| **Total CTC** | **₹12,00,000** | **₹1,00,000** |
Deductions
| Deduction | Monthly |
|---|---|
| Employee PF | ₹1,800 |
| Professional Tax | ₹200 |
| Income Tax (New Regime) | ₹0 (87A rebate!) |
Final Monthly In-Hand: ~₹74,900
Key FY 2026-27 note: Exactly at Rs.12L, the Section 87A rebate makes your effective tax Rs.0. This is the biggest tax benefit for this salary level in Budget 2026.
Old Regime vs New Regime
| Regime | Annual Tax | Monthly In-Hand |
|---|---|---|
| New Regime (2025) | ₹0 | ~₹74,900 |
| Old Regime (80C+HRA) | ~₹62,000 | ~₹69,700 |
New regime wins at ₹12 LPA by ~₹5,200/month!
Calculate exactly: Tax Estimator
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