The 12 LPA salary, 12 LPA CTC, and 12 LPA in hand salary puzzle many professionals. 12 LPA: how much per month? 12 lakh CTC in hand salary under the new tax regime, or CTC 12 LPA in hand salary? These are common queries.
The CTC (Cost to Company) is simply the amount a company pays an employee in the whole year, and the in-hand salary is the amount that you actually receive after the deduction of PF, professional tax, insurance, and income tax.
Under the new tax regime announced in the Union Budget 2026, no income tax is payable on income up to ₹12 LPA (link). But if 12 LPA is your in-hand value, then your CTC will be more than ₹12 lakh, and income tax will be applicable.
In this article, we explain:
2026 Salary Breakdown and Tax Calculation
12 LPA CTC in-hand salary
In-hand salary of ₹12 lakh CTC under the new tax regime
What is a Salary Calculator?
Salary calculator: This tool calculates your in-hand take-home salary after all the deductions. It calculates:
- Monthly and annual salary
- Total deductions
- Net in-hand income
Salary calculator is helpful to know the 12 LPA per month salary, 12 LPA CTC in-hand salary, and how much 12 LPA per month is after tax.
How to Use a Salary Calculator?
To use a salary calculator to figure out your take-home salary, follow these quick and simple steps:
- Choose whether you want to calculate your monthly or yearly salary.
- Enter the gross salary and total bonuses to find out the Cost-to-Company (CTC).
- Enter your basic salary percentage of the CTC.
The calculator may proceed with your basic salary as 50% of the CTC by default; you may change it as per your needs.
Once you input the required details, the calculator will quickly provide the following information.
- Basic Salary
- HRA
- Other Allowances
- Provident Fund
- Professional Tax
- Total Deductions
- Net Salary
- Income Tax
- Net Salary Post Tax
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How Much Is 12 LPA Per Month?
The simple calculations are if someone asks what a 12 LPA salary means, how much per month.
- 12 LPA in Rupees = ₹12,00,000 per year
- ₹1,00,000 per month (before deductions) = ₹12,00,000 ÷ 12
- Though 12 LPA in hand salary is associated with tax, PF, and other deductions.
Salary Calculation Formula
The same is defined as below: Take-Home Salary = Gross Salary – (Income Tax + EPF + Professional Tax)
Gross Salary = Basic Salary + Allowances + Bonuses
Your Taxable Income = your Gross Salary-less deductions
1) Estimated Salary Structure for ₹12 LPA Fixed in Hand Salary
| Component | Monthly (₹) | Annually (₹) |
| Earnings | ||
| Basic Wage | 45,000 | 5,40,000 |
| House Rent Allowance (HRA) | 18,000 | 2,16,000 |
| Conveyance/Transport Allowance | 1,600 | 19,200 |
| Medical Expenses | 1,250 | 15,000 |
| Other/Special Allowances | 30,150 | 3,61,800 |
| Deductions | ||
| EPF Contribution by Employee (12%) | 5,400 | 64,800 |
| EPF Contribution by Employer (12%) | 5,400 | 64,800 |
| Health Insurance | 1,000 | 12,000 |
| Professional Tax | 200 | 2,400 |
| Net Salary (Total earnings – Deductions) | ₹88,400 | ₹10,60,800 |
2) Estimated Salary Structure for ₹12 LPA CTC Salary
| Component | Monthly (₹) | Annually (₹) |
| Earnings | ||
| Basic Wage | 45,000 | 5,40,000 |
| House Rent Allowance (HRA) | 18,000 | 2,16,000 |
| Conveyance/Transport Allowance | 1,600 | 19,200 |
| Medical Expenses | 1,250 | 15,000 |
| Other/Special Allowances | 49,150 | 5,89,800 |
| Deductions | ||
| EPF Contribution by Employee (12%) | 5,400 | 64,800 |
| Health Insurance | 1,000 | 12,000 |
| Professional Tax | 200 | 2,400 |
| Net Salary (Total earnings – Deductions) | ₹1,00,400 | ₹12,04,800 |
3) Estimated Salary Structure for 112 LPA in hand salary Per Month
| Component | Monthly (₹) | Annually (₹) |
| Earnings | ||
| Basic Wage | 45,000 | 5,40,000 |
| House Rent Allowance (HRA) | 18,000 | 2,16,000 |
| Conveyance/Transport Allowance | 1,600 | 19,200 |
| Medical Expenses | 1,250 | 15,000 |
| Other/Special Allowances | 49,150 | 5,89,800 |
| Total Gross Salary | 1,15,000 | 13,80,000 |
| Deductions | ||
| EPF Contribution by Employee (12%) | 5,400 | 64,800 |
| Health Insurance | 1,000 | 12,000 |
| Professional Tax | 200 | 2,400 |
| Income Tax (Approx.) | 12,000 – 15,000 | 1,44,000 – 1,80,000 |
| Total Deductions | 18,600 – 21,600 | 2,23,200 – 2,59,200 |
| Net In-Hand Salary (After Deductions & Tax) | ₹78,000 – ₹81,400 | ₹9,36,000 – ₹9,76,800 |
Salary Components of 12 LPA in hand salary
Basic Salary
It consists of basic salary, which normally is 40%–50% of CTC, and is used to calculate PF, HRA, and gratuity, as it is the base salary.
House Rent Allowance (HRA)
HRA is partially exempt under Section 10(13A) if you reside in a rented accommodation.
Leave Travel Allowance (LTA)
LTA-Leave travel allowance is given for travelling domestically and is tax-exempt under 10(5).
Special Allowance
Truly, special allowance can completely differ by organization, and it is chargeable to tax as per the material duty section below the salary head.
Bonus
Performance-based bonuses are fully taxable.
Employee Provident Fund (EPF)
Employees are required to pay 12% of their basic salary, which qualifies for tax deduction under Section 80C.
The employer’s contribution to the EPF is included in the CTC but is not listed on the salary slip.
12 LPA in Hand Salary New Tax Regime-Tax Liabilities
| Particulars | Old Tax Regime (₹) | New Tax Regime (₹) |
| Gross Salary u/s 17(1) | 12,00,000 | 12,00,000 |
| Less: Exemptions u/s 10 | ||
| Reimbursement | NA | Nil |
| Children’s Education & Hostel Allowance | NA | Nil |
| Less: Deduction u/s 16 | ||
| Standard Deduction | 50,000 | 75,000 |
| Deduction of Professional Tax Paid | 2,400 | Nil |
| Income under the Head “Salary” | 11,47,600 | 11,25,000 |
| Less: Deductions under Chapter VI-A | ||
| Section 80C (Investments like PPF, LIC) | 1,50,000 | Nil |
| Section 80D (Health Insurance) | 50,000 | Nil |
| Section 80E (Education Loan Interest) | 25,000 | Nil |
| Net Total Taxable Income | 8,22,600 | 11,25,000 |
| Income Tax Calculation | ||
| Income Tax (Including Surcharge & Cess) | ₹80,120 | ₹72,800 |
| Less: Rebate u/s 87A | 0 | 0 |
| Final Tax Liability (Including Cess) | ₹80,120 | ₹72,800 |
Latest and Commonly Searched LPA Salaries in 2026
| Annual Salary (LPA – Lakh per Annum) | Monthly Salary Range (INR) | Yearly Salary Range (INR) |
| 1 LPA in hand salary | ₹7,600 – 8,300 | ₹91,600 – 1,00,000 |
| 1.5 LPA in hand salary | ₹11,500 – 12,500 | ₹1,38,600 – 1,50,000 |
| 2 LPA in hand salary | ₹15,500 – 16,600 | ₹1,85,600 – 1,97,600 |
| 2.3 LPA in hand salary | ₹17,817 – 19,100 | ₹2,13,000 – 2,27,600 |
| 3 LPA in hand salary | ₹23,300 – 25,000 | ₹2,79,600 – 2,97,600 |
| 3.8 LPA in hand salary | ₹29,500 – 31,400 | ₹3,54,800 – 3,77,600 |
| 3.9 LPA in hand salary | ₹30,350 – 32,300 | ₹3,64,200 – 3,87,600 |
| 4 LPA in hand salary | ₹31,100 – 33,133 | ₹3,73,600 – 3,97,600 |
| 4.5 LPA in Hand Salary | ₹30,000–₹32,000 | ₹3,60,000- 3,80,000 |
| 5 LPA in hand salary | ₹38,900 – 41,400 | ₹4,67,600 – 4,97,600 |
| 5.5 LPA in hand salary | ₹42,800 – 45,600 | ₹5,14,600 – 5,47,600 |
| 6 LPA in hand salary | ₹45,500 – 49,800 | ₹5,61,600 – 5,97,600 |
| 7 LPA in hand salary | ₹51,000 – 54,600 | ₹6,12,000 – 6,55,200 |
| 8 LPA in hand salary | ₹57,200 – 62,400 | ₹6,87,400 – 7,49,600 |
| 8.5 LPA in hand salary | ₹60,400 – 66,384 | ₹7,24,800 – 7,96,600 |
| 9 LPA in hand salary | ₹63,600 – 70,300 | ₹7,63,200 – 8,43,600 |
| 9.2 LPA in hand salary | ₹64,900 – 71,800 | ₹7,74,800 – 8,62,400 |
| 9.5 LPA in hand salary | ₹66,800 – 73,700 | ₹8,00,000 – 8,84,900 |
| 9.6 LPA in hand salary | ₹67,400 – 74,400 | ₹8,08,000 – 8,93,000 |
| 9.8 LPA in hand salary | ₹68,700 – 75,700 | ₹8,24,400 – 9,09,000 |
| 10 LPA in hand salary | ₹70,000 – 77,000 | ₹8,40,000 – 9,25,000 |
| 11 LPA in hand salary | ₹76,300 – 76,300 | ₹9,15,600 – 10,05,000 |
| 11.5 LPA in hand salary | ₹79,300 – 87,100 | ₹9,51,600 – 10,45,300 |
| 12 LPA in hand salary | ₹82,000 – 90,400 | ₹9,84,000 – 10,85,400 |
| 13 LPA in hand salary | ₹87,600 to 97,100 | ₹10,51,200 to 11,65,800 |
| 13.5 LPA in hand salary | ₹90,300 to 1,00,400 | ₹10,83,600 to 12,05,700 |
| 14 LPA in hand salary | ₹93,100 to 1,03,800 | ₹11,17,200 to 12,45,800 |
| 15 LPA in hand salary | ₹98,600 to 1,10,500 | ₹11,83,200 to 13,26,000 |
| 16 LPA in hand salary | ₹1,04,100 to 1,17,100 | ₹12,49,200 to 14,06,200 |
| 16.5 LPA in hand salary | ₹1,06,900 to 1,20,500 | ₹12,82,800 to 14,46,800 |
| 17 LPA in hand salary | ₹1,09,700 to 1,23,700 | ₹13,16,400 to 14,84,400 |
| 17.5 LPA in hand salary | ₹1,12,400 to 1,26,700 | ₹13,48,800 to 15,21,000 |
| 18 LPA in hand salary | ₹1,15,200 to 1,29,800 | ₹13,82,400 to 15,57,700 |
| 19 LPA in hand salary | ₹1,20,700 to 1,35,900 | ₹14,48,400 to 16,31,000 |
| 20 LPA in hand salary | ₹1,26,200 to 1,42,000 | ₹15,14,400 to 17,04,300 |
Conclusion
Understanding a 12 LPA In-Hand Salary, how much per month, 12 LPA CTC in-hand salary, and 12 LPA in hand salary is not very complicated once you know the salary structure and the tax rules.
Salary calculator helps you know about:
- Actual monthly income
- Deductions
- Tax liability
- Savings and investments
If you want to plan your finances better, calculate the 12 LPA In Hand Salary of your 12 LPA package, and know your worth while on a salary. Knowing your 12 LPA package in-hand salary is important.
(FAQs): About 12 LPA in Hand Salary
How Many Monthly Income Before Tax 12 LPA 2026?
A ctc of 12 LPA (₹12,00,000 per annum) means a gross monthly ctc of around ₹1,00,000 before tax and deductions. It includes basic pay, HRA, allowances, and all the other benefits under the employer.
12 LPA is a good salary in India in 2026?
Yes, 12 LPA is a good salary in India, especially for 3 – 6 years experienced professionals. It provides a comfortable life in most of the cities, good savings with the ability to take loans and invest.
Which tax regime is better for a 12 LPA In Hand Salary 2026?
On the whole, if you have limited deductions and exemptions, the new tax regime is usually favourable. But if you are claiming HRA, 80C, 80D, and home loan benefits, then the old tax regime is the one that will give you a higher in-hand salary.
What are the deductions made from your 12 LPA In Hand Salary?
Some of the common deductions are income tax, employee PF contribution (12% of basic), professional tax (if applicable), health insurance premium, etc. These deductions will directly hit the net salary, which is received monthly.
How much in hand for Freshers per month in 12 LPA?
For freshers, a 12 LPA in hand salary in a month would usually be around ₹70,000 to ₹80,000 per month (in-hand) as per the company benefits, if less PF is contributed, and other taxes (if applicable) are taken into account.
Is a 12 lakh salary zero tax?
According to the rebate announced by Finance Minister Nirmala Sitharaman in the 2026 Union Budget, those earning up to Rs 12 LPA will have zero tax liability. However, the tax liability increases to Rs 61,500 if the taxable income exceeds Rs 12 LPA.
What is the basic salary formula?
To calculate Basic salary, use this formula:
Basic Salary = Gross Pay – Total Allowances (HRA, LTA, medical insurance, dearness allowance, etc.)
What are the main components of a salary structure?
The main components of a salary structure are basic salary, HRA, DA, conveyance, medical allowance, special allowance, provident fund, professional tax, and bonuse.