12 LPA In-Hand Salary in India (2026-27)
See the monthly take-home, full salary structure, tax impact, and city comparison for 12 LPA. The calculation follows the exact SalaryPilot breakup formula for FY 2026-27.
Last Updated: April 2026
Monthly Take-Home New Regime
₹94,276
Monthly Take-Home Old Regime
₹85,734
Monthly TDS
₹0
Better Regime
New Regime
Full Salary Component Breakdown Table
| Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| Gross CTC | ₹12,00,000 | ₹1,00,000 |
| Basic Salary (40%) | ₹4,80,000 | ₹40,000 |
| HRA (metro - 50% of basic) | ₹2,40,000 | ₹20,000 |
| Special Allowance | ₹4,35,312 | ₹36,276 |
| PF - Employee | ₹21,600 | ₹1,800 |
| PF - Employer | ₹21,600 | ₹1,800 |
| Gratuity | ₹23,088 | ₹1,924 |
| Professional Tax | ₹2,400 | ₹200 |
| Income Tax/TDS - New Regime | ₹0 | ₹0 |
| Income Tax/TDS - Old Regime | ₹1,02,505 | ₹8,542 |
| NET TAKE-HOME New Regime | ₹11,31,312 | ₹94,276 |
| NET TAKE-HOME Old Regime | ₹10,28,807 | ₹85,734 |
Old vs New Regime Comparison Table
| Parameter | Old Regime | New Regime |
|---|---|---|
| Gross income | ₹11,55,312 | ₹11,55,312 |
| Standard deduction | ₹50,000 | ₹75,000 |
| 80C savings | ₹1,50,000 | Not available |
| Taxable income | ₹9,30,312 | ₹10,80,312 |
| Tax payable | ₹1,02,505 | ₹0 |
| Monthly TDS | ₹8,542 | ₹0 |
| Monthly take-home | ₹85,734 | ₹94,276 |
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