Take-Home Salary for ₹12 lakh CTC in India
On a ₹12 lakh CTC, your estimated monthly in-hand pay is ₹85,395 under the new tax regime for FY 2025-26. Below is the full old vs new regime breakdown (assuming basic at 50% of CTC, Karnataka professional tax).
Your estimated monthly take-home under the new regime
₹85,395/month
The new regime saves you about ₹11,028/month vs the old regime.
Plus ₹6,000/month going into your PF (your savings, not lost).
new regime
RecommendedMonthly in-hand
₹85,395
Gross salary (annual)₹10,99,140
Standard deduction− ₹75,000
Taxable income₹10,24,140
Income tax + cess₹0
Employee PF− ₹72,000
Professional tax− ₹2,400
Net annual in-hand₹10,24,740
old regime
Monthly in-hand
₹74,367
Gross salary (annual)₹10,99,140
Standard deduction− ₹50,000
Taxable income₹10,49,140
Income tax + cess₹1,32,332
Employee PF− ₹72,000
Professional tax− ₹2,400
Net annual in-hand₹8,92,408
How your CTC is split
Basic₹6,00,000
HRA₹3,00,000
Special allowance₹1,99,140
Employer PF₹72,000
Gratuity₹28,860
Employer PF and gratuity are part of CTC but not paid as monthly cash.
These are estimates with default assumptions. Adjust your basic %, state, HRA, and deductions for an exact figure:
Customise in the calculator →Frequently asked questions
- What is the take-home salary for a ₹12 lakh CTC in India?
- On a ₹12 lakh CTC, the estimated monthly in-hand salary is about ₹85,395 under the new tax regime for FY 2025-26, assuming basic pay at 50% of CTC and standard PF contributions.
- How much tax do I pay on a ₹12 lakh salary?
- The estimated annual income tax (including 4% cess) is ₹0 under the new regime. The exact figure depends on your deductions and chosen regime.
- Which tax regime is better for a ₹12 lakh CTC?
- For a ₹12 lakh CTC with no major deductions, the new regime gives a higher take-home. If you have significant HRA, 80C, or home-loan deductions, the old regime may be better — use the calculator to compare your exact case.