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CTC ₹12 LPA In-Hand Salary 2025-26 (New Regime) — Golden Fixture
On a CTC of ₹12,00,000 (12 LPA) with 50% basic (₹6,00,000), non-metro city, and Karnataka professional tax (₹2,400), the gross salary is ₹10,99,140 (CTC minus employer EPF ₹72,000 and gratuity ₹28,860). Under the new regime, the §87A rebate makes income tax ₹0 — taxable income of ₹10,24,140 (gross minus ₹75,000 standard deduction) is below the ₹12L rebate ceiling. After employee EPF (₹72,000) and PT (₹2,400), annual in-hand is ₹10,24,740 — ₹85,395/month. In-hand is 85.4% of CTC.
CTC ₹12,00,000, new regime, 50% basic, non-metro, Karnataka PT (FY 2025-26):
- Basic: ₹6,00,000 | HRA: ₹2,40,000 | Special allowance: ₹2,59,140
- Employer EPF: ₹72,000 | Gratuity: ₹28,860 | Gross: ₹10,99,140
- Employee EPF: ₹72,000 | PT: ₹2,400 | Tax: ₹0 (§87A)
- Annual in-hand: ₹10,24,740 | Monthly in-hand: ₹85,395 (85.4% of CTC)
Frequently asked questions
How much is the in-hand salary for 12 LPA CTC?
On ₹12,00,000 CTC with 50% basic, new regime, non-metro, Karnataka PT, the annual in-hand is ₹10,24,740 — ₹85,395/month. That is 85.4% of CTC. Income tax is zero because the §87A rebate applies (taxable income below ₹12L).
Why is 12 LPA CTC in-hand only about 85% of CTC?
The gap between CTC and in-hand comes from: employer EPF (₹72,000) and gratuity (₹28,860) that are part of CTC but never paid out in salary; plus employee EPF (₹72,000) and professional tax (₹2,400) deducted from gross. Together these account for the 14.6% gap.