12 LPA in hand salary: ₹90,192 per month
A 12 LPA CTC leaves ₹90,192 a month in hand under the new tax regime and ₹83,210 under the old, in Karnataka for FY 2026-27, assuming basic at 40% of CTC and employer PF inside CTC. That is ₹10,82,300 a year in your account; the new regime is better here by ₹83,782 a year.
- State
- Karnataka
- City class
- Metro
- Basic salary
- 40% of CTC
- Variable / bonus
- 0% of CTC
- Monthly rent
- ₹25,000 · drives old-regime HRA
- 80C investments
- ₹0 declared
- NPS 80CCD(1B)
- ₹0
Change any of these and the same FY 2026-27 engine recomputes everything, HRA, professional tax and both regimes included.
Open in the full calculator →12 LPA monthly payslip, both regimes
annual figures · at the calculator defaults| Component | New regime | Old regime |
|---|---|---|
| Gross taxable salary | ₹11,42,400 | ₹11,42,400 |
| Standard deduction | −₹75,000 | −₹50,000 |
| HRA exemption (rent ₹25,000/mo) | – | −₹1,92,000 |
| 80C incl. your PF + NPS | – | −₹57,600 |
| Taxable income | ₹10,67,400 | ₹8,40,300 |
| Income tax incl. 4% cess | −₹0 | −₹83,782 |
| Your PF + professional tax | −₹60,100 | −₹60,100 |
| In hand per month | ₹90,192 | ₹83,210 |
Four realistic scenarios at 12 LPA
how structure changes what you take home| Scenario | Regime | In-hand /mo |
|---|---|---|
| Standard structure, no investments declared | New | ₹90,192 |
| Full 80C (₹1.5L) + NPS ₹50k declared | Old | ₹85,678 |
| 10% of CTC as variable pay | New | ₹91,152 + bonus |
| ₹30k rent in a metro, HRA claimed | Old | ₹83,210 |
Frequently asked questions
₹90,192 per month under the new tax regime (₹10,82,300 a year), assuming basic at 40% of CTC and employer PF inside CTC, in Karnataka for FY 2026-27.
It is around the median for mid-level tech roles in major hubs; the roles list above shows who pays it and at what experience.
₹0 a year under the new regime (effective 0.0% of gross) and ₹83,782 under the old with the deductions assumed here.
CTC includes employer PF and accruals that never hit your account; income tax, your own PF and professional tax are deducted before payout. The payslip table above bridges every rupee.
New. It saves ₹83,782 a year at the assumptions here. The break-even moves with rent and 80C; test yours in the full calculator.