From CTC to your bank account 12 LPA CTC
| A year | A month | |
|---|---|---|
| CTC | ₹12,00,000 | ₹1,00,000 |
| Employer PFgoes to your PF account, not your salary | − ₹36,000 | − ₹3,000 |
| Gratuitypaid when you leave after the qualifying service | − ₹28,860 | − ₹2,405 |
| Gross salary | ₹11,35,140 | ₹94,595 |
| Your PFsame as the employer's | − ₹36,000 | − ₹3,000 |
| Professional tax | − ₹2,500 | − ₹208 |
| Income tax (TDS)new regime, cess included | — | — |
| In-hand salary | ₹10,96,640 | ₹91,387 |
An estimate from the usual Indian salary structure. Your payslip can differ with your company's split (HRA, special allowance, meal cards, insurance premiums). Compare both tax regimes with your deductions on the income tax calculator.
12 LPA in hand with different PF rules a month
| Provident fund | In-hand a month |
|---|---|
| Capped at ₹3,000 a month (most companies) | ₹91,387 |
| 12% of full basic | ₹85,387 |
| No PF | ₹97,387 |
12 LPA in hand by state professional tax differs
| State | Professional tax a year | In-hand a month |
|---|---|---|
| Karnataka | ₹2,500 | ₹91,387 |
| Maharashtra | ₹2,500 | ₹91,387 |
| Telangana | ₹2,400 | ₹91,395 |
| Tamil Nadu | ₹2,500 | ₹91,387 |
| Delhi NCR (Delhi, Gurugram, Noida) | None | ₹91,595 |
| Andhra Pradesh | ₹2,400 | ₹91,395 |
| West Bengal | ₹2,400 | ₹91,395 |
| Gujarat | ₹2,400 | ₹91,395 |
| Kerala | ₹2,500 | ₹91,387 |
| Madhya Pradesh | ₹2,500 | ₹91,387 |
| Odisha | ₹2,500 | ₹91,387 |
| Assam | ₹2,496 | ₹91,387 |
| Punjab | ₹2,400 | ₹91,395 |
| Haryana | None | ₹91,595 |
| Uttar Pradesh | None | ₹91,595 |
| Rajasthan | None | ₹91,595 |
How 12 LPA becomes ₹91,387 a month
A 12 LPA CTC is ₹1,00,000 a month on paper.With basic at half of the fixed pay (₹50,000 a month), the employer's PF of ₹3,000 a month and gratuity of ₹2,405 comes out first, which leaves a gross salary of ₹94,595 a month.
From that, your own PF (₹3,000), professional tax (₹208 on average) are deducted; there is no income tax because the taxable income stays within the ₹12 lakh rebate. That leaves ₹91,387 a month in your account, ₹10,96,640 over the year.
Your PF is not lost: ₹6,000 a month builds up in your PF account and earns interest.
Frequently Asked Questions
What is the in-hand salary for 12 LPA?
About ₹91,387 a month, with 50% basic, PF capped at ₹3,000 a month, gratuity in the CTC and professional tax in Karnataka, new tax regime. If your company deducts PF on the full basic it is about ₹85,387.
What is 12 LPA per month?
12 LPA divided by 12 is ₹1,00,000 a month, but that is the CTC, not what you receive. After employer PF, gratuity and your deductions, the in-hand amount is about ₹91,387.
How much income tax is there on 12 LPA?
None in the new regime. The gross salary after employer PF is ₹11,35,140, and after the ₹75,000 standard deduction the taxable income is under ₹12 lakh, so the rebate makes the tax zero.
How much PF is deducted on 12 LPA?
₹3,000 a month from your salary, and the employer adds the same amount from your CTC: ₹6,000 a month goes to your PF account in total.