Quick answer: under SalaryExit’s default scenario for this page (new regime, state PT placeholder, PF derived from an assumed Basic+DA split), estimated monthly in-hand is roughly ₹97,991.67 before any additional payroll items not modeled here.
Twelve LPA is often discussed as gross CTC — here we treat it as taxable gross for a like-for-like in-hand story. If your offer packs large variable pay, interpret “LPA” consistently before comparing employers.
How SalaryExit calculates estimates (methodology, FY scope, and limits).
Twelve LPA is where many professionals make their first significant job switch, often moving from services to product companies or from tier-2 cities to metros. The in-hand illustration above uses the new regime and a 45% Basic+DA assumption. At this gross level, income tax under the new regime is zero (Section 87A rebate covers the full liability for FY 2025-26), meaning all your deductions are PF and professional tax.
If you are comparing a ₹12 LPA offer at two companies, check whether both have similar PF wage definitions. A company with Basic at 35% of gross has employee PF of roughly ₹5,040/month; a company with Basic at 50% has employee PF of roughly ₹7,200/month. The same headline gross produces nearly ₹2,000/month difference in monthly cash — which adds up to ₹24,000 over a year.
At ₹12 LPA, the regime comparison (old vs new) may start to become relevant if you pay significant rent and can claim a substantial HRA exemption, or if you make maximum 80C investments. Use the tax regime calculator with your actual inputs before instructing your employer on TDS treatment.
| Line | Monthly |
|---|---|
| Gross | ₹1,00,000 |
| Employee PF (estimate) | ₹1,800 |
| Professional tax (placeholder) | ₹208.33 |
| TDS spread (estimate) | ₹0 |
| Estimated in-hand | ₹97,991.67 |
Where your monthly gross goes (same numbers as the table)
Annual tax + cess (engine estimate): ₹0.
Band-specific context (not duplicated on other LPA pages). Still illustrative — tune the calculators for your payslip.
Engine warnings: In-hand is an estimate: actual TDS may differ due to proofs, perquisites, arrears, and surcharges. The monthly TDS line is annual tax ÷ 12 for planning — not a payslip TDS schedule.
This band page is gross → in-hand only. To stress-test rent, commute, and lifestyle spend in a real city scenario, use the tools below — same engines, different question.
Compare similar LPA pages (same engine assumptions across bands).
Picked by band so similar LPA pages don’t all push the exact same reading order.
At lower gross, rent is usually the first lever that swallows savings.
PF, PT, and regime still move the needle before you spend a rupee on rent.
Editorial note. SalaryExit publishes educational estimates with stated assumptions — not tax filing advice, legal opinions, or employer-certified payroll. Read the methodology and disclaimer. FY 2025–26 (AY 2026–27) tax slabs in engine. Site content last reviewed: March 2026. Calculator tax math was last aligned to Union Budget 2025 — new regime slabs & Section 87A (≤₹12L taxable); cess 4%. Surcharge and marginal relief are not modeled — validate Form 16 and CBDT circulars for filing.
Not always. CTC may include employer contributions and non-cash costs. This page interprets the band as annual gross salary for the illustrated scenario unless you change inputs in the calculator.
Payslips reflect actual TDS smoothing, proofs, perquisites, bonuses, and employer-specific PF definitions. This page shows a single transparent scenario using the centralized engine.
This illustration uses the new regime for a common baseline. Compare regimes explicitly using the tax regime calculator and validate with a qualified professional for filing.