With a ₹12 Lakh annual CTC, your monthly take-home is 88,276 under the New Tax Regime (FY 2025-26). Income tax is zero — the 87A rebate applies (taxable income below ₹12 lakh).
MONTHLY TAKE-HOME
₹88,276
₹12 Lakh CTC · 0.9% take-home · Annual: ₹10.59 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹40,000 | ₹4,80,000 |
| HRA | ₹20,000 | ₹2,40,000 |
| Special Allowance | ₹33,276 | ₹3,99,312 |
| PF (Employer) — not in hand | ₹4,800 | ₹57,600 |
| Gratuity (accrual) — not in hand | ₹1,924 | ₹23,088 |
| Gross Salary (taxable) | ₹93,276 | ₹11,19,312 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹4,800 | − ₹57,600 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹0 | − ₹0 |
| TAKE-HOME (NET) | ₹88,276 | ₹10.59 L |
ANNUAL TAX
₹0
TAXABLE INCOME
₹10.44 L
EFFECTIVE RATE
0%
TAKE-HOME OF CTC
0.9%
✔ Zero Income Tax — Section 87A Rebate Applies
Taxable income ₹1,044,312 is below ₹12,00,000 — full rebate under New Tax Regime FY 2025-26.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹93,276 | ₹0 | ₹88,276 | ₹10.59 L | 0.9% |
| Old Regime Metro | ₹93,276 | ₹1.39 L | ₹76,724 | ₹9.21 L | 0.8% |
| New Regime Non-Metro | ₹93,276 | ₹0 | ₹88,276 | ₹10.59 L | 0.9% |
| New Regime PF Capped ★ | ₹96,276 | ₹0 | ₹94,276 | ₹11.31 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹12 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only