12 LPA Salary in Hand: The Brutal Truth You Need to Know

12 LPA In Hand Salary: The Truth Behind the Paycheck

So, you just got offered a 12 LPA package and you’re already planning that Goa trip, aren’t you?
But hold up—before you start upgrading your Swiggy orders to “premium,” let’s break down how much 12 LPA in hand salary actually means.

Because here’s the hard truth—12 LPA CTC ≠ 12 LPA in hand salary.

Welcome to the real world of deductions, taxes, EPF, and “other benefits” that you may or may not use. Don’t worry—we’ll walk you through it all, calculator-style.

🧮 What Does 12 LPA Even Mean?

LPA stands for Lakhs Per Annum, so 12 LPA = ₹12,00,000 per year. But that’s your Cost to Company (CTC)—an all-inclusive number, covering everything from your basic salary to the chair you sit on.

If you think of CTC like a pizza, you’re in-hand salary is just a few slices—what you actually get to eat. The rest goes into taxes, PF, gratuity, insurance, and “benefits” you might never use.

🧮 CTC vs In-Hand Salary: What’s the Difference?

Let’s start with the basics. If your offer letter says 12 LPA, that’s your Cost to Company (CTC). It includes:

• Basic salary

• HRA (House Rent Allowance)

• EPF (Employer + Employee Contribution)

• Gratuity

• Bonuses (variable pay)

• Insurance premiums

• Maybe even “reimbursements” you’ll never claim

👉 In short, CTC is what your employer pays. In-hand is what you get to spend.

💼 Breakdown of 12 LPA in Hand Salary (Old vs New Tax Regime)

🧾 12 LPA in Hand Salary After Tax – Old vs New Regime

Let’s assume you’re in your late 20s, no home loan, and claiming standard deductions. We’ll see 12 LPA in hand salary under both old and new tax regime.

✳️ Option A: New Tax Regime

Total Tax (before cess): ₹90,000
Health & Edu Cess (4%): ₹3,600
👉 Total Tax: ₹93,600

Monthly in-hand after tax (New Regime): ₹76,200 – ₹82,000 (approx.)

✳️ Option B: Old Tax Regime (with standard deduction & 80C)

Let’s say you claim:

• ₹50,000 standard deduction

• ₹1.5L under Section 80C (e.g., PF, ELSS, LIC)

Taxable income = ₹12L – ₹2L = ₹10L

Monthly in-hand after tax (Old Regime): ₹74,000 – ₹80,000 (approx.)

Verdict: Unless you claim lots of deductions, the new tax regime is often better for a 12 LPA in hand salary scenario.

📆 Monthly Breakdown: 12 LPA In Hand Salary Per Month

Let’s simplify with an average estimate:

🧠 “If I Get 12 LPA In Hand Salary, What’s My CTC?”

Now flipping the question. If someone says their in-hand is ₹12 LPA, that’s a solid take-home of ₹1,00,000/month. That means their CTC must be somewhere around ₹16–18 LPA, depending on tax and benefits.

🔍 12 LPA in Hand Salary at Top Indian Companies

Let’s decode how the 12 LPA package plays out in popular companies:

In companies like TCS or Infosys, 12 LPA in hand salary may seem generous, but it’s heavily trimmed by PF, tax, and other benefits.

🏦 How to Maximize Your In-Hand Salary at 12 LPA

You can’t change the tax laws (unless you’re Nirmala Sitharaman), but here are smart ways to get more out of your 12 LPA CTC:

1. Use tax-saving instruments – ELSS, PF, PPF, NPS, Term Insurance.

2. Opt for food coupons or Sodexo – tax-free up to ₹2,600/month.

3. Claim HRA smartly – if you’re paying rent.

4. Avoid unnecessary deductions like optional insurances or company gadgets you never use.

📉 Common Misconceptions About 12 LPA in Hand Salary

• ❌ “12 LPA = ₹1L monthly salary” – Nope, that’s before tax.

• ❌ “New tax regime is always better” – Depends on deductions.

• ❌ “I’ll take home more in startups” – Sometimes true, but watch out for lack of PF, health insurance, and job security.

Latest and Commonly Searched LPA Salaries in 2025

Annual Salary (LPA – Lakh per Annum)	Monthly Salary Range (INR)	Yearly Salary Range (INR)
1 LPA in hand salary	₹7,600 – 8,300	₹91,600 – 1,00,000
1.5 LPA in hand salary	₹11,500 – 12,500	₹1,38,600 – 1,50,000
2 LPA in hand salary	₹15,500 – 16,600	₹1,85,600 – 1,97,600
2.3 LPA in hand salary	₹17,817 – 19,100	₹2,13,000 – 2,27,600
3 LPA in hand salary	₹23,300 – 25,000	₹2,79,600 – 2,97,600
3.8 LPA in hand salary	₹29,500 – 31,400	₹3,54,800 – 3,77,600
3.9 LPA in hand salary	₹30,350 – 32,300	₹3,64,200 – 3,87,600
4 LPA in hand salary	₹31,100 – 33,133	₹3,73,600 – 3,97,600
4.5 LPA in Hand Salary	₹30,000–₹32,000	₹3,60,000–3,80,000
5 LPA in hand salary	₹38,900 – 41,400	₹4,67,600 – 4,97,600
5.5 LPA in hand salary	₹42,800 – 45,600	₹5,14,600 – 5,47,600
6 LPA in hand salary	₹45,500 – 49,800	₹5,61,600 – 5,97,600
7 LPA in hand salary	₹51,000 – 54,600	₹6,12,000 – 6,55,200
8 LPA in hand salary	₹57,200 – 62,400	₹6,87,400 – 7,49,600
8.5 LPA in hand salary	₹60,400 – 66,384	₹7,24,800 – 7,96,600
9 LPA in hand salary	₹63,600 – 70,300	₹7,63,200 – 8,43,600
9.2 LPA in hand salary	₹64,900 – 71,800	₹7,74,800 – 8,62,400
9.5 LPA in hand salary	₹66,800 – 73,700	₹8,00,000 – 8,84,900
9.6 LPA in hand salary	₹67,400 – 74,400	₹8,08,000 – 8,93,000
9.8 LPA in hand salary	₹68,700 – 75,700	₹8,24,400 – 9,09,000
10 LPA in hand salary	₹70,000 – 77,000	₹8,40,000 – 9,25,000
11 LPA in hand salary	₹76,300 – 76,300	₹9,15,600 – 10,05,000
11.5 LPA in hand salary	₹79,300 – 87,100	₹9,51,600 – 10,45,300
12 LPA in hand salary	₹82,000 – 90,400	₹9,84,000 – 10,85,400
13 LPA in hand salary	₹87,600 to 97,100	₹10,51,200 to 11,65,800
13.5 LPA in hand salary	₹90,300 to 1,00,400	₹10,83,600 to 12,05,700
14 LPA in hand salary	₹93,100 to 1,03,800	₹11,17,200 to 12,45,800
15 LPA in hand salary	₹98,600 to 1,10,500	₹11,83,200 to 13,26,000
16 LPA in hand salary	₹1,04,100 to 1,17,100	₹12,49,200 to 14,06,200
16.5 LPA in hand salary	₹1,06,900 to 1,20,500	₹12,82,800 to 14,46,800
17 LPA in hand salary	₹1,09,700 to 1,23,700	₹13,16,400 to 14,84,400
17.5 LPA in hand salary	₹1,12,400 to 1,26,700	₹13,48,800 to 15,21,000
18 LPA in hand salary	₹1,15,200 to 1,29,800	₹13,82,400 to 15,57,700
19 LPA in hand salary	₹1,20,700 to 1,35,900	₹14,48,400 to 16,31,000
20 LPA in hand salary	₹1,26,200 to 1,42,000	₹15,14,400 to 17,04,300

🔚 Final Thoughts

So, is 12 LPA in hand salary the jackpot? Well, it’s good—but not “retire on a yacht” good. Understanding your salary structure is key to managing money better and negotiating smarter. Now you know what you really earn—and where it all goes!

💬 Trending FAQs

1. What is the in-hand salary for 12 LPA in India?

Ans: Usually around ₹76,000 – ₹82,000 per month after taxes and deductions.

2. Which is better for 12 LPA: Old or New Tax Regime?

Ans: The new regime often gives higher in-hand salary if you don’t claim many deductions. If you do, the old regime might save more.

3. What is the 12 LPA in hand salary in Infosys or TCS?

Ans: For both companies, in-hand salary is typically between ₹74K to ₹80K/month, varying with location and deductions.

4. Can I increase my in-hand salary at 12 LPA?

Ans: Yes—by claiming full deductions, optimizing benefits, and avoiding high voluntary deductions.

Thank you for reading! If this helped you decode your salary, share it with a friend or colleague—because adulting is hard, but it’s easier when we’re informed.

Check out for more info – TheSalaryinHand