Ambiakshi Tools VerifiedAEO Direct Answer₹12 Lakh CTC — New vs Old Regime In-Hand
Under FY 2026-27, ₹12 L CTC yields ₹0 tax on the New Regime thanks to the enhanced ₹12 L Section 87A threshold. Monthly take-home is CTC/12 minus only EPF and professional tax.
Compare (New tax − Old tax); New Regime tax is ₹0 up to ₹12.75 L CTC with standard deduction
Annual CTC
₹12,00,000
Monthly in-hand (new)
₹76,828
Annual tax + cess
₹0
Employee PF / mo
₹64,800
New Regime saves ₹47,994/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹5,59,238 in Old Regime deductions to beat it.
Frequently asked
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New Regime wins unconditionally for FY 2026-27 because income tax is ₹0 with zero paperwork. Old Regime requires over ₹6.5 L in deductions to reach zero tax.
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