How much in hand if 12 lpa package in TTL

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What is fixed in that?

77000 approx

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Additional Posts in InHand Salary and Tax Calculation

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Can anyone help me what will by my inhand salary for CTC 31.5 Lakh((No variable) fixed ctc and i have home loan and life insurance of more then 1.5 Lakh
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What should be the approx in hand?
CTC: 14lpa
Fixed: 12.8lpa, Variable: 1.2lpa
80c: 1.5L
Std Deduction: 50K

Apart from this, also let me know how else I can save tax.
Thanks a ton 🙏

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