In-Hand Salary for 6 LPA (FY 2026-27)
A CTC of ₹6 lakh a year works out to about ₹45,000 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹45,000
New regime · ₹5,40,000 a year
- Old regime
- ₹45,000 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹47,600 a month
- Your PF
- ₹2,400 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹6,00,000 | ₹6,00,000 |
| Employer PF | −₹28,800 | −₹28,800 |
| Gross salary | ₹5,71,200 | ₹5,71,200 |
| Your PF | −₹28,800 | −₹28,800 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹4,96,200 | ₹4,90,000 |
| Income tax with cess | −₹0 | −₹0 |
| In hand a year | ₹5,40,000 | ₹5,40,000 |
| In hand a month | ₹45,000 | ₹45,000 |
A month's payslip at 6 LPA
Under the new tax regime, income tax (TDS) is spread out evenly across the year.
| Gross pay | ₹47,600 |
|---|---|
| Your PF | −₹2,400 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹45,000 |
Professional tax is generally ₹200 each month (₹300 for one month in certain states), while some states do not charge it at all.
Ways the salary structure affects it
The same CTC of ₹6 lakh can be split in different ways. Look at your offer letter to see which setup you have.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹45,000 |
| Basic pay 50% of CTC | New | ₹43,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹46,200 |
| Employer PF paid on top of the CTC | New | ₹47,400 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹44,038 |
| No PF deducted | New | ₹49,800 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹45,000 |
Old or new tax regime?
With this salary, the new tax regime results in no income tax, so you end up with at least as much take-home pay as in the old regime, regardless of your deductions.
In-hand salary near 6 LPA
Jobs paying around ₹47,500 a month
41 open jobs on Daily Hirer advertise a pay range that reaches within 15% of this monthly gross pay.
- Software Developer Kochi · ₹50,000–80,000 a month
- Banking Associate Thane · ₹30,000–50,000 a month
- Digital Marketing Executive Remote · ₹40,000–60,000 a month
- Content Writer Remote · ₹35,000–50,000 a month
- Banking Associate Jammu · ₹25,000–45,000 a month
- Software Developer Kozhikode · ₹50,000–80,000 a month