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
With the new tax regime, income tax (TDS) is evenly distributed 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 often ₹200 monthly (₹300 in one month in some states), while some states don't charge any.
Effect of Salary Structure on In-Hand Pay
Different splits of the same ₹6 lakh CTC. Look at your offer letter to see which one is for you.
| 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?
The new tax regime does not charge income tax on this salary, leaving you with at least as much as the old regime, regardless of deductions.
In-hand salary near 6 LPA
Jobs paying around ₹47,500 a month
324 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Digital Marketing Executive Remote · ₹35,000–50,000 a month
- Software Tester Mysuru · ₹50,000–90,000 a month
- Content Writer Remote · ₹25,000–50,000 a month
- UI/UX Designer Ahmedabad · ₹40,000–80,000 a month
- Digital Marketing Executive Remote · ₹25,000–50,000 a month
- Operations Executive Nellore · ₹40,000–70,000 a month
Frequently Asked Questions
What is the in-hand pay for 6 LPA?
Around ₹45,000 each month (₹5,40,000 a year) under the new tax regime for FY 2026-27, with a basic pay making up 40% of the CTC, 12% PF on basic from you and your employer counted in the CTC, and ₹2,400 yearly of professional tax. Under the old tax regime with no other deductions, it is ₹45,000 monthly.
What is the tax on a 6 LPA salary?
₹0 annually under the new regime, based on a taxable income of ₹4,96,200 after a ₹75,000 standard deduction. No tax is owed as the taxable income stays under the ₹12 lakh Section 87A rebate threshold. Under the old regime, it is also ₹0 before any other deductions.
What is the monthly pay before cuts for 6 LPA?
Dividing the CTC by 12 gives ₹50,000. The monthly gross is ₹47,600 because the employer's ₹2,400 monthly PF part of the CTC goes to your PF account instead of your pay.
Is it better to use the old or new tax regime for 6 LPA?
The new regime has no income tax on this salary, leaving you with at least as much money as the old regime regardless of your deductions.
What PF is taken from a 6 LPA salary?
₹2,400 each month: 12% of a ₹20,000 monthly basic pay, with your employer matching. If your employer caps PF at the ₹15,000 ceiling, it is ₹1,800 monthly, raising your in-hand pay to about ₹46,200 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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