FY 2025-26 (AY 2026-27) Updated
6 LPA In-Hand Salary Breakdown (FY 2025-26)
A ₹6 Lakhs annual CTC offers an estimated gross monthly salary of ₹50,000. Under the New Tax Regime, your total tax liability is ₹0 thanks to Section 87A rebate.
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6 LPA Salary Breakdown Table (Monthly & Annual)
Standard 50% Basic Salary structure with PF & New Tax Regime TDS
| Salary Component | Monthly | Annual | Remarks / Rule |
|---|---|---|---|
| Basic Salary | ₹25,000 | ₹3,00,000 | 50% of CTC base |
| House Rent Allowance (HRA) | ₹12,500 | ₹1,50,000 | 50% of Basic (Metro) |
| Special Allowance | ₹9,500 | ₹1,14,000 | Balancing taxable component |
| Gross Salary (Cash) | ₹47,000 | ₹5,64,000 | Total earnings before deductions |
| Employee Provident Fund (PF) | -₹3,000 | -₹36,000 | 12% of Basic Salary (Statutory) |
| Professional Tax (PT) | -₹200 | -₹2,400 | Standard state PT (~₹200/mo) |
| Income Tax (TDS - New Regime) | -₹0 | -₹0 | ₹0 Tax (Covered by Section 87A Rebate) |
| Net Monthly In-Hand Salary | ₹43,800 | ₹5,25,600 | Directly credited to your bank |
Frequently Asked Questions: 6 LPA In-Hand Salary
Q:What is the monthly in-hand salary for 6 LPA CTC?
For a ₹6 Lakhs annual CTC, the monthly in-hand salary is approximately ₹43,800 to ₹46,800 per month after ₹3,000 PF and ₹200 Professional Tax.
Q:Do I need to pay income tax on 6 LPA salary?
No income tax is payable under the New Tax Regime because income up to ₹12 Lakhs is completely covered by the Section 87A tax rebate.
Q:How much PF is deducted per month for 6 LPA?
Employee PF deduction is 12% of basic salary. On a 50% basic structure (₹3,00,000 basic/year), PF deduction is ₹3,000 per month.