worldofcalcs6 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹6 lakh (₹50,000 a month) gives an in-hand salary of about ₹42,589 a month under the new tax regime and ₹42,589 under the old regime, with a typical structure: basic at 50% of CTC, PF of 12% on the full basic, gratuity included in the CTC and ₹2,500 a year of professional tax.
Both regimes leave you the same amount. Take-home for the year: ₹5,11,070.
Monthly salary slip
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary | ₹45,798 | ₹45,798 |
| Your PF contribution | -₹3,000 | -₹3,000 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | ₹0 | ₹0 |
| In-hand salary | ₹42,589 | ₹42,589 |
CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹3,00,000 | ₹25,000 |
| HRA (40% of basic) | ₹1,20,000 | ₹10,000 |
| Special allowance | ₹1,29,570 | ₹10,798 |
| Employer PF | ₹36,000 | ₹3,000 |
| Gratuity (4.81% of basic) | ₹14,430 | ₹1,202 |
| CTC | ₹6,00,000 | ₹50,000 |
Employer PF and gratuity are part of the CTC but aren't paid to you each month: PF goes into your EPF account, and gratuity is paid when you leave after five years.
How your salary structure changes take-home pay
| Structure | In-hand a month (new regime) |
|---|---|
| Basic 50% of CTC, PF on full basic | ₹42,589 |
| Basic 50% of CTC, PF capped at ₹25,000 basic | ₹42,589 |
| Basic 40% of CTC, PF on full basic | ₹44,030 |
| Basic 40% of CTC, PF capped at ₹25,000 basic | ₹44,030 |
Since 17 September 2026 the EPF wage ceiling is ₹25,000 a month. Employers who cap PF deduct at most ₹3,000 a month, which raises in-hand pay but puts less into your EPF. Under the labour codes, basic pay plus DA must be at least half of your pay, so structures with a low basic are being phased out.
New or old tax regime?
At 6 LPA neither regime charges income tax.
Nearby salaries
| CTC | In-hand a month (new) | In-hand a month (old) |
|---|---|---|
| 4 LPA | ₹28,323 | ₹28,323 |
| 5 LPA | ₹35,456 | ₹35,456 |
| 6 LPA | ₹42,589 | ₹42,589 |
| 7 LPA | ₹49,722 | ₹47,830 |
| 8 LPA | ₹56,855 | ₹53,479 |
Change the structure in the in-hand salary calculator
Also see: Income Tax Calculator · HRA Exemption Calculator · EPF Calculator · CTC vs in-hand salary guide
Questions
Estimates for tax year 2026-27 for a resident under 60 with no other income and no variable pay. Your payslip depends on your employer's structure, your state's professional tax and the deductions you declare.