FY 2026-27 · India

6 LPA in-hand salary: about INR 42,590 a month.

On a CTC of INR 6,00,000 a year you take home about INR 42,590 a month under the new tax regime and INR 42,590 under the old regime.

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What changes at 6 LPA

Basic pay reaches the INR 25,000 PF ceiling, and neither regime takes tax.

With basic at half the CTC, 6 LPA puts your basic pay at INR 25,000 a month, exactly the PF wage ceiling since 17 September 2026 (it was INR 15,000 before). Up to here it makes no difference whether your employer counts PF on your full basic or only up to the ceiling: both come to INR 3,000 a month from you and the same from your employer. Above 6 LPA the two ways part, and an employer that stops at the ceiling pays the difference as salary instead.

It is also the highest of these levels at which neither regime charges income tax. New regime taxable income is INR 4,74,570, and the section 156 rebate cancels its INR 3,729 of slab tax. Old regime taxable income is INR 4,61,070, INR 38,930 inside that regime's INR 5 lakh rebate limit, so its rebate cancels the INR 10,554 it would otherwise charge.

So the regime you pick changes nothing at this salary: both leave INR 42,590 a month. The old regime's rebate runs out at a CTC of about 6.46 LPA, and above that it charges tax the new regime does not.

The breakdown

From a 6 LPA CTC to your bank account.

Basic pay at 50% of CTC, PF at 12% of full basic for you and your employer, gratuity at 4.81% of basic inside the CTC, the Maharashtra rate of professional tax for men, no variable pay and no old regime deductions beyond PF and professional tax.

Each month

6 LPA salary breakdown under both regimes, monthly
Line	New regime	Old regime
Gross salary	INR 45,798	INR 45,798
Employee PF	-INR 3,000	-INR 3,000
Professional tax	-INR 208	-INR 208
Income tax and cess	INR 0	INR 0
In-hand	INR 42,590	INR 42,590

For the year

6 LPA salary breakdown under both regimes, yearly
Line	New regime	Old regime
CTC	INR 6,00,000	INR 6,00,000
Employer PF	-INR 36,000	-INR 36,000
Gratuity provision	-INR 14,430	-INR 14,430
Gross salary	INR 5,49,570	INR 5,49,570
Employee PF	-INR 36,000	-INR 36,000
Professional tax	-INR 2,500	-INR 2,500
Income tax and cess	INR 0	INR 0
In-hand for the year	INR 5,11,070	INR 5,11,070

Questions

6 LPA in-hand salary, answered.

Does it matter if PF is on full basic or capped at 6 LPA?

No. Your basic of INR 25,000 a month is exactly the ceiling, so both ways take INR 3,000 a month of employee PF. The difference starts above 6 LPA.

Is a 6 LPA salary taxed under either regime?

No. With this structure both rebates cancel the slab tax. What comes off is INR 3,000 of PF and about INR 208 of professional tax a month.

Other levels and sources

Compare another CTC.

Figures are estimates from the FY 2026-27 rules, checked on 22 October 2026. Your employer's payroll and salary structure can change them, and this is not tax advice.

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