In-Hand Salary Breakdown

6 LPA In-Hand Salary India FY 2026-27

Exact monthly take-home for 6 LPA CTC under new and old tax regime. Includes PF, professional tax, and HRA breakdown for metro and non-metro cities.

New Regime · Metro
₹45,238/mo
₹5,42,856/year
New Regime · Non-Metro
₹45,238/mo
₹5,42,856/year
Old Regime · Metro
₹45,238/mo
₹5,42,856/year
Full Salary Breakdown -- 6 LPA (New Regime, Metro, Monthly)
Basic Salary₹20,000
HRA (50% of basic)₹10,000
Special Allowance₹17,238
Gross Monthly Salary₹47,238
Employee PF-₹1,800
Professional Tax-₹200
Income Tax (TDS)-₹0
Monthly In-Hand (Take-Home)₹45,238
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual Tax₹0
Monthly In-Hand₹45,238
Old Tax Regime
Deductions ClaimedRs. 2,00,000
Annual Tax₹0
Monthly In-Hand₹45,238

What is the in-hand salary for 6 LPA in India?

For a 6 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹45,238/mo (₹5,42,856 annually). In a non-metro city it is ₹45,238/mo due to lower HRA.

The difference between your CTC of 6 LPA and the take-home comes from employer PF (₹1,800/month), gratuity provision, employee PF (₹1,800/month), professional tax, and income tax.

City-wise In-Hand Salary for 6 LPA

City TypeTax RegimeMonthly In-HandAnnual Tax
Metro (Mumbai, Delhi, Kolkata, Chennai)New Regime₹45,238₹0
Non-MetroNew Regime₹45,238₹0
Metro (Mumbai, Delhi, Kolkata, Chennai)Old Regime₹45,238₹0

Frequently Asked Questions

Under the new tax regime in a metro city, 6 LPA CTC gives you ₹45,238/mo monthly in-hand (₹5,42,856/year). In non-metro cities it is ₹45,238/mo/month. These figures assume statutory PF (Rs. 1,800/month) and 40% basic salary structure.
Yes. Under the new tax regime, a 6 LPA CTC results in zero income tax. After the Rs. 75,000 standard deduction, taxable income is below Rs. 12 Lakhs, and Section 87A rebate eliminates the entire tax liability.
For 6 LPA, the new tax regime is better -- it gives ₹45,238/month vs ₹45,238/month under old regime (assuming Rs. 2L in deductions). The difference is ₹0/month.
At 6 LPA with 40% basic structure: Basic salary is ₹20,000/month, HRA is ₹10,000/month (50% of basic in metro), and Special Allowance makes up the rest at ₹17,238/month. Gross monthly salary is ₹47,238.