Take-Home Salary for ₹6 lakh CTC in India
On a ₹6 lakh CTC, your estimated monthly in-hand pay is ₹42,598 under the new tax regime for FY 2025-26. Below is the full old vs new regime breakdown (assuming basic at 50% of CTC, Karnataka professional tax).
Your estimated monthly take-home under the new regime
₹42,598/month
Plus ₹3,000/month going into your PF (your savings, not lost).
new regime
RecommendedMonthly in-hand
₹42,598
Gross salary (annual)₹5,49,570
Standard deduction− ₹75,000
Taxable income₹4,74,570
Income tax + cess₹0
Employee PF− ₹36,000
Professional tax− ₹2,400
Net annual in-hand₹5,11,170
old regime
Monthly in-hand
₹42,598
Gross salary (annual)₹5,49,570
Standard deduction− ₹50,000
Taxable income₹4,99,570
Income tax + cess₹0
Employee PF− ₹36,000
Professional tax− ₹2,400
Net annual in-hand₹5,11,170
How your CTC is split
Basic₹3,00,000
HRA₹1,50,000
Special allowance₹99,570
Employer PF₹36,000
Gratuity₹14,430
Employer PF and gratuity are part of CTC but not paid as monthly cash.
These are estimates with default assumptions. Adjust your basic %, state, HRA, and deductions for an exact figure:
Customise in the calculator →Frequently asked questions
- What is the take-home salary for a ₹6 lakh CTC in India?
- On a ₹6 lakh CTC, the estimated monthly in-hand salary is about ₹42,598 under the new tax regime for FY 2025-26, assuming basic pay at 50% of CTC and standard PF contributions.
- How much tax do I pay on a ₹6 lakh salary?
- The estimated annual income tax (including 4% cess) is ₹0 under the new regime. The exact figure depends on your deductions and chosen regime.
- Which tax regime is better for a ₹6 lakh CTC?
- For a ₹6 lakh CTC with no major deductions, the new regime gives a higher take-home. If you have significant HRA, 80C, or home-loan deductions, the old regime may be better — use the calculator to compare your exact case.