Direct Verified Calculation
₹6 Lakh CTC In-Hand Salary & Tax Breakdown (New Regime)
Direct Summary: For an annual CTC of ₹6,00,000 under the New Tax Regime (FY 2025–26 / 2026–27), your estimated monthly in-hand salary is approximately ₹45,200 to ₹47,400. Your income tax is ₹0 due to the Section 87A rebate (taxable income below ₹7 Lakhs), with deductions limited strictly to ₹2,400 monthly EPF and ₹200 Professional Tax.
Net Monthly Take-Home = Gross Monthly (₹50,000) - Employee EPF (₹2,400) - PT (₹200) - Tax (₹0) = ₹47,400
Complete Breakdown & Statutory Deductions
| Component | Amount / Value | Statutory Basis / Notes |
|---|---|---|
| Annual CTC | ₹6,00,000 | Cost to Company |
| Monthly Gross Salary | ₹50,000 | Basic + HRA + Special Allowance |
| Employee EPF (12% of Basic) | ₹2,400 / mo | ₹28,800 annually |
| Professional Tax (PT) | ₹200 / mo | Standard state slab |
| Standard Deduction | ₹75,000 | Union Budget 2024-25 New Regime |
| Section 87A Tax Rebate | Full 100% Rebate | Taxable income below ₹7 Lakhs |
| Annual Income Tax Liability | ₹0 | Zero tax payable |
| Estimated Monthly Take-Home | ₹47,400 | Net deposited to bank account |
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Frequently Asked Questions
Do I have to pay any income tax on 6 LPA in the New Tax Regime?
No. Under the New Tax Regime, taxable income up to ₹7,00,000 qualifies for a 100% tax rebate under Section 87A, resulting in ₹0 income tax liability.
Can I opt out of EPF to increase take-home on ₹6 Lakhs CTC?
If your basic salary is below ₹15,000 per month, EPF is mandatory. If basic exceeds ₹15,000 and it is your first job, you can choose minimum statutory PF (₹1,800/mo) depending on company policy.