Who This Scenario Is For
A 6 LPA package is common for entry to mid-level professionals in India — typically seen in roles like software engineers with 1-3 years of experience, business analysts, marketing executives, or mid-level roles in IT services, consulting firms, and e-commerce companies.
If you're evaluating a job offer at this level or planning your monthly budget, this breakdown shows you what you'll receive in your bank account after all statutory deductions.
The actual in-hand salary from a 6 LPA CTC is approximately ₹42,000 to ₹44,000 per month, depending on your company's salary structure and the city you work in.
Detailed Salary Breakdown (6 LPA CTC)
| Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| Annual CTC | 6,00,000 | 50,000 |
| Salary Components (What makes up CTC) | ||
| Basic Pay (40% of CTC) | 2,40,000 | 20,000 |
| HRA (50% of Basic) | 1,20,000 | 10,000 |
| Special Allowance | 1,92,000 | 16,000 |
| Employer PF (12% of Basic) | 28,800 | 2,400 |
| Gratuity (Annual Component) | 19,200 | 1,600 |
| Deductions (What gets subtracted) | ||
| Employee PF (12% of Basic) | -28,800 | -2,400 |
| Professional Tax (varies by state) | -2,400 | -200 |
| Income Tax (New Regime) | -12,500 | -1,042 |
| Monthly In-Hand Salary | ₹42,358 | |
| Annual Take-Home | ₹5,08,300 | |
Understanding This Breakdown
Why Is In-Hand Less Than CTC?
Your CTC of ₹6,00,000 includes components that you don't receive monthly. Employer PF contribution (₹28,800 annually) and gratuity (₹19,200 annually) are part of CTC but don't come to your bank account as monthly salary. Gratuity is paid only when you leave the company after 5 years of service.
About the Deductions
Employee PF: 12% of your basic salary goes to your PF account. This is your retirement savings and can be withdrawn when you leave the job or retire.
Professional Tax: This varies by state. In Maharashtra, Karnataka, and West Bengal, it's ₹200/month. Some states like Delhi and Tamil Nadu don't have professional tax.
Income Tax: At 6 LPA, using the new tax regime, your taxable income after standard deduction is ₹5,50,000. The tax works out to approximately ₹12,500 annually (₹1,042/month). In the old regime with 80C deductions, you could potentially pay zero tax.
Why Results May Vary
- Different companies split basic, HRA, and allowances differently
- Professional tax depends on your state
- If you claim HRA exemption and 80C deductions in old regime, tax could be zero
- Some companies include meal coupons, medical allowance separately
Want Your Exact Numbers Based on Your Details?
Every company structures salary differently. Use our calculator to get precise in-hand salary based on your specific CTC breakdown and tax situation.
Use Salary CalculatorFrequently Asked Questions
Is this same for all companies offering 6 LPA?
No. Different companies split CTC differently. Some have higher basic (better for PF), some have more allowances. The ratio of basic to HRA to special allowance varies. This example uses a common structure.
Does city affect in-hand salary at 6 LPA?
Yes, slightly. Professional tax varies by state (₹200 in metros, ₹0 in some states like Delhi). HRA exemption is higher in metros, which can reduce your taxable income in the old tax regime.
Is PF deduction mandatory at this salary level?
Yes. PF is mandatory for all employees with basic salary up to ₹15,000. Even though your total CTC is 6 LPA, if basic is ₹20,000, the PF contribution is capped at ₹15,000 basic (₹1,800/month).
Can I pay zero income tax at 6 LPA?
Yes, in the old tax regime. If you invest ₹1.5 lakh in 80C (PF + ELSS/PPF), claim HRA exemption, and use standard deduction, your taxable income can fall below ₹2.5 lakh, resulting in zero tax.
What happens to gratuity amount in CTC?
Gratuity is calculated as 4.81% of basic salary and is part of CTC. However, you receive it only when you leave the company after completing 5 years of continuous service. It doesn't affect monthly salary.
Should I choose old or new tax regime at 6 LPA?
If you have HRA to claim and can invest in 80C, old regime is better. If you have no investments and live in a non-metro (no HRA needed), new regime might be simpler. The tax difference is small at this income level.
Does bonus count in monthly in-hand salary?
No. Bonuses are typically paid annually or bi-annually and are separate from monthly salary. If your CTC includes a performance bonus, that amount is not part of monthly take-home.