Quick Answer
₹50,000 monthly CTC = ~₹44,800 per month in hand (after employee PF ₹3,600 or ₹1,800 capped, professional tax ₹200, employer PF reflected in gross of ~₹1,400).
Annual: ₹6,00,000 CTC = approximately ₹5,37,000 in hand (5.37 LPA take-home). Income tax: ₹0 - covered by Section 87A rebate under both old and new regimes.
Same as 6 LPA salary. See our detailed 6 LPA in-hand breakdown for full calculation.
₹50,000 CTC Monthly Breakdown
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| Basic salary (45% of CTC) | 22,500 | 2,70,000 |
| HRA (50% of basic, metro) | 11,250 | 1,35,000 |
| Special allowance | 12,550 | 1,50,600 |
| Food coupons (Sodexo) | 2,200 | 26,400 |
| Gross Salary | 48,500 | 5,82,000 |
| Employer PF (12% of ₹15k cap) | 1,800 | 21,600 |
| Total CTC (approx) | 50,300 | 6,00,000 |
| Less: Employee PF | - 1,800 | - 21,600 |
| Less: Professional tax | - 200 | - 2,400 |
| Less: Income tax TDS (new regime) | - 0 | - 0 |
| In-Hand Salary | 46,500 | 5,58,000 |
Note: Food coupons (₹2,200/month) are tax-free if you actually use them for meals (up to ₹26,400/year as per Income Tax rules). If your structure includes them as cash allowance instead, they become taxable - reducing in-hand slightly.
Why Zero Tax at 6 LPA - Both Regimes Compared
- New Tax Regime FY 2026-27: Gross ₹5.82L - standard deduction ₹75k = ₹5.07L taxable. Tax at slabs = ₹15,350. Section 87A rebate covers tax up to ₹12L taxable, so tax is ₹0.
- Old Tax Regime: Gross ₹5.82L - standard deduction ₹50k = ₹5.32L taxable. Above ₹5L 87A rebate limit, so partial tax applies. With ₹50k 80C + ₹25k 80D + HRA exemption, taxable can drop below ₹5L and rebate kicks in - final tax ₹0.
The new regime is slightly more cash-efficient at this level. Default to new regime unless you have significant HRA exemption to claim (only available on old regime).
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