What you take home, and which tax regime wins.
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Old regime or new regime?
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Provision-by-provision reference (what each regime allows)
₹6 lakh salary: ₹44,038 in hand a month
On a CTC of ₹6,00,000 you take home about ₹44,038 a month (₹5,28,456 a year) under the new regime, after ₹2,400 PF, ₹200 professional tax and ₹0 income tax a month. There is no income tax at ₹6 lakh in either regime.
Every salary · ₹3 lakh · ₹4 lakh · ₹5 lakh · ₹7 lakh · ₹8 lakh · ₹9 lakh
The ₹6 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹2,40,000 | ₹20,000 |
| HRA | ₹1,20,000 | ₹10,000 |
| Special allowance | ₹1,99,656 | ₹16,638 |
| Gross pay | ₹5,59,656 | ₹46,638 |
| Employer PF (in the CTC, not paid to you) | ₹28,800 | ₹2,400 |
| Gratuity (in the CTC, paid when you leave) | ₹11,544 | ₹962 |
| Your PF (12% of Basic) | −₹28,800 | −₹2,400 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹5,28,456 | ₹44,038 |
Basic at 40% of the CTC, HRA half of Basic, employer PF and gratuity inside the CTC, ₹2,400 professional tax, age under 60. Change any of it below or in the in-hand salary calculator.
Old vs new regime at ₹6 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹4,84,656 | ₹4,78,456 |
| Income tax and cess, a year | ₹0 | ₹0 |
| Income tax, a month | ₹0 | ₹0 |
| In hand, a month | ₹44,038 | ₹44,038 |
Neither costs anything at this income, so the choice does not matter.
Your own deductions
Questions people ask about a ₹6 lakh salary
What is the in-hand salary on a ₹6 lakh CTC?
About ₹44,038 a month under the new regime: ₹46,638 of gross pay, less ₹2,400 PF, ₹200 professional tax and ₹0 income tax. That assumes Basic at 40% of the CTC with employer PF and gratuity inside it; a larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹6 lakh salary?
None in either regime at this income.
Is the old or the new tax regime better for ₹6 lakh?
Neither costs anything at this income, so the choice does not matter.
Why is there no tax at ₹6 lakh in the new regime?
Taxable income works out to ₹4,84,656 after the ₹75,000 standard deduction. Up to ₹12,00,000 of taxable income, the rebate (section 156 of the Income-tax Act 2025, formerly 87A) cancels the tax in the new regime.
Other salaries: ₹3 lakh · ₹4 lakh · ₹5 lakh · ₹7 lakh · ₹8 lakh · ₹9 lakh · every salary from ₹3 lakh to ₹2 crore
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