With a ₹6 Lakh annual CTC, your monthly take-home is 44,038 under the New Tax Regime (FY 2025-26). Income tax is zero — the 87A rebate applies (taxable income below ₹12 lakh).
MONTHLY TAKE-HOME
₹44,038
₹6 Lakh CTC · 0.9% take-home · Annual: ₹5.28 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹20,000 | ₹2,40,000 |
| HRA | ₹10,000 | ₹1,20,000 |
| Special Allowance | ₹16,638 | ₹1,99,656 |
| PF (Employer) — not in hand | ₹2,400 | ₹28,800 |
| Gratuity (accrual) — not in hand | ₹962 | ₹11,544 |
| Gross Salary (taxable) | ₹46,638 | ₹5,59,656 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹2,400 | − ₹28,800 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹0 | − ₹0 |
| TAKE-HOME (NET) | ₹44,038 | ₹5.28 L |
ANNUAL TAX
₹0
TAXABLE INCOME
₹4.85 L
EFFECTIVE RATE
0%
TAKE-HOME OF CTC
0.9%
✔ Zero Income Tax — Section 87A Rebate Applies
Taxable income ₹484,656 is below ₹12,00,000 — full rebate under New Tax Regime FY 2025-26.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹46,638 | ₹0 | ₹44,038 | ₹5.28 L | 0.9% |
| Old Regime Metro | ₹46,638 | ₹15,008 | ₹42,787 | ₹5.13 L | 0.9% |
| New Regime Non-Metro | ₹46,638 | ₹0 | ₹44,038 | ₹5.28 L | 0.9% |
| New Regime PF Capped ★ | ₹47,238 | ₹0 | ₹45,238 | ₹5.43 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹6 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only