6 Lakh Per Annum in Month – Deductions & Complete Breakdown

When any job offer says 6 Lakh Per Annum in Month, the first question raised by every employee is:
“What is 6 lakh per annum I’m month?”. The number can seem to be a simple once, however the real in-hand salary is always different from the total cost to company due to deductions like PF, professional tax and income tax. CTC is a much misunderstood concept for new office goers, 99% of them don’t have any clear picture as to how their CTC gets split up to actually render in hand amount to hit bank account.

We are going to take up what amounts to six lakh per annum in salary; that is right hereIn this article, we will tell you about the monthly take home (in hand), exact in-hand salary breakups and pay slip details as per a maximum of 6 lakhs pay scale.

What Does 6 Lakh Per Annum Mean?

When a company gives 6 LPA, it is the full yearly expense that particular company will spend on you and that amount is ₹600,000 a year. This includes:

• Basic Salary
• House Rent Allowance (HRA)
• Conveyance Allowance
• Medical Allowance
• Special Allowance
• Employer PF Contribution
• Employee PF Contribution
• Professional Tax
• Bonus (if applicable)

Not all of the CTC goes straight into your month-to-month salary. Some are deductions and some are in-kind benefits.

6 Lakh Per Annum in Month (Gross Salary)

Just looking at the lazy division, if we take ₹ 6,00,000 divide it by 12 months:

Gross Monthly Salary = ₹50,000

But that’s not your in-hand salary. This is the figure before deductions.

Real take-home pay is lower due to:

• Employee PF (Provident Fund)
• Professional tax
• Tax on income (as per tax regime)

Let us do the in-hand salary comparison of both tax regimes.

Monthly Salary Breakdown for 6 LPA

For this salary range most companies have a similar structure. Below is a typical breakdown:

Sample Salary Structure for 6 LPA

Component	Yearly Amount	Monthly Amount
Basic Salary	₹2,40,000	₹20,000
HRA	₹1,20,000	₹10,000
Special Allowance	₹1,70,400	₹14,200
Employer PF	₹21,600	₹1,800
Employee PF	₹21,600	₹1,800
Gratuity	₹9,600	₹800
Total CTC	₹6,00,000	₹50,000

6 Lakh Per Annum in Month (New Tax Regime)

In the new tax regime, the tax slabs are more easy to understand and have very few exemptions.

Deductions Under New Regime

• Standard Deduction: ₹75,000
• Employee PF: ₹1,800 per month
• Professional Tax: around ₹200 per month (Varies with State)

In-Hand Salary Calculation (New Regime)

Item	Monthly Amount
Gross Salary	₹50,000
Employee PF	-₹1,800
Professional Tax	-₹200
Monthly Income Tax	-₹1,200 to ₹1,500
Net In-Hand Salary	₹46,500 to ₹46,800

So in the new taxation system, your monthly 6 lakh per annum month in-hand salary equals to:

₹46,500 per month

Read More: 13 LPA In Hand Salary / 3.6 LPA In Hand Salary / 2.5 LPA In Hand Salary

6 Lakh Per Annum in Month (Old Tax Regime)

More deductions can be claimed in the old tax regime, but at higher tax slabs. Those who invest in 80C, pay rent or have home loans tend to benefit more..

Possible Deductions Under Old Regime

• Standard Deduction: ₹50,000
• Section 80C (EPF, LIC, ELSS, PPF): ₹1,50,000
• HRA Exemption (if living on rent)
• Professional Tax

For somebody taking typical deductions, the accessible taxable income is much lower.

In-Hand Salary Under Old Regime

Item	Monthly Amount
Gross Salary	₹50,000
Employee PF	-₹1,800
Professional Tax	-₹200
Income Tax (after exemptions)	-₹500 to ₹800
Net In-Hand Salary	₹47,000 to ₹47,500

So under the old tax regime, your in-hand salary increases slightly.

Yearly In-Hand Salary for 6 LPA

Salary Type	In-Hand Salary (Yearly)
New Tax Regime	₹5.58 lakh to ₹5.62 lakh
Old Tax Regime	₹5.65 lakh to ₹5.70 lakh

This shows that the difference between both regimes is small for a salary of 6 LPA.

Is 6 Lakh Per Annum a Good Salary in India?

5-6 lakh per annum is a moderate, mid level salary in India. It is for freshers looking for first office job in Software companies and BPO, Finance, Sales & Marketing and Government equivalent jobs.

Advantages of a 6 LPA Salary

• Comfortable lifestyle in tier-2 cities
• Ability to pay rent, EMI, or manage basic expenses
• Scope for monthly savings
• Good starting point for freshers and young professionals

Savings Potential

On average, a person earning 6 LPA can save:

₹10,000–₹18,000 per month, depending on lifestyle and city.

Comparison of CTC vs In-Hand Salary for 6 LPA

Category	Monthly Amount
CTC Value	₹50,000
Gross Take-Home	₹48,000
Net In-Hand	₹46,500–₹47,500

City-Wise Living Cost Comparison for 6 LPA

City	Affordability
Bangalore	Moderate
Pune	Moderate
Hyderabad	Good
Chennai	Moderate
Delhi NCR	Moderate
Jaipur	Very Good
Lucknow	Very Good
Indore	Very Good

You can lead a pretty reasonable life in pmuch any city that isn’t an elite-tier district of a metropolitan area.

What Affects In-Hand Salary for 6 LPA?

The final monthly salary is adjusted by the following:

1. PF Policy of the Company

Some companies deduct PF on actual basic amount; some restrict it to ₹1,800.

2. Tax Regime

Choosing between old vs new affects take-home salary.

3. Bonus

If your CTC includes an annual bonus, your monthly salary decreases.

4. Professional Tax

Different states have different tax rates.

5. Allowances

Higher allowances mean better tax savings under old regime.

Conclusion

It is important to know 6 lakh money per annum is how much in a month before you write your budget or unless the company offers you an annual salary, which means that they will pay for their work every year. Though the CTC looks good, the in-hand salary is lesser due to taxes and mandatory deductions.

To summarize:

6 Lakh Per Annum in Month In-Hand Salary

• New Tax Regime: ₹46,500 per month
• Old Tax Regime: ₹47,000–₹47,500 per month

That’s a good pay for fresher and will get you the kind of life in most cities of India. And if you pick the right tax regime and invest the proceeds well, that can boost your savings and enhance your financial security.

FAQs on 6 Lakh Per Annum in Month