Dear Swaminathan, The ceiling for creamy layer is as high as Rs2.50 lacs. Many of the 'upper' caste people have incomes far less than Rs1 lac? And the governments keep on raising the creamy layer income ceiling, just as they are indefinitely extending the reservations, expanding the reservations, in a way similar to very frequent and steep raise of MP's and MLA's salaries & perks. EsterAstir