₹4 LPA in-hand salary
Rules for FY 2026-27 · Checked 24 October 2026
On a ₹4 lakh CTC you take home about ₹28,332 a month in the new tax regime. That is after ₹2,000 PF, ₹200 professional tax and ₹0 income tax each month. In the old regime with no deductions it would be ₹28,332.
- In hand a month₹28,332New regime
- Take-home a year₹3.4L85% of CTC
- Income tax a month₹0Rebate cancels it
- PF a month₹4,000You + employer
Monthly salary slip for ₹4 LPA
| Each month | New regime | Old regime |
|---|---|---|
| Basic pay | ₹16,667 | ₹16,667 |
| HRA and other allowances | ₹13,865 | ₹13,865 |
| Your PF | − ₹2,000 | − ₹2,000 |
| Professional tax | − ₹200 | − ₹200 |
| Income tax (TDS) | − ₹0 | − ₹0 |
| In hand | ₹28,332 | ₹28,332 |
The old regime figure assumes no HRA exemption or investments. With rent and 80C claims it can come out higher; see income tax on a ₹4 lakh salary and the old vs new regime guide.
Where the ₹4 lakh goes in a year
- CTC
- ₹4,00,000
- Employer PF
- − ₹24,000
- Gratuity (paid when you leave)
- − ₹9,620
- Gross salary
- ₹3,66,380
- Your PF
- − ₹24,000
- Professional tax
- − ₹2,400
- Income tax (new regime)
- ₹0
- Take-home for the year
- ₹3,39,980
Compared with nearby salaries
Change the assumptions
These figures assume basic pay at 50% of CTC, PF on basic up to the ₹25,000 wage ceiling, gratuity inside the CTC, ₹2,400 professional tax and no bonus. Adjust any of them here:
Under the new regime, after PF, professional tax and income tax.
- ₹3,39,980 a year reaches your bank account: 85% of your CTC.
- Your PF grows by ₹4,000 a month, counting your employer's share.
- You pay no income tax at this salary in the new regime.
- Take-home pay₹3,39,980
- Income tax₹0
- PF (yours + employer)₹48,000
- Gratuity and professional tax₹12,020
Monthly pay slip
- Basic
- ₹16,667
- HRA and other allowances
- ₹13,865
- Your PF
- − ₹2,000
- Professional tax
- − ₹200
- Income tax (TDS)
- ₹0
- In hand
- ₹28,332
Where your CTC goes in a year
- CTC
- ₹4,00,000
- Employer PF
- − ₹24,000
- Gratuity
- − ₹9,620
- Gross salary
- ₹3,66,380
- Your PF
- − ₹24,000
- Professional tax
- − ₹2,400
- Income tax
- ₹0
- Take-home for the year
- ₹3,39,980
Frequently asked questions
What is the monthly in-hand salary for 4 LPA?
About ₹28,332 a month in the new tax regime for FY 2026-27, assuming basic pay is half the CTC, PF stops at the ₹25,000 wage ceiling and gratuity is part of the CTC. In the old regime with no deductions it is about ₹28,332.
How much income tax is deducted on 4 LPA?
None in the new regime. The gross salary of ₹3,66,380 leaves taxable income under ₹12 lakh after the ₹75,000 standard deduction, so the rebate cancels the tax.
How much PF is deducted on 4 LPA?
₹2,000 a month from your pay, and the same again from your employer, part of which goes to your pension.