4 LPA in-hand salary for FY 2026-27
A CTC of ₹4 lakh a year works out to about ₹29,933 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹29,933
New regime · ₹3,59,200 a year
- Old regime
- ₹29,933 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹31,733 a month
- Your PF
- ₹1,600 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹4,00,000 | ₹4,00,000 |
| Employer PF | −₹19,200 | −₹19,200 |
| Gross salary | ₹3,80,800 | ₹3,80,800 |
| Your PF | −₹19,200 | −₹19,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹3,05,800 | ₹3,09,200 |
| Income tax with cess | −₹0 | −₹0 |
| In hand a year | ₹3,59,200 | ₹3,59,200 |
| In hand a month | ₹29,933 | ₹29,933 |
A month's payslip at 4 LPA
Under the new tax regime, income tax (TDS) is spread evenly throughout the year.
| Gross pay | ₹31,733 |
|---|---|
| Your PF | −₹1,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹29,933 |
Professional tax is often ₹200 monthly (₹300 in one month in some states), with some states charging none.
How different salary structures affect your pay
The same ₹4 lakh CTC can be divided in different ways. Check your offer letter to see which one applies to you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹29,933 |
| Basic pay 50% of CTC | New | ₹29,133 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹29,933 |
| Employer PF paid on top of the CTC | New | ₹31,533 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹29,292 |
| No PF deducted | New | ₹33,133 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹29,933 |
Old or new tax regime?
At this salary, the new regime doesn't charge income tax, so you get at least as much as under the old regime, regardless of deductions.
In-hand salary near 4 LPA
Jobs paying around ₹31,500 a month
121 open jobs on InnHirers advertise a pay range that reaches within 15% of this monthly gross pay.
- Healthcare Administrative Coordinator Remote · ₹25,000–50,000 a month
- Finance Assistant Ahmedabad · ₹25,000–40,000 a month
- Hotel Front Desk Agent Mumbai · ₹20,000–30,000 a month
- Hotel Front Desk Associate Mumbai · ₹20,000–30,000 a month
- Healthcare Admin Executive Mumbai · ₹35,000–50,000 a month
- Hotel Front Desk Receptionist Mumbai · ₹20,000–35,000 a month
Frequently Asked Questions
What is the take-home pay for 4 LPA?
Under the new tax regime for FY 2026-27, it's about ₹29,933 monthly (₹3,59,200 yearly). Assumptions: basic pay is 40% of CTC, PF is 12% of basic from both you and employer within CTC, and ₹2,400 yearly professional tax. Under the old regime without other deductions, it's ₹29,933 monthly.
What is the income tax on a 4 LPA salary?
₹0 yearly under the new regime on ₹3,05,800 taxable income after a ₹75,000 standard deduction. No tax because taxable income is within the ₹12 lakh Section 87A rebate limit. Under the old regime, it's ₹0 before other deductions.
How much do you make monthly for 4 LPA before deductions?
CTC divided by 12 is ₹33,333. Your monthly gross pay is ₹31,733 since the employer's PF of ₹1,600 monthly is part of CTC but goes into PF account instead of salary.
Which tax regime is better for 4 LPA, old or new?
The new regime has no income tax at this salary, giving you at least the same as the old regime regardless of deductions.
How much PF is taken from a 4 LPA salary?
₹1,600 monthly: 12% of ₹13,333 basic pay, matched by your employer. If PF is applied only to ₹15,000 wage ceiling, it's ₹1,800 monthly, raising in-hand pay to about ₹29,933 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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