4 LPA take-home pay (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
In the new tax regime, income tax (TDS) is spread out evenly across 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 typically ₹200 per month (₹300 in one month in some states), while some states do not charge it.
How changes in the salary structure affect it
The ₹4 lakh CTC, divided in different ways. Look at your offer letter to see which one applies.
| 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?
With this salary, the new regime doesn't charge income tax, so you get at least as much as in the old regime, no matter your deductions.
In-hand salary near 4 LPA
Jobs paying around ₹31,500 a month
76 open jobs on Careerwood Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Junior Financial Consultant Remote · ₹20,000–30,000 a month
- Junior Data Scientist Mumbai · ₹25,000–40,000 a month
- Software Tester Remote · ₹20,000–30,000 a month
- Junior Sales Analyst Mumbai · ₹25,000–40,000 a month
- Business Development Executive Bengaluru · ₹30,000–50,000 a month
- Healthcare Quality Data Analyst Remote · ₹30,000–50,000 a month
Frequently Asked Questions
What is the take-home pay for 4 LPA?
For FY 2026-27 under the new tax regime, it's around ₹29,933 per month (₹3,59,200 annually), assuming the basic pay is 40% of CTC, PF is 12% of basic pay from both you and your employer within the CTC, and professional tax is ₹2,400 a year. Under the old regime, without any additional deductions, it's ₹29,933 monthly.
How much tax is owed on a 4 LPA income?
Under the new regime, it's ₹0 annually with taxable income of ₹3,05,800 after a ₹75,000 standard deduction. No tax is owed as taxable income is within the ₹12 lakh limit for the Section 87A rebate. Under the old regime, it's also ₹0 before any other deductions.
What is the monthly earnings for 4 LPA before any deductions?
The CTC divided by 12 equals ₹33,333. Your monthly gross pay is ₹31,733 since the employer's PF of ₹1,600 each month is included in the CTC but is added to your PF account instead of your salary.
Which is more beneficial for 4 LPA, old or new tax regime?
The new regime does not charge income tax on this salary, so it provides at least as much take-home pay as the old regime, regardless of your deductions.
What is the PF deduction on a 4 LPA salary?
It's ₹1,600 monthly: 12% of a basic salary of ₹13,333 each month, matched by your employer. If PF is only applied to the ₹15,000 wage cap, it's ₹1,800 a month, increasing your in-hand pay to around ₹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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