In-hand salary · FY 2026-27
₹4 LPA in-hand salary: ₹28,323 a month
On a CTC of ₹4,00,000 a year (₹33,333 a month), you take home about ₹28,323 a month, or ₹3,39,880 a year, under the new tax regime. That's 85% of your monthly CTC.
Assumes Basic at 50% of CTC, HRA at 40% of Basic, PF at 12% of actual Basic and Karnataka professional tax. Change any of them in the calculator below.
In-hand a month
₹28,323
In-hand a year
₹3,39,880
Income tax a year
₹0
Your PF a month
₹2,000
What changes the number
₹4 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹28,323 | — |
| Old regime, no deductions beyond your own PF | ₹28,323 | Same |
| PF on the ₹15,000 wage ceiling | ₹28,723 | +₹400 |
| A state with no professional tax | ₹28,532 | +₹209 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹2,91,380, inside the Section 87A rebate's ₹12,00,000 limit.
- Both regimes give the same take-home here, because neither charges any income tax at this level.
- Professional tax in Karnataka is ₹200 a month (₹300 in February). States such as Delhi, Haryana and UP charge none.
- If your employer calculates PF on the ₹15,000 wage ceiling instead of your full Basic, your in-hand rises to ₹28,723 a month, but less goes into your PF account.
Your offer letter is different?
Adjust it to your own salary structure.
Adjust the assumptions below.
₹3,39,880/year in-hand, on ₹4.00 L CTC.
Both regimes give you the same take-home at this CTC.
Where your CTC goes
- Basic pay
- ₹2,00,000 50%
- HRA
- ₹80,000 20%
- Special allowance (balancing)
- ₹86,380 22%
- Employer PF contribution
- ₹24,000 6%
- Gratuity provision
- ₹9,620 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹24,000 7%
- Professional Tax
- ₹2,500 1%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹4 LPA salary, answered.
An estimate on the assumptions above for FY 2026-27, not your payslip and not tax advice. Your employer's salary structure, other income and deductions all change the real figure. Read the full disclaimer.