In-hand salary · FY 2026-27
₹4.5 LPA in-hand salary: ₹31,890 a month
On a CTC of ₹4,50,000 a year (₹37,500 a month), you take home about ₹31,890 a month, or ₹3,82,678 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
₹31,890
In-hand a year
₹3,82,678
Income tax a year
₹0
Your PF a month
₹2,250
What changes the number
₹4.5 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹31,890 | — |
| Old regime, no deductions beyond your own PF | ₹31,890 | Same |
| PF on the ₹15,000 wage ceiling | ₹32,790 | +₹900 |
| A state with no professional tax | ₹32,098 | +₹208 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹3,37,178, 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 ₹32,790 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.
₹3,82,678/year in-hand, on ₹4.50 L CTC.
Both regimes give you the same take-home at this CTC.
Where your CTC goes
- Basic pay
- ₹2,25,000 50%
- HRA
- ₹90,000 20%
- Special allowance (balancing)
- ₹97,178 22%
- Employer PF contribution
- ₹27,000 6%
- Gratuity provision
- ₹10,823 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹27,000 7%
- Professional Tax
- ₹2,500 1%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹4.5 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.