4 LPA In-Hand Salary Breakdown (FY 2025–26 & FY 2026–27)
Detailed take-home calculation for ₹4,00,000 annual CTC. Monthly in-hand pay is approx ₹28,332/month after statutory deductions.
Advanced: Statutory EPF Cap & Itemized Deductions ▼
Old Regime Deductions (Optional):
Annual In-Hand: ₹3,39,985
New Tax Regime saves you ₹0 in tax compared to Old Regime.
Detailed CTC Audit Breakdown
Every rupee accounted for between annual CTC and monthly net bank credit.
| Component | Rule / Category | Monthly Amount | Annual Amount |
|---|---|---|---|
| Annual CTC | Total Employer Cost | ₹33,333 | ₹4,00,000 |
| − Employer EPF | 12% of Basic (Retirement benefit) | − ₹2,000 | − ₹24,000 |
| − Gratuity | 15/26 of monthly basic / 12 (Statutory) | − ₹801 | − ₹9,615 |
| = Cash Gross Salary | Base for TDS & Employee deductions | ₹30,532 | ₹3,66,385 |
| − Employee EPF | 12% of Basic (Employee share) | − ₹2,000 | − ₹24,000 |
| − Professional Tax (PT) | State Municipal Levy | − ₹200 | − ₹2,400 |
| − Income Tax (TDS) | New Regime (Standard deduction ₹75,000) | − ₹0 | − ₹0 |
| = Net Take-Home (In-Hand) | Credited directly to Bank Account | ₹28,332 | ₹3,39,985 |
New Regime vs Old Regime Comparison
See which tax regime leaves more money in your pocket.
| Parameter | New Tax Regime | Old Tax Regime | Difference |
|---|---|---|---|
| Standard Deduction | ₹75,000 | ₹50,000 | + ₹25,000 |
| Taxable Income | ₹2,91,385 | ₹2,92,385 | - |
| Total Tax Payable | ₹0 | ₹0 | Save ₹0 |
| Monthly In-Hand | ₹28,332 | ₹28,332 | Optimal: New Regime |
Plan Your Next Financial Milestone
Contextual projections modeled directly on your monthly take-home salary.
Home Loan Affordability
Based on your take-home, you could qualify for up to ₹16 Lakhs in home loan. See how prepaying saves ₹10L+ interest.
Step-Up SIP Compounder
Investing 20% (₹5,666/mo) with a 10% annual increment can build long-term financial independence.
Salary Hike & Appraisal
Evaluating a 20%, 30%, or 50% job offer jump? Find out exactly how much net cash increases in your bank account after tax.
Frequently Asked Questions about 4 LPA CTC
What is the monthly in-hand salary for 4 LPA CTC in India?
For an annual CTC of ₹4,00,000 (4 LPA), the estimated monthly in-hand (take-home) salary is approximately ₹28,332 under the New Tax Regime. This accounts for deductions including Employee PF (₹2,267 approx), Professional Tax (₹200/mo), and estimated monthly income tax (TDS) of ₹0.
Is 4 LPA salary tax-free under the New Tax Regime?
Yes! For a CTC of 4 LPA, with the standard deduction of ₹75,000 and Section 87A rebate, the effective income tax payable is ₹0 under the New Tax Regime.
Why is in-hand salary less than CTC for 4 LPA?
Cost to Company (CTC) includes components that you do not receive in your monthly bank account: Employer Provident Fund (12% of basic), Gratuity contribution (approx 4.81% of basic), Employee Provident Fund, Professional Tax, and Income Tax (TDS). The cash take-home is what remains after these statutory deductions.
Which tax regime is better for 4 LPA CTC?
For most salaried individuals earning 4 LPA, the New Tax Regime offers lower tax liability due to expanded tax slabs, standard deduction of ₹75,000, and lower tax rates, unless you have substantial itemized deductions (over ₹3.75 Lakhs in 80C, 80D, and HRA) under the Old Regime.