What is the in-hand salary for 4 LPA?

About ₹28,323 a month under the new tax regime, if basic pay is 50% of CTC, PF is 12% of the full basic and gratuity is part of the CTC. If your employer caps PF at the ₹25,000 wage ceiling, it is about ₹28,323.

How much income tax is paid on 4 LPA?

None under the new regime: taxable income is ₹2,91,380 after the ₹75,000 standard deduction, which is within the ₹12 lakh rebate limit. The old regime would charge ₹0 a year with only PF under 80C.

How much PF is deducted from a 4 LPA salary?

₹2,000 a month if PF is 12% of your full basic of ₹16,667, and your employer adds the same amount. If PF is capped at the ₹25,000 wage ceiling, it is ₹2,000 a month each.

4 LPA In-Hand Salary (FY 2026-27)

A CTC of ₹4 lakh (₹33,333 a month) gives an in-hand salary of about ₹28,323 a month under the new tax regime and ₹28,323 under the old regime, with a typical structure: basic at 50% of CTC, PF of 12% on the full basic, gratuity included in the CTC and ₹2,500 a year of professional tax.

In-hand salary per month (new regime)

₹28,323

Both regimes leave you the same amount. Take-home for the year: ₹3,39,880.

Monthly salary slip

Per month	New regime	Old regime
Gross salary	₹30,532	₹30,532
Your PF contribution	-₹2,000	-₹2,000
Professional tax	-₹208	-₹208
Income tax (TDS)	₹0	₹0
In-hand salary	₹28,323	₹28,323

CTC breakup

Component	A year	A month
Basic + DA	₹2,00,000	₹16,667
HRA (40% of basic)	₹80,000	₹6,667
Special allowance	₹86,380	₹7,198
Employer PF	₹24,000	₹2,000
Gratuity (4.81% of basic)	₹9,620	₹802
CTC	₹4,00,000	₹33,333

Employer PF and gratuity are part of the CTC but aren't paid to you each month: PF goes into your EPF account, and gratuity is paid when you leave after five years.

How your salary structure changes take-home pay

Structure	In-hand a month (new regime)
Basic 50% of CTC, PF on full basic	₹28,323
Basic 50% of CTC, PF capped at ₹25,000 basic	₹28,323
Basic 40% of CTC, PF on full basic	₹29,284
Basic 40% of CTC, PF capped at ₹25,000 basic	₹29,284

Since 17 September 2026 the EPF wage ceiling is ₹25,000 a month. Employers who cap PF deduct at most ₹3,000 a month, which raises in-hand pay but puts less into your EPF. Under the labour codes, basic pay plus DA must be at least half of your pay, so structures with a low basic are being phased out.

New or old tax regime?

At 4 LPA neither regime charges income tax.

Nearby salaries

CTC	In-hand a month (new)	In-hand a month (old)
4 LPA	₹28,323	₹28,323
5 LPA	₹35,456	₹35,456
6 LPA	₹42,589	₹42,589

Change the structure in the in-hand salary calculator

Also see: Income Tax Calculator · HRA Exemption Calculator · EPF Calculator · CTC vs in-hand salary guide

Questions

Estimates for tax year 2026-27 for a resident under 60 with no other income and no variable pay. Your payslip depends on your employer's structure, your state's professional tax and the deductions you declare.