4 LPA In-Hand Salary Per Month Breakdown
Exact take-home salary, tax liability under New vs Old Regime, and monthly EPF contributions for an annual package of ₹4 Lakhs.
₹4 Lakhs
₹4,00,000 / year
₹28,332
After tax, both PF shares, gratuity & PT
₹0 (Zero Tax)
Sec 87A Rebate eligible
₹2,000
12% of basic pay
Helpful Scenarios & Decision Next-Steps for 4 LPA
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Understanding Your 4 LPA Package In-Hand Salary
When an employer offers a package of ₹4 Lakhs (4 LPA CTC), your monthly CTC is ₹33,333. The amount credited to your bank (net take-home) is lower: employer PF and gratuity are part of CTC but never paid monthly, and your own Employee Provident Fund (EPF), Professional Tax (typically ₹200/month) and Income Tax (TDS) are deducted from what remains.
Key Takeaways for 4 LPA CTC
- Under the New Tax Regime FY 2026-27, a 4 LPA package enjoys zero effective income tax thanks to the Section 87A rebate and ₹75,000 standard deduction.
- Monthly EPF contribution is ₹2,000 (12% of basic pay assuming 50% basic structure).
- Net monthly take-home salary is approximately ₹28,332 under the New Regime vs ₹28,332 under the Old Regime with ₹1.5 lakh of 80C, ₹50,000 of NPS and ₹25,000 of 80D.
Old vs New Tax Regime Comparison
Under FY 2026-27 rules, the New Tax Regime offers a standard deduction of ₹75,000 and zero tax for taxable income up to ₹12 Lakhs (via Section 87A rebate). For a 4 LPA package, the New Regime provides an estimated net monthly in-hand salary of ₹28,332 compared to ₹28,332 under the Old Regime with ₹1.5 lakh of 80C, ₹50,000 of NPS and ₹25,000 of 80D (the calculator's defaults).
Customize 4 LPA In-Hand Calculations
Adjust your exact basic salary percentage, custom allowances, employer NPS, or HRA exemptions to recalculate your take-home pay.
Salary Calculator FY 2026-27 (In-Hand Take Home Salary)
Calculate monthly in-hand cash take-home pay from CTC after EPF, Gratuity, Professional Tax, and Income Tax deductions.
Your own PF and professional tax come out of your pay in both regimes, but the new regime gives no tax deduction for them (no Section 80C, no professional tax deduction). Employer PF up to 12% of basic and gratuity are part of CTC and are never taxed as salary, in either regime.
Yearly NPS: ₹0 (Max 14% of Basic = ₹28,000)
Annual net in-hand take-home: ₹3.40 L
New Regime gives higher monthly in-hand cash
Both regimes give the same tax here. Choose the New Regime: you get the same result without locking money into 80C, 80D or NPS investments or keeping rent proofs, so more of your pay stays in hand.
Itemized Monthly Salary Slip Breakdown
| Salary Component | Annual (Yearly) | Monthly |
|---|---|---|
| Cost to Company (CTC) | ₹4.00 L | ₹33,333 |
| Basic Salary (50% of CTC) | ₹2.00 L | ₹16,667 |
| Standard Deduction (lowers tax, not pay) | ₹75,000 | ₹6,250 |
| Employer PF (part of CTC) | −₹24,000 | −₹2,000 |
| Gratuity (part of CTC, paid when you leave) | −₹9,620 | −₹802 |
| Employee PF (your share) | −₹24,000 | −₹2,000 |
| Professional Tax (PT) | −₹2,400 | −₹200 |
| Base Income Tax | −₹0 | −₹0 |
| Health & Education Cess (4%) | −₹0 | −₹0 |
| Total Income Tax & Cess | ₹0 | ₹0 |
| Net In-Hand Cash Take-Home | ₹3.40 L | ₹28,332 |
CTC Component & Take-Home Distribution
Visual distribution of Annual CTC across In-Hand Cash, Income Tax, and Provident Fund / Retirals.
Official Sources & References
Income Tax
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Old vs New Tax Regime Break-Even Point 2026: The Deduction Threshold Chart
Exact deduction break-even thresholds from ₹7.5L to ₹50L CTC, Section 87A rebate rules, and why 90%+ taxpayers benefit from New Regime.
Quick 1-Click Goal & Amount Presets
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Compare take-home salary and tax breakdowns across different CTC tiers in India:
Income Tax
Compare calculations across closely related financial tools in this category.
Direct Peer & Companion Calculators
6 tools available80C Tax-Saving & Exemption Solutions
Reduce your tax liability to ₹0 with government-backed 80C & 80CCD schemes.
Old vs New Tax Regime Break-Even Point 2026: The Deduction Threshold Chart
Exact deduction break-even thresholds from ₹7.5L to ₹50L CTC, Section 87A rebate rules, and why 90%+ taxpayers benefit from New Regime.
Quick 1-Click Goal & Amount Presets
Long-Tail pSEO Target PresetsAuthoritative References
- Income Tax Department, Government of India: incometaxindia.gov.in
- Employees’ Provident Fund Organisation (EPFO): epfindia.gov.in