Monthly take-home pay, CTC breakup and income tax for a ₹4,00,000 package.
How your salary structure changes the in-hand amount
| Salary structure | Monthly in-hand |
|---|
| Basic 50% of CTC, full PF (12% of basic) | ₹28,332 |
| Basic 50% of CTC, PF capped at ₹1,800/month | ₹28,732 |
| Basic 40% of CTC, full PF | ₹29,292 |
A higher basic salary means more goes into PF (your savings) and less comes home each month. If your employer caps PF at the statutory wage limit of ₹15,000, your monthly take-home rises.
Income tax on 4 LPA
Your taxable salary under the new regime is ₹2,91,380 after the ₹75,000 standard deduction. Because taxable income is within ₹12 lakh, the section 87A rebate makes your income tax zero. See the full comparison with the old regime on income tax by salary.
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Frequently asked questions
What is the in-hand salary for 4 LPA?
For a CTC of ₹4,00,000, the in-hand salary is about ₹28,332 per month under the new tax regime, assuming basic is 50% of CTC with full PF and gratuity included in CTC.
How much tax will I pay on a 4 LPA salary?
Under the new regime, no income tax is payable because taxable income is within ₹12 lakh after the ₹75,000 standard deduction (section 87A rebate).
Why is in-hand salary less than CTC?
CTC includes employer PF and gratuity that you don't receive monthly. Employee PF, professional tax and income tax are also deducted from your gross salary.