Take-Home Salary for ₹4 lakh CTC in India
On a ₹4 lakh CTC, your estimated monthly in-hand pay is ₹28,732 under the new tax regime for FY 2026-27. Below is the full old vs new regime breakdown (assuming basic at 50% of CTC, Karnataka professional tax).
new regime
RecommendedGross salary (annual)₹3,68,780
Your ₹4,00,000 CTC less employer PF (₹21,600) and gratuity (₹9,620), which your employer pays but never reach you as salary.
old regime
Gross salary (annual)₹3,68,780
Your ₹4,00,000 CTC less employer PF (₹21,600) and gratuity (₹9,620), which your employer pays but never reach you as salary.
How your CTC is split
Employer PF and gratuity are part of CTC but not paid as monthly cash.
Show the full tax calculation
Every step for your own numbers, so you can check the arithmetic by hand against the published slabs. Nothing here is estimated by a model. It is the same deterministic calculation the figures above come from.
new regime
| Slab | Taxed here | Rate | Tax |
|---|---|---|---|
| Up to ₹4L | ₹2,93,780 | 0% | ₹0 |
old regime
| Slab | Taxed here | Rate | Tax |
|---|---|---|---|
| Up to ₹2.5L | ₹2,50,000 | 0% | ₹0 |
| ₹2.5L to ₹5L | ₹66,380 | 5% | ₹3,319 |
Slabs, the ₹75,000/₹50,000 standard deduction, the Section 87A rebate, surcharge and cess follow the Income Tax Act as amended by the Finance Act 2025. Verify against incometax.gov.in or see our methodology.
How ₹4 lakh per annum becomes ₹28,732 per month
Divide ₹4 lakh by 12 and you get ₹33,333 a month, which is the figure most people expect. Your actual monthly salary is ₹28,732, because CTC is what the company spends rather than what it pays you.
A ₹4 lakh CTC translates to a taxable gross of roughly ₹30,732 a month once employer PF and gratuity, which are part of your CTC but never paid as cash, are set aside. After the standard deduction, the estimated annual income tax (including 4% cess) under the new regime is ₹0, leaving about ₹3,44,780 a year, or ₹28,732 a month, after employee PF and Karnataka professional tax.
At this level both regimes leave you with a similar take-home, because the income tax is low or fully offset by the Section 87A rebate. The old regime only pulls ahead once you claim significant HRA, 80C investments, NPS, or home-loan interest. Use the calculator to plug in your actual deductions and compare your exact case.
These are estimates with default assumptions. Adjust your basic %, state, HRA, and deductions for an exact figure:
Customise in the calculator →Frequently asked questions
- ₹4 lakh per annum is how much per month?
- A ₹4 lakh annual salary works out to about ₹28,732 per month in hand, after income tax, employee PF and professional tax. Dividing ₹4 lakh by 12 gives ₹33,333 a month, but that is your cost to company rather than your salary, so the two never match.
- What is the take-home salary for a ₹4 lakh CTC in India?
- On a ₹4 lakh CTC, the estimated monthly in-hand salary is about ₹28,732 under the new tax regime for FY 2026-27, assuming basic pay at 50% of CTC and standard PF contributions.
- How much tax do I pay on a ₹4 lakh salary?
- The estimated annual income tax (including 4% cess) is ₹0 under the new regime. The exact figure depends on your deductions and chosen regime.
- Which tax regime is better for a ₹4 lakh CTC?
- For a ₹4 lakh CTC with no major deductions, the new regime gives a higher take-home. If you have significant HRA, 80C, or home-loan deductions, the old regime may be better, so use the calculator to compare your exact case.