# 4 LPA In-Hand Salary: INR 28,300 a Month (FY 2026-27) > 4 LPA in hand salary in FY 2026-27 is about INR 28,300 a month with zero income tax. See PF, gratuity, the old regime and the full breakup. Source: https://trykosh.com/tools/4-lpa-in-hand-salary Free tool - Salary and retirement # 4 LPA in-hand salary: what INR 4 lakh CTC pays each month On a 4 LPA CTC you take home about INR 28,323 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. Rules checked 25 October 2026Free - no sign-upRuns in your browser In-hand salary per month INR 28,323 INR 3,39,880 a year Take-home **INR 3,39,880**PF (both shares) **INR 48,000**Gratuity + PT **INR 12,120** CTC INR 4,00,000 − Employer PF INR 24,000 − Gratuity provision (4.81% of basic) INR 9,620 Gross salary INR 3,66,380 − Your PF (12% of basic) INR 24,000 − Professional tax INR 2,500 − Income tax (new regime) INR 0 Take-home for the year INR 3,39,880 Basic works out to INR 16,667 a month. PF is still your money: it grows at 8.25% a year in your EPF account. ## Upload your statement and Kosh does this for you. Knowing you get INR 28,323 is the start; Kosh shows where it goes. Upload a salary slip or bank statement and it finds the subscriptions, fees and leaks eating your month, picks your tax regime from your real deductions and sets a daily plan to save more of your 4 LPA. [Start free](/signup?via=tool-4-lpa-in-hand-salary) ## How the 4 LPA in-hand salary works A 4 LPA package means a cost to company of INR 4 lakh a year. Assuming basic pay at half of CTC (the Labour Codes floor), your employer's 12% PF contribution (INR 24,000) and a gratuity provision of 4.81% of basic (INR 9,620) sit inside that CTC but never reach your account, so your gross salary is INR 3,66,380, or INR 30,532 a month. From gross, your own 12% PF (INR 24,000 a year) and INR 2,500 of professional tax are deducted; income tax is nil in the new regime. That leaves INR 3,39,880 a year, about INR 28,323 a month: 85% of your CTC. Tax is zero because your taxable income after the INR 75,000 standard deduction is INR 2,91,380, under the INR 4 lakh that the new regime doesn't tax at all. The old regime is also nil at this salary, so the regime choice doesn't change your in-hand pay. Compared with 3 LPA (INR 21,190 a month), the extra INR 1 lakh of CTC adds INR 7,133 a month to take-home, INR 7,133 for each lakh; the rest goes to PF and gratuity. In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax ## Worked example: the same 4 LPA with 10% variable pay Many offers at 4 LPA hold back part of the package as performance pay. With 10% variable (INR 40,000), basic is calculated on the fixed part, and take-home is INR 25,470 a month before the bonus, or INR 28,804 averaged over the year if it's paid in full. In-hand salary per month INR 28,804 INR 25,470 a month without the variable pay Take-home **INR 3,45,642**PF (both shares) **INR 43,200**Gratuity + PT **INR 11,158** CTC INR 4,00,000 − Employer PF INR 21,600 − Gratuity provision (4.81% of basic) INR 8,658 Gross salary INR 3,69,742 − Your PF (12% of basic) INR 21,600 − Professional tax INR 2,500 − Income tax (new regime) INR 0 Take-home for the year INR 3,45,642 Basic works out to INR 15,000 a month. PF is still your money: it grows at 8.25% a year in your EPF account. [Load this example into the calculator ->](?variablePct=10#calculator) ## Good to know - If your employer calculates PF on the INR 15,000 statutory wage ceiling instead of full basic, take-home rises by INR 400 a month to INR 28,723, at the cost of slower EPF savings. - If 10% of the package is variable pay, fixed take-home drops to about INR 25,470 a month; the bonus arrives separately, taxed, when it's paid. - In Delhi, Haryana, Uttar Pradesh and other states without professional tax, add INR 208 a month. - Your PF isn't lost: both shares (INR 48,000 a year) build up in your EPF account at 8.25% (FY 2025-26 rate). ## Frequently asked questions What is the in-hand salary for 4 LPA? About INR 28,323 a month in FY 2026-27, with basic at half of CTC, PF on full basic, gratuity inside the CTC and the new tax regime. If PF is on the INR 15,000 ceiling, it's closer to INR 28,723. How much tax do I pay on 4 LPA? Nothing in the new regime: taxable income of INR 2,91,380 is inside the INR 4 lakh nil slab. The old regime is nil too. How much is 4 LPA per month? INR 33,333 is CTC divided by 12, but that isn't what you're paid. Gross salary is INR 30,532 a month, and after PF, professional tax and income tax about INR 28,323 reaches your account. Is the old or new regime better on 4 LPA? Neither saves you anything: tax is nil in both. Stay in the new regime, the default, and there's no investment proof to submit. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) - [EPFO](https://www.epfindia.gov.in/) - [Ministry of Labour and Employment](https://labour.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. 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