Salary guide
4 LPA in-hand salary per month (FY 2026-27)
On a 4 LPA CTC, your in-hand salary is about ₹29,125 a month in FY 2026-27 if your employer's PF is part of the CTC, or ₹31,125 if PF is paid on top. You pay no income tax: after the ₹75,000 standard deduction, your taxable income of ₹3,01,000 stays under the ₹12 lakh rebate limit.
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- PF on top of CTC
- ₹31,125
- Income tax a year
- ₹0
- Gross a month
- ₹31,333
4 LPA salary breakdown: CTC to in-hand
Two cases, because offer letters differ: your employer's PF can be part of the CTC or paid on top of it.
Per month
| Per month | PF inside CTC | PF on top of CTC |
|---|---|---|
| CTC (cost to company) | ₹33,333 | ₹33,333 |
| Basic pay50% of CTC | ₹16,667 | ₹16,667 |
| HRA40% of basic | ₹6,667 | ₹6,667 |
| Special and other allowancesthe balance | ₹8,000 | ₹10,000 |
| Employer PF12% of basic, goes to your PF account | ₹2,000 | ₹2,000 |
| Gross salarypaid before deductions | ₹31,333 | ₹33,333 |
| Employee PF12% of basic | −₹2,000 | −₹2,000 |
| Professional taxKarnataka | −₹208 | −₹208 |
| Income taxnew regime, with 4% cess | ₹0 | ₹0 |
| In-hand salary | ₹29,125 | ₹31,125 |
Per year
| Per year | PF inside CTC | PF on top of CTC |
|---|---|---|
| CTC (cost to company) | ₹4,00,000 | ₹4,00,000 |
| Basic pay50% of CTC | ₹2,00,000 | ₹2,00,000 |
| HRA40% of basic | ₹80,000 | ₹80,000 |
| Special and other allowancesthe balance | ₹96,000 | ₹1,20,000 |
| Employer PF12% of basic, goes to your PF account | ₹24,000 | ₹24,000 |
| Gross salarypaid before deductions | ₹3,76,000 | ₹4,00,000 |
| Employee PF12% of basic | −₹24,000 | −₹24,000 |
| Professional taxKarnataka | −₹2,500 | −₹2,500 |
| Income taxnew regime, with 4% cess | ₹0 | ₹0 |
| In-hand salary | ₹3,49,500 | ₹3,73,500 |
Monthly figures are the yearly amounts divided by 12 and rounded to the rupee, so a row can be off by ₹1. In Karnataka, professional tax is ₹200 a month (₹300 in February) once monthly salary is ₹25,000 or more.
Income tax on 4 LPA under the new regime
| Per year | PF inside CTC | PF on top of CTC |
|---|---|---|
| Gross salary | ₹3,76,000 | ₹4,00,000 |
| Standard deduction | −₹75,000 | −₹75,000 |
| Taxable income | ₹3,01,000 | ₹3,25,000 |
| Tax on the slabs | ₹0 | ₹0 |
| Rebate (section 156, formerly 87A) or marginal relief | ₹0 | ₹0 |
| Health and education cess (4%) | ₹0 | ₹0 |
| Income tax for the year | ₹0 | ₹0 |
| Income tax per month | ₹0 | ₹0 |
| Taxable income | Rate |
|---|---|
| Up to ₹4 lakh | Nil |
| ₹4 lakh to ₹8 lakh | 5% |
| ₹8 lakh to ₹12 lakh | 10% |
| ₹12 lakh to ₹16 lakh | 15% |
| ₹16 lakh to ₹20 lakh | 20% |
| ₹20 lakh to ₹24 lakh | 25% |
| Above ₹24 lakh | 30% |
Assumptions and sources
- FY 2026-27 (1 April 2026 to 31 March 2027), called tax year 2026-27 under the Income-tax Act, 2025. New tax regime, which is the default. Resident individual below 60 with salary as the only income.
- Basic pay is 50% of CTC, HRA is 40% of basic and the rest is special allowance. The new regime gives no HRA exemption, so this split does not change your tax.
- PF is 12% of basic from you and 12% from your employer, on the full basic pay. Your basic pay is within the ₹25,000 PF wage ceiling, so your PF is the same whether or not your employer caps it.
- Standard deduction of ₹75,000. Rebate under section 156 makes tax nil when taxable income is ₹12 lakh or less, with marginal relief just above it. 4% health and education cess on the tax.
- Professional tax at Karnataka rates: ₹2,500 a year. Other states have different rates, and some have none. It is not deductible under the new regime.
- Not included: gratuity, variable pay, joining bonus, insurance, meal cards or an employer NPS contribution. Check your offer letter for these.
Sources, checked 3 Nov 2026Finance Bill 2026 memorandum: rates of income-tax for tax year 2026-27Income-tax Act, 2025, section 156: rebateIncome-tax Act, 2025, section 19: standard deductionFAQs: revision of the EPFO wage ceiling from ₹15,000 to ₹25,000 a monthProfessional tax: employer portal and ratesThe Code on Wages, 2019, section 2(y): wages
Is 4 LPA a good salary for a fresher?
For a first job, 4 LPA gives you about ₹29,125 a month after PF and professional tax, with no income tax. Whether that is enough depends on your city and your costs.
Make a monthly budget before you accept: rent, food, travel, phone, family support and savings. If the numbers work and the role builds skills you can show on your resume, it is a reasonable start.
Why is your first payslip different?
Your first month is rarely a clean ₹29,125. If you join mid-month, you are paid only for the days you worked. Some employers pay the first salary together with the second. In Karnataka, professional tax is higher in February. And a joining bonus may come with a later salary and be taxed in that month.
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Questions freshers ask
About ₹29,125 a month when the employer's PF is inside the CTC, or ₹31,125 when PF is paid on top. Before any deductions, 4 LPA is ₹33,333 a month.
None under the new regime in FY 2026-27. Your taxable income is ₹3,01,000 after the ₹75,000 standard deduction, and the section 156 rebate (formerly 87A) cancels the tax when taxable income is ₹12 lakh or less.
₹2,000 a month from your salary (12% of a ₹16,667 basic), and your employer adds the same amount. Your basic pay is within the ₹25,000 PF wage ceiling, so your PF is the same whether or not your employer caps it.
CTC divided by 12 is ₹33,333, but that includes the employer's PF and is before your own deductions. Your PF, professional tax and any tax take ₹2,208 a month from your gross, and the employer's PF never reaches your account.