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LoadingA ₹4 LPA CTC works out to about ₹29,933 in hand per month under the new tax regime for FY 2025-26, roughly ₹3,59,200 a year. The gap from the ₹33,333 monthly CTC is employer PF (inside CTC), employee PF, professional tax and income tax. Full breakdown below.
Estimated monthly in-hand (new regime)
₹29,933
₹3,59,200 per year
| Monthly CTC(CTC ÷ 12) | ₹33,333 |
| Less: Employer PF(sits inside CTC) | - ₹1,600 |
| Monthly gross salary | ₹31,733 |
| Less: Employee PF(12% of basic) | - ₹1,600 |
| Less: Professional tax(state levy) | - ₹200 |
| Less: Income tax (TDS)(new regime) | ₹-0 |
| In-hand salary | ₹29,933 |
Assumptions: basic pay 40% of CTC, employee PF 12% of basic (capped at ₹1,800 a month), employer PF included in CTC, professional tax ₹200 a month, new regime standard deduction ₹75,000, FY 2025-26 slabs. Your actual figure varies with your salary structure and state.
New regime
₹29,933/mo
Tax ₹0 a year
Old regime (no deductions)
₹29,933/mo
Tax ₹0 a year
The old-regime figure assumes no deductions. If you claim 80C, 80D, home loan interest or HRA, its take-home rises. Compare both with your own numbers in the in-hand salary calculator, or read how CTC, gross and in-hand differ and the full new vs old regime comparison.
Your salary structure is different from these defaults? The free in-hand salary calculator lets you set your own basic percentage, deductions and regime and shows the exact take-home in seconds.
A ₹4 LPA (₹4,00,000 per year) CTC gives roughly ₹29,933 in hand per month under the new tax regime for FY 2025-26, which is about ₹3,59,200 a year. The exact figure depends on your salary structure, PF and the state you work in.
₹33,333 is simply CTC divided by 12. Your CTC includes the employer PF contribution, which never reaches your bank account. On top of that, employee PF, professional tax and income tax (TDS) are deducted from your gross pay, which is why the take-home is lower.
For a ₹4 LPA CTC, the new regime gives a higher take-home with default assumptions: about ₹29,933 a month under the new regime versus ₹29,933 under the old regime (before counting old-regime deductions like 80C, 80D or HRA). If you claim large deductions, the old regime can pull ahead.