How much of your CTC do you take home?
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Provision-by-provision reference (what each regime allows)
₹4 lakh salary: ₹31,133 in hand a month
On a CTC of ₹4,00,000 you take home about ₹31,133 a month (₹3,73,600 a year) under the new regime, after ₹2,000 PF, ₹200 professional tax and ₹0 income tax a month. There is no income tax at ₹4 lakh in either regime.
Every salary · ₹3 lakh · ₹5 lakh · ₹6 lakh · ₹7 lakh
The ₹4 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹2,00,000 | ₹16,667 |
| HRA | ₹1,00,000 | ₹8,333 |
| Special allowance | ₹1,00,000 | ₹8,333 |
| Gross pay | ₹4,00,000 | ₹33,333 |
| Employer PF (in the CTC, not paid to you) | ₹0 | ₹0 |
| Gratuity (in the CTC, paid when you leave) | ₹0 | ₹0 |
| Your PF (12% of Basic) | −₹24,000 | −₹2,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹3,73,600 | ₹31,133 |
Basic at 50% of the CTC, HRA half of Basic, employer PF and gratuity on top of the CTC, ₹2,400 professional tax, age under 60. Change any of it below or in your payslip on the Tax & salary page.
Old vs new regime at ₹4 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹3,25,000 | ₹3,23,600 |
| Income tax and cess, a year | ₹0 | ₹0 |
| Income tax, a month | ₹0 | ₹0 |
| In hand, a month | ₹31,133 | ₹31,133 |
Neither costs anything at this income, so the choice does not matter.
Your own deductions
Questions people ask about a ₹4 lakh salary
What is the in-hand salary on a ₹4 lakh CTC?
About ₹31,133 a month under the new regime: ₹33,333 of gross pay, less ₹2,000 PF, ₹200 professional tax and ₹0 income tax. That assumes Basic at 50% of the CTC, with employer PF and gratuity paid on top of the CTC; your own 12% PF comes off your pay. A larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹4 lakh salary?
None in either regime at this income.
Is the old or the new tax regime better for ₹4 lakh?
Neither costs anything at this income, so the choice does not matter.
Other salaries: ₹3 lakh · ₹5 lakh · ₹6 lakh · ₹7 lakh · every salary from ₹3 lakh to ₹2 crore
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