Salary desk India · FY 2026–27
4 LPA in-hand salary: an explainable estimate
See an explainable FY 2026–27 estimate of monthly in-hand salary for a 4 LPA CTC, including PF, gratuity and income-tax assumptions.
Modeled result
₹29,492 a month, on average
Annual estimated take-home: ₹3,53,908. Regular-month bank credit: ₹29,492.
- Annual CTC
- ₹4,00,000
- Less employer costs
- −₹26,892
- Cash gross
- ₹3,73,108
- Less employee deductions
- −₹19,200
- Less estimated income tax
- −₹0
- Annual take-home
- ₹3,53,908
A 4 LPA offer can look more generous than its payslip because CTC may include the employer PF share and gratuity. This example keeps basic at 40% of fixed CTC and applies the statutory PF wage cap. It is a starting point for reading an offer letter, not a promise that every employer structures allowances, TDS or reimbursements in the same way.
What this estimate includes
- ₹4,00,000 annual CTC with no variable pay.
- Basic pay is 40% of fixed CTC; PF uses the statutory wage cap.
- Gratuity is included in CTC; ESI is not modeled for this package.
- FY 2026–27 new regime, resident salary-only taxpayer under age 60.
- This static illustration excludes professional tax because no work state is attached.
Change these assumptions in the calculator for your actual basic pay, PF policy, state, variable pay and tax regime.
Check the source
Calculated from published tax and payroll rules
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