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Include Annual Performance Bonus / Variable Pay
Variable bonus is disbursed annually. We separate guaranteed monthly take-home from annual bonus.
₹0
/ monthlyAnnual In-Hand Salary
₹11,25,454
Effective Tax Rate
0%
Total Tax
₹0
New Tax Regime saves you ₹1,01,307/year with zero lock-in investments and zero tax paperwork.
Your total annual EPF accumulation (Employee + Employer) is ₹43,200, compounding at 8.25% p.a.
Asset Allocation Breakdown
11.25 L
0
50,446
2,500
Salary Breakdown
INR Ledger| Component | Monthly | Annual |
|---|---|---|
| Basic Pay | ₹50,000 | ₹6,00,000 |
| HRA (House Rent Allowance) | ₹25,000 | ₹3,00,000 |
| Special Allowance | ₹20,796 | ₹2,49,554 |
| Gross Salary | ₹95,796 | ₹11,49,554 |
| Employee PF Contribution | -₹1,800 | -₹21,600 |
| Professional Tax | -₹208 | -₹2,500 |
| Income Tax | -₹0 | -₹0 |
| Net Take-Home | ₹93,788 | ₹11,25,454 |
Regime Comparison
New vs Old Slabs| Component | New Regime★ | Old Regime |
|---|---|---|
| Gross Salary | ₹11,49,553.8 | ₹11,49,553.8 |
| Standard Deduction | ₹75,000 | ₹50,000 |
| Taxable Income | ₹10,74,553.8 | ₹9,24,553.8 |
| Section 87A Rebate | ₹47,455.38 | ₹0 |
| Income Tax | ₹47,455.38 | ₹97,410.76 |
| Health & Education Cess (4%) | ₹0 | ₹3,896.43 |
| Surcharge | ₹0 | ₹0 |
| Total Tax | ₹0 | ₹1,01,307.19 |
| Net Take-Home | ₹11,25,454 | ₹10,24,147 |
Monthly In-Hand Salary
₹93,788
Effective Tax Rate
0%
4.00 L CTC Salary Breakdown
Monthly and annual breakdown of your 4.00 L CTC.
| Component | Monthly | Annual |
|---|---|---|
| Basic Pay | ₹16,667 | ₹2,00,000 |
| HRA (House Rent Allowance) | ₹8,333 | ₹1,00,000 |
| Special Allowance | ₹5,732 | ₹68,785 |
| Gross Salary | ₹30,732 | ₹3,68,785 |
| Employee PF Contribution | -₹1,800 | -₹21,600 |
| Employer PF Contribution | -₹1,800 | -₹21,600 |
| Gratuity | -₹801 | -₹9,615 |
| Professional Tax | -₹208 | -₹2,500 |
| Income Tax | -₹0 | -₹0 |
| Net Take-Home | ₹28,724 | ₹3,44,685 |
New vs Old Tax Regime Comparison
Detailed comparison of both tax regimes for 4.00 L CTC.
| Component | New Regime★ | Old Regime |
|---|---|---|
| Gross Salary | ₹3,68,785 | ₹3,68,785 |
| Standard Deduction | ₹75,000 | ₹50,000 |
| Taxable Income | ₹2,93,785 | ₹1,43,785 |
| Section 87A Rebate | ₹0 | ₹0 |
| Income Tax | ₹0 | ₹0 |
| Health & Education Cess (4%) | ₹0 | ₹0 |
| Surcharge | ₹0 | ₹0 |
| Total Tax | ₹0 | ₹0 |
| Net Take-Home | ₹3,44,685 | ₹3,44,685 |
Where Does the Money Go at 4.00 L CTC
Out of your ₹4.00 L CTC, you receive a monthly in-hand salary of ₹28,724. Under the New Tax Regime, due to the ₹75,000 standard deduction and Section 87A rebate, you pay ₹0 income tax (taxable income: ₹2.94 L). However, your salary is reduced by: Employee PF ₹1,800/month, Gratuity ₹801/month, and Professional Tax ₹208/month.
New vs Old Regime: Under the Old Regime, your in-hand salary would be ₹28,724/month. The New Regime is better — you get ₹0 more.
Frequently Asked Questions
What is the in-hand salary for 4 LPA CTC?
For an annual CTC of ₹4.00 L, your estimated monthly in-hand salary under the New Tax Regime is ₹28,724 (Annual: ₹3.45 L). This includes ₹21,600 Employee PF, ₹9,615 Gratuity, and ₹0 Income Tax deductions.
How much EPF is deducted on 4 LPA CTC?
On a 4 LPA CTC, 12% of Basic Pay is deducted as Employee PF, which comes to ₹1,800 per month (₹21,600 annually). The employer also contributes an equal amount.
Is income tax payable on 4 LPA CTC?
After the ₹75,000 standard deduction, the taxable income on 4 LPA CTC is ₹2.94 L. Due to the Section 87A rebate, your total income tax is ₹0. The effective tax rate is 0%.
What standard deduction is applied on 4 LPA CTC?
Under the New Tax Regime, a standard deduction of ₹75,000 applies. Under the Old Regime, it is ₹50,000. This deduction reduces your taxable income on the 4 LPA CTC.
New vs Old tax regime comparison for 4 LPA CTC?
On 4 LPA CTC, the New Regime gives ₹28,724/month in-hand while the Old Regime gives ₹28,724/month. The New Regime is better and you get ₹0 more.
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