₹4 LPA in-hand salary in India
New regime · Bengaluru · FY 2025-26 · PF on
Last reviewed · verified against incometax.gov.in
Monthly salary breakdown
| Component | Amount / month |
|---|---|
| Basic salary | ₹13,333 |
| HRA | ₹6,667 |
| Special allowance | ₹11,733 |
| Employee PF (−) | −₹1,600 |
| Income tax / TDS (−) | −₹0 |
| Professional tax (−) | −₹200 |
| Net monthly in-hand | ₹29,933 |
New vs old regime
New regime saves ₹0/year at ₹4 LPA with zero deductions declared.
What ₹4 LPA actually means
₹4 LPA is a very common first salary for freshers in IT services and BPO, and for graduates a year into an operations, sales, or HR role. Monthly in-hand is around ₹29,000–30,500 after PF and professional tax. Like ₹3 LPA, income tax is zero under the new regime — every rupee between gross and in-hand is employee PF and professional tax, nothing else.
Typical at ₹4 LPA: a fresh IT-services or BPO hire, a junior executive in operations, sales, or HR, a graduate trainee at a mid-size company, or a diploma engineer in plant or manufacturing. Comfortable in tier-2 and tier-3 cities; tight with roommates in the metros.
The reliable path from ₹4 LPA is an external switch, not an internal hike. Internal appraisals here run 8–12% (about ₹4.4 LPA after a year); a switch at the 18-month mark targets ₹6–7 LPA. Start interviewing around month 15. Within the offer, check whether PF is on full basic or capped at ₹15,000 — it changes your monthly deduction.
₹4 LPA sits firmly in the zero-tax zone, so the financial priority is a small emergency buffer, not tax planning. A ₹3,000–5,000/month SIP or recurring deposit started now compounds into a real cushion before your first big jump — and that cushion is what lets you negotiate the next move from strength rather than cash pressure.
Personalise your number
City, PF elections, rent, and deductions all shift your take-home. Enter your actual details below.
Salary
CTC → real monthly in-hand. Both tax regimes, any Indian city, line by line. The numbers you see here are computed in this tab.
Monthly in-hand by city — ₹4 LPA
Under the new regime, city affects take-home only through professional tax. New Delhi levies zero PT; every other metro deducts ₹200–209/month.
| City | Monthly in-hand | Annual PT | vs Bengaluru |
|---|---|---|---|
| Bengaluru this page | ₹29,933 | ₹2,400/yr | — |
| New Delhi | ₹30,133 | ₹0/yr | +₹200/mo |
| Pune | ₹29,925 | ₹2,500/yr | −₹8/mo |
| Hyderabad | ₹29,925 | ₹2,500/yr | −₹8/mo |
New regime · standard 40% basic · PF capped · FY 2025-26. Old-regime HRA exemption varies further by rent paid.
Which regime wins at ₹4 LPA?
New regime wins at ₹4 LPA. Even with max 80C + NPS + 80D (₹2.5L), old regime trails by ₹0/year.
| Deductions claimed | Old regime/yr | New regime/yr | Winner |
|---|---|---|---|
| Zero deductions | ₹3,59,196 | ₹3,59,196 | Old +₹0 |
| Max 80C (₹1.5L) | ₹3,59,196 | ₹3,59,196 | Old +₹0 |
| 80C + NPS self (₹2L) | ₹3,59,196 | ₹3,59,196 | Old +₹0 |
| 80C + NPS + 80D (₹2.5L) | ₹3,59,196 | ₹3,59,196 | Old +₹0 |
Old regime figures assume zero rent. Add HRA claim and the break-even deduction threshold drops further. Use the calculator above for your exact numbers.
Old vs new regime — full breakdown & break-even calculator →
Restructuring levers at ₹4 LPA
Annual gain vs new regime baseline with no extra planning. Positive means more in-hand; negative means new regime still wins even with that lever.
| Lever | Regime | Annual gain |
|---|---|---|
| New regime optimisations | ||
| Employer NPS — 80CCD(2) Route 10% of basic (₹16,000/yr) through NPS | New regime | ₹0 |
| PF opt-out Recover ₹1,600/mo employee contribution | Either regime | +₹38,400/yr |
| Old regime scenarios vs new regime baseline | ||
| 80C max (₹1.5L) ELSS, PPF, ULIP, home loan principal | Old regime | ₹0 |
| 80C + NPS self (₹2L) ₹1.5L via 80C + ₹50K via 80CCD(1B) | Old regime | ₹0 |
| 80C + NPS + 80D (₹2.5L) Adds ₹50K health insurance (self + parents) | Old regime | ₹0 |
| HRA + 80C (rent ₹20K/mo) Metro rent declared, 80C maxed out | Old regime | ₹0 |
Old regime levers shown as net gain vs new regime with no deductions. A negative figure means new regime still wins even after that lever is pulled.
Related comparisons
See how a ₹4 LPA package stacks up in the situations people actually face.
Nearby brackets
All salary brackets, ₹3–100 LPA
FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in · last reviewed