With a ₹4 Lakh annual CTC, your monthly take-home is 29,292 under the New Tax Regime (FY 2025-26). Income tax is zero — the 87A rebate applies (taxable income below ₹12 lakh).
MONTHLY TAKE-HOME
₹29,292
₹4 Lakh CTC · 0.9% take-home · Annual: ₹3.52 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹13,333 | ₹1,59,996 |
| HRA | ₹6,666 | ₹79,992 |
| Special Allowance | ₹11,093 | ₹1,33,116 |
| PF (Employer) — not in hand | ₹1,600 | ₹19,200 |
| Gratuity (accrual) — not in hand | ₹641 | ₹7,692 |
| Gross Salary (taxable) | ₹31,092 | ₹3,73,104 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹1,600 | − ₹19,200 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹0 | − ₹0 |
| TAKE-HOME (NET) | ₹29,292 | ₹3.52 L |
ANNUAL TAX
₹0
TAXABLE INCOME
₹2.98 L
EFFECTIVE RATE
0%
TAKE-HOME OF CTC
0.9%
✔ Zero Income Tax — Section 87A Rebate Applies
Taxable income ₹298,104 is below ₹12,00,000 — full rebate under New Tax Regime FY 2025-26.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro ★ | ₹31,092 | ₹0 | ₹29,292 | ₹3.52 L | 0.9% |
| Old Regime Metro ★ | ₹31,092 | ₹0 | ₹29,292 | ₹3.52 L | 0.9% |
| New Regime Non-Metro ★ | ₹31,092 | ₹0 | ₹29,292 | ₹3.52 L | 0.9% |
| New Regime PF Capped | ₹30,892 | ₹0 | ₹28,892 | ₹3.47 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹4 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only