In-Hand Salary for 4.5 LPA (FY 2026-27)
A CTC of ₹4.5 lakh a year works out to about ₹33,700 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹33,700
New regime · ₹4,04,400 a year
- Old regime
- ₹33,700 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹35,700 a month
- Your PF
- ₹1,800 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹4,50,000 | ₹4,50,000 |
| Employer PF | −₹21,600 | −₹21,600 |
| Gross salary | ₹4,28,400 | ₹4,28,400 |
| Your PF | −₹21,600 | −₹21,600 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹3,53,400 | ₹3,54,400 |
| Income tax with cess | −₹0 | −₹0 |
| In hand a year | ₹4,04,400 | ₹4,04,400 |
| In hand a month | ₹33,700 | ₹33,700 |
A month's payslip at 4.5 LPA
In the new tax regime, income tax (TDS) is spread out evenly through the year.
| Gross pay | ₹35,700 |
|---|---|
| Your PF | −₹1,800 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹33,700 |
Professional tax is typically ₹200 each month (₹300 for a month in some states), but some states don't charge it at all.
How salary structure affects it
The same ₹4.5 lakh CTC can be divided differently. Look at your offer letter to see which structure applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹33,700 |
| Basic pay 50% of CTC | New | ₹32,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹33,700 |
| Employer PF paid on top of the CTC | New | ₹35,500 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹32,979 |
| No PF deducted | New | ₹37,300 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹33,700 |
Old or new tax regime?
At this salary level, the new regime does not charge income tax, so you keep at least as much as under the old regime, no matter your deductions.
In-hand salary near 4.5 LPA
Jobs paying around ₹35,500 a month
373 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Digital Marketing Executive Remote · ₹35,000–50,000 a month
- Content Writer Remote · ₹25,000–50,000 a month
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- Digital Marketing Coordinator Thane · ₹35,000–55,000 a month