CTC to in-hand · FY 2026-27

40 LPA in-hand salary: ₹2,60,033/month

A ₹40,00,000 CTC takes home about ₹31,20,391 a year under the new tax regime — 78.0% of CTC.

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40 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹16,00,000₹16,00,000
HRA (50% of basic, metro)₹8,00,000₹8,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹76,960₹76,960
Gross salary₹39,01,440₹39,01,440
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹7,57,049₹10,06,649
In-hand (annual)₹31,20,391₹28,70,791
In-hand (monthly)₹2,60,033₹2,39,233

Assumes 40% basic, metro HRA, PF capped at ₹1,800/month, ₹2,400 professional tax and no other deductions. Your offer letter structure may differ — use the calculator for exact numbers.

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Frequently asked questions

What is the in-hand salary for 40 LPA?
For a 40 LPA CTC, in-hand salary is about ₹2,60,033 per month (₹31,20,391 a year) under the new regime, assuming 40% basic in a metro city. That is 78.0% of CTC.
How much tax do I pay on 40 LPA?
About ₹7,57,049 a year (including 4% cess) under the new regime, versus ₹10,06,649 under the old regime with no deductions.
Old or new regime for 40 LPA?
With no deductions, the new regime leaves you ₹2,49,600 more per year. The old regime only wins if your 80C, 80D, HRA and home-loan deductions are large — compare with your actual numbers in the regime calculator.

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Educational estimate by CoinCalc, not tax advice.