40 LPA in hand salary
A CTC of ₹40,00,000 gives approximately ₹2,40,475 per month in hand under the FY 2025-26 new tax regime — ₹28,85,704 for the year after income tax of ₹7,27,896, employee EPF of ₹1,92,000 and professional tax of ₹2,400.
Assumes basic = 40% of CTC, employer PF inside CTC, no gratuity in CTC, ₹2,400/year professional tax. Change any of these below to match your offer letter.
Your CTC
40 LPA
Only affects the old regime column
Monthly in hand (new regime)
₹2,40,475
₹28,85,704 per year after tax, EPF and professional tax · the new regime saves you ₹2,02,051/year
New regime (FY 2025-26)lower tax
| Gross salary | ₹38,08,000 |
| Employer PF (inside CTC) | − ₹1,92,000 |
| Income tax + cess | − ₹7,27,896 |
| Employee PF | − ₹1,92,000 |
| Professional tax | − ₹2,400 |
| Monthly in hand | ₹2,40,475 |
Old regime
| Gross salary | ₹38,08,000 |
| Employer PF (inside CTC) | − ₹1,92,000 |
| Income tax + cess | − ₹9,29,947 |
| Employee PF | − ₹1,92,000 |
| Professional tax | − ₹2,400 |
| Monthly in hand | ₹2,23,638 |
Monthly in hand · new regime
₹2,40,475
₹28,85,704/yr
Nearby CTCs
Free in hand salary calculator for India, FY 2025-26. Convert CTC to monthly take home after income tax, PF and professional tax, compare the new and old tax regime, and understand every line of your salary structure.