4 LPA Means How Much Per Month – Complete In-Hand Salary Breakdown

When a person gets offer 4 lpa so first question comes in one’s mind is: 4 lpa means how much per month? Knowing this is particularly useful, not only for budgeting but also for comparing job offers. So, that’s where the confusion creeps in when you say 4 LPA (Lakhs per Annum).Disclosing the monthly salary and deductions gets confusing!

In this detailed guide, we explain 4 LPA per year salary in monthly breakdown and gross salary calculation in detail including your take home pay after deduction of taxes, provident fund (PF) etc which finally arrives at your bank.

What Does 4 LPA Mean?

4 LPA means four lac per annum.

This is the CTC (Cost to Company) — what a company spends on an employee in a year. But CTC is not what you eventually get.

A simple calculation:

4,00,000 ÷ 12 months = ₹33,333 (Approx- Gross) per Month

But that is not the take-home pay. Your take home pay will be less after deductions.

4 LPA Salary Per Month (Gross vs In-Hand)

Here is a quick overview:

Salary Type	Amount (Approx)
Annual CTC	₹4,00,000
Monthly Gross Salary	₹33,333
Monthly In-Hand Salary	₹27,000 – ₹30,000

Your actual in-hand salary depends on:

• PF contribution
• Professional tax
• Income tax (if applicable)
• Other company deductions

4 LPA Salary Breakdown in Detail

Let’s take a commonly used fresher salary model in many Indian firms.

1. Monthly Gross Salary Structure (Example)

Component	Amount (₹)
Basic Salary	15,000
HRA	6,000
Conveyance Allowance	1,600
Medical Allowance	1,250
Special Allowance	9,483
Total Gross Salary	33,333

This is before deductions.

2. Monthly Deductions From 4 LPA Salary

Deduction	Amount (₹)
Employee PF (12% of Basic)	1,800
Professional Tax (varies by state)	200
Income Tax (after new regime)	0–400
Other Deductions (if any)	0–300
Total Deductions	2,000 – 2,700

3. In-Hand Salary Calculation

Monthly In-Hand = Gross Salary – (Total Deductions)

Example:

₹33,333 – ₹2,500 = ₹30,833 (In-Hand Salary)

So, on average:

✔ 4 LPA per month in hand = ₹27,000 to ₹30,800

Read More: CGDA Auditor / 5.5 LPA In Hand Salary / 30 LPA In Hand Salary

Yearly In-Hand Salary at 4 LPA

Category	Amount (₹)
Annual CTC	4,00,000
Annual Deductions	30,000 – 35,000
Annual In-Hand	3,60,000 – 3,70,000

4 LPA Means How Much Per Month After Tax?

Your income up to ₹7 lakh is tax-free under rebate, if you avail the new tax regime.

So you usually never pay tax when your package is 4 LPA, unless it has an adverse company structure causing to have taxable allowances.

4 LPA CTC vs Gross Salary vs In-Hand Salary

Term	Meaning	For 4 LPA
CTC	Total cost company spends on worker	₹4,00,000
Gross Salary	Salary before deductions	₹33,333/month
In-Hand Salary	Salary after PF & taxes	₹27,000–₹30,800/month

4 LPA Salary – City-Wise Living Cost Comparison

City	Living Cost Level	Can You Manage on 4 LPA?
Bangalore	High	Slightly difficult
Mumbai	Very high	Difficult
Delhi	Medium	Manageable
Pune	Medium	Manageable
Tier-2 Cities	Low	Comfortable

Is 4 LPA a Good Salary for Freshers?

It depends on:

• Role and industry
• City of posting
• Living expenses
• Expected growth

Here is a consolidated view of what freshers earn in IT (System Engineer), BPO, support, and banking

How to Increase Salary From 4 LPA?

Here are a few ways:

• Upskill (Data Analysis, Coding, and Software Testing)
• Move to the higher paying domain
• Improve communication skills
• Get a new job after 1–2 years of experience
• Clear professional certifications

It generally grows faster in tech, finance and digital roles.

Conclusion

So, What is 4 LPA per month. On average:

🔹 Gross Monthly Salary: ₹33,333

🔹 In Hand Salary: ₹27,000 – ₹30,800 concept Note : The Grade Pay is also inlcuded “in Hand Salary”.

Your actual pay may differ slightly because of deductions or company policy. Knowing what makes up your salary can also help you budget more effectively, as well as compare job offers more wisely.

If you want more of the salary breakdowns like 5 LPA, 6 LPA, 8 LPA, 10 LPA just mention — will write that for you.

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