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\begin{array}{c}\phantom{\times999}400\\\underline{\times\phantom{999}981}\\\end{array}
First line up the numbers vertically and match the places from the right like this.
\begin{array}{c}\phantom{\times999}400\\\underline{\times\phantom{999}981}\\\phantom{\times999}400\\\end{array}
Now multiply the first number with the 1^{st} digit in 2^{nd} number to get intermediate results. That is Multiply 400 with 1. Write the result 400 at the end leaving 0 spaces to the right like this.
\begin{array}{c}\phantom{\times999}400\\\underline{\times\phantom{999}981}\\\phantom{\times999}400\\\phantom{\times9}3200\phantom{9}\\\end{array}
Now multiply the first number with the 2^{nd} digit in 2^{nd} number to get intermediate results. That is Multiply 400 with 8. Write the result 3200 at the end leaving 1 spaces to the right like this.
\begin{array}{c}\phantom{\times999}400\\\underline{\times\phantom{999}981}\\\phantom{\times999}400\\\phantom{\times9}3200\phantom{9}\\\underline{\phantom{\times}3600\phantom{99}}\\\end{array}
Now multiply the first number with the 3^{rd} digit in 2^{nd} number to get intermediate results. That is Multiply 400 with 9. Write the result 3600 at the end leaving 2 spaces to the right like this.
\begin{array}{c}\phantom{\times999}400\\\underline{\times\phantom{999}981}\\\phantom{\times999}400\\\phantom{\times9}3200\phantom{9}\\\underline{\phantom{\times}3600\phantom{99}}\\\phantom{\times}392400\end{array}
Now add the intermediate results to get final answer.