CTC to in-hand · FY 2026-27

20 LPA in-hand salary: ₹1,44,668/month

A ₹20,00,000 CTC takes home about ₹17,36,017 a year under the new tax regime — 86.8% of CTC.

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20 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹8,00,000₹8,00,000
HRA (50% of basic, metro)₹4,00,000₹4,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹38,480₹38,480
Gross salary₹19,39,920₹19,39,920
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹1,79,903₹3,94,655
In-hand (annual)₹17,36,017₹15,21,265
In-hand (monthly)₹1,44,668₹1,26,772

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 20 LPA?
For a 20 LPA CTC, in-hand salary is about ₹1,44,668 per month (₹17,36,017 a year) under the new regime, assuming 40% basic in a metro city. That is 86.8% of CTC.
How much tax do I pay on 20 LPA?
About ₹1,79,903 a year (including 4% cess) under the new regime, versus ₹3,94,655 under the old regime with no deductions.
Old or new regime for 20 LPA?
With no deductions, the new regime leaves you ₹2,14,752 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.