In-Hand Salary for 20 LPA CTC
A ₹20 LPA (₹20L) cash CTC in India works out to roughly ₹1,14,782 per month in-hand (₹13,77,378/year) under the new regime for FY 2025-26 (AY 2026-27). Full breakdown below — adjust the split for your exact offer.
Estimated monthly in-hand
₹1,14,782
Annual in-hand
₹13,77,378
68.9% of cash CTC
| Cash CTC (annual) | ₹20,00,000 |
| Basic salary | ₹9,00,000 |
| Variable / bonus (paid separately) | ₹2,00,000 |
| Employer PF | − ₹1,08,000 |
| Gratuity | − ₹43,290 |
| Employee PF | − ₹1,08,000 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹1,60,932 |
| Annual in-hand (take-home) | ₹13,77,378 |
Assumes 45% basic, 10% variable, PF on actual basic. Estimate for FY 2025-26 (AY 2026-27).
What ₹20 LPA really means
Your ₹20 LPA CTC includes the employer's PF and gratuity, which never reach you as cash. After removing those and deducting your own EPF (₹1,08,000), professional tax and income tax (₹1,60,932), your take-home is about ₹1,14,782/month.
You're also building ₹2,16,000/year of EPF retirement savings (employer + employee) that isn't in your monthly in-hand but is still your money.
Want to tweak the numbers for your offer? Use the live calculator below.
Adjust for your exact offer
₹20L per year
Estimated monthly in-hand
₹1,14,782
₹13,77,378 / year · 68.9% of cash CTC take-home
New vs Old regime
New regime
₹1,14,782/mo
tax ₹1,60,932
Old regime
₹1,01,576/mo
tax ₹3,19,398
The new regime gives you ₹1,58,466 more per year (assuming ₹1,50,000 of old-regime deductions).
Estimate for FY 2025-26 (new regime default). Actual pay varies with your exact salary structure and employer policy. Not tax advice.
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Frequently asked questions
What is the in-hand salary for 20 LPA in India? +
For a ₹20 LPA cash CTC with a typical 45% basic and 10% variable, the estimated monthly in-hand is about ₹1,14,782 under the new regime for FY 2025-26 — roughly 68.9% of your cash CTC.
How much tax do I pay on 20 LPA? +
The estimated annual income tax (new regime, incl. 4% cess) on a ₹20 LPA CTC is about ₹1,60,932. Your exact tax depends on your salary structure and chosen regime.
What is the monthly take-home for 20 LPA? +
About ₹1,14,782 per month, after removing employer PF and gratuity from CTC and deducting your EPF, professional tax and income tax.
New or old regime for this CTC? +
The new regime gives about ₹1,58,466 more per year here (assuming ₹1.5L of old-regime deductions).