20 LPA In-Hand Salary Calculator
For a 20 LPA CTC, this page uses the same versioned salary engine as the main CTC calculator and shows monthly take-home, gross salary, tax, PF, and assumptions.
Rule version
in-new-regime-ay-2026-27-v1
Fiscal year
FY2025-26
Tax regime
New regime estimate
Monthly in-hand
₹1,47,207.73
| Line item | Amount |
|---|---|
| Annual CTC | ₹20,00,000.00 |
| Monthly gross salary | ₹1,64,866.67 |
| Monthly in-hand salary | ₹1,47,207.73 |
| Annual take-home salary | ₹17,66,492.80 |
| Annual income tax | ₹1,87,907.20 |
| Employee PF | ₹21,600.00 |
What this 20 LPA estimate includes
This range usually needs closer review of bonus mix, employer benefits, surcharge exposure, and payroll-specific deductions. Treat this page as a transparent estimate, then compare it with the detailed CTC calculator before making payroll or tax decisions.
The salary engine applies configured basic, HRA, special allowance, PF, professional tax, standard deduction, slab tax, rebate, and cess assumptions. Employer-specific payroll structure can change the actual result.
Assumptions
- Resident individual below 60 years of age.
- New tax regime under section 115BAC.
- Standard deduction is applied before slab tax.
- Section 87A rebate is applied when taxable salary is within the configured limit.
- Surcharge, marginal relief, perquisite valuation, and old-regime deductions are excluded.
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