In-hand salary · FY 2026-27
₹20 LPA in-hand salary: ₹1,29,330 a month
On a CTC of ₹20,00,000 a year (₹1,66,667 a month), you take home about ₹1,29,330 a month, or ₹15,51,965 a year, under the new tax regime. That's 78% of your monthly CTC.
Assumes Basic at 50% of CTC, HRA at 40% of Basic, PF at 12% of actual Basic and Karnataka professional tax. Change any of them in the calculator below.
In-hand a month
₹1,29,330
In-hand a year
₹15,51,965
Income tax a year
₹1,57,435
Your PF a month
₹10,000
What changes the number
₹20 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹1,29,330 | — |
| Old regime, no deductions beyond your own PF | ₹1,15,491 | −₹13,839 |
| PF on the ₹15,000 wage ceiling | ₹1,44,025 | +₹14,695 |
| A state with no professional tax | ₹1,29,539 | +₹209 |
- Income tax under the new regime is ₹1,57,435 a year, or ₹13,120 a month, on a taxable income of ₹17,56,900.
- The new regime leaves you ₹13,839 a month better off than the old one (₹1,15,491), unless you can claim large deductions such as rent, 80C investments or home-loan interest.
- Professional tax in Karnataka is ₹200 a month (₹300 in February). States such as Delhi, Haryana and UP charge none.
- If your employer calculates PF on the ₹15,000 wage ceiling instead of your full Basic, your in-hand rises to ₹1,44,025 a month, but less goes into your PF account.
Your offer letter is different?
Adjust it to your own salary structure.
Adjust the assumptions below.
₹15,51,965/year in-hand, on ₹20.00 L CTC.
The new regime nets you ~₹13,840/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹10,00,000 50%
- HRA
- ₹4,00,000 20%
- Special allowance (balancing)
- ₹4,31,900 22%
- Employer PF contribution
- ₹1,20,000 6%
- Gratuity provision
- ₹48,100 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹1,20,000 7%
- Professional Tax
- ₹2,500 0%
- Income tax (after rebate/relief)
- ₹1,51,380 8%
- Health & education cess (4%)
- ₹6,055 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹20 LPA salary, answered.
An estimate on the assumptions above for FY 2026-27, not your payslip and not tax advice. Your employer's salary structure, other income and deductions all change the real figure. Read the full disclaimer.