20 LPA CTC — In Hand Salary Calculator
On a CTC of ₹20,00,000 (20 LPA), your estimated monthly in-hand salary is ₹1,38,030 under the New Tax Regime. Tax: ₹2.59 L, PF: ₹21,600. Free, instant.
Quick answer
With an annual CTC of ₹20,00,000 (20 LPA), your estimated monthly take-home pay is approximately ₹1,38,030 under the New Tax Regime (FY 2025-26). Your annual in-hand salary works out to about ₹16.56 L. This accounts for employee PF of ₹21,600, income tax of ₹2.59 L, and professional tax of ₹2,500. The calculation assumes a 40% basic salary component — adjust the basic percentage above if your CTC structure is different. Under the Old Tax Regime, your take-home could be higher or lower depending on your 80C, 80D, HRA, and home loan interest deductions.
Most Indian employers set basic at 40–50% of CTC.
Estimated monthly in-hand
₹1,38,030
- Annual in-hand
- ₹16,56,365
- Income tax / yr
- ₹2,59,455
- Employee PF / yr
- ₹21,600
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