Exact take-home from a ₹20 LPA package after all statutory deductions. FY2026-27, new tax regime.
Monthly in-hand salary
₹1,44,034
After PF · TDS · Professional tax · New regime · FY2026-27
Monthly gross: ₹1,60,859 · Annual CTC: ₹20,00,000
Basic salary
₹83,333
50% of CTC · monthly
HRA
₹41,666
50% of basic · monthly
Employee PF
−₹1,800
12% of basic (max ₹1,800)
Income tax (TDS)
−₹14,825
New regime · 9.2% effective
Complete monthly breakdown — ₹20 LPA
Component
Monthly
Annual
Basic salary
₹83,333
₹9,99,996
HRA
₹41,666
₹4,99,992
Special allowance
₹35,860
₹4,30,320
Gross monthly salary
₹1,60,859
₹19,30,308
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹14,825
−₹1,77,903
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹1,44,034
₹17,28,408
Key Notes for ₹20 LPA CTC
Salary structure assumed: 50% basic, 50% HRA of basic. Your actual structure may differ.
Tax is under the new regime FY2026-27 with ₹75,000 standard deduction and 4% cess. Effective tax rate: 9.2%.
PF is capped at ₹15,000 wage ceiling — so maximum employee PF is ₹1,800/month regardless of basic.
If you pay rent and declare HRA exemption, TDS reduces further. Use the Tax Regime Picker to compare.
Variable pay and annual bonuses are not included — they are taxed when paid.
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This page uses a standard salary structure. Your actual in-hand depends on your employer's PF policy, whether gratuity is in CTC, city, HRA rent declaration and which tax regime you choose.
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