20 LPA in hand salary per month
On a 20 LPA CTC, your monthly in-hand salary is about ₹1,47,208 under the new tax regime and ₹1,32,941 under the old regime, assuming 50% basic and employer PF included in the CTC.
₹200 a month professional tax
Salary structureBasic 50% · Employer PF in CTC · Variable 0%
Most companies keep it between 40% and 50%.
Bonus or incentive that depends on performance.
Monthly in-hand salary
₹1,47,208
₹17,66,493 a year in hand · New regime
How your ₹20,00,000 CTC splits
- In-hand88.3%
- PF2.2%
- Income tax9.4%
- Other · professional tax0.1%
| Component | Monthly | Yearly |
|---|---|---|
| Basic | ₹83,333 | ₹10,00,000 |
| HRA | ₹33,333 | ₹4,00,000 |
| Special allowance | ₹48,200 | ₹5,78,400 |
| Variable pay | — | ₹0 |
| Gross salary | ₹1,64,867 | ₹19,78,400 |
| Employee PF | −₹1,800 | −₹21,600 |
| Professional tax | −₹200 | −₹2,400 |
| Income tax | −₹15,659 | −₹1,87,907 |
| In-hand | ₹1,47,208 | ₹17,66,493 |
| Employer PF (in your CTC) | ₹1,800 | ₹21,600 |
Estimates only. Your HR's salary structure may differ.
New vs old regime on 20 LPA
| Tax regime | Monthly in-hand | Yearly in-hand |
|---|---|---|
| New regime | ₹1,47,208 | ₹17,66,493 |
| Old regime | ₹1,32,941 | ₹15,95,288 |
The old regime here assumes you claim the full ₹1.5 lakh under 80C (your PF counts towards it) and pay no rent. Add your HRA, rent and investments in the calculator above for your exact figure.
Is 20 LPA a good salary?
20 LPA sits in the mid-level band, common at product companies and good startups for engineers and specialists with a few years behind them. At this level a big part of the package is often variable pay or stock, so the fixed salary matters most. Compare offers on in-hand, not the CTC headline.