Source: https://awesomecalcs.com/gratuity-calculator/20000-salary-10-years-gratuity
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Gratuity for ₹20,000/Month Basic Salary After 10 Years

> Calculate the gratuity payout for a ₹20,000/month basic salary after 10 years of service under the Payment of Gratuity Act, 1972.

Interactive calculator: https://awesomecalcs.com/gratuity-calculator/20000-salary-10-years-gratuity

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## Scenario inputs

```json
{
  "inputs": {
    "lastDrawnSalary": 20000,
    "yearsOfService": 10
  }
}
```

## Frequently asked questions

### What if service is 15 years instead of 10 at ₹20,000/month?

With 10 years of service, gratuity is a significant payout at ₹1,15,385. Staying for 15 years at the same salary increases it to ₹1,73,077, adding ₹57,692 for the extra 5 years. The formula is strictly linear, so each additional year adds about ₹11,538.

### Is this ₹1,15,385 gratuity tax-free?

With 10 years of service, gratuity is a significant payout at ₹1,15,385. This is fully tax-free under the ₹20 lakh exemption limit. No tax applies until your cumulative gratuity received from all employers in a lifetime crosses ₹20 lakhs.

### How is gratuity different from EPF for 10 years of service?

Gratuity of ₹1,15,385 is a one-time employer payment on exit. EPF over 10 years at a ₹20,000 basic salary accumulates around ₹4.95 lakh (employee + employer contributions at 8.25% p.a.). EPF is your own invested money returned with interest; gratuity is an additional benefit fully funded by the employer.