20 LPA Take Home Salary, Net In-Hand Salary FY 2025-26
At ₹20 LPA CTC, your monthly in-hand salary is ₹1,33,559 under the new tax regime for FY 2025-26. Income tax under the new regime is ₹1,64,432/year (including 4% cess).
Monthly take-home at ₹20 LPA CTC is ₹1,33,559 (new regime). Gross salary is ₹18,65,538, annual tax is ₹1,64,432, and other deductions (PF + PT) are ₹98,400. Annual take-home is ₹16,02,706.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹1.34 Lakh
₹1,33,559
Tax: ₹1,64,432/yr
Old regime (monthly)
₹1.19 Lakh
₹1,18,804
Tax: ₹3,41,495/yr
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Assumes basic = 40% of CTC, HRA = 50% of basic, employee and employer PF at 12% of basic each, gratuity provision at (monthly basic x 15)/26 per year, professional tax as per Karnataka rates, and FY 2025-26 tax slabs. Old regime comparison uses standard deduction only; add your actual deductions in the full calculator.