Take-Home Salary for ₹20 lakh CTC in India
On a ₹20 lakh CTC, your estimated monthly in-hand pay is ₹1,29,339 under the new tax regime for FY 2025-26. Below is the full old vs new regime breakdown (assuming basic at 50% of CTC, Karnataka professional tax).
Your estimated monthly take-home under the new regime
₹1,29,339/month
The new regime saves you about ₹16,960/month vs the old regime.
Plus ₹10,000/month going into your PF (your savings, not lost).
new regime
RecommendedMonthly in-hand
₹1,29,339
Gross salary (annual)₹18,31,900
Standard deduction− ₹75,000
Taxable income₹17,56,900
Income tax + cess₹1,57,435
Employee PF− ₹1,20,000
Professional tax− ₹2,400
Net annual in-hand₹15,52,065
old regime
Monthly in-hand
₹1,12,379
Gross salary (annual)₹18,31,900
Standard deduction− ₹50,000
Taxable income₹17,81,900
Income tax + cess₹3,60,953
Employee PF− ₹1,20,000
Professional tax− ₹2,400
Net annual in-hand₹13,48,547
How your CTC is split
Basic₹10,00,000
HRA₹5,00,000
Special allowance₹3,31,900
Employer PF₹1,20,000
Gratuity₹48,100
Employer PF and gratuity are part of CTC but not paid as monthly cash.
These are estimates with default assumptions. Adjust your basic %, state, HRA, and deductions for an exact figure:
Customise in the calculator →Frequently asked questions
- What is the take-home salary for a ₹20 lakh CTC in India?
- On a ₹20 lakh CTC, the estimated monthly in-hand salary is about ₹1,29,339 under the new tax regime for FY 2025-26, assuming basic pay at 50% of CTC and standard PF contributions.
- How much tax do I pay on a ₹20 lakh salary?
- The estimated annual income tax (including 4% cess) is ₹1,57,435 under the new regime. The exact figure depends on your deductions and chosen regime.
- Which tax regime is better for a ₹20 lakh CTC?
- For a ₹20 lakh CTC with no major deductions, the new regime gives a higher take-home. If you have significant HRA, 80C, or home-loan deductions, the old regime may be better — use the calculator to compare your exact case.