20 LPA in hand salary
A CTC of ₹20,00,000 gives approximately ₹1,36,097 per month in hand under the FY 2025-26 new tax regime — ₹16,33,168 for the year after income tax of ₹1,72,432, employee EPF of ₹96,000 and professional tax of ₹2,400.
Assumes basic = 40% of CTC, employer PF inside CTC, no gratuity in CTC, ₹2,400/year professional tax. Change any of these below to match your offer letter.
Your CTC
20 LPA
Only affects the old regime column
Monthly in hand (new regime)
₹1,36,097
₹16,33,168 per year after tax, EPF and professional tax · the new regime saves you ₹1,63,467/year
New regime (FY 2025-26)lower tax
| Gross salary | ₹19,04,000 |
| Employer PF (inside CTC) | − ₹96,000 |
| Income tax + cess | − ₹1,72,432 |
| Employee PF | − ₹96,000 |
| Professional tax | − ₹2,400 |
| Monthly in hand | ₹1,36,097 |
Old regime
| Gross salary | ₹19,04,000 |
| Employer PF (inside CTC) | − ₹96,000 |
| Income tax + cess | − ₹3,35,899 |
| Employee PF | − ₹96,000 |
| Professional tax | − ₹2,400 |
| Monthly in hand | ₹1,22,475 |
Monthly in hand · new regime
₹1,36,097
₹16,33,168/yr
Nearby CTCs
Free in hand salary calculator for India, FY 2025-26. Convert CTC to monthly take home after income tax, PF and professional tax, compare the new and old tax regime, and understand every line of your salary structure.