New Regime · Metro
₹1,44,668/mo
₹17,36,017/year
New Regime · Non-Metro
₹1,44,668/mo
₹17,36,017/year
Old Regime · Metro
₹1,30,672/mo
₹15,68,065/year
Full Salary Breakdown -- 20 LPA (New Regime, Metro, Monthly)
| Basic Salary | ₹66,667 |
| HRA (50% of basic) | ₹33,333 |
| Special Allowance | ₹61,660 |
| Gross Monthly Salary | ₹1,61,660 |
| Employee PF | -₹1,800 |
| Professional Tax | -₹200 |
| Income Tax (TDS) | -₹14,992 |
| Monthly In-Hand (Take-Home) | ₹1,44,668 |
New Regime vs Old Regime
New Tax Regime
Standard DeductionRs. 75,000
Annual Tax₹1,79,903
Monthly In-Hand₹1,44,668
Old Tax Regime
Deductions ClaimedRs. 2,00,000
Annual Tax₹3,47,855
Monthly In-Hand₹1,30,672
What is the in-hand salary for 20 LPA in India?
For a 20 LPA CTC, your monthly in-hand salary under the new tax regime in a metro city is ₹1,44,668/mo (₹17,36,017 annually). In a non-metro city it is ₹1,44,668/mo due to lower HRA.
The difference between your CTC of 20 LPA and the take-home comes from employer PF (₹1,800/month), gratuity provision, employee PF (₹1,800/month), professional tax, and income tax.
City-wise In-Hand Salary for 20 LPA
| City Type | Tax Regime | Monthly In-Hand | Annual Tax |
|---|---|---|---|
| Metro (Mumbai, Delhi, Kolkata, Chennai) | New Regime | ₹1,44,668 | ₹1,79,903 |
| Non-Metro | New Regime | ₹1,44,668 | ₹1,79,903 |
| Metro (Mumbai, Delhi, Kolkata, Chennai) | Old Regime | ₹1,30,672 | ₹3,47,855 |