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₹20 LPA CTC — Monthly In-Hand Salary (FY 2026-27)
₹20 LPA is a senior-level salary — common for tech leads, senior managers, and 8–12 year experienced professionals.
Salary Components at 20 LPA
| Component | Annual | Monthly |
|---|---|---|
| Basic (40%) | ₹8,00,000 | ₹66,667 |
| HRA (metro) | ₹4,00,000 | ₹33,333 |
| Special Allowance | ₹5,20,362 | ₹43,364 |
| Employer PF | ₹21,600 | ₹1,800 |
| Gratuity | ₹46,154 | ₹3,846 |
| **Total CTC** | **₹20,00,000** | **₹1,66,667** |
Deductions
| Deduction | Monthly |
|---|---|
| Employee PF | ₹1,800 |
| Professional Tax | ₹200 |
| Income Tax (New Regime) | ~₹20,833 |
Final Monthly In-Hand: ~₹1,20,700
New vs Old Regime at 20 LPA
| Regime | Annual Tax | Monthly In-Hand |
|---|---|---|
| New Regime | ~₹2,50,000 | ~₹1,20,700 |
| Old Regime (80C+HRA+NPS) | ~₹1,85,000 | ~₹1,26,200 |
At ₹20 LPA, old regime saves ~₹5,500/month if you maximize deductions. Check your situation.
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