CTC guide
20 LPA in-hand salary (India, FY 2026–27)
Searching for 20 LPA in-hand or 20 LPA take-home salary? Under a common private-sector structure, a ₹20,00,000 CTC often lands near ₹1,44,660 per month on the new tax regime in Tax Year 2026–27 — before rent, NPS, 80C extras, or company-specific allowances.
New regime (sample)
₹1,44,660 / month
₹17,35,917 a year
Old regime (sample)
₹1,27,390 / month
₹15,28,684 a year
In this sample the new regime is higher by ₹17,270 per month.
Assumptions behind this 20 LPA example
- Annual CTC = ₹20,00,000
- Basic = 40% of CTC
- Employer EPF + employee EPF at the statutory ₹1,800 / month cap
- Gratuity provision at 4.81% of basic (in CTC, not monthly cash)
- Professional tax for Maharashtra
- No HRA exemption, NPS, 80C extras, bonus, or ESI modelled on this page
- Tax Year 2026–27 new vs old regime slabs
Real offers differ. Switch to Advanced on the calculator for HRA, 80C–80G, NPS, home loan interest, LTA, and more.
Other CTC levels
Related reading
- CTC vs in-hand salary in India (FY 2026–27)
- New vs old tax regime take-home (FY 2026–27)
- Free India CTC to in-hand salary calculator
Estimate only — not tax, payroll, or legal advice. Verify with a CA or your payslip. Full disclaimer.