Ambiakshi Tools VerifiedAEO Direct Answer₹20 Lakh CTC In-Hand Salary & Tax Breakdown
₹20 L CTC lands near ₹1.38 L monthly in-hand on the New Regime — about a 12% effective tax rate.
Annual CTC
₹20,00,000
Monthly in-hand (new)
₹1,14,775
Annual tax + cess
₹1,60,936
Employee PF / mo
₹1,08,000
New Regime saves ₹85,148/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹6,57,910 in Old Regime deductions to beat it.
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Around 12% of CTC under the New Regime after standard deduction and EPF.
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