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₹20 Lakh CTC In-Hand Salary
With a ₹20 lakh CTC (50% basic, PF on the ₹15,000 wage ceiling) your in-hand salary is about ₹1,44,033 a month.
₹20 Lakh CTC In-Hand Salary
In-hand salary per month₹17,28,398 a year from ₹20,00,000 CTC
Gross salary
₹19,30,300
Income tax (new regime)
₹1,77,902
Employee PF
₹21,600
Employer PF + gratuity
₹69,700
| Component | Annual | Monthly |
|---|---|---|
| Basic | ₹10,00,000 | ₹83,333 |
| Other allowances | ₹9,30,300 | ₹77,525 |
| Employer PF (12%) | ₹21,600 | ₹1,800 |
| Gratuity provision (4.81%) | ₹48,100 | ₹4,008 |
| Variable / bonus | ₹0 | ₹0 |
| In-hand | ₹17,28,398 | ₹1,44,033 |
Under the Labour Codes (in force from 21 Nov 2025), wages — basic + DA — should be at least 50% of total pay, which raises PF and gratuity. Variable pay is excluded from monthly in-hand.
Estimates for information only — not financial, tax or investment advice. Rates and rules change; confirm with an official source or a qualified professional. Disclaimer
Frequently asked questions
What is the in-hand salary for 20 LPA?
About ₹1,44,033 a month (₹17,28,398 a year from ₹20,00,000 CTC).
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