20 LPA in hand salary: ₹1,36,089 per month
A 20 LPA CTC leaves ₹1,36,089 a month in hand under the new tax regime and ₹1,26,785 under the old, in Karnataka for FY 2026-27, assuming basic at 40% of CTC and employer PF inside CTC. That is ₹16,33,068 a year in your account; the new regime is better here by ₹1,11,644 a year.
- State
- Karnataka
- City class
- Metro
- Basic salary
- 40% of CTC
- Variable / bonus
- 0% of CTC
- Monthly rent
- ₹25,000 · drives old-regime HRA
- 80C investments
- ₹0 declared
- NPS 80CCD(1B)
- ₹0
Change any of these and the same FY 2026-27 engine recomputes everything, HRA, professional tax and both regimes included.
Open in the full calculator →20 LPA monthly payslip, both regimes
annual figures · at the calculator defaults| Component | New regime | Old regime |
|---|---|---|
| Gross taxable salary | ₹19,04,000 | ₹19,04,000 |
| Standard deduction | −₹75,000 | −₹50,000 |
| HRA exemption (rent ₹25,000/mo) | – | −₹2,20,000 |
| 80C incl. your PF + NPS | – | −₹96,000 |
| Taxable income | ₹18,29,000 | ₹15,35,500 |
| Income tax incl. 4% cess | −₹1,72,432 | −₹2,84,076 |
| Your PF + professional tax | −₹98,500 | −₹98,500 |
| In hand per month | ₹1,36,089 | ₹1,26,785 |
Four realistic scenarios at 20 LPA
how structure changes what you take home| Scenario | Regime | In-hand /mo |
|---|---|---|
| Standard structure, no investments declared | New | ₹1,36,089 |
| Full 80C (₹1.5L) + NPS ₹50k declared | Old | ₹1,29,489 |
| 10% of CTC as variable pay | New | ₹1,37,523 + bonus |
| ₹30k rent in a metro, HRA claimed | Old | ₹1,28,345 |
Frequently asked questions
₹1,36,089 per month under the new tax regime (₹16,33,068 a year), assuming basic at 40% of CTC and employer PF inside CTC, in Karnataka for FY 2026-27.
Yes. It sits well above the mid-level medians the Flexiple talent graph tracks across major hubs; the roles list above shows which senior cuts actually pay it.
₹1,72,432 a year under the new regime (effective 9.1% of gross) and ₹2,84,076 under the old with the deductions assumed here.
CTC includes employer PF and accruals that never hit your account; income tax, your own PF and professional tax are deducted before payout. The payslip table above bridges every rupee.
New. It saves ₹1,11,644 a year at the assumptions here. The break-even moves with rent and 80C; test yours in the full calculator.