₹20 LPA in-hand salary in India
New regime · Bengaluru · FY 2025-26 · PF on
Monthly salary breakdown
| Component | Amount / month |
|---|---|
| Basic salary | ₹66,667 |
| HRA | ₹33,333 |
| Special allowance | ₹64,867 |
| Employee PF (−) | −₹1,800 |
| Income tax / TDS (−) | −₹15,617 |
| Professional tax (−) | −₹200 |
| Net monthly in-hand | ₹1,47,250 |
New vs old regime
New regime saves ₹2,18,508/year at ₹20 LPA with zero deductions declared.
What ₹20 LPA actually means
₹20 LPA puts you in roughly the top 5% of formally employed earners in India. The monthly in-hand under the new regime lands near ₹1.25–1.30 lakh, but the more important number is how your total compensation is structured — at this level, ESOP allocations, performance bonuses, and joining bonuses often add 20–40% on top of CTC, none of which shows up in the headline number. The tax bill becomes consequential: you're paying roughly ₹2.5–3L in income tax per year under the new regime, and that's with no restructuring.
Profiles at ₹20 LPA: a 7–10 year tech lead or senior SWE at a product company, an engineering manager (IC or people manager) at a mid-size startup, a senior product manager at a funded company, a finance or strategy lead at an MNC, or a specialist consultant 6–8 years in. This is also the bracket where FAANG-rejection fallback offers tend to land for strong candidates who didn't clear the bar for ₹30–50L total comp packages.
At ₹20L, equity becomes the negotiation lever that most professionals underutilize. A joining ESOP grant of ₹10–20L (notional, at current strike) vesting over 4 years is effectively ₹2.5–5L/year of additional compensation — often more tax-efficient than salary, especially for unlisted startups where 80-IAC exemptions can apply. When comparing two offers at similar base salaries, model the equity column seriously: what's the implied valuation, what's the expected dilution, what's the liquidation preference stack?
₹20L is where your PF cap election deserves a second look. If PF is uncapped (full 12% of basic), your monthly employee PF contribution is ₹4,000–4,800 depending on basic structure. Opting out recovers ₹48,000–57,600 per year in liquid salary — but you lose the employer matching contribution, which is effectively a 12% guaranteed return on basic. The math favours keeping PF if you have no high-interest debt and no better deployment for that capital. If you're building a startup runway or paying down a home loan at 8.5%+, opt-out is worth evaluating.
Personalise your number
City, PF elections, rent, and deductions all shift your take-home. Enter your actual details below.
Salary
CTC → real monthly in-hand. Both tax regimes, any Indian city, line by line. The numbers you see here are computed in this tab.
Monthly in-hand by city — ₹20 LPA
Under the new regime, city affects take-home only through professional tax. New Delhi levies zero PT; every other metro deducts ₹200–209/month.
| City | Monthly in-hand | Annual PT | vs Bengaluru |
|---|---|---|---|
| Bengaluru this page | ₹1,47,250 | ₹2,400/yr | — |
| New Delhi | ₹1,47,408 | ₹0/yr | +₹158/mo |
| Pune | ₹1,47,243 | ₹2,500/yr | −₹7/mo |
| Hyderabad | ₹1,47,243 | ₹2,500/yr | −₹7/mo |
New regime · standard 40% basic · PF capped · FY 2025-26. Old-regime HRA exemption varies further by rent paid.
Which regime wins at ₹20 LPA?
New regime wins at ₹20 LPA. Even with max 80C + NPS + 80D (₹2.5L), old regime trails by ₹1,40,508/year.
| Deductions claimed | Old regime/yr | New regime/yr | Winner |
|---|---|---|---|
| Zero deductions | ₹15,48,492 | ₹17,67,000 | New +₹2,18,508 |
| Max 80C (₹1.5L) | ₹15,95,292 | ₹17,67,000 | New +₹1,71,708 |
| 80C + NPS self (₹2L) | ₹16,10,892 | ₹17,67,000 | New +₹1,56,108 |
| 80C + NPS + 80D (₹2.5L) | ₹16,26,492 | ₹17,67,000 | New +₹1,40,508 |
Old regime figures assume zero rent. Add HRA claim and the break-even deduction threshold drops further. Use the calculator above for your exact numbers.
Restructuring levers at ₹20 LPA
Annual gain vs new regime baseline with no extra planning. Positive means more in-hand; negative means new regime still wins even with that lever.
| Lever | Regime | Annual gain |
|---|---|---|
| New regime optimisations | ||
| Employer NPS — 80CCD(2) Route 10% of basic (₹80,000/yr) through NPS | New regime | +₹16,632/yr |
| PF opt-out Recover ₹1,800/mo employee contribution | Either regime | +₹38,700/yr |
| Old regime scenarios vs new regime baseline | ||
| 80C max (₹1.5L) ELSS, PPF, ULIP, home loan principal | Old regime | −₹1,71,708/yr |
| 80C + NPS self (₹2L) ₹1.5L via 80C + ₹50K via 80CCD(1B) | Old regime | −₹1,56,108/yr |
| 80C + NPS + 80D (₹2.5L) Adds ₹50K health insurance (self + parents) | Old regime | −₹1,40,508/yr |
| HRA + 80C (rent ₹20K/mo) Metro rent declared, 80C maxed out | Old regime | −₹1,21,788/yr |
Old regime levers shown as net gain vs new regime with no deductions. A negative figure means new regime still wins even after that lever is pulled.
Other brackets
FY 2025-26 · new regime · Bengaluru defaults · verified against incometax.gov.in