With a ₹20 Lakh annual CTC, your monthly take-home is 133,558 under the New Tax Regime (FY 2025-26). Annual tax: ₹1.64 L. Take-home is 0.8% of CTC.
MONTHLY TAKE-HOME
₹1,33,558
₹20 Lakh CTC · 0.8% take-home · Annual: ₹16.03 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹66,667 | ₹8,00,004 |
| HRA | ₹33,334 | ₹4,00,008 |
| Special Allowance | ₹55,459 | ₹6,65,508 |
| PF (Employer) — not in hand | ₹8,000 | ₹96,000 |
| Gratuity (accrual) — not in hand | ₹3,207 | ₹38,484 |
| Gross Salary (taxable) | ₹1,55,460 | ₹18,65,520 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹8,000 | − ₹96,000 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹13,702 | − ₹1,64,424 |
| TAKE-HOME (NET) | ₹1,33,558 | ₹16.03 L |
ANNUAL TAX
₹1.64 L
TAXABLE INCOME
₹17.91 L
EFFECTIVE RATE
8.8%
TAKE-HOME OF CTC
0.8%
Income tax ₹1.64 L / year — TDS 13,702 / month
Taxable income ₹17.91 L exceeds ₹12L — 87A rebate not available.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹155,460 | ₹1.64 L | ₹133,558 | ₹16.03 L | 0.8% |
| Old Regime Metro | ₹155,460 | ₹3.71 L | ₹116,306 | ₹13.96 L | 0.7% |
| New Regime Non-Metro | ₹155,460 | ₹1.64 L | ₹133,558 | ₹16.03 L | 0.8% |
| New Regime PF Capped ★ | ₹161,660 | ₹1.80 L | ₹144,668 | ₹17.36 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹20 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only