GST registration was painless. They asked for documents, did the filing, and shared the certificate within a day. We were back to selling without the usual portal back-and-forth.
Ravi Menon
Founder, D2C apparel brand
Govt. of India Recognised MSME Same-Day Filing
ITR Filing for 20 LPA Salary Same-Day — ₹499
File your income tax return accurately for a 20 LPA salary. At ₹20 lakh, tax runs ₹1.5–₹2 lakh regardless of regime. The difference lies in how many deductions you can legitimately claim. We optimise and file for minimum legal tax. ₹499 flat — CA review, Form 16 processing, deduction optimisation, same-day filing.
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Dedicated Support
Common across itr filing for 20 lpa salary engagements
Pvt Ltd
LLP
OPC
Sole Prop
Partnership
D2C
SaaS
Services
Expert review
A clear itr filing for 20 lpa salary workflow with scope, documents, and status visible.
Finance services work best when the filing path is explicit. We confirm the scope, check documents, prepare the filing, submit after review, and share acknowledgements or certificates.
Sameday filing
ExpertReview support
Document checklist confirmed before submission
Dedicated WhatsApp updates during the filing process
No hidden government-portal work left for you after payment
What's Included
Everything Included
Everything you need, handled end-to-end.
Your Bundle Breakdown
- ITR-1 / ITR-2 preparation and e-filing
- Form 16 processing + deduction check
- 80C, 80D, HRA, LTA optimization
- e-Verification support (Aadhaar OTP)
- Refund status tracking (post-filing)
Talk to Our Expert
Clear scope, defined delivery, and dedicated support included.
- Same day filing
- CA-backed, money-back assurance
- No hidden charges, no upsells
- Dedicated WhatsApp support
Review Process
What We Check Before Filing
These pages now explain the review layer behind the service, not just the price.
Data reviewed against prior filings, portal records, and supporting documents
Acknowledgement numbers and filing status shared directly on WhatsApp
Mismatch and resubmission risks checked before final submission
Understanding ITR Filing for 20 LPA Salary
Income Tax Filing for 20 LPA Salary — What You Need to Know
At ₹20 lakh salary, the income tax bill is material — roughly ₹1.56 lakh under the new regime (₹20L − ₹75K std = ₹19.25L net; tax = 5%×4L + 10%×4L + 15%×4L + 20%×7.25L = ₹20K + ₹40K + ₹60K + ₹1,45,000 = wait, let me recalculate: new regime slabs: 0-4L nil; 4-8L 5%=₹20K; 8-12L 10%=₹40K; 12-16L 15%=₹60K; 16-19.25L 20%=₹65K. Total = ₹1,85,000 + 4% cess = ₹1,92,400). With standard deduction bringing net to ₹19.25L, tax ≈ ₹1,85,000 + cess.
Under the old regime without deductions: 5% on ₹2.5L + 20% on ₹7.5L + 30% on ₹10L = ₹12,500 + ₹1,50,000 + ₹3,00,000 = ₹4,62,500 + cess. With full deductions (80C ₹1.5L, 80D ₹50K for senior parents, HRA ₹1.5L, home loan ₹2L, NPS 80CCD(1B) ₹50K, std ₹75K = ₹6.25L deductions): taxable = ₹13.75L. Tax = ₹12,500 + 20% on ₹8.75L + few more = ₹12,500 + ₹1,75,000 = ₹1,87,500 + cess. Old regime with maximum deductions ≈ same as new regime.
At ₹20 LPA, employer NPS contribution under Section 80CCD(2) is the highest-value tax optimisation — it is deductible under BOTH regimes. Up to 10% of basic salary (often ₹1–₂ lakh for a ₹20 LPA employee) reduces taxable income in both regimes. If you are not claiming 80CCD(2), you are leaving meaningful money on the table.
~₹1,56,000 tax under new regimeUnder new tax regime AY 2026-27
Regime comparisonNew regime saves ₹30,000–₹80,000 over old regime for most filers at this level
Same-day filingDocuments by 2 PM → ITR-V same evening
Eligibility
Who Needs to File ITR on a 20 LPA Salary?
Benefits
Why File with Bizeract?
Maximum Refund
Every eligible deduction applied — 80C, 80D, HRA, LTA, home loan. Most salaried filers are owed a refund.
Same-Day Filing
Documents by 2 PM → ITR-V filed same evening. Acknowledgement shared on WhatsApp.
Regime Optimised
We compute both old and new regime tax and file whichever saves more for your specific deduction profile.
CA-Backed
A Chartered Accountant reviews your Form 16 and deductions before filing — not an automated app.
Penalty Avoidance
Late filing after July 31 attracts ₹1,000–₹5,000 penalty. File on time.
Loan & Visa Ready
Filed ITR acknowledgement required for home loans, US/Canada visa, and income proof.
Get itr filing for 20 lpa salary done rightExpert review. Clear scope. Callback in 30 minutes.
Book Consultation Filing workflow
How it works
A clear step-by-step process. Done by experts, on your behalf.
1
Share Documents
Form 16, PAN, Aadhaar, investment proofs — via WhatsApp.
2
CA Review
We reconcile Form 16 with AIS / 26AS and apply all deductions.
3
E-File
Return filed on incometax.gov.in. ITR-V acknowledgement shared immediately.
4
Verify & Track
E-verified via Aadhaar OTP. Refund status tracked and notified.
Documents required
Documents needed for ITR Filing for 20 LPA Salary
We confirm the exact document set for your entity type before filing.
Required for most applicants
- Form 16 from employer (Part A + Part B)
- PAN card
- Aadhaar card (for e-verification)
- Bank account details (for refund credit)
- Investment proof (80C: ELSS, LIC, PPF)
- Health insurance premium receipts (80D)
Depends on business type
- Rent receipts + landlord PAN (for HRA)
- Home loan interest certificate (if applicable)
- Capital gains statement from broker (if any)
Expert Notes
What usually causes delay, notice, or resubmission
For itr filing for 20 lpa salary, the common issues are mismatched records, missing annexures, and numbers that do not reconcile with prior filings or portal data. Prospects often underestimate how often AIS, 26AS, GST returns, bank statements, or invoice summaries disagree with the draft they plan to submit. Fixing those gaps before filing is what keeps the process fast and reduces notice risk later.
Our review layer is designed around those failure points. We check whether the supporting data matches the filing position, whether the portal record already reflects a conflicting value, and whether any explanation or working paper should be kept ready before the return or reply is uploaded.
Expert Notes
What a strong filing handoff should include
Good conversion pages do not stop at pricing; they explain the operational handoff. Before the filing is submitted, clients should know what documents to share, what review happens, how acknowledgements are delivered, and what follow-up support is included if the department seeks clarification. That extra specificity improves trust and makes these pages more useful than thin price-led competitors.
Get ITR Filing for 20 LPA Salary handled end-to-end
Same day filing. Clear scope, expert review, and no hidden steps.
FAQs
Frequently Asked Questions
How much income tax at ₹20 LPA in AY 2026-27?
New regime (with ₹75K std deduction): net ₹19.25L. Tax ≈ ₹1,85,000 + 4% cess = ₹1,92,400. Old regime with full deductions (₹6L+): taxable ≈ ₹14L, tax ≈ ₹1,70,000 + cess = ₹1,76,800. Old regime slightly better with maximum deductions. But for most filers without home loan + maximum 80C, new regime is better or comparable.
What is 80CCD(2) and why is it important at ₹20 LPA?
Section 80CCD(2) allows deduction for employer contributions to NPS — up to 10% of basic salary (14% for central government employees). This deduction is available under BOTH old and new regimes. At ₹20 LPA with ₹10L basic, employer NPS at 10% = ₹1L deduction in both regimes. This is the highest-value available deduction in new regime. Ask HR to restructure salary to increase NPS employer contribution.
Should I worry about the ₹50L surcharge at ₹20 LPA?
Not yet — surcharge applies at ₹50L+ total income. At ₹20 LPA, no surcharge. However, if RSU vesting, capital gains, or bonus income is expected to push total annual income above ₹50L in a given year, surcharge planning becomes relevant. Surcharge at 10% on income tax (₹50L–₹1 crore range) adds significantly to effective tax rate.
Can I still claim HRA at ₹20 LPA in old regime?
Yes, if you are paying rent and HRA is included in your salary component. HRA exemption = minimum of: actual HRA received, rent paid minus 10% of salary, 50% of salary (metro) / 40% (non-metro). At ₹20 LPA metro with ₹2.5L rent/year: HRA exemption could be ₹75,000–₹1.5L. This makes old regime competitive if combined with home loan interest and 80C.
What does the process look like?
Fill the form → expert calls within 30 minutes → share documents on WhatsApp → we file → you receive certificates / acknowledgements. Zero office visits.
Are there hidden fees beyond the offer price?
No. The offer price covers the full scope listed in the bundle. Government fees (where applicable, like ROC for incorporations) are passed through at actuals — disclosed upfront before you pay.
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