1. Mr. Siddharth has a property whose municipal valuation is Rs. 4,00,000 p.a. 
2. The fair rent is Rs. 1,50,000 p.a. and the standard rent fixed by the Rent Control Act is Rs. 3,00,000 p.a. 
3. The property was let out for a rent of Rs. 20,000 p.m. However, the tenant vacated the property on 31.1.2019.
4. Unrealised rent was Rs. 20,000. He paid municipal taxes @12% of municipal valuation. Interest on borrowed capital was Rs. 80,000 for the year. 

Compute the income from house property of Karthik for A.Y.2019-20.