For mere 20 k received by you it should not create any income tax problem 

2) if you get any query raje the plea it was received as gift from your boy friend 

There is no tax on money received from abroad to India, as long as it is a gift or a personal remittance. However, you may have to report the source and purpose of the money to the income tax authorities, if they ask you about it. You may also have to provide proof of your relationship with the sender and the reason for the money transfer.

If you received the money through Western Union, you may have to fill out a form called Form 15CA and Form 15CB, which are used to declare the foreign remittances to the income tax department. These forms are available online on the income tax portal or at the Western Union agent’s office. You may also have to submit a copy of your PAN card and a valid ID proof.

If you received the money in cash, you may not have to fill out these forms, but you may still have to keep a record of the transaction details, such as the sender’s name, address, and country, the amount and currency of the money, the date and mode of receipt, and the purpose of the money. You may also have to keep a copy of the receipt or confirmation from Western Union.

If you do get a query in your income tax portal on this, you should answer it honestly and provide the relevant documents and proofs as mentioned above. You should also explain that the money was sent by your boyfriend because his card was blocked and that it was not your income or taxable amount. You should also mention that your income is zero and that you did not have to pay any taxes previously.

No tax implications.

If you receive as freelancers income and that also less than INR 2.5 lacs a year, that will be not taxable for you.

Dear client, the exempted income in India is 7 lack. And since your income is below that you are not expected to pay tax in India. 

Madam, 

If you go closely by the income tax rules, the transaction among family members and hence you may be exempted. You need to disclose that the amount was sent by your boy friend. 

The amount of Rs. 20,000 received by you will not attract income tax at all.

If there was any suspicious activity namely illegal money laundering activity only then you may be questioned otherwise this is not a matter of concern.

You don't have to be worried about this money received as gift.

You need to declare the same to IT if any scrutiny is done. Documents of receipt needs to be shown 

Greetings of the Day,

I have read your issue but find that there are some facts which need to be clarified. You can approach on either nine two one two one two four five eight five or seven zero four two eight three three six eight six for personal approach.

We Hope that a personal consultation would be fruitful to the issue and it would be better for you to talk to someone directly.

Best Regards

SPS Law Chambers
New Delhi.