Hi again Babar.

The 11.0592Mhz crystal is the easiest crystal frequency that permits the generation of the lower sequence of standard baud rates (110 - 9600 Baud)

There is no reason wh you cannot recalculate reasoanble timer reload values to get 9600 Baud at 20Mhx crystal I am using a 24 Meg crystal at the moment very successfully.

It is suprising how far out you can be and for the comms to still work too. So you don't need zero error in the calculation.

Steve