TGZ individual folder backup by date

#!/bin/bash
BACKUP_SRV="/mnt/tgz-backup/"
EXCLUDE="/usr/share/exclude.list"
CURRENTDAY=$(date +%F)
CURRENTMONTH=$(date +%Y-%m)
#
find /mnt/UserData/ -maxdepth 1 -mindepth 1 -type d | while read -r d
do DSTDIR=$BACKUP_SRV/UserData
TARGZ=$(echo "$d" | cut -d "/" -f5)
if [ -f "$DSTDIR"/"$TARGZ"_full.tgz ]
then
        mkdir "$DSTDIR"/"$CURRENTMONTH" > /dev/null 2>&1
        tar -czf "$DSTDIR"/"$CURRENTMONTH"/"$TARGZ"_"$CURRENTDAY".tgz "$d" --newer-mtime '20 hours ago' -X $EXCLUDE
else
        tar -czf "$DSTDIR"/"$TARGZ"_full.tgz "$d" -X $EXCLUDE
fi
done