One of the most confusing aspects of job offers in India is understanding what your actual take-home salary will be. Companies advertise CTC (Cost to Company), but what you receive in your bank account every month is significantly different after deductions for PF, professional tax, income tax, and other components.
These scenario-based examples show you exactly how different CTC packages translate to monthly in-hand salary. Each scenario uses standard salary structures commonly found in Indian companies, though your actual numbers may vary based on your company's policies, the city you work in, and your chosen tax regime.
These examples help you evaluate job offers, plan your monthly budget, and understand where your money goes between CTC and take-home pay.
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Available Scenarios
What Affects Your In-Hand Salary?
Key Factors
- Different companies split CTC differently between fixed and variable components
- Professional tax varies by state (₹200 in most metros, ₹0 in some states)
- Old regime with deductions vs new regime with lower rates
- Mandatory 12% of basic, capped at ₹1,800/month for salaries above ₹15,000 basic
- Gratuity and bonus are annual or lump-sum components, not part of monthly take-home
Want Your Exact Numbers Based on Your Details?
Every company structures salary differently. Use our calculator to get precise in-hand salary based on your specific CTC breakdown and tax situation.
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