A high CTC on the offer letter can shrink dramatically on payday. Understanding the difference protects you from disappointment and bad decisions.
What CTC really includes
Cost to Company bundles base pay, allowances, employer PF, gratuity and sometimes variable pay that you may never fully receive.
Calculate your take-home
Subtract PF, professional tax, income tax and any variable component to estimate what actually reaches your account each month.
Quick tips
- Ask for a detailed salary breakup
- Separate fixed from variable pay
- Account for PF and tax deductions
- Compare offers on in-hand, not CTC
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