Salary breakdown
Rs 12 LPA CTC does not usually mean Rs 1 lakh monthly take-home.
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CTC
CTC can include employer PF, gratuity, insurance, and variable pay.
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Gross pay
Monthly gross is usually lower than CTC divided by twelve.
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Deductions
Employee PF, professional tax, and income tax reduce in-hand salary.
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Guide
Open the 12 LPA salary page for a detailed estimate and assumptions.
View 12 LPA guide5 / 5