What Is CTC vs In-Hand Salary? A Simple Explanation
Published · Jobfixnow
What is included in CTC?
CTC usually includes basic pay, allowances such as HRA, the employer's provident fund contribution, gratuity, insurance and any variable or bonus pay.
What is deducted from salary?
Common deductions are the employee's provident fund contribution, professional tax (in some states) and income tax deducted at source, depending on your income and choices.
How to compare two job offers
Ask each employer for a salary breakup, compare the fixed monthly in-hand amount, then consider variable pay, benefits, growth and commute or remote options.
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