What is in-hand salary?
In-hand salary (take-home pay) is what lands in your bank account after all deductions are subtracted from your gross salary. CTC includes employer-side costs (PF, gratuity, insurance) that you never receive directly, which is why your in-hand pay is typically 15-25% lower than your CTC.
Sample salary breakup (CTC ₹12,00,000)
| Component | Monthly (₹) | % of CTC |
|---|---|---|
| Basic Salary | ₹40,000 | 40% |
| HRA | ₹20,000 | 20% |
| Special Allowance | ₹28,000 | 28% |
| Gross Salary | ₹88,000 | 88% |
| Employee PF (12% of basic) | ₹−4,800 | −4.8% |
| Professional Tax | ₹−200 | −0.2% |
| Income Tax TDS (estimated) | ₹−3,000 | −3% |
| In-Hand Salary | ₹80,000 | 80% |
In-hand salary = Gross Salary (₹88,000) − Deductions (₹8,000) = ₹80,000/month. Adjust CTC and structure percentages in the calculator to match your offer.
Frequently asked questions
Evaluating a new job offer? Try our CTC Calculator to compare offers and see a detailed breakdown of employer contributions vs your actual take-home pay.