FY 2025-26 · See your monthly payslip breakdown
CTC (Cost to Company) is the total expenditure a company makes for you annually, including employer PF, gratuity, and other benefits. In-hand salary is what you actually receive in your bank account after deducting employee PF, professional tax, and income tax (TDS).
Typically, in-hand salary is 60-75% of CTC, depending on your salary structure, PF contribution, and tax bracket. The main deductions are: employer PF (12% of basic), gratuity (4.81% of basic), employee PF, professional tax, and income tax.
CTC typically includes: Basic Salary (40-50% of CTC), HRA (40-50% of Basic), Special Allowance, LTA, Employer PF (12% of Basic), Gratuity (4.81% of Basic), and sometimes medical insurance, food coupons, and other perks.
Professional tax varies by state. In Maharashtra, it is ₹200/month (₹2,400/year) for monthly salary above ₹10,000. For monthly salary between ₹7,500-10,000 it is ₹175/month. Below ₹7,500, no professional tax is applicable.
