In-hand
Deductions
Monthly in-hand salary
₹0
Annual CTC ₹0
Employer PF (12% of basic) ₹0
Gratuity (4.81% of basic) ₹0
Employee PF (12% of basic) ₹0
Professional tax ₹0
Income tax ₹0
Annual in-hand ₹0
Why in-hand is less than CTC
CTC includes the employer's PF share and gratuity, which don't reach you monthly. Removing them gives your gross salary; subtracting employee PF (12% of basic), professional tax and income tax gives your take-home. Actual figures vary with your company's structure and tax declarations — use this as a close estimate.
FAQs
CTC includes employer PF and gratuity you don't get monthly, plus your PF, PT and tax are deducted.
CTC − employer PF − gratuity = gross; gross − employee PF − PT − tax = in-hand.