Get your complete salary breakup — HRA, Basic, PF, Professional Tax & take-home pay instantly.
| Component | What It Means | Taxable? |
|---|---|---|
| Basic Salary | 40–50% of CTC, fully taxable | Yes |
| HRA | House Rent Allowance, partially exempt | Partial |
| Special Allowance | Remaining CTC component, fully taxable | Yes |
| Employer PF | 12% of Basic, part of CTC but not received | No |
| Employee PF | 12% of Basic, deducted from salary | Deduction |
| Professional Tax | State-level tax, max ₹2,500/year | Deduction |
| Gratuity | 4.81% of Basic, part of CTC | On exit |
CTC stands for Cost to Company. It is the total amount a company spends on an employee in a year. CTC includes basic salary, allowances, bonuses, employer contributions to PF, gratuity, and other benefits.
In-hand salary (also called take-home salary) is the actual amount an employee receives after deductions such as Provident Fund (PF), Professional Tax, Income Tax (TDS), and other applicable deductions.
Higher tax reduces take-home salary.
Employee contribution reduces monthly salary.
Some components are not paid monthly.
Different companies structure salaries differently.
Basic salary, special allowances, and performance bonuses are typically negotiable. PF and gratuity are statutory and fixed by law. When comparing offers, always compare net in-hand, not gross CTC.
Many companies split CTC into fixed (80–90%) and variable (10–20%). Variable pay depends on performance targets. Always ask what % of employees historically receive 100% of variable pay.
Request LTA (Leave Travel Allowance), meal vouchers, and phone/internet reimbursements — these are tax-free up to limits and reduce your effective tax burden without increasing employer cost.