Your CTC includes components you never see in your bank account — employer PF, insurance, gratuity provisioning. This strips those out and shows your actual monthly take-home.
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CTC = Gross + Employer PF (12% of basic) + Gratuity provision (~4.8%). In-hand = Gross − Employee PF − Income Tax − Professional Tax − Other deductions. Tax uses a simplified slab calculation.
Exact in-hand depends on your payroll structure, city PT slab and actual deductions. Verify with your payslip. See our full disclaimer.