Your in-hand salary is typically 60-75% of CTC.
CTC vs Gross vs Net
CTC includes everything the company spends (salary + PF + gratuity + insurance). Gross = CTC minus employer contributions. Net = Gross minus deductions (PF, PT, tax). Use our [Salary Calculator](/calculators/salary-calculator).
₹15L CTC Example
Basic ₹6L + HRA ₹3L + Special ₹2.64L + Employer PF ₹72K + Gratuity ₹29K + Insurance ₹15K. Gross: ₹12.64L. Deductions: PF ₹72K + PT ₹2.4K + Tax ~₹1.2L. In-Hand: ~₹10.7L (71% of CTC).
Negotiate Higher Take-Home
1. Higher special allowance. 2. NPS employer contribution (80CCD(2) deduction). 3. Flexible benefits (meal coupons, phone, fuel). 4. Performance bonus.
Asking for a Raise
Best timing: After major project success or annual review. Ask 15-20% for promotion, 30-40% when switching. Frame around value delivered, not needs. Use our [Income Tax Calculator](/calculators/income-tax-calculator) to compare old vs new regime.