Have Questions?
Got any queries? Our FAQ section has all the
answers you need to make an informed decision
with confidence
This is the fixed part of your pay and forms the basis for other components like HRA and PF. Usually, it's 40%-50% of your CTC.
If you're living in a rented home, this part is partially tax-free, depending on the rent and your city of residence.
12% of your basic salary and 12% from the employer are deducted. It’s great for retirement, but it cuts into your in-hand pay now.
If your gross pay is less than ₹21,000/month, 0.75% gets deducted for ESI.
A small deduction per month, approximately, depending on your state. It’s mandatory.
Tax Deduction at Source by Income Tax Dept. Govt. of India. Based on your tax slab, it can be reduced by declaring investments.
Applicable if you have worked for more than 5 years with the same employer. It’s usually 4.81% of your basic salary.
The most flexible part is that employers use this to balance the salary package. It's usually fully taxable.
Often part of your CTC, but may not reflect monthly. These could be performance-based or festive bonuses.
These are tax-saving components if properly claimed with bills.
CTC is the total amount a company spends on an employee in a year. It’s not just your salary—it includes everything.
Gross Salary is what you earn before any deductions (like tax or PF).
Because many components, such as PF, ESI, gratuity, and benefits, are not part of your in-hand salary.
Gross salary is before deductions like PF, ESI, and tax. In-hand is after those deductions.
Opt for tax-saving investments, restructure your salary for more exemptions, and submit accurate declarations.
