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CTC to In-Hand Salary Calculator

Your offer letter shows a Cost To Company (CTC) figure, but your monthly bank credit is lower after Provident Fund, professional tax, and income tax. This calculator gives a quick, simplified estimate so you can compare offers. It is an estimate, not tax advice.

Estimated monthly in-hand

₹44,038

≈ ₹5,28,456 per year

Assumes basic = 40% of CTC, 12% PF, ₹2,400 professional tax, and the new tax regime with ₹75,000 standard deduction. Estimated income tax: ₹0/yr. This is an estimate, not tax advice.

Frequently asked questions

Why is my in-hand lower than my CTC?

CTC includes employer PF contribution, gratuity, and other components that don't reach your bank account. Income tax, employee PF, and professional tax are also deducted.

Is this exact?

No — it's a simplified estimate using the new tax regime and standard PF assumptions. Your actual figure depends on your salary structure and declared investments.

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