CTC aur in-hand salary mein farak kya hai?
Offer letter mein ₹6 lakh CTC likha hai, par har mahine ₹50,000 nahi aate? Kyunki CTC company ka poora kharcha hai, aapke haath mein aane wala paisa nahi. Yahan har line ka matlab hai.
Seedhi baat
- CTC (Cost to Company) = company aap par saal bhar mein jo total kharcha karti hai, jisme aisi cheezein bhi hain jo seedhe haath mein nahi aati.
- CTC mein aksar employer ka PF contribution, gratuity, insurance aur bonus bhi jude hote hain.
- Gross salary = basic + HRA + allowances, deductions se pehle.
- In-hand (net) salary = gross salary minus deductions: employee PF, professional tax aur TDS (income tax).
- Employee PF aam taur par basic salary ka 12% hota hai, aur utna hi employer bhi daalta hai.
- Professional tax state ke hisaab se lagta hai; kai states mein yeh saal ka ₹2,500 tak hota hai, aur kuch states mein lagta hi nahi.
- Variable pay ya performance bonus CTC mein dikhta hai, par milna performance par depend karta hai.
Kya karein
- Offer letter ya salary slip mein "Basic" dhoondhein: PF aur gratuity isi par bante hain.
- "Employer contribution" wali lines ko CTC se alag karein: yeh haath mein nahi aati.
- Deductions (PF, professional tax, TDS) ko gross se ghatayein: wahi in-hand hai.
- Variable pay ko alag rakhein: yeh pakka nahi hota.
Sawaal
₹6 lakh CTC par in-hand kitna milega?
Yeh structure par depend karta hai: basic kitna hai, PF kitna katta hai, variable pay kitna hai, aur tax kitna. Offer letter ka breakup dekhein, ya TellBrief se poochhein.
Kya gratuity har saal milti hai?
Nahi. Gratuity aam taur par usi company mein kam se kam 5 saal kaam karne ke baad milti hai, isliye woh CTC mein dikhte hue bhi har mahine nahi aati.
Kya TellBrief mera offer letter samjha sakta hai?
Haan. Offer letter ya salary slip ki PDF ya photo daalein: TellBrief batata hai in-hand kitna banega, kya kat raha hai, aur kya pakka nahi hai, Hinglish ya Hindi mein.