What is CTC vs In-Hand Salary?▼
CTC (Cost to Company) includes everything your employer spends on you — basic, HRA, EPF employer contribution, gratuity, insurance. In-hand is what you actually receive after all deductions.
Why is my in-hand salary so much less than CTC?▼
Employer EPF (12% of basic), gratuity (4.81%), and insurance are part of CTC but not paid to you monthly. Then income tax, employee EPF, and professional tax are deducted from gross salary.
Which tax regime is better — old or new?▼
New regime has lower tax rates but no deductions (80C, HRA, etc.). If your deductions exceed ₹3-4L, old regime may be better. This calculator shows both.