How to Calculate In-Hand Salary from CTC (PF, Gratuity & TDS Breakdown)

Published: 2026-02-06 | Read Time: 4 min read

Understand why your monthly bank credit differs from your offer letter CTC by breaking down EPF, Professional Tax, Gratuity, and TDS.

Frequently Asked Questions

Why is In-Hand Salary usually 70% to 80% of CTC?

Because CTC includes company retiral benefits (Gratuity, Employer PF) and mandatory taxes that are deducted before monthly payroll credit.