take home

Finance

CTC vs in-hand salary — why ₹15 LPA only puts ₹1 lakh in your bank

A ₹15 LPA CTC translates to roughly ₹1.05-1.1 L per month take-home. Employer EPF, gratuity, income tax and your own EPF eat 25-30% of CTC. Full breakdown with examples.

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