Job Offer Comparator

How city-adjusted CTC works

We anchor each city at a cost-of-living (COL) index. Mumbai is the benchmark at 100, with Bengaluru ~88, Delhi NCR ~90, Hyderabad ~72, Pune ~78, Chennai ~76, Kolkata ~65 and tier-2 cities like Indore or Coimbatore around 55–60. Adjusted CTC = offered CTC × (Mumbai index ÷ city index). It normalises rent, food, school fees and commute — the four buckets that drive 70% of an urban Indian's outflow.

Worked example

Offer A: ₹32 LPA in Bengaluru. Offer B: ₹28 LPA in Hyderabad. Naive comparison says Bengaluru wins by ₹4L. Adjusted: A = 32 × (100/88) = ₹36.4L “Mumbai units”, B = 28 × (100/72) = ₹38.9L. Hyderabad is actually ₹2.5L better in real spending power, mostly because 2BHK rent runs ₹25k vs ₹45k. Reverse the result for a hiring manager pitch though — Bengaluru still has the deeper job market and faster role mobility, which matters at year 3–5.

When to use this

• Comparing two India offers across metros before relocating family
• Negotiating a transfer: ask for COL-parity adjustment when moving Hyderabad → Mumbai
• Evaluating a hometown remote offer at lower CTC vs metro on-site at higher CTC

For the take-home math behind the CTC numbers, use the CTC Calculator, then read our guide on CTC negotiation tactics before responding to the offer letter.