Salary
CTC vs take-home salary
CTC is the employer's annual cost; take-home is what remains after employee deductions and tax.
Where the difference comes from
CTC can include employer PF, gratuity, insurance, bonus or other benefits. Gross salary is generally the salary before employee-side deductions. Take-home is lower after employee PF, professional tax where applicable and income tax.
A practical way to compare offers
Ask for the salary breakup, identify fixed and variable pay, and separate employer contributions from cash salary. Compare annual take-home as well as monthly cash flow; a higher CTC is not automatically a higher monthly credit.
Use an estimate carefully
Payroll treatment, exemptions and deductions vary by employer and person. Use the salary calculator as a planning estimate, then confirm the actual offer letter and payslip.
This guide is for general education. Rules, lender terms, bank terms and individual circumstances can change the result.
Use the relevant calculator