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What is CTC?

CTC (Cost to Company) is the total annual expense a company bears for an employee. It includes basic salary, HRA, allowances, PF contributions, gratuity, and any other benefits. Your take-home salary is always less than CTC.

CTC vs Gross vs Net Salary

CTC = Total cost to company including employer contributions. Gross Salary = CTC minus employer PF and gratuity. Net/Take-Home = Gross minus employee PF, income tax, and professional tax.

Typical Salary Structure

• Basic: 40–50% of gross
• HRA: 40–50% of basic (50% in metro cities)
• Special Allowance: remaining amount
• PF: 12% of basic (employee + employer each)