Break down your CTC into in-hand monthly salary — EPF, gratuity, tax, deductions.
CTC includes employer contributions (EPF, gratuity, insurance) and pre-tax components. In-hand = CTC − employer EPF − gratuity provision − employee EPF − professional tax − income tax. Typical in-hand is 70-82% of CTC depending on regime and city.
Roughly: Basic 40-50%, HRA 40-50% of basic, Special allowance (balance), EPF 12% of basic (employer + employee each), Gratuity 4.81% of basic. Exact split varies by company.
Up to ₹20 lakh lifetime is tax-free under Section 10(10) (private sector), received only after 5 years of continuous service. This calculator shows it as a CTC component but you only get it on exit, not monthly.
Yes, if you work in Maharashtra, Karnataka, West Bengal, Telangana, Andhra Pradesh, Gujarat, Kerala, Tamil Nadu, and a few others. Amount is ₹200/month typically (Mar may be ₹300). Delhi, UP, Rajasthan don't have PT.