CTC Vs In- Hand Salary: The harsh truth about your paycheck

Ever wondered why your offer letter says ₹12 Lakh CTC but your bank credit is just ₹75,000/month?

Welcome to @Pocket TaxLawyer, where we decode your pay slip, line by line.

In this video, we’ll expose the truth behind your salary and explain:
✅ What exactly is CTC (Cost to Company)
✅ Why your in-hand salary feels so much smaller
✅ Hidden components inside your CTC — PF, gratuity, insurance, variable pay
✅ Deductions that shrink your take-home — TDS, professional tax, employee PF
✅ Legal tax-saving tips to increase your take-home pay (HRA, 80C, NPS, LTA & more)

Example:
CTC ₹12 Lakh ≠ ₹1 Lakh/month in hand.
After deductions, you might only receive ₹75,000!

Pro Tip: Your CTC is a company expense number, but your in-hand is your reality.

Use smart exemptions and investment planning to boost your actual income.

Видео CTC Vs In- Hand Salary: The harsh truth about your paycheck канала Pocket TaxLawyer