Salary & Employment
7 min read
•Updated 2026-09-18
How In-Hand Salary is Calculated: CTC to Take-Home Pay, EPF & Tax Deductions
Decode your payslip with an exact breakdown of gross compensation, statutory provident fund, and net disposable monthly salary.
By AnyCalcHub Human Resources & Tax Desk
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1. CTC vs Gross Salary vs Net In-Hand Salary
CTC includes all employer costs (employer PF contribution, gratuity, insurance). Gross salary is what appears on your contract before statutory deductions. In-hand is what hits your bank account.
Mathematical Formula
In-Hand Salary = Gross Earnings - (Employee EPF + Professional Tax + Monthly TDS)
Step-by-Step Worked Example
Gross Monthly₹100,000
Employee EPF (12% of Basic)₹4,800
Professional Tax₹200
Income Tax TDS₹5,000
Step 1:Total deductions: 4,800 + 200 + 5,000 = ₹10,000
Step 2:Net In-Hand Pay: 100,000 - 10,000 = ₹90,000
Final Result: Monthly Take-Home Salary: ₹90,000
Frequently Asked Questions
Common questions and mathematical nuances for this calculation.
How much is deducted for Employee Provident Fund (EPF)?
Mandatory EPF deduction is 12% of basic salary + dearness allowance (DA), matched by an equal 12% contribution from the employer.
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