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Take-Home Pay
Take-home pay is gross salary minus deductions such as provident fund contributions, professional tax and TDS. It is often well below the cost-to-company figure quoted in job offers.
Why It Matters
Budget around take-home pay, not the CTC on your offer letter.
In India
After the 2025 labour codes raised basic pay to at least half of total pay, many workers saw slightly lower take-home pay and higher PF contributions.