Understand how your CTC is divided into salary components.
Basic Salary
₹ 4,80,000
HRA
₹ 1,92,000
Employee PF
₹ 57,600
Employer PF
₹ 57,600
Gratuity
₹ 23,088
Special Allowance
₹ 3,89,712
Basic salary is usually 40–50% of CTC.
HRA is typically a percentage of basic salary.
PF and gratuity are long-term benefits, not cash salary.