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Salary

CTC to In-Hand Salary: How to Calculate Your Take-Home Pay in India (2026)

Confused by CTC vs in-hand salary? Learn exactly how to calculate take-home pay in India — PF, professional tax, TDS, gratuity explained — with a worked example for a Rs 5.5 LPA CTC, plus a free calculator.

E
By Edesy Team
Published: May 31, 2026•5 min read
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Table of contents

  • CTC vs Gross vs Net (in-hand) — the three numbers
  • What's inside CTC
  • The deductions that lower your in-hand
  • Worked example: Rs 5.5 LPA CTC
  • How to read a job offer like a pro
  • For HR teams and employers
  • Frequently asked questions
  • If CTC is 5.5 lakhs, what is the net salary?
  • Why is my in-hand salary less than my CTC?
  • What is the difference between gross and net salary?
  • Does a higher basic salary mean lower in-hand?
  • Is TDS deducted on a Rs 5.5 LPA salary?
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