What's Your CTC?

'IT and IT enabled services' Professionals beware.when you get your salary slip, you find that there
What you get is not always what you will get.is something missing. A portion of your salary is
When you get your offer letter, you will benot documented.
pleased to find out an impressive looking figure onSurprisingly, when you calculate the missing
it. You would also notice that the letter alsoamount, you find that it is equal to 12 times your
mentions your salary break-up. The accountsmonthly PF deduction. Hold on a minute here.
personnel would probably explain you the basicRelax and unfold your salary slip. Now calculate
calculations. But you prefer not to talk about ityour monthly gross income. Then annual gross
then. At the moment you are overjoyed byand then try to confirm your CTC. You will find
winning the bargain. You are on a high. You areout yourself.
delighted and you want to celebrate your victory.Yes! The PF deduction that shows on your salary
But what happens when you get your firstslip is the company contribution. Your contribution
salary? You are disappointed. Why? You feelis not documented on your slip. It is documented
cheated. Why? You are depressed. Why? Let'sno where, not even in the offer letter or the
find out.agreement letter.
Let's say your package is 5 lacs. You know thatWhat are you waiting for? Go ahead and confirm.
your PF is deducted from your salary. ConsideringHenceforth before you accept any new offers,
components like performance incentive, gratuity,beware!
income tax, and other standard components,