Suraj's Post

💼 CTC vs In-Hand Salary, the never-ending mystery. Ever celebrated a big offer… and then saw your first salary credit? That gap between CTC and in-hand is where confusion begins. 📌 CTC includes: • Basic salary • HRA • Special allowances • Employer PF contribution • Gratuity • Bonuses • Insurance But your in-hand salary is what actually hits your bank account after: • Employee PF deduction • Professional tax • Income tax (TDS) • Other deductions Same offer letter. Very different reality. Before negotiating salary, ask one simple question: “What will I receive in hand every month?” Because CTC sounds impressive. In-hand pays the bills. 🔔 Follow @myfintaxofficial & @casurajsoni for daily finance updates, IPO news & market insights!

• @myfintaxofficial
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This post was published on 26th February, 2026 by Suraj on his Instagram handle "@myfintaxofficial (MYFINTAX | Finance & Tax Educator | CA Suraj Soni)". Suraj has total 177.3K followers on Instagram and has a total of 2.9K post. Suraj receives an average engagement rate of 1.16% per post on Instagram. This post has received 1 comments which are lower than the average comments that Suraj gets. Overall the engagement rate for this post was lower than the average for the profile.