If your CTC is 7 LPA in hand salary, you’ll actually take home approximately ₹42,000 to ₹48,000 per month, depending on your company’s salary structure, tax regime choice, and deductions—which is about 72-82% of your gross monthly salary. Let me tell you about Rahul, a fresh graduate who landed his first job at a Bengaluru-based IT company. His offer letter screamed “₹7 Lakhs Per Annum” in bold letters. He was over the moon, already planning that Royal Enfield purchase and calculating monthly EMIs. First salary day arrived, and his bank account showed ₹44,230. “Where did the rest go?” he asked…
Author: Aman
An 8 LPA in hand salary typically translates to approximately ₹50,000–₹53,000 per month after all deductions including taxes, PF, and other statutory contributions. But here’s the thing—that single number doesn’t tell you the whole story. Whether you’re a fresh graduate clutching your first offer letter from Infosys, a mid-level professional evaluating a TCS package, or someone simply trying to decode what “CTC 8 LPA” actually means for your bank account, this guide will break down every rupee with brutal honesty. Understanding the 8 LPA Salary Landscape: By The Numbers Let me paint you a picture with cold, hard data: Salary…
If you’re earning a 12 LPA in hand salary, your actual monthly take-home after all deductions typically ranges between ₹75,000 to ₹85,000, depending on your tax regime choice, company benefits structure, and investment declarations. But wait—here’s where most people get confused. When someone says “12 LPA,” are they talking about the Cost to Company (CTC) or the actual in-hand salary? This single confusion has caused more awkward moments in salary negotiations than any other factor in Indian corporate life. Let me walk you through the reality behind these numbers, because what your offer letter promises and what hits your bank…
If you’re earning a package of 10 LPA in hand salary, your actual monthly take-home ranges between ₹52,000 to ₹62,000 depending on your tax regime choice, company benefits structure, and applicable deductions. That’s right—your CTC of 10 lakhs doesn’t translate to ₹83,333 per month in your bank account. Let me take you on a journey through Priya’s story. Fresh out of engineering college, she landed her dream job at a leading IT firm with a “10 LPA package.” Her parents were ecstatic. The neighbors congratulated them. She calculated she’d get over ₹83,000 monthly and started planning her expenses—a new car…
By Aarav Singh, Finance Journalist and Salary Expert With over 12 years diving into India’s job market, Aarav has penned articles for top publications, drawing from salary surveys and economic data. Methodology: This piece pulls from aggregated 2025 data via government reports, industry benchmarks like those from Michael Page and Aon, and anonymized real-user experiences—fact-checked against sources such as the Economic Times, Statista, and NSSO for accuracy without direct quotes or links. Picture this: You’re fresh out of college, scrolling job portals, and bam— a role pops up promising 5 LPA in hand salary. Sounds solid, right? But wait, is…
When you land your first job with a 4 LPA in hand salary (Lakhs Per Annum) package, the excitement is real. But here’s the reality check: your actual monthly take-home pay will be between ₹28,000 to ₹34,000, depending on your company’s salary structure and tax deductions. The gap between your Cost to Company (CTC) and In Hand salary often surprises freshers. Think of CTC as the total cost your employer bears for you, while In Hand salary is what actually lands in your bank account each month. Quick Stats: The 4 LPA Landscape Metric Value Context Annual CTC ₹4,00,000 Standard…