What is CTC?

CTC means Cost to Company — the total amount your employer spends on you per year. It includes gross salary, employer EPF, bonuses, allowances, and other benefits. It is not what you take home.

CTC full form

CTC = Cost to Company. It is the yearly cost the company bears for employing you.

CTC vs in-hand salary

Your in-hand (take-home) is less than CTC because of:

• Income tax (TDS)
• Employee EPF contribution
• NPS (if applicable)
• Professional tax
• Other deductions

Typically, in-hand is about 65–75% of CTC depending on salary and tax regime.

What is included in CTC?

CTC usually includes: basic salary, HRA, special allowance, employer EPF, gratuity, medical, LTA, bonus, and other perks. Use a CTC to in-hand calculator to see your exact take-home.