Analyze offer

Same CTC, different pay

The headline number can hide a ₹35,334-a-month difference. Here are two ₹20L offers side by side, worked out by the same engine as the analyzer.

By CTCtruth · Updated

₹20L CTC can mean very different things

Two offers can have the same headline CTC and leave you with very different monthly cash.

That’s because CTC can include employer PF, gratuity, variable pay, joining bonuses, ESOPs and other components that don't become monthly salary.

We show you where the money actually goes.

Offer A

₹20L CTC · mostly fixed pay
₹1,38,069estimated take-home a month
Fixed pay
92% of CTC
Employer PF + gratuity
₹60,062
Bonus, joining and equity
₹1,00,000
Difference₹35,334a month≈ ₹4.2L a year

Offer B

₹20L CTC · padded with PF, bonuses and equity
₹1,02,735estimated take-home a month
Fixed pay
71% of CTC
Employer PF + gratuity
₹1,34,462
Bonus, joining and equity
₹4,50,000

Illustrative example Two hypothetical offers, not real employers, worked out by the same engine as the analyzer. The gap is before counting whether Offer B's bonus is paid in full or its equity is ever worth anything.

Every number has a story.

CTCtruth doesn't just give you a final number.

It shows you how that number was built.

  1. Offer
  2. CTC
  3. cash
  4. deductions
  5. take-home

And when something can change the result, we'll point it out.

The offer-letter reader listing each value it found, from total CTC to employer PF, gratuity and the equity grant, next to the exact line in the letter, with tick boxes to confirm each oneThe offer-letter reader listing each value it found, from total CTC to employer PF, gratuity and the equity grant, next to the exact line in the letter, with tick boxes to confirm each one

The offer-letter reader: each value next to the exact line it came from. Scroll the image sideways to read it.

Where to go next

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  • Both tax regimes, for 2024–25 to 2026–27
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