FinComics #01
CTC vs In-Hand Salary
Why ₹15 Lakhs CTC Feels Like ₹88,500 in Your Bank
🎨FinComics 3D Studio
#1The Offer Letter Euphoria
₹15L CTC
🤩
Rahul(Software Engineer)
“Woohoo! Got a ₹15 Lakhs CTC offer! That means ₹1,25,000 hits my bank account every single month!”
📌Rahul assumes CTC divided by 12 equals his monthly in-hand bank credit.
#2The First Paycheck Shock
₹88.5k In-Hand
😱
Rahul(Shocked)
“Wait, what?! Only ₹88,500 was credited in my bank! Where did the remaining ₹36,500 vanish?! Did HR make an error?”
📌The payslip reveals deductions for Employer PF, Income Tax TDS, and statutory Gratuity.
#3The Mentor Breakdown
CTC Breakdown
👨🏫
Vikram Sir(Senior Mentor)
“Rahul, CTC means "Cost to Company". It includes Employer PF (₹43,200/yr), Gratuity (₹36,000), and Income Tax TDS. Take-home is always lower than gross CTC.”
📌Vikram explains the hidden components separating gross CTC from liquid take-home pay.
#4Financial Enlightenment
Accurate Math
🎯
Rahul(Enlightened)
“Crystal clear now! Before accepting any job offer, I will calculate exact in-hand salary and tax slabs on fincalculator.in!”
📌Rahul now accurately budgets his monthly expenses and optimizes his tax regime choice.
💼
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