Finance
Salary structure, provident fund, gratuity and the parts of Indian personal finance that are easy to misread.
- How CTC Becomes In-Hand SalaryCTC is what you cost your employer. In-hand is what reaches your account. Here is exactly what sits between the two.3 min read · Updated 9 August 2026
- How PF Is Calculated From Your SalaryProvident fund is 12% of basic plus DA from each side — but the two halves are not treated the same, and the ₹15,000 ceiling changes the picture considerably.3 min read · Updated 9 August 2026
- How Gratuity Is Calculated in IndiaGratuity is fifteen days of basic pay for every completed year, on a twenty-six day month. The details around that formula decide how much you actually get.3 min read · Updated 9 August 2026
- How to Read Your Salary SlipA payslip has two columns and about a dozen lines. Knowing which are yours, which are the government’s and which are neither takes ten minutes to learn.2 min read · Updated 9 August 2026