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Jan 2026
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ITJobNotify Team
3.5 LPA vs 5 LPA vs 8 LPA: Actual In-Hand Salary Explained
Know what you really get after PF, tax, and deductions as a fresher.
SalaryFreshersCTC Explained
Estimated reading time: 5
Actual In-Hand Salary for Freshers (2026)
CTC looks attractive — in-hand salary tells the truth.
Typical Deductions
- PF (12%)
- Professional tax
- Income tax
- Insurance
Real In-Hand Breakdown
- 3.5 LPA → ~22–24k/month
- 5 LPA → ~32–35k/month
- 8 LPA → ~50–55k/month
Smart Salary Tips
- Negotiate fixed pay
- Ask for joining bonus
- Understand CTC structure
Learning Resources
- Tax Basics → https://www.incometax.gov.in/
- Salary Calculator → https://cleartax.in/
Read time: ~5 minutes
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