In-Hand Salary vs CTC Explained — Why Your First Payslip Feels Smaller (2026 Guide)
In-hand salary vs CTC is the question that lands in my WhatsApp inbox every single week, usually with a screenshot attached. The screenshot is always the same story. A student got an offer letter that says ₹6 LPA. They did the maths in their head — ₹6 lakh divided by 12, so around ₹50,000 a…