Offer letter and CTC decoder
What this means, checked by a CA
CTC is not in-hand. We show your real monthly in-hand, what's deferred, what's variable, and what to ask before you sign.
This is an add-on. Add it to the main plan
Your Savvy is a verified professional. Every paid answer is checked by a CA. Free AI answers are labelled until a CA verifies them.
Answers on this topic
- Vivad se Vishwas: when the government offers an exitVivad se Vishwas (literally "from dispute to trust") is a settlement scheme where taxpayers with pending appeals can settle by paying a percentage of the disputed tax…
- RBI Floating Rate Savings Bonds: when to choose over SCSSRBI Floating Rate Savings Bonds offer a rate that tracks NSC + 0.35%, currently 8.05% p.a. Reset every 6 months. 7-year tenure. No maximum deposit limit, unlike SCSS w…
- PMVVY (PM Vaya Vandana): deferred annuity from LIC for 60+PMVVY was a govt-backed LIC annuity scheme offering guaranteed 7.4% return for 10 years for senior citizens. As of 2023, PMVVY's new subscription period closed, but ex…
- NPS Tier 1: 80CCD(1B) ₹50K Extra + Sec 124 (old 80CCD(2)) EmployerNPS gives you TWO deductions unavailable from any other source: ₹50K extra over the Sec 123, Income-tax Act 2025 (old Sec 80C) limit via 80CCD(1B), and employer contri…
- MSME Loan: Eligibility, Documentation, and the ProcessThe most accessible formal loan for Indian small businesses. MSME classification under Udyam determines eligibility for lower interest rates, priority sector lending,…