Your Salary Isn’t What You Think — Here’s the Truth. Many employees in India receive their salary and feel confused — the amount credited to their bank account is often lower than expected. Even when the Cost to Company (CTC) looks attractive, the actual take-home salary feels disappointing. If you’re wondering why your in-hand salary is low, the answer lies in salary structure, Provident Fund (PF), Employee State Insurance (ESI), and how your compensation is designed. This g