32.1 fixed . Only PF included in this from Retirals part .

How much in band expected?

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Use www-in-hand.in and ensure you are picking the correct EPF option ... If you consider the Employer's EPF as a part of the CTC, the in hand will be lower. Also double check if the EPF is 12% or just 1.8K per month

Yeah. The website gives you both options.

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