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What will be inhand salary?

Can anyone help me understand this better?

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What will be the in-hand for this offer?

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PF will always be a part of your fixed CTC.
Rest you can say other benefits which will include your well being to boost your CTC.
Retirals are considered within fixed pay only. If there is any variable like performance bonus something you can exclude.. to HR mention like overall CTC is so n so and fixed is so n so