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Speak with the HR, I believe this is SDC.
You can speak with the HR, she will assure you that this is just to save tax and is their recommended structure.
You can and should opt for restructuring. They will happily do that.
Restructuring for NPS but i donno what is NPS here
I believe this is from one of the PwC ACs.
NPS is voluntary. If you opt out, tax will be applied on the particular amount.
Yeah, if you opt for NPS, you won't get it in monthly in hand.
If you don't opt for NPS, you'll get that amount in hand with tax cuts.
National pension scheme.
I believe your in hand should be close to 1lPM, you just need to restructure items.
Ohh .. should i get this NPS removed??
I would suggest that, you can do it after you join.
It's a hassle free process.
Basically, this is to save tax. An individual can claim additional tax benefits by applying for NPS.
However it's not a mandate.
I understand this is slightly confusing to see this on your offer letter.
But don't worry, it's just a proposed salary structure.