Hi folks, hoping someone can help me out. I got an offer from IBM India and I saw that there are two components in the salary. The reference salary and the retirals.

Is the retirals part of my CTC? Will the PF deduction be part of that or will the PF be deducted from the reference salary?

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yes, Retirals are part of CTC

Employer PF will not affect the salary... But the same amount is deducted from your gross salary as employees pf contribution.

PF deduction mentioned in retirals is employer contribution.
Employee contribution will be from reference salary

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