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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Ctc means cost to company. So obviously it includes everything.

Employee part of pf will be deducted from your ARS, employers part will be from retirals

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