How much in hand for this?

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Tax would be 18-19k per month. Your take home would be 1.10lakh post tax and pf deduction.

You can contact me at 7019194829 for investment and tax planning

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My question is will I get allowances as in hand if I don't provide the bill or will I lose it?

You’ll be paid the amount; payouts would depend on your declaration and submission of bills.

It’s just that - for the allowance amount which *would not* have accompanying bills you’ll receive the money after Tax deduction.

For the allowance amt. backed with bills, you’ll save taxes on it.

Around 1.1 L per month

127827 before tax.
Tax will be around 14k

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