I got offer from TCS.They have given me C2 band. What could be in hand salary for 18 lpa?Please help to understand the salary breakup.
Thank you

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Health insurance shouldn't be included in Ctc. Also the basic pay is way too less. Consider revising the salary breakup

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Ran your TCS C2 structure on in-hand.in — ₹18L CTC, basic ₹3.24L absolute, EPF+ OFF.
With 100% performance pay: take-home ~₹1,31,427/month.
The real concern isn't the take-home — it's the 18% basic. Your EPF contribution is only ₹3,240/month vs ₹7,200 if basic were 40%. That's a ₹50L+ difference in retirement corpus over 20 years.
TCS's low basic structure is legal but costs you significantly in the long run.
Also note — your ₹1,48,973 'Total Gross' includes gratuity (₹1,299) and health insurance (₹1,027) which are never paid monthly. Real gross is ₹1,46,647

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Thanks for sharing, will try to get it restructure

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1.15L after tax

They’ve shown you 18 LPA on paper, but the actual take-home is much lower. In my case, I have 16 LPA fixed with 50% basic (₹8 LPA), whereas yours is only ₹3.25 LPA. You should try to get your basic increased, as many benefits depend on it.

No

I’m also got offer from TCS with 20lpa.Have lower basic salary(3.6l) and included health insurance. I accepted the offer. Will they change the salary breakup now? And what could be in hand salary?Thank you

They won't change as it's the standard structure for everyone.

Did they restructure it ?

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