I have an offer of fixed 10.3 lpa from EY. What can be the expected monthly net pay?

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From 1030000, the PF deduction would be 98,880 (employer+ employee).
Considering you invest only in 80C and doesn’t pay rent, 71,250 would be the tax deduction.
Remaining 8,59,870 would be annual in-hand.
So, monthly in-hand would be around 71,650.

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