I received offer from kyndryl. What is the in hand salary on the CTC 23.5 LPA? Can someone help me on this.

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Posting as :
works at
You are currently posting as works at

Your monthly salary will be 195833/-
Gross salary 182667/- (after deduction epf+gratuity)
In hand salary 163563/- ( after deduction income tax)

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What would be the inhand sal. for below structure.

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What should be the approx in hand?
CTC: 14lpa
Fixed: 12.8lpa, Variable: 1.2lpa
80c: 1.5L
Std Deduction: 50K

Apart from this, also let me know how else I can save tax.
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