What is in hand salary in IBM if CTC is 19.5 LPA including retrials

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Do calculations like 1 lakh + 5000 for each 1 lakh addition in your fixed CTC.In your case it's 4.5 lakh means 22.5 k i.e. total 1.225 lakh after taxes. Its a rough calculations for more details you can contact your HR. he/she will tell the exact in hand salary.

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