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Sirf in hand dene me hi theek hai zs baaki all perks (pf, health insurance etc) sab bekaar hai
ZS doesn't care bruh. Pantry mei khana nhi rkh skte sufficient yeh sab toh dur ki baat hai.
Gone are the days when ZS used to be employee centric.
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Pta h, there is one famous floor jaha ke log khane par janglliyo ki tarah pagal hojaye h
Insurance to bhai ZS se better koi na de raha
And the only difference is you get more in-hand salary and less PF. With the same salary (CTC) elsewhere, in-hand in very less.
So, it’s about what you want, more in-hand and investment yourself, or more PF and steady 7-8% CAGR
And btw, 1800 PF is for the folks who joined ZS after Jan 2019. Anyone joined before that has 12% of basic to PF.
I got a 10 lakhs top up and had to pay about 8-9k as my yearly premium (top up is paid by the employee) which was deducted from my salary across two months. I think this is a great deal - especially if you have older parents and external insurance plans would have come with significantly higher premiums