text: Hi. CTC as the name suggests is your total cost to company when you are employed. It means every single rupee the company spends on you is accounted here, including stututary obligations like the company's contribution to your PF and gratuity etc. Obviously cash in hand will be much lower. Whether 60-70% depends on what are the components of your CTC. The higher you grow up the corporate ladder the fringe benefits keep growing but the take home will not keep pace at the same rate. Some components of your CTC do attract fringe benefit tax.