2. Understand the Full Offer, Not Just the Base
In India, your CTC includes base salary, allowances (HRA, LTA), bonuses, PF (Provident Fund), gratuity, insurance, and stock options (if any). Focus on the in-hand salary and total benefits. Ask for a breakdown if unclear. Sometimes a lower CTC with better perks (like remote work, learning budget, or stock) is more valuable.