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A lot of new entrants in the job market have little idea about how salaries are structured. Broadly, while CTC includes fixed and variable and then there are mandatory deductibles like gratuity, PF, PT etc. While you may not be able to negotiate in your first job due to lack of experience and awareness but it is advisable to negotiate for a higher take-home salary and a lower variable portion while switching jobs. Understanding which salary components work for you early on can help you maximize your monthly take home income.