CTC Structuring & Salary Optimisation
How a salary is structured — not just its size — decides how much of it your employees actually keep, and how much compliance the structure creates. Thoughtful CTC design improves take-home pay at no extra cost to the company, which is a real retention lever.
With the Income-tax Act, 2025 and the default new regime reshaping which allowances still help, salary structures need a fresh look rather than last year's template.
Key features and requirements
- Balancing fixed pay, allowances and perquisites tax-efficiently
- Aligning structure with the new (default) vs old regime for employees
- Retirement and benefit components (PF, NPS, gratuity)
- Reimbursements and flexible-benefit components
- Employer-side cost and compliance implications
- Consistency with payroll and TDS treatment
How TaxSastra handles this
We design salary structures that maximise employee take-home within the current tax law, keep the company’s costs and compliance clean, and slot straight into payroll.
What’s included
- CTC design and salary structuring
- Regime-aware optimisation for employees
- Allowance and perquisite structuring
- Retirement/benefit component design
- Alignment with payroll and TDS
- Advisory on the Income-tax Act, 2025 impact