Find your monthly in-hand salary from your annual CTC.
The full CTC breakdown is calculated first, then the annual take-home is divided by 12.
Monthly in-hand: Annual take-home ÷ 12
Why is my in-hand salary lower than CTC divided by 12?
CTC includes employer costs that never reach you. On top of that, your own PF and tax are also taken out before you receive your salary.