Hello Aspirant,

See 3.6 LPA is CTC offered to you by the company, which means that your cost to company is 3.6 Lakh per Annum but in-hand salary is always less than thr CTC, because CTC includes all types of amount that are to be paid to you, which includes, PF, allowances, other type of charges and so on so after deducting all such amounts from CTC whatever remains is your in-hand salary.

I hope you got the point.

Good Luck!!!