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In commercial salary is very poor in terms of work load. Till you are going out for better prospect company will not throw you out. CTC what will negotiated by HR, will never match with salary. The hidden part is performance incentive. Even when branch will achieve more than 80% of branch target, co. will keep about PI. At least there is a difference Rs. 4-5 k per month between CTC Vs take home pay.
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