Take-home pay (known as in-hand salary in India) is the net salary after deducting income tax (TDS - tax deducted at source in India) and other deductions, from the gross monthly pay. Calculate carefully to make a decision of accepting the new job offer or not by looking at your monthly in-hand earnings and deductions. Do not just look at the figure of CTC as there could many components that may be misleading and may NOT form part of your monthly take-home.