Cognizant GenC salary breakdown
| Item | Per year | Per month |
|---|---|---|
| CTC | ₹4,00,000 | ₹33,333 |
| Employer PF (inside CTC, not paid to you) | − ₹24,000 | − ₹2,000 |
| Gratuity (inside CTC, paid later when you leave) | − ₹9,620 | − ₹802 |
| Gross salary | ₹3,66,380 | ₹30,532 |
| Your PF | − ₹24,000 | − ₹2,000 |
| Professional tax | − ₹2,400 | − ₹200 |
| Income tax and cess (FY 2026-27) | − ₹0 | − ₹0 |
| In-hand salary | ₹3,39,980 | ₹28,332 |
How your offer letter changes it
Companies split the same CTC differently. Monthly in-hand pay for Cognizant GenC under each change, with everything else at the defaults:
| Common defaults (above) | ₹28,332 |
| PF capped at ₹1,800 a month | ₹28,732 |
| Gratuity not part of CTC | ₹29,133 |
| Basic pay 40% of CTC (structure used before the Labour Codes) | ₹29,292 |
| 10% of CTC is yearly variable pay (regular monthly credit) | ₹24,998 |
Where the package figure comes from
Questions
What is the Cognizant GenC in-hand salary per month?
About ₹28,332 a month in FY 2026-27 on a CTC of 4 LPA, with the common defaults on this page. Your actual credit depends on how Cognizant splits the CTC.
What is the Cognizant GenC salary package?
Cognizant brochures for the 2024 and 2025 batches listed GenC at ₹4 LPA, as reported by Talentd. Packages change between drives and years, so check your offer letter.
How much PF is deducted from the Cognizant GenC salary?
With PF at 12% of a basic pay of 50% of CTC, your share is about ₹2,000 a month, and the employer adds the same amount inside your CTC. If PF is capped at the ₹15,000 wage ceiling, each share is ₹1,800 a month and in-hand pay is about ₹28,732.
Is there income tax on the Cognizant GenC salary?
None under the new regime: taxable income stays under ₹12 lakh after the ₹75,000 standard deduction.
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