How will take-home salary change from April under new labour codes?

New labour codes effective April 2026 redefine wages, mandating basic pay + DA be at least 50% of CTC. This raises EPF contributions, slightly reducing monthly take-home pay. For a ₹20 lakh CTC, in-hand salary may drop by ₹1,900/month. However, higher PF and gratuity boost long-term retirement savings, making it a short-term dip for long-term financial gain.