Founder Explains How Rs 36 Lakh Job Can Beat Rs 62 LPA Tech Salary In Take-Home Pay: ‘Tax Structure Matters More Than…’

An Indian entrepreneur has sparked debate after comparing two very different salary setups, showing how a lower-paying role can sometimes leave more cash in hand each month.

He explained that while one person earns Rs 62 LPA at a top tech firm, another making Rs 36 lakh remotely may actually take home more money due to how their income is structured.

Founder Compares Two Salary Setups

The discussion began when Devaansh Bhandari shared an example of two friends with very different pay structures. One works at a big tech company with a Rs 62 lakh annual package, while the other works remotely as a contractor earning around Rs 36 lakh a year.

On paper, the tech job looks far better. But Bhandari pointed out that the actual money received each month

tells a different story. He said the person with the higher package does not get most of that amount as direct cash.

According to him, the Google employee takes home around Rs 1.5 to Rs 1.8 lakh every month. In comparison, the remote contractor receives about Rs 2.7 to Rs 2.9 lakh monthly, despite having a lower annual figure.

How The Salary Is Divided

Bhandari explained that large companies often split salaries into different parts. A big portion comes in the form of stocks and bonuses, not direct income.

In this case, out of Rs 62 lakh, only about Rs 22 lakh is fixed salary. Around Rs 35 lakh is given as stocks over several years, and Rs 5 lakh is counted as bonus. This means the usable yearly income is much lower than it first appears.

He also noted that stock-based pay cannot be used immediately. It depends on when the shares are given and sold. Because of this, the monthly cash flow stays limited even with a high package.

My friend has a ₹62L CTC at Google.
Another friend is a Remote Contractor making ~₹36L ($38k).

On paper → almost 2x higher compensation (₹62L vs ₹36L)
In the bank → Remote dev wins by a mile.

Here’s the math 👇

— Devaansh Bhandari (@ThisIsBhandari) May 6, 2026

Tax Rules Change The Outcome

The remote contractor’s income works differently. Most of the Rs 36 lakh comes as direct payment, without being split into multiple parts.

Bhandari highlighted a tax benefit under Section 44ADA. Under this rule, only part of the income is taxed, which lowers the total tax amount. Because of this, the contractor ends up paying much less tax overall. This allows them to keep more money each month compared to someone with a higher salary on paper.

The post led to many discussions online, with people sharing their own views on salaries and take-home pay. Some users pointed out that working remotely can also reduce living costs. “Also on site job are in big cities (like Bangalore) where cost of living is also high. Remotely you can work from your hometown, which is low cost (no rent, own home, no food cost),” a user noted.

Others raised questions about benefits and stability. “That’s only part of the equation. What about taxes, healthcare benefits, and job security?” another asked.

“Nice to know about this section, thanks for the information,” a user added.