Bangalore: There are many differences between salary system in India and the other countries. There are many things that NRI, who are returning to India, should know about the salary system in India, reports Deepa Venkatraghvan of Times of India. Salaries in India are referred in terms of cost to company (CTC). CTC is important because a lot of components of employees' CTC may not translate into actual take-home cash every month. Here are few things that NRI should know about Indian salary Certain components of CTC may not be cash components A company may improve your CTC with components that don't really translate into month-end cash or that may have just a notional component. For example, banks may include interest subsidies in CTC and if one is a bank employee, he is allowed for a discounted rate on loans. The provident fund of the employee is also included in CTC which is not a part of the salary. Employee will get it only at the time of resign or retire.