Please Help: PF Is Cutting From In-hand Salary Offered.

Hello friends,
I\'ve joined a BPO last month. They\'ve offered me the in-hand salary of 20K. But when I got the salary, the 12% PF were also cut down from the basic salary and eventually, the changes has been reflected on my In-hand salary offered.
I\'m puzzled. I was on the impression that, the in-hand salary is the salary offered after every cut off allowances and expenses..
Kindly help me understand, my dear friends.

CTC - cost to company includes everything so they did it right and this is the practice across industry !

Dear Anish,
There are two component of PF, employee and employer contribution. Employer's contribution is a part of the CTC whereas employee's contribution is deducted from the salary. Please understand that the deducted money is indeed your salary which is invested by the company and you earn an annual interest on the cumulative saving of your and company's share.
I hope that suffice your query. You should have worried incase the employer's share was deducted from salary.

Dear Anish,
As per the law, 12% PF is deducted from basic salary and other 12% is paid by the Employer (the company you work for).
So when you were offered the package and the gross monthly amount, it is self understood that PF and Professional Tax(PT) will be deducted and the the amount after deduction will be your net take take home salary.
Assuming that you must be aware of the structure and the deductions since you did not ask them, your employer must have not informed you.

Whatever salary they offered you that was not in hand. It could be Gross. then after deduction made and less than 20 K has come in your hand.