My CTC is 4 Lakhs ,Fixed component is 3.20 Lakhs and Variable component is 80 thousand. PF which will be deducted from Fixed component(3.20L) is shown as 19200. Income tax is 200/month. I was supposed to be receiving 25k but it came down to 23.5k because HR told me that PF will be deducted twice from my fixed component. ie. 1600*2 = 3200.