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Tax

Salary Breakup Calculator — Jaipur FY 2025-26

At the Jaipur (Rajasthan) average CTC of Rs 6.0L, a typical monthly salary breakup shows: Basic Rs 20,000, HRA Rs 8,000, EPF deduction Rs 2,400, Professional Tax Rs 0/month, and estimated TDS Rs 0— leaving approximately Rs 45,200/month in-hand (90% of CTC).

Verified Formula|Source: Income Tax Department, Government of India|Last verified: April 2026Methodology
₹
₹3.00 L₹5.00 Cr
%
20%60%
%
20%60%

Optimal basic is 40% of CTC for most salaried employees. HRA is typically 40-50% of basic salary.

Annual CTC

₹12.00 L

Monthly Take-Home

₹96,200

Annual Take-Home

₹11.54 L

CTC Composition

Detailed Salary Breakdown

ComponentMonthlyAnnual
Basic Salary₹40,000₹4,80,000
HRA₹20,000₹2,40,000
Special Allowance₹38,200₹4,58,400
Employer PF₹1,800₹21,600
Employee PF (deduction)₹1,800₹21,600
Professional Tax (deduction)₹200₹2,400
Net Take-Home₹96,200₹11,54,400

Salary Structure Optimisation for Jaipur Professionals — FY 2025-26

Understanding your salary breakup is the foundation of tax planning in Jaipur,Rajasthan. The gap between your CTC (Cost to Company) and your in-hand salary is determined by EPF contributions, professional tax, income tax TDS, and the proportion of taxable vs exempt allowances. For Jaipur professionals employed at companies like Infosys, Genpact, WNS, an optimally structured salary can increase monthly take-home by Rs 8,000–20,000 without any change in CTC. Rajasthan has zero professional tax — Jaipur professionals pay Rs 0/year vs Rs 2,500 in Mumbai. Jaipur is unique in India for having a gems and jewellery sector that accounts for 25% of its GDP — meaning a significant portion of high-net-worth wealth is held in physical gold and precious stones, not financial instruments.

Sample Monthly Salary Breakup: Rs 6.0L CTC in Jaipur

Below is a representative breakup for a Rs 6.0L CTC employee in Jaipur(Rs 50,000/month):

  • Basic Salary: Rs 20,000/month (40% of CTC — determines EPF, gratuity, HRA)
  • HRA (House Rent Allowance): Rs 8,000/month (40% of basic — exempt up to Rs 8,000/month if renting in Jaipur)
  • LTA (Leave Travel Allowance): Rs 1,600/month (exempt for actual travel, 2 journeys per 4-year block)
  • Special Allowance: Rs 15,600/month (fully taxable)
  • Employer EPF contribution: Rs 2,400/month (12% of basic — part of CTC, not received in hand)

Monthly deductions from salary:

  • Employee EPF: − Rs 2,400/month (12% of basic, goes to PF account)
  • Professional Tax (Rajasthan): − Rs 0/month (zero PT in Rajasthan)
  • Income Tax TDS: − Rs 0/month (estimated, old regime with full deductions)

Estimated in-hand salary: Rs 45,200/month (Rs 5,42,400/year) — approximately 90% of gross CTC.

Basic Salary: Lower Can Mean More Take-Home (But Less Retirement Corpus)

The proportion of basic salary in your CTC is the most consequential design choice. In Jaipur, most employers set basic at 40-50% of CTC. A higher basic salary:

  • Increases EPF contributions (12% employee + 12% employer of basic) — better retirement savings
  • Increases gratuity eligibility (15/26 × basic × years of service)
  • Increases the HRA component and therefore maximum HRA exemption
  • But also increases taxable income — since the HRA component only partially offsets the additional basic, net taxable income can be higher

For Jaipur professionals with EPF already maxed or who prefer higher liquidity over retirement savings, a lower basic (and higher special allowance) increases in-hand salary but reduces long-term corpus. At Rs 20,000/month basic, your annual EPF contribution (employee side only) is Rs 28,800, qualifying for Section 80C deduction in the old regime.

HRA Optimisation for Jaipur Renters

Renting in Jaipur at the typical Rs 12,000/month for a 2BHK in Vaishali Nagar or Mansarovar? Your HRA strategy:

  • HRA component in CTC should be at least 40% of basic (employers typically set it at 40-50%). At Rs 20,000/month basic, that is Rs 8,000/month minimum.
  • HRA exemption cap (40% (non-metro)): Condition 3 limits your exemption to Rs 8,000/month regardless of actual rent. Jaipur is non-metro for HRA — only 40% applies despite the city's size.
  • Rent receipts are mandatory: Submit monthly rent receipts + landlord PAN (if rent > Rs 8,333/month, i.e., Rs 1L/year) to your employer via Form 12BB.
  • Taxable HRA: Rs 0/month of your HRA (Rs 0/year) remains taxable even after claiming the maximum exemption at Jaipur rents.

Professional Tax: Jaipur's Rajasthan Schedule

Rajasthan (Jaipur) has zero professional tax. Your salary slip will show no PT deduction — you take home Rs 2,500/year more than a colleague on the same CTC in Mumbai (Maharashtra PT = Rs 2,500/year) or Bengaluru (Karnataka PT = Rs 2,400/year). This is a genuine take-home advantage for Jaipur professionals.

Flexible Benefit Plan (FBP): Tax-Smart Allowances in Jaipur

Many large Jaipur employers — particularly in the Tourism sector aroundMI Road / Tonk Road IT Corridor — offer a Flexible Benefit Plan (FBP) where employees can allocate a portion of their CTC to partially or fully tax-exempt allowances. This can increase in-hand salary without changing CTC:

  • Leave Travel Allowance (LTA): Up to Rs 19,200/year in your CTC can be tax-exempt for actual travel costs (economy air/train) within India. Claim available for 2 journeys in a 4-year block. LTA is only exempt under the old regime.
  • Meal coupons / food vouchers: Up to Rs 26,400/year (Rs 2,200/month) is tax-free. Popular among Jaipur's office-going workforce.
  • Telephone/internet reimbursement: Actual expenses for work-related calls and internet are tax-exempt. Especially relevant for Jaipur's WFH workforce.
  • Book and periodical allowance: Actual expenses reimbursed are tax-exempt — relevant for Jaipur's large professional services workforce.

Cost of Living Context: Jaipur's Real Purchasing Power

With a cost of living index of 50 (Mumbai = 100), the purchasing power of Rs 45,200/month in-hand in Jaipur is equivalent to approximately Rs 90,400/month in Mumbai real terms. Jaipur's gold and jewellery trade drives unique investment patterns — SGB (Sovereign Gold Bond) adoption is among the highest here, alongside growing SIP culture in the IT corridor.

Real estate in Jaipur — Ajmer Road and Sitapura IT zone led growth at 18% in FY2025 on new infrastructure investment. Vaishali Nagar premium held at Rs 5,000–7,000/sqft. Jagatpura and Tonk Road emerged as IT-worker affordable zones. Ring Road projects continue to expand investable zones. — means that your take-home salary should be viewed in the context of local rent-to-income ratio: at Rs 12,000/month for a 2BHK, housing consumes approximately 27% of estimated in-hand salary. This ratio is a key input in the rent-vs-buy decision forJaipur professionals.

Disclaimer

Salary breakup figures are estimates based on typical Jaipur compensation structures for FY 2025-26. Actual basic, HRA, and allowance ratios vary by employer, designation, and negotiation. EPF deductions may vary if the employer uses a salary cap for EPF purposes. Tax estimates use the old regime with full deductions as a benchmark. Consult your HR department and a tax advisor in Jaipur for your specific salary structure advice.

Frequently Asked Questions — Salary Breakup in Jaipur

What is the in-hand salary for a Rs 6.0L CTC in Jaipur?

At Rs 6.0L CTC in Jaipur (Rajasthan), estimated in-hand salary is approximately Rs 45,200/month (Rs 5,42,400/year). Key deductions: Employee EPF Rs 2,400/month (12% of basic Rs 20,000), Professional Tax Rs 0/month, and TDS approximately Rs 0/month (old regime with HRA + 80C + 80D deductions). Actual in-hand varies based on your tax regime choice, investment declarations, and employer-specific allowance structure.

How much HRA is tax-exempt if I rent in Jaipur?

At Jaipur rents of Rs 12,000/month and a basic salary of Rs 20,000/month, the exempt HRA is Rs 8,000/month (Rs 96,000/year). This is the minimum of: (A) HRA component Rs 8,000/month, (B) Rent − 10% basic = Rs 10,000/month, and (C) 40% (non-metro) of basic = Rs 8,000/month. The remaining Rs 0/month of HRA is taxable. Note: HRA exemption is only available under the old tax regime.

How does professional tax in Jaipur (Rajasthan) affect my take-home?

Rajasthan (Jaipur) has zero professional tax. Your take-home is not reduced by any PT — a saving of Rs 2,500/year compared to employees in Maharashtra, Karnataka, or Telangana on the same CTC. This is a genuine net take-home advantage that is often overlooked when comparing job offers across cities.

Should I negotiate for a higher basic or higher special allowance in Jaipur?

It depends on your priorities. Higher basic increases: EPF corpus (12% employer + 12% employee of basic), gratuity payout (15/26 × basic × years), and HRA exemption potential. Higher special allowance increases immediate take-home. For a Jaipurprofessional paying Rs 12,000/month rent, a higher basic also increases HRA exemption (Condition C: 40% (non-metro) of basic). At basic Rs 20,000/month, the Condition C cap is Rs 8,000/month — increasing basic by Rs 5,000 raises this cap by Rs 2,000/month, potentially saving Rs 4,800/year in income tax. Long-term financial planning in Jaipur generally favours a balanced approach — 40-45% basic, optimal HRA, and remaining as flexible allowances.

Jaipur's salary structure reflects the city's dual-economy nature — a growing IT and BPO sector that follows national CTC conventions, layered over a dominant government employment base (Rajasthan Secretariat, state departments, state universities, Rajasthan Police, PWD, state PSUs) whose salary architecture follows central government Pay Matrix norms. Understanding how these two ecosystems differ — and how Rajasthan's zero professional tax and unique sectoral mix affect take-home across both — is essential for any Jaipur professional benchmarking offers, planning career moves, or building a long-term financial plan. The IT/BPO sector at Mahindra World City SEZ and Sitapura Industrial Area deploys standard private sector CTC structures: basic at 40-48% of CTC, HRA at 40% of basic (correctly non-metro), FBP for food cards, internet, and LTA, variable pay at 10-15%. The government sector uses the 7th Pay Commission matrix with fixed basic, grade pay, and a predictable annual increment at 3%. Between these two: the pharmaceutical and textile sector in Jaipur (Alembic, JK Laxmipat, Rajasthan Drugs & Pharmaceuticals, various handloom exporters) uses a hybrid structure with sometimes higher basic ratios but lower variable pay and less FBP flexibility. Rajasthan's zero PT means every Jaipur professional's monthly take-home is Rs 200-250 higher than a Bengaluru or Pune equivalent at identical gross salary — a small but real advantage that compounds to Rs 50,000+ over a career at 12% CAGR.

Key Insight — Jaipur

The FBP (Flexible Benefit Plan) optimisation at Jaipur's private IT companies offers Rs 18,720 annual additional take-home through three standard components: (1) Food/meal card: Rs 2,200/month = Rs 26,400/year — exempt from tax under Section 17(2)(viii). Tax saving at 5% slab: Rs 1,386 (modest, but the entire Rs 26,400 flows tax-free). (2) Internet allowance: Rs 1,500/month = Rs 18,000/year — fully exempt for actual internet expenses. Tax saving: Rs 945. (3) LTA (Leave Travel Allowance): Rs 25,000 per claim, claimed twice per 4-year block = Rs 12,500/year effective. Exempt for actual travel to any place in India by shortest rail route. Total annual FBP saving: Rs 2,331 at 5% slab rate, Rs 9,324 at 20% slab rate. At Jaipur's Rs 8L CTC with zero income tax, the FBP saving on tax is minimal — the real value is the Rs 44,400 (food + internet) received tax-free as cash equivalent, reducing out-of-pocket expenses on meals and internet without any tax on this portion. The FBP optimisation is more significant as salary grows into the 20% or 30% slab.

Jaipur's Financial Context and Salary Breakup Calculator

Standard IT services (WNS/Wipro BPO Jaipur) at Rs 8L CTC: basic Rs 3,20,000 (40%), HRA Rs 1,28,000 (40% of basic — correctly non-metro), special allowance Rs 1,28,000, food card Rs 26,400, internet Rs 18,000, variable Rs 80,000 (10%, annual in March). Annual fixed cash: Rs 3,20,000+Rs 1,28,000+Rs 1,28,000+Rs 26,400+Rs 18,000 = Rs 6,20,400 ÷ 12 = Rs 51,700/month gross fixed cash. EPF employee Rs 1,536 (12% of Rs 12,800/month basic, if EPFO ceiling-based: Rs 1,800). Income tax new regime: Rs 0 (87A covers). PT: Rs 0. Take-home fixed: Rs 51,700 - Rs 1,600 (EPF) = Rs 50,100. Average monthly with variable (March): Rs 50,100 × 11/12 + (Rs 50,100 + Rs 80,000 × 0.7)/12 = Rs 50,100 × 0.917 + Rs 55,667 × 0.083 = Rs 45,942 + Rs 4,620 = Rs 50,562/month annual average. Government employee (Rs 8L CTC approximate through 7th PC): basic Rs 30,000/month + Grade Pay (merged into pay matrix level), DA at 50% (as of early 2025 DA revision) = total Rs 45,000. HRA at 8% (Class Y city — Jaipur) = Rs 2,400/month. TA: Rs 3,600. Gross: Rs 51,000. Less: GPF Rs 3,600, NPS Rs 4,500, CGHS Rs 500, IT Rs 0. Take-home: approximately Rs 42,400 — lower than private sector at similar nominal CTC due to mandatory GPF/NPS deductions building forced savings.

IT Services vs BPO vs Government — Jaipur's Three-Tier Salary Architecture Compared

Jaipur's employment landscape divides professionals into three distinct salary architectures that produce markedly different take-homes even at similar CTC levels. Architecture 1 — IT Services (Mahindra World City: KPIT, iEnergizer, Quess Corp, WNS technical): slightly above-average basic (40-45%), explicit HRA correctly at non-metro 40%, FBP flexibility, annual variable pay. At Rs 8L CTC: Rs 50,100 fixed monthly take-home + Rs 6,667 monthly variable equivalent. Architecture 2 — BPO/ITES (Wipro BPO Sitapura, Firstsource, 24/7 Customer): typically lower basic (35-40%), smaller HRA denominator (but still non-metro 40%), shift allowance Rs 2,000-5,000/month (taxable but meaningful), night shift premium Rs 1,500-3,000/month (taxable), less structured FBP. At Rs 8L CTC with shift allowance: similar fixed take-home but with taxable shift components that increase gross cash without tax benefit. Night shift premium is fully taxable — unlike the exempt FBP components at IT services companies. Architecture 3 — Government/State PSU (Rajasthan Rajya Vidyut Prasaran Nigam, RIICO, Rajasthan Housing Board): 7th Pay Commission pay matrix level determines basic. Rajasthan state employees' DA revision follows central government timing (every 6 months: January and July) at central DA rates currently, plus state-specific allowances. Rajasthan has historically announced higher DA revisions for state employees at election years. Take-home at comparable 'CTC': lower cash but higher GPF accumulation and pension certainty (for pre-2004 employees) or NPS accumulation (post-2004). The net lifetime wealth comparison requires factoring in: guaranteed pension value (pre-2004), NPS market-linked corpus (post-2004), lower variable risk vs BPO performance-linked pay uncertainty, and job security premium. For a Rs 8L CTC comparison at age 30: private IT take-home Rs 50,100/month (higher flexibility, higher risk); government take-home Rs 42,400/month (lower cash, but Rs 7,700/month going to GPF/NPS building locked wealth). After 25 years: GPF/NPS corpus at Rs 7,700/month at 7-8% (GPF) or 10-12% (NPS equity) could be Rs 60-90 lakh — partially offsetting the monthly cash shortfall.

Jaipur Gem and Jewellery Sector Salary — Cash Components and Formal Employment

Jaipur's gem and jewellery export sector — the second largest in India after Surat, employing over 3 lakh people in cutting, polishing, jewellery making, and export coordination — has a salary structure that straddles formal and informal employment in ways unique to Rajasthan's artisan economy. For IT professionals at Jaipur's emerging tech services companies (Vaibhav Global's technology operations, SBI Card's Jaipur operations, RBL Bank's Jaipur back-office), standard private sector salary architecture applies. But for professionals in the gem export houses (Siddharth Gems, many Sitapura EPIP export companies) in administrative, finance, or technology roles, the salary often has characteristics that IT-trained professionals find unusual: higher cash-in-hand component: some gem sector employers structure salaries with higher special allowances paid partly in cash (not bank transfer), creating a formal-informal income split that complicates ITR filing. Skilled gem cutters in formal employment receive: basic Rs 12,000-18,000/month, production incentive Rs 5,000-15,000 (paid cash or informally in many units), export performance bonus (paid annually, sometimes in USD converted). For the salaried professional (CA, HR manager, quality manager) at gem companies: structure is usually more formal — but the culture of discretionary cash payments for performance may persist. Tax implication: all income received, regardless of cash or bank transfer, is taxable. Cash salary cannot be excluded from ITR. If your gem sector employer's cash payments appear to be below the Rs 10,000/day threshold for mandatory digital transactions (per GST regulations), the individual employee still has full ITR reporting obligation on total cash receipts. Rajasthan's gem sector has faced GST compliance scrutiny — employment in formal gem export units should be verified through EPFO registration (check EPFO Unified Portal) before accepting offers, as informal employment disqualifies EPFO coverage and the social security it provides.

More Questions — Salary Breakup Calculator in Jaipur

I got an offer from a startup at Jaipur IT Park for Rs 9L CTC with Rs 2L ESOPs. How do I evaluate the total compensation?

ESOPs (Employee Stock Option Plans) at Jaipur IT Park startups — emerging companies in Rajasthan's startup ecosystem (backed by iStart Rajasthan government initiative) — should be evaluated very conservatively at the offer stage. The ESOP evaluation framework: (1) Vesting schedule: typically 1-year cliff then monthly or quarterly over 4 years. Rs 2L ESOP vesting over 4 years = Rs 50,000/year gross (before tax). (2) Strike price vs current FMV: if strike price equals current FMV, the options have zero intrinsic value today — only time value. If FMV is higher, there is in-the-money value. Request the most recent valuation report (409A equivalent in Indian context — SEBI-registered valuer). (3) Liquidity event: when will you be able to sell? Most Jaipur startups are years away from IPO. ESOP value is illiquid until that event. (4) Tax: on vesting, ESOP value (FMV minus strike price) is treated as perquisite — taxable as salary income in the vesting year. On sale, subsequent gains are capital gains (LTCG if held 24+ months post-allotment). Practical evaluation: treat the Rs 2L ESOP as zero in your current financial planning. Base your lifestyle, SIP, and home loan decisions entirely on the Rs 9L salary CTC. If the ESOPs eventually have value at a liquidity event, treat it as a bonus windfall to accelerate specific financial goals. Never increase fixed monthly expenses (EMI, SIP amount) based on ESOP paper value.

Rajasthan has many cooperative banks offering 9% FD interest. Should I put my emergency fund there instead of savings bank?

Emergency fund in cooperative banks requires careful risk assessment specific to Rajasthan's cooperative sector. The Rajasthan cooperative bank landscape is heterogeneous: DCCBs (District Central Cooperative Banks) under NABARD oversight and RBI licensing have reasonable safety (DICGC insured up to Rs 5 lakh). PACS (Primary Agricultural Credit Societies) — smaller, rural-focused — are not DICGC insured and have faced solvency issues in several Rajasthan districts. Urban cooperative credit societies (not cooperative banks) are regulated by the Registrar of Cooperative Societies, not RBI, and have NO DICGC insurance — highest risk category. For emergency fund purposes: safety is paramount. The 9% vs 7% FD interest differential (Rs 3,600/year on Rs 1.8L emergency fund = 6 months of Rs 30,000 expenses) is not worth risking emergency fund access in a financial crisis. Recommendation: keep emergency fund in high-quality liquid mutual fund (parag parikh liquid fund, HDFC liquid fund) or a scheduled commercial bank savings account or FD. After 6-month emergency fund is secured, additional savings can be placed in DICGC-covered cooperative bank FDs for the higher interest — but treat this as investment, not emergency reserve.

My Jaipur company processes payroll from Gurgaon HQ. Will they deduct Haryana professional tax or Rajasthan (zero) on my salary?

Professional tax is levied based on the employee's place of work (state where employment services are rendered), not the employer's headquarters. Since you work in Jaipur (Rajasthan), Rajasthan's zero PT applies — regardless of whether your company's payroll is processed in Gurgaon, Mumbai, or Bengaluru. Professional tax is a state-level employment tax on the employer for employing persons in that state; the employer deducts it from employee salary on behalf of the state government. Your Jaipur employer (even if Gurgaon HQ) has its own Rajasthan Professional Tax registration through the Commercial Tax Department, Rajasthan — and since Rajasthan levies no PT, there is nothing to deduct or register for. If your Gurgaon-headquartered employer is incorrectly deducting Haryana PT (Rs 2,400/year) from your Jaipur salary: this is an error. Raise with HR citing your work location as Rajasthan. Request a corrected salary statement and refund of incorrectly deducted PT. This is a common payroll error for companies expanding from Delhi-NCR to Rajasthan operations.

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