It doesn’t look like a mistake.
It looks like stability.
You stay in the same company.
You deliver consistently.
You wait for the next appraisal cycle.
And every year you tell yourself:
“Next year will be better.”
But here’s what quietly happens in the market.
Your salary grows at 8–10% internally.
The market adjusts roles at 25–40%.
So if you’re earning ₹40 LPA, the market might already be paying ₹60–65 LPA for someone with your experience.
That ₹20–25L gap is what I call the Loyalty Tax.
Not because loyalty is wrong.
But because loyalty without leverage becomes expensive.
Over time it adds up:
₹25L a year
₹1 crore in four years
And the hardest part?
The most sincere, hardworking employees are the ones who pay this tax the longest.
Companies optimize for budgets.
You must optimize for market value.
This doesn’t mean you should leave immediately.
But it does mean you should ask yourself one honest question:
Do you know what the market would pay you today, or are you guessing?
Most professionals realize this gap years too late. If you don’t want that to be you, book a call with Amit and course-correct now.
BOOK A CALL WITH AMIT 👇