raj,
this is what is written on the site :
"It is important to note that not all income will be considered. Unearned income such as dividends from investments (unless a company in which you are active in day to day management), Property rental income, and interest on savings or funds received through an inheritance are not used when calculating your income.
In addition, earnings that have not been declared to the appropriate authorities will not be accepted when calculating your income"
they don't consider anything which you do not declare in the tax. PF(from employer side), interest on PF and medical are never declared for Itax.
you can refer to this site
http://www.britainusa.com/visas/HSMP.asp
whatever we say are based on either personnal exp. or by refering other posts in the forum."This information is not a complete statement of the law. " This is said by HO website. This is also applicable here.
There are too many consultants now a days who help you in your visa processing. You can consult them for free. refer to
www.workpermit.com
all the best.