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Please help me with the in hand salary

Can anyone answer this.

Anyone looking for a mid/senior art director?
I’m currently working in Citi as an AVP in Mumbai for the past 9 months.. due to personal reasons I wanted to move back to Pune (I have worked in Pune for last 8 years before coming to Citi) so I landed up with an offer from HSBC into Wholesale IT (GCB5).
My current Fixed CTC in Citi is 26.5 excluding PF and Retrials and HSBC IT has offered me 30.5 for the same and said they cannot increase further as am moving jobs in after 9 months which is too early..
Questions -
Have I been low balled?
Additional Posts in Washington, DC
Is the DC DMV finally open? 👀
Any recommendations on therapists in NOVA?
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Outside of DC... Montgomery or fairfax county
I pay $2300 for a 3 bedroom in Baileys Crossroads (border of Alexandria/Falls Church). For reference it took me 35 mins driving to get into downtown today.
Looking for a studio? Roommates?
Thank you✨
Arlington off Columbia Pike. But doesn't have a dishwasher or washer/dryer.
I love in Alexandria 2 bedroom 2 bath for 1600. 24 he gym, pool and laundry. and if you work remote often 2 business lounges.