Fishes, can anybody tell what will be the take home salary if CTC is 12 lpa in KPMG Global services?

Basic : 50k per month
PF : 6k per month
Flexible compensation: 44k

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Around 81k per month before tax deduction

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HCL -
Fix -   1,156,500
Variable - 107,200
Total CTC - 1,340,006

EXL -
Fix - 1,100,000
Var - 1,650,000
CTC - 1,345,000 + 50 K Joining bonus.

Which offer is good and which company should i join.

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