Guys is it good to join for grade 28 with optum for the below salary

45L fixed + 20%bonus + Employer PF

Is bonus paid 100% everytime??

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Fixed is nice but the bonus isn't paid 100% all the time. it depends on performance, product health and company. It would probably be in the range 80-100% .
Yoe and tech stack?

YOE 12
Tech stack : Python backend developer

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What is your CCTC?

How many switches? Can you please describe your switch ladder that help reach this salary?Also, any tips would be great.

Yupp go ahead thats a good offer !

It is good, bonus for average rating will be 80% to 100%

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