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Hello guys, I have below offers:
T-system : 27 LPA fixed ( 2 days a week WFO mandatory from DOJ)
Tech Mahindra : 26 LPA ( including 10% variable ) + 1lakh JB ( WFH for now)
Which one is good for better opportunity and WLB.
SAP ABAP on Hana .YOE: 7 yrs
T-Systems ICT India Pvt. Ltd. Tech Mahindra
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Thoughts??
Also, what do you prefer WFH or WFO?

Off Topic : 1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement? Tata Consultancy Infosys Mindtree IBM Wipro Capgemini Cognizant HCL Technologies
Level 9 average salary?
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Which tech bro what is the job title ?
13-16 should be fine
Don't join with such lower ctc. Either ask for more or simply move on...Hsbc has been low balling because people like you are wondering to join at such lower ctc with good yoe.
With 6 yoe ask for minimum 18lpa if you know you have the right skills.
My current ctc is 9.