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Hi Fisher,
I am working in TCS with total year of experience as 3.8 Yrs. I am having an offer of 14 + 1 LPA ( joining bonus ) from prod based company in Mumbai. I got selected in CTS. Can CTS provide me 20 LPA with this experience. ??
Please do reply.
Cognizant Accenture Tata Consultancy Infosys Deloitte Wipro Cognizant Softvision Accenture Mindtree Capgemini
What would be my in hand after tax deductions?

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This is a decent package for your yoe. Also there is no less or high for a given yoe, I have seen ppl get 30lpa and 4lpa also with 4 yoe. It all depends on what tech stack you work on, whom you work for and what your needs are.
If you feel like you aren't paid enough, switch. If you are having a good work life balance and the salary satisfies your needs, then stay.
3.8 yoe