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Can you please help me with the in hand salary

Hello Sharks, I recently gave interview of Tiger Analytics and after all successful technical discussion, they were offering me Senior analytics - data Science role for 15.5 fixed + 2L jb, considering my current yoe 4.3 and in data science relevant is not much(consider it 1.5+) but my cctc is 14(13fixed+1 variable), I denied to accept this offer. Should I reconsider that?
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?
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