Hi Fishes

I'm renegotiating with a company regarding offer. They have given 2 option:
1. Fixed 16.5lpa + 50k gratuity and insurance, total CTC 17 Lpa
2. Fixed 16 lpa + 50k gratuity and insurance + 1 lac retention bonus (after completing 1 year with company), total CTC 17.5 Lpa

Please guide which one will have more in-hand salary and is better. Thanks in advance.

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Can anyone help me what will by my inhand salary for CTC 31.5 Lakh((No variable) fixed ctc and i have home loan and life insurance of more then 1.5 Lakh
Employwr contribution to PF is 9450 monthly and i think same goes from my contribution as well

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