Hi , I have 3 years of experience in gyidewire where I have an offer of 10.5lpa from Cognizent, 11 lpa from PWC and 18lpa from hcl can some one help me which one I need to go to get good project And work life balance.

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Posting as :
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Hcl

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Is it a question.. Salary difference of close to 50%, think of how many years it will take if you join at 10lpa now and to reach 18lpa

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Balance of both.. If the comparison is between 10 or 12 lpa, then my answer would be different.
10 to 18 is huge, and 18 is including variable?
Also, it's my advice only. Please interact with folks with similar tech stack on LinkedIn to get better picture

Tech?

Guidewire (insurance platform)

11 lpa pwc vs 18lpa hcl.
Pwc 11 would be fixed pay, and it would have 10% variable on top of it. Ctc would come to 13 including gratuity insurance etc.

18 in hcl what have they included? Is it a large joining bonus?

Have you got the offer from hcl or just had a verbal discussion? As the numbers for hcl don't add up
2l bonus is lesser as per what hcl gives I'm ctc. It's either 10% or 15%(mostly where monthly variable or epb is added)
So it's either 1.8 or 2.7

Plus hcl gives ctc, so even if you get 2l variable, your fixed will be less than 16 as the remaining 16 would contain gratuity, medical insurance and in many cases a retention bonus paid at 1st year end that's only once.

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