Hi,
I'm from chennai working in analytics service firm (Banglore) and have got offer in optum (chennai) - product firm. I'm not sure whether the below deal is worth as the in-hand is same after deductions.
Cctc - 18 (Expecting 21.6 in appraisal - 1.8k pf deduction)
Offered - 25.3 ( 12k pf deduction)
In-hand is coming around ~1.5 in both cases offered salary and cctc after hike). Thought to switch for wlb but worried whether it's worth to jump considering the in-hand.
Need your insights.

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Even though In hand might be same, amount getting deposited into pf is also your money. It will help as a huge corpus in future. Now that you are into a product firm, you will be working for internal departments and ideally WLB should be better.

If you are still weighing financial upgrade, you need to consider all components in both salary structure as one might be better.

If you are getting a team lead or a senior position, that also matters.

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