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In-hand for below offer?

Yin and yang

Additional Posts in Offer Negotiations
Hi Folks,
Hope you all are doing well.
I have multiple offers in hand from the below-mentioned companies.
Need your inputs and suggestion regarding which company would be better to join in terms of career growth and opportunities in Data Engineer role.
ITC Infotech
Telstra
Teklink International
Factspan analytics
Bosch
All companies are giving offers around 18-20(Fixed +Variable).
YOE - 3.4 years
Tech Stack - SQL Server,SSIS,Azure ,ADF,ADB,Pyspark,Azure Synapse, SparlSQL
Any idea about altimetrik, sasken, encora, tonik in terms of job security, work life balance and growth. Its good to join at 25 LPA in any of these companies. YOE 12 relevant to Java Springboot 6 years experience. Current CTC is 11 LPA Sasken Technologies Limited @tonik Encora Altimetrik Corp.
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Chief
What is the purpose of your personal loan and do you have other plans running?
No loans till date this is my first one, need it for home but I can't take home loan due to some documents
Chief
ICICI offers an overdraft facility. See if you can get that. I don't think 10L will be possible but you should be able to get a part of it on overdraft if it's offered to you
From HSBC you will get 9.99 ROI