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Wht would be the In-hand salary out of this

I just got an offer from Accenture Switzerland, Total Comp 170K with 140K base. I have 6YOE as IT consultant and 9YOE in total. I am just upset that they did not offer me a relocation package of 20k because the cost of living in Zurich for a family with 1 child is crazy! Should I insist for a sign on bonus before accepting the offer?
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Bajaj finance is extending an offer to me for Pune location of 16 LPA fixed. My current fixed is 11 LPA. Is this offer good enough ?
Tech stack: Machine learning, Python, R, PowerBI, Basic SQL.
YoE - 3 years
Can someone suggest if fixed pay is fair or low or high according to current standards. If it's low, how high should I quote to HR Bajaj Finance
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