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A rare occurence

Hey people , how's annual hike in cisco ?
I got offers from Tata Consultancy - 18 fixed+4.3 VP
Birlasoft - 25L agreed on initial call. HR round pending.
Tech:Mainframe, YOE: 11.5
15 days notice left.
TCS asking for joining confirmation within 3 days.
Is it worth rejecting TCS, for 10% more package from birlasoft.
TCS better on:
Health insurance
More Yearly leaves
No relocation
No shifts
Birlasoft better on:
More package
May get joining bonus.
Help me decide which one to choose?
If any other factors to consider?
Do you believe in Karma?
How to maximum save taxes for 20LPA?
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EY anyday.
My frnds always say, go to EPAM. Only when you're at worse than worse.