How much in hand salary I will get in for package 16 lpa with variable 15%

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It depends how much basic pay they have allocated. Based on the basic pay, your PF will vary too and with that the deduction. There are also other variable factor like whether you are choosing 12% of basic pay for PF or minimum PF deduction. Or 10% NPS deduction or not. Old tax regime, new tax regime is also another varible. There are online salary calculator. Also, using online tax calculator - you can see the deduction amount for TDS

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85-90k

If you can crack interview for 16 lpa, i believe you must be good enough to calculate this on your own.

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Confused right now which to choose also been listening about recession and bear market so job security is also a crucial point in making a decision.

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Hi,

I am having total 4 year of experience. CCTC is 8.6 lpa TechStack is Java,Springboot,Microservice with Azure cloud

I have offer of 19 LPA from Optum which includes 2.5lpa variable

Today after HR round with Morgan Stanley they have given me the amount as 2365000 base + 141900 EmployerPF + 354750 Variable + 4.75 lakh relocation.

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