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PWC India or Capgemini?
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Hi sharks.. what would be monthly in hand?

Off Topic : 1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement? Tata Consultancy Infosys Mindtree IBM Wipro Capgemini Cognizant HCL Technologies
What would be my in hand after tax deductions?

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If you complete 4 years and 180 days, you are eligible for gratuity.
Few companies will be applied 4.7 months..so IBM mentioned 5 years in recent offers