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Chief
Elevate incentive won't be converted brother... You can safely look for outside...
I have got 8A bands... In tcs.. and nothing changed much for me.. finally i resigned last week...
Try your luck.. outside..
Insurance.. yes tcs is good.... Check with other companies.. how insurance is factored.. (same need pre test etc)... If no pre test is required, you can enrol ur dad in the next company insurance as well...
Aim for product based companies brother...