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Hi I have offer letter from cognizant 14 Lac ( Banglore) Indiamart 12.7 Lac (Noida) and relience jio (Mumbai RCP) 14 Lac + 1lac joining bonus + 1 lac retanstion bonus I have 4.8 years of experience in android application development. Please suggest me Which should i have to join and how i can negotiate salary.IndiaMART InterMESH Limited Reliance Jio Infocomm Limited Cognizant
What will be the in-hand for this offer?

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Yes but you should move to a cheaper neighborhood. You can get a 2b 2ba for much lesser than 6k per mo. Your savings in rent can then cover daycare or a nanny. You’re not gonna be able to save as much with kids so factor that in.
Rising Star
Do not have children because it is an economically sound decision. Have children because you love and want to nurture kids and want to do that with the person you love most in the world, because you have values and beliefs you want to pass down. It will never make sense economically to have children (unless you have millions +). If you and your partner want kids out of love, you will figure out the rest.
Pro
The answer to your question is yes.
Why do you need money in the bank other than for a down payment? Daycare and/or spouse quitting work plus needing a place with an extra bedroom is the main thing to budget for. And don't set the expectation that you need to buy a house now to fit family size when they are old -- most people upgrade houses as the family grows.
Yes
I started having kids when I was 23 while making $18k a year and surviving on welfare. Now I’m a big law partner and my daughters are doing fine. They have fat 529s, drive slick cars, and don’t even remember the government cheese. Having kids when you are young is under rated. It’s going to be ok OP.
Had my first kid in NYC biglaw with 100k in credit card debt and no savings - doing fine now... so yes, that should be fine.