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Chief
CTS is paying good just because they need people for projects for which they are being charged heavily by client because they are not able to provide resource for work.
With Associate Designation this much salary is on higher side an when Cognizant is plan to layoff these people will be the first one.
But we don't know the future so it's best to get this offer and save money for the raining days ahead.
Kudos to your negotiation skills getting that much from CTS is wonder
Is it real cognizant is paying that much?
See
Cognizant
Take Cognizant. It's a good choice. Ensure you keep upskilling / reskilling as per market trends. It's any Life Long Learning in IT.
Go for Cogni.5 years exp so no need to worry that much for layoff