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What will be inhand salary?

I’m currently working in Citi as an AVP in Mumbai for the past 9 months.. due to personal reasons I wanted to move back to Pune (I have worked in Pune for last 8 years before coming to Citi) so I landed up with an offer from HSBC into Wholesale IT (GCB5).
My current Fixed CTC in Citi is 26.5 excluding PF and Retrials and HSBC IT has offered me 30.5 for the same and said they cannot increase further as am moving jobs in after 9 months which is too early..
Questions -
Have I been low balled?
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Found on LinkedIn. Nice kicks.

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130
Which practice?
Mba or no
No MBA
Thanks Manager 2. Any insights on work culture?
With MBA?
Process Assurance
Manager doesn’t have mba differences in FS