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What will be the in-hand salary

I have offer of 20 LPA from Oracle IDC Pune. Project is related to Oracle Primavera Cloud. I had a discussion with the hiring manager and everything sounded good to me.
I just wanted to know if there are any red flags I should be aware of. So please help me fishes.
YOE 4
Need 11 likes for DM
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Hello Fishers, need your help to finalize my decision.
I have 5 YOE and I have done a full-time MBA. I am currently working with one of the product organizations as a business analyst. TIAA offering 17 LPA Fixed (Including PF) against 1 counter offer I had of 15.6 LPA Fixed.
My CCTC is 9.35 LPA so should I ask for more here? Also, how are work culture and policies considering I will be part of the BA profile?
Tiaa global business services
Why short people gotta take the exit row ?
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I got 10 percent and there is no way to increase that hike
13.39 % .
Individual contributor and best performer.
Mine was 8.2%