What is the in-hand salary I can expect for a 20LPA fixed in Capgemini…?

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+Repost
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Hello Everyone,
In a dire need to change my current job since I’m getting
Deloitte" class="linkified" target="_blank" rel="nofollow" >underpaid.Deloitte Intel Corporation Wells Fargo Shell
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Hi Fishes,
Can you guys please suggest on the below ? Which one to choose of counter ? What can be the terms of Counter Offer, can i asked to Match the exact CTC (JB+FIXED ?)

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Cognizant : (X+1) LPA (Fixed) + 45K (Variable)+ 0 (JB)
Fiserv : X+2.6 LPA (Fixed) + 80K (JB)

Thanks in Advance.

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