
Bhai simple maths is there. High package than go for it

TCS - Client approved WFH, Medical is good, onsite opportunity down the line
CG - Settle down with the new project, less medical, not sure abt the the onsite opportunity
Both are BFSI Business Unit.
This creates confusion.

For 8 lacs coverage u hv to spent 8 yrs in tcs. While CG providing right away. If both r same units go for it. Might u vl hv new responsibilities and even tcs can match Cg salary

Capgemini

Capegemini
So basically you are planning to get into Trap.
Client WFH anytime they will ask to operate from ODC .
Onsite opportunity not immediately, They will be raised the request but without onsite position, customer demand and finally budget available then and then it will be your chance, That % chance is very less.
24 CTC , definitely as per your experience would they offer ASOC position so you will first year will get full QVA but after that based BG and Company performance. So your QVA would be 20 to 25 % out of 100 % QVA ( Part of CTC ) . Your actual package 21L after 1 year
Hope this will help to take discussion.
Logically if you 32L easy for you to ask for the next opportunity with 42 or 45 L in current market conditions.
But with 24L difficult to ask 45 in one go except you have a niche skill and luck.

CG

Next yr D 24 will become 21 join CG...CG has equal and better medical polical policy than TCS...being used both I can personally say the same

Capgemini

Capgem with 32

Obviously join Capgemini. Wfh, salary hike, appraisals, onsite all are myth in TCS now. If you stay here with 24LPA, you won't be able to change later with higher package because majority amount goes to monthly and quarterly variable and when you give interview outside they will not consider any variable component.