I am currently working at Oracle (MTS role). I graduated last year have just completed 9 months at Oracle. While I am good at my job I am a bit unsatisfied with the tech stack that we use here. It's all a bit old. I recently cleared PhonePe interviews and have received an offer there for the Software Engineer role. However, I am extremely confused about whether should I join there or not. The work life balance at Oracle is pretty great and it is an MNC so it has products and offices all around the globe whereas PhonePe is just an Indian company with a startup like culture where I might get to learn and own a lot. Moreover, since I have been working from home only since past year some people around me are saying that I should visit and work at Oracle's Bangalore office for few months before switching because my learning and prospects might improve in Oracle once I start working on campus, but I don't really agree with this view. Compensation wise both companies are almost similar :

Oracle :
Base = 15.5L
Joining Bonus = 6L ( to be returned if I leave before 2 years)
Stocks = 600 units ( around 36L vested over 4 years)

PhonePe :
Base = 23L
Joining Bonus = NIL
Stocks = around 11L vested over 4 years

I am very confused and scared of making a wrong decision and thus would appreciate any help. Thank you.