Help needed quickly! I'm torn between two offers and seeking advice. Here are the details:

KPMG
CTC: 19LPA (15 fixed + 1L joining bonus + 13%-26% variable)
Role: Advisory Data Visualization Senior - Consultant 2
Location: Bangalore (Hybrid)

IDFC First Bank
CTC: 17LPA (16 fixed + 50k joining bonus + 8-12% variable)
Grade: Manager - Role: Developer
Location: Mumbai (5 days WFO)

I'm residing in Mumbai currently (Python Dev). Both offers seem equally appealing. Suggestions, positive and negative, are welcome. I'm confused.

I have 4 years of exp

Update:

KPMG gives word to keep me in Mumbai
Base salary still remains 15LPA + Joining bonus - 1L

IDFC
Base salary 16LPA + Joining bonus - 1L

It's confusing