B.Tech Tier 1
Experience: 4.5 years
Current Company: Walmart(SDE-3)
Current Compensation : 38LPA(fixed+bonus+RSUs)

Company: Oracle OHAI(SMTS)
Fixed: 38LPA
RSUs: $40k(Vested in 4 years- 40%,30%,20%,10%)~14Lakhs in first year.
Total CTC in first year : 52LPA
HR told that first year CTC will not be reduced in susequent years as enough stock refreshers will be provided each year

Company : Kotak Mahindra Bank(SDE-2)
Fixed: 38.5LPA
Bonus: 10% ~ 3.85LPA
Deferred cash(Kind of retention bonus): 40Lakhs(10 Lakhs each year for 4 years)
Total CTC in first year: 52 LPA

Need your help in deciding between these offers. I have my LWD day next week so quick responses are appreciated.

I am inclining towards Oracle because

1. I think it is stable than Kotak and has good brand value.
2. And salary is almost same that they are providing.
3. Also being a bigger brand Oracle provides some benefits not in Kotak.
4. Notice Period of Kotak in also a concern it has 90 days(vs 30 days in oracle)
5. Work wise they both are building new products and similar tech stack(talked with managers of both org)

Oracle's negatives: Hikes are very less(I have heard)

Kotak's positive: They are providing everything in cash but bonuses are at the end of year.(But oracle is also providing RSUs of same value so don't know how much of postive this is)

UPDATE: Also got offer from Optum AI
Company : Optum AI(senior Full stack developer)
Fixed: 45.3LPA
Bonus: 8.65LPA
Joining Bonus: 3LPA
Total CTC in first year: 57 LPA

Could You please suggest about Optum. Compensation wise looks good but how is it as company and other things.

Thanks in Advance!

Note: Will post detailed interview experience once this is sorted.