27LPA MNC vs 40LPA Startup career advice

Hey everyone, I have graduated from tier 1 NIT 2025 batch
3 good SDE internships and 1 good ML research intern
0 YOE

I have 2 offers, can you suggest which one would be better for a fresher

1 . Machine Learning Role at a 20-member AI startup
Fast-paced, research-oriented environment with strong ownership and growth opportunities and heavy workload.

Total compensation: ₹30L base + ₹6L performance bonus + 18L ESOPs (4-year vesting).

2 . Analyst role at a Well-Known Financial Services Bank
Structured, stable environment with exposure to financial markets and long-term financial growth.

Total compensation: ₹26L base + ₹1L bonus.

❓What I’m Considering:
Short vs long-term career growth

Impact and innovation vs stability and brand

Startup risk/reward vs corporate structure

Would love to hear your thoughts—what would you choose and why?

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