Hi Folks, I recently had a offer from JPMorganChase with below details. Please let me know is this a good offer or a lowball.
I appriciate your inputs on this one,
Please do let me know, so if it's lowball I'll give my best to negotiate.
Thanks folks.

Current : Mastercard (Recently moved)
CTC: 23 LPA

Company: JP Morgan Chase
Role: Software Engineer 3
Salary (Fixed): ₹30 LPA
Annual Bonus: 10 - 12% as told by recruiter, not mentioned in the offer letter though
Stocks: no stocks
Joining Bonus: No | HR said JP doesn't have any Joining Bonus
Total comp : ₹30 LPA
WFO : 5 days
Location: Mumbai
Benefits: Standard JPMC benefits

Interview Process: https://leetcode.com/discuss/post/7364431/jp-morgan-chase-sde-3-yoe-34-by-anonymou-lvo7/