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What according to you is causing this serious decline?

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Salary Discussions, Hike & Promotions

Hi I am working as a full stack Architect (14 yeo) and Following is my CTC. 
Please help me calculate in hand salary and choose New or OLD regime. I have been doing Old regime till last year with a salary of 48 CTC. Now post revision it increased to 56L CTC effective March 1st. 

My PF alone will cover 80C
Also have additional 50000 contribution in NPS
My HRA is around 25K per month (300000)
Health insurance for family 28000
Mom's medical expense 30000 (No personal (Have medical complications) or corporate insurance unfortunately)
I have a home loan however its under construction, so not eligible yet for tax benefits

Help me choose New Regime or Old Regime for my salary revision

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Career Advice

Hello,
6 months ago, I switched from my previous job to my current one with a 40% salary hike. At that time, it seemed like a great opportunity, but now, I am seriously considering my decision.
My previous job had,
1. A European MNC team with excellent support and work culture
2. Good Time for my family & personal life
3. Flexible timing & permanent work-from-home
4. 5 days working with proper work-life balance

Now, in my current Indian company:
1. 12-hour workdays, with additional work on Saturdays (despite a 5-day work policy)
2. No proper training
3. Toxic work culture, where I get scolded daily due to a lack of training
4. Hardly any time for my kids and parents
5. Started my health issues

My previous company is willing to take me back with a 10% hike on my last salary. Given the work-life balance, supportive environment, and long-term growth prospects I had there, I am thinking of returning.
*It is not going to impact on my monthly expenses.*
Would you recommend going back?

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Career Growth

I recently signed a contract for 2 years, I'm currently having 2yrs experience in ERP implementation / Consultant and getting around 2.75 LPA. After signing a contract only they started giving training on Microsoft D365 software, where I can work on Business Central / Finance and Operations / Power BI / DevOps or any other softwares. So I can get good knowledge on various softwares, where I can grow myself and get better opportunities in the future.. 

I'm only thinking about is that contract worth ?

Contract!!

I have got an offer of 34 LPA from TCS and Capgemini .
I have 11 years of experience , Azure Developer.

Can you please guide / suggest which company should I join .
I am confused since both are offering the  same CTC .

TIA

TCS or Capgemini

Right after my BCom, I took a service advisor role at Honda for ₹7K due to urgency. Later, I moved to a gas station for ₹10K, handling all kinds of work beyond office tasks.

My breakthrough came when I joined as an order management specialist in Bangalore for ₹22K. To advance, I self-learned Excel, Power BI, coding, and automation, earning a specialist role. I also completed my MBA in Logistics & Supply Chain online. After four years, my salary reached ₹35K. 
With management’s support, I transitioned to a procurement specialist role at ₹45K + ₹11K (night shift), later growing to ₹58K + ₹11K by optimizing processes.

Now, I’m preparing for an HR round and planning to ask for a 55% hike. Am I on the right track? How can I accelerate my career growth?

Am I on right path?

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Please chime in the comments! What according to you is causing this serious decline?