u/Timely_Candidate1145

I'm 24M, currently at Accenture, and moving to Infosys in September. My dad (53) just left his job, and my parents have zero savings. We're staring down a 20 lakh home loan, 15 lakh jewel loan, and another 10 lakh in outside debt.

My mom is somehow managing to pay 1.5 lakh monthly towards these debts. I've been trying to shield them from the pressure, but I've racked up my own 2.5 lakh debt, paying 25k monthly.

I was hoping my new Infosys salary (70k in hand) would help me clear my debts faster. But now my mom expects me to contribute 45k to the home loan, meaning I'll also have to cover my dad's debt EMIs since he has no income. I cant get a new car even a new bike

Honestly, I feel like I'm drowning. I'm completely burnt out, mentally and physically.


I have cleared two rounds virtual and managerial and in HR discussion i asked for 12-12.5 lpa as i have 2.7yoe in accenture
HR offered 10.72 where 90% is fixed and 10% is variable pay
Should i take it also am i eligible to ask 100% fixed of what they offered with no variable pay

How much i will get in hand after deductions??