Self Employed

I’m in a contract with a European company with approx turnover of 35LPA in hand. Now since the income is classified as business the taxes I pay is way less compared to a salaried employee in india. How much salary should i expect on a transition towards a FT employee? Considering I’m applying for SDE2 with 4YOE.

Would like to avoid credit cards (cancelled my last one, can't get new one anymore either since self employed apparently) and use something that preferably has less than 15% rate of interest. Haven't been able to find anything useful or reasonable yet. Indmoney offering 1L at 2% per month/24% per year.