I’m confused. Need help!!

Never take these decisions based on recommendations from random strangers on the internet. We don't know you and your context. This is a decision which only you should take after a thorough consideration. We can only guide you into what and how to think about it.

1. Figure out what are the core non negotiables in your dream role ( Salary, title/designation, onsite opportunity, Challenging or interesting work, growth opportunities, leadership, company and work culture to name a few). In this list prioritise the top 3 and then prioritise only 1. This is the one core non negotiable for your role and should be your north star metric while making such a decision. Only then will you be content with your decision.
   If some one else takes or influences you on this, you will always be left wondering, what if..?

2. Having said the above point, I personally feel based on my experience, a good mentor/manager + skill set growth opportunities is the best combination for anyone early in their careers. The compounding effect it will have later in your roles and compensation will more than make up for this 5-10% pay hikes that you are fretting over. The biggest pay jumps happen when you switch your jobs, but make sure each jump is for a better growth opportunity.

All the best

The difference in pay is not big enough for you to neglect the other factors at play here. Go with the team that you'd enjoy working with the most.

You'll not understand the value of culture until you deal with a bad or absent one.

Dont know much about their internal workings/ culture but they r doing very well as a Non Banking Financial services Co. Between an MNC and a family owned enterprise i would however place my bet on an MNC. The early year grooming in an MNC goes a long way in your professional development

Is the offer with Bajaj Finance? If so, you r better off with DXC. More than the salary you should figure out what you really like - HR or Fin Analytics

I did not go ahead with Bajaj F, they don't have good reviews from employees.

Also during interview, they were sugarcoating a lot of things that was not a good flag imo.