I think I know which IT company you are talking of
5 yrs exp and 10 LPA + 20% bonus is a very good offer. In your current 'top IT company', the opportunities are less. As you might have noticed, offering employees an onsite just after they put resignation is an age old practice in this company.
In the longer term, does the new company offer better prospects?
If yes,
you should take it. If not, better come onsite and save some $.
However, my reco is to take the new offer...because finance domain knowledge is always preferable than working for an offshore consulting company where they keep tossing you from domain to domain, project to project.