जेईई मेन्स 2025: क्या 97.7 पर्सेंटाइल मुझे ओबीसी श्रेणी में शीर्ष रैंक दिलाएगा?

Ans: Go for MIT Manipal – BTech Mechatronics

Ans: Try private universities

Ans: Hi Sayani,
It is a good idea to consider your options beyond MBBS if you have a score of 450. You might explore BDS (Bachelor of Dental Surgery) or Indian medicine programs like BAMS (Bachelor of Ayurvedic Medicine and Surgery) and BSMS (Bachelor of Siddha Medicine and Surgery).

For BDS, there are opportunities available in government colleges under the state quota. However, many factors influence admission, so we should wait for the results from the NTA (National Testing Agency).

Ans: Hi, the chances are slim. Just wait for the results from the NTA and the admission process.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

Ans: Hi Mai, the chances are slim. Just wait for the results from the NTA and the admission process.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

Ans: Hi, the chances are slim. Just wait for the results from the NTA and the admission process.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

Ans: Hi Sir,
Most of the candidates first preference is MBBS and then many candidates will consider pursuing a BDS. Several factors influence the admission process for government colleges offering BDS programs. There are opportunities available in lower-ranked colleges as well but not guaranteed. If you are planning to pursue BDS, be sure to keep an eye on relevant websites for updates.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

Ans: With CIBIL score 650, loan approval is difficult.

Improve score or try NBFCs, but rates will be high.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You are earning well and managing some savings already. That is appreciated. However, you are also carrying high EMIs and considering more loan. Your spending needs a sharper plan. Let me now analyse it step by step from a Certified Financial Planner point of view.

Your Current Financial Snapshot
Age: 38 years

Salary: Rs. 2.75 lakhs per month

Home loan: Rs. 54 lakhs, EMI Rs. 51,588, with 17 years remaining

Car loan EMI: Rs. 13,500 for 2 more years

Mutual fund savings: Rs. 12 lakhs

LIC premium: Rs. 10,000 per month

Gold kitty: Rs. 25,000 per month

Planning to buy a second home worth Rs. 1 crore with loan

Appreciation Where It’s Due
You earn a strong income and have controlled lifestyle inflation

You are investing in mutual funds

You are maintaining discipline in EMIs

Housing Loan – High Burden Now
Rs. 51,588 EMI already takes a big part of income

It runs for 17 more years. That’s a long commitment

It reduces your financial flexibility

Planning a second home loan now is risky

EMI of second home will cross Rs. 70,000 easily

Your total EMI burden will then cross Rs. 1.3 lakhs monthly

That is nearly 50% of your monthly income

Car Loan – Short Term Impact
EMI of Rs. 13,500 will go for 2 more years

While manageable, it adds pressure in short term

Till it ends, your cash flow is stretched

LIC Policy – A Mistake That Needs Correction
You pay Rs. 10,000 per month in LIC

That is Rs. 1.2 lakh per year

LIC traditional plans give very low returns

They mix insurance with investment

Better to separate both goals

Pure term insurance gives more cover for lower cost

Surrender LIC policy if it’s endowment or money-back plan

Reinvest that amount in actively managed mutual funds

This helps in better long-term wealth creation

Gold Kitty – Not a Productive Use of Funds
Rs. 25,000 going to gold every month is not smart allocation

Gold does not give regular income

It does not beat equity returns in long term

Gold is good for diversification, but not in large quantity

Keep gold to less than 10% of total portfolio

Stop gold kitty and reroute to equity mutual funds

Second Home Purchase – A Caution Needed
Buying second house now is not a wise choice

You already have one big home loan

Second loan will overload your monthly cash flow

Your future flexibility will get locked in

You will also bear property tax, maintenance, and vacant risk

Property prices don’t rise every year

Real estate is not a liquid investment

If you lose job or face emergency, selling a house is hard

It cannot be your emergency backup

Rental income may also not match EMIs

Better to focus on financial freedom than owning many properties

Mutual Funds – Smart Start but Needs Better Strategy
You saved Rs. 12 lakhs in mutual funds

That’s a strong beginning

Don’t stop SIPs or investments now

Increase SIP amount after car loan closes

Continue with actively managed mutual funds

Avoid index funds

Index funds only track market

They fall when market falls, no cushion

Active funds have experts managing them

They shift from weak to strong stocks

Performance is higher over long time if chosen well

Direct Plans – Not Ideal for Your Situation
If you have direct mutual funds, reconsider them

Direct plans may save cost, but you miss guidance

A Certified Financial Planner gives you personalised planning

You get goal-based fund selection

You also get portfolio reviews and timely changes

In emotional market conditions, you need expert support

Regular plans through MFD with CFP help you invest wisely

Action Plan – Spending and Investment Adjustments
Do not go for second home loan now

Keep your EMI to income ratio below 30%

Stop gold kitty immediately

Reallocate that Rs. 25,000 to mutual fund SIPs

Surrender LIC policy and invest that Rs. 10,000 also in mutual funds

When car loan ends, redirect Rs. 13,500 into SIPs

This way, Rs. 48,500 monthly can go into high growth investment

What to Do With Current Mutual Funds
Review your current fund choices with a CFP

Ensure funds match your risk profile and goals

Check if the mix is well balanced between large, mid, and flexi-cap

Remove poor performing funds and add better ones

Use fund switching if needed

Emergency Fund – Is It There?
You need at least 6 months of expenses saved

This helps during job loss or medical issue

Keep it in FD or liquid mutual fund

Don’t depend on credit cards or loans in emergencies

Insurance Coverage – Double Check Needed
Do you have term insurance of at least Rs. 1 crore?

If not, take it now before buying anything else

Term plan is must for all earning individuals

Also get a separate health policy

Corporate health cover alone is not enough

Tax Planning – Use Efficiently
Use ELSS funds for tax benefit under Section 80C

They give better returns than LIC or PPF

Lock-in is 3 years only, not 15 like PPF

PPF is still useful for partial long-term savings

Mix both ELSS and PPF for a good 80C strategy

Retirement Planning – Begin Now
You are 38. Retirement can be 15-20 years away

After retirement, no fixed income will come

You must build corpus now to live stress-free later

Mutual funds help create that retirement kitty

SIPs give compounding benefit over years

Keep increasing SIPs every year with salary rise

Have a separate SIP just for retirement

Freedom vs. Debt – Choose Wisely
Owning too many properties gives emotional satisfaction

But financial stress rises with each new loan

Your life becomes EMI-driven, not freedom-driven

Instead, become debt-free earlier

Then focus on travelling, health, hobbies and peace

Yearly Review – Must for Success
Every year, sit with your Certified Financial Planner

Review your spending, EMIs, investments and insurance

Adjust funds based on market and life changes

Keep your goals in focus every year

Finally
You are financially stable and responsible already

But a second house now is not needed

Instead of loan, choose investments for long term

Control current high EMIs before taking new ones

Stop gold kitty and LIC policy

Redirect to mutual funds for wealth building

Build strong retirement and emergency fund

Stay away from unnecessary real estate burden

With structured planning, your financial future will be strong

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment