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93 percentile in JEE Mains, 6k rank in WBJEE - Can a middle-class student afford BITS Pilani?

Mayank

Mayank Chandel  |2367 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 22, 2024

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more
Asked by Anonymous - Jun 16, 2024English
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मैं एक मध्यम वर्गीय परिवार से हूँ। मैंने JEE MAINS में 93 प्रतिशत के साथ अच्छे अंक प्राप्त किए हैं। इसके लिए मुझे कोई कोचिंग नहीं लेनी पड़ी। मैंने WBJEE में 6k रैंक प्राप्त की है। BITSAT सत्र 2 की परीक्षा दूँगा। मैं BITS पिलानी में पढ़ना चाहता हूँ, लेकिन मेरी आर्थिक स्थिति बहुत बड़ी समस्या है। क्या मुझे अपने क्षेत्र में एक सरकारी कॉलेज चुनना चाहिए या मुझे BITS के लिए प्रयास करना चाहिए? मेरी माँ एक सिंगल मदर हैं। मेरी एक बड़ी बहन भी है। साथ ही, मैं यह बताना भूल गया कि मैंने कक्षा 12 में 95 प्रतिशत अंक प्राप्त किए हैं।

Ans: अरे, अगर आपको बिट्स में छात्रवृत्ति मिल सकती है तो आगे बढ़िए, नहीं तो सरकारी कॉलेज में जाइए। अच्छी तरह से काम करें और 4 साल में एक बढ़िया पोर्टफोलियो बनाएं और आप चमक सकते हैं। आप बहुत मेहनती हैं और कहीं भी अच्छा करेंगे।
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Nayagam P

Nayagam P P  |5110 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

Asked by Anonymous - Jun 17, 2024English
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मैं एक मध्यम वर्गीय परिवार से हूँ। मैंने JEE MAINS में 93 प्रतिशत के साथ अच्छे अंक प्राप्त किए हैं। इसके लिए मुझे कोई कोचिंग नहीं करनी पड़ी। मैंने WBJEE में 6k रैंक प्राप्त की है। BITSAT सेशन 2 की परीक्षा दूँगा। मैं BITS पिलानी में पढ़ना चाहता हूँ, लेकिन मेरी आर्थिक स्थिति बहुत बड़ी समस्या है। क्या मुझे अपने क्षेत्र में कोई सरकारी कॉलेज चुनना चाहिए या मुझे BITS के लिए प्रयास करना चाहिए? मेरी माँ एक सिंगल मदर हैं। मेरी एक बड़ी बहन भी है। साथ ही, मैं यह बताना भूल गया कि मैंने 12वीं कक्षा में 95 प्रतिशत अंक प्राप्त किए हैं। मेरा निवास राज्य पश्चिम बंगाल है।
Ans: अपनी मां की आर्थिक और अपने परिवार की स्थिति को ध्यान में रखते हुए कृपया BITS को नजरअंदाज करें क्योंकि इसकी फीस बहुत अधिक है। कृपया अपनी रुचि के क्षेत्र में पश्चिम बंगाल में किसी भी सरकारी कॉलेज में प्रवेश लें। BITS में ज्यादा रकम खर्च करने के बजाय किसी भी सरकारी कॉलेज में दाखिला लें और इंटर्नशाला, एनपीटीईएल, लिंक्डइन, कोर्सेरा आदि के माध्यम से ऑनलाइन कुछ प्रमाणपत्र प्राप्त करें ताकि नौकरी के बाजार में खुद को सक्षम बना सकें। शुभकामनाएं। अधिक जानने के लिए ‘ करियर | शिक्षा | नौकरियां | रिज्यूमे लेखन | प्रोफाइल निर्माण | वेतन बातचीत कौशल | पेशेवर लिंक्डइन प्रोफाइल बनाना | सही स्कूल चुनना बोर्ड (राज्य | मैट्रिकुलेशन | सीबीएसई | आईसीएसई | अंतर्राष्ट्रीय बोर्ड) | छात्र मनोवैज्ञानिक परामर्श | परीक्षा तैयारी तकनीक (बोर्ड | प्रवेश और प्रतियोगी) | एसओपी लेखन युक्तियाँ’, कृपया मुझे RediffGURU में यहाँ फ़ॉलो करें।

नयागम पीपी |
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Nayagam P

Nayagam P P  |5110 Answers  |Ask -

Career Counsellor - Answered on May 05, 2025

Asked by Anonymous - May 04, 2025
Career
Sir I have got 80k crl and 25k obc rank in jee mains, i didn't give any other exams and I'm not sure if I'll be able to crack advance.. (delhi home state so I can get MnC in DTU) I'm confused ki I should apply for bitsat or not given financially my condition isn't good and I'll have to take a loan for the entire fees of it..
Ans: As you have previously stated, it is challenging to achieve a Common Rank of 80K in JEE-Advance. However, it is possible to make an endeavor. Secondly, it is important to observe that a minimum score of 280 out of 390 is required for BITS CS Branches and/or 250 for other in-demand branches. The majority of students make the error of applying for or appearing in an insufficient number of exams. Consequently, I consistently advise appearing in a minimum of 8-10 entrance exams as a backup. MnC from DTU provides exceptional opportunities, particularly for students who are interested in data science, analytics, and computing. It is consistently one of the most successful branches at DTU, following CSE, with a ROI that is comparable or superior. I recommend that you also engage in JoSAA Counseling and select the maximum number of preferred options that best suit your interests, as well as the institute's reputation and placement records.Please review one of my responses (a step-by-step guide) regarding the likelihood of admission to NIT/IIIT/GFTI as a value-added resource. Alternatively, you may view the EduJob360 YouTube video on the JoSAA Counselling Process. All the Best for Your Admissions!

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नवीनतम प्रश्न
Janak

Janak Patel  |41 Answers  |Ask -

MF, PF Expert - Answered on May 25, 2025

Asked by Anonymous - May 15, 2025
Money
I am 36 years old, earning around 1.6 lakhs per month, I have car loan for 7 years and paying 25000 per month, I bought a land property 3 years back and its current evaluation is 35 lakhs, I have a ulip plan of 2lakhs per years and the premium was for 7 years ( completed) and holding period is 3years, total fund accumulated is 22 lakhs. I have a liquid reserve of 20 lakhs. Can u tell me if I have to accumulate 8 crore at the age of 60 , what should I do?
Ans: Hi,

Lets look at your investments and see what you will be able to achieve at the age of 60.

ULIP - This is a insurance + investment product and as you have completed your premium term of 7 years you should be able to access this amount (now or 3 years later). It may seem to be a good product but I believe on both Insurance and Investments there are better products. First the insurance cover is not substantial and the charges are quite high. They will manage to invest the amount just like a Mutual fund. Its better to split insurance and investment. If you are looking at this amount like an investment, then the amount of 22 lakhs is available as a starting point, over the next 24 years if invested at 12% rate (typical returns in Mutual Funds), you will be able to accumulate 3.33 crores. You can buy a term life cover of a high value (much higher than the ULIP cover), for a very low premium and you should definitely get that and com out of the ULIP.

Savings of 20 lakhs - I suggest you keep about 10 lakhs aside in some FDs as your emergency fund - to be used only for any unexpected/emergency situation. This will grow to 40 lakhs at 6% over the next 24 years.
The remaining 10 lakhs should be invested in Mutual funds and at a 12% returns after 24 years this will accumulate into an amount of 1.51 crores.

Thus you can accumulate approx. 5.25 crores with these 2 amounts invested as above for the next 24 years.

To achieve 8 crores, you need to accumulate another 2.75 crores. If you invest 16500 monthly into similar investment (Mutual fund SIP) and assuming same return of 12%, you can accumulate this amount.

In this process we have not considered the land property you have, as its difficult to calculate its value without knowing its location and usage/type. So you can get some estimate for it in future then you can accordingly reduce the monthly SIP requirement.

Mutual Funds are a good investment option when you consider its long term benefits - as its managed by professionals. Its important to construct a good MF portfolio and with time of your side, you should be able to achieve your goal comfortably.

Consult a fee based Certified Financial Planner/Financial advisor who can help and guide you for this.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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