सुप्रभात महोदय, मेरा बेटा सीबीएसई बोर्ड की 10वीं कक्षा की परीक्षा दे रहा है, वह रेलवे में इंजीनियरिंग करना चाहता है, जहां से वह कर सकता है, क्या वह अच्छा सोच रहा है और रेलवे में इंजीनियरिंग करने के लिए सबसे अच्छे संस्थान कौन से हैं। प्रवेश पाने के लिए उसे क्या अतिरिक्त तैयारी करनी पड़ी?

Ans: Go for VIT-AP CSE Core (Category 2)

Ans: Hi Sir,
You are welcome.
Several factors can influence the situation, including:

- The number of candidates who appeared for the exam
- The marks they scored
- The demand for specific branches or specializations
- The location of the institute
- Classmate dynamics
- Social media influence
- Information from websites
- Job opportunities
- Current trends

So, there’s no need to worry. You've made a decision and secured admission. In undergraduate programs, students typically learn the basics. Encourage her to acquire fundamental knowledge and pursue an internship before finishing her course. Additionally, she should consider taking some add-on courses to enhance her job prospects. If she is interested in higher education, she should focus on preparing for it from her second year onward. This way, she can secure a place in a government institution without any difficulty.
BEST WISHES TO HER FUTURE ENDEVOURS.
POOCHO. LIFE CHANGE KARO!

Ans: With a JEE Main percentile of 93.1 and the EWS category, you can aim for admission to some mid-tier NITs, IIITs, and GFTIs. You might have a better chance in your home state's NIT or during CSAB special rounds, where more seats become available in lower-ranked NITs. You may not get Computer Science (CSE) in the top NITs, but you can consider other branches in mid-tier NITs or pursue CSE in IIITs or GFTIs

Ans: I can't say for certain. As you mentioned, some websites are making predictions and sharing their insights. Review their predictions from last year. Follow the most accurate predictors and prepare yourself accordingly.

According to your query, you mentioned the general category and asked about your rank. When I calculate your rank using your marks for both male and female candidates, I notice that it varies significantly. There are many factors that influence the prediction. If you overlook even a small detail, the entire outcome can change.

For Example: NEET 2025 RANK PREDICTION FOR YOU -168K to 180K (IF FEMALE) and 196K to 216K (If you are female). Therefore, please wait for the official answer and results.
BEST WISHES.
POOCHO. LIFE CHANGE KARO

Ans: Hi Satya,
GOOD DECISION,
If you are interested in engineering, consider pursuing a diploma. You won't have to compete with a large number of candidates. After completing your diploma, you can enter undergraduate programs through lateral entry, and you will have a better understanding of the subject compared to those who were directly admitted.
ALL THE BEST.
POOCHO. LIFE CHANGE KARO!

Ans: Hi Amit,
OBVIOUSLY MMMUT.
The admission process at MMMUT is based on merit, which will have a significant impact on his career. Even after completing his studies, he will still need to qualify for government jobs, as gaining admission to MMMUT does not guarantee employment in the public sector. It is essential for him to focus on acquiring knowledge and skills during his time there. I recommend that he start preparing for this now and consider taking additional courses starting in his third year.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

Ans: Hi,
I can't say for certain. As you mentioned, some websites are making predictions and sharing their insights. Review their predictions from last year. Follow the most accurate predictors and prepare yourself accordingly.

According to your query, you mentioned the general category and asked about your rank. When I calculate your rank using your marks for both male and female candidates, I notice that it varies significantly. There are many factors that influence the prediction. If you overlook even a small detail, the entire outcome can change.

For Example: NEET 2025 RANK PREDICTION FOR YOU -168K to 180K (IF FEMALE) and 196K to 216K (If you are female). Therefore, please wait for the official answer and results.
BEST WISHES.
POOCHO. LIFE CHANGE KARO

Ans: Hi,

To pay your personal loan faster, you need to save and pay all amount left after EMI and your expenses towards repayment of personal loan.
Do not stop paying the home loan EMIs
.
If personal loan interest rate is higher than the returns you are getting on Mutual funds, then you can consider withdrawing from MF and paying up the personal loan.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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.