Home > Money > Question
विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Ramalingam

Ramalingam Kalirajan  |8927 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - May 16, 2025
Money

I am 30 year old. My current in hand salary is 60k and additional 18k once in quarter. I have a home loan of 25 lac with monthly EMI of 18257 and have borrowed 11 lac from brother -in-law and paying 23k every month to him as well. Please help me how should I start with investment in MF and manage my financial to gain stability

Ans: You have taken some responsible steps already. Owning a house at 30 is a big milestone. It shows commitment and maturity. You also show discipline by repaying your brother-in-law regularly. Let us now take a 360-degree view of your financial life. The goal is to build stability and begin investing in mutual funds wisely.

Here is a detailed and structured plan for you.

 
 
 

Income and Cash Flow Assessment
Your in-hand monthly salary is Rs. 60,000. Quarterly, you get Rs. 18,000 extra.

 
 
 

That works out to around Rs. 65,000 per month on average.

 
 
 

You are paying Rs. 18,257 for your home loan.

 
 
 

You also pay Rs. 23,000 to your brother-in-law monthly.

 
 
 

Together, your monthly loan outgo is Rs. 41,257.

 
 
 

You are left with around Rs. 23,000 per month for all expenses and savings.

 
 
 

At this stage, the cash flow is tight. But not unmanageable.

 
 
 

Focus is now on smart budgeting, not just saving.

 
 
 

Let’s now plan to slowly move towards surplus creation.

 
 
 

Household Budget Rebalancing
Start with tracking every rupee you spend for three months.

 
 
 

Use simple notebooks or mobile apps for this.

 
 
 

Identify 2–3 non-essential spending areas.

 
 
 

Cut those expenses gradually.

 
 
 

Target to reduce monthly spends by Rs. 4,000–5,000.

 
 
 

This will help create investment capacity.

 
 
 

You can then begin your mutual fund journey smoothly.

 
 
 

Loan Repayment Priority Strategy
Between the two loans, your brother-in-law’s loan is priority.

 
 
 

It is not interest-based but emotionally important.

 
 
 

Keep paying him Rs. 23,000 consistently.

 
 
 

Do not reduce this until fully repaid.

 
 
 

After it is cleared, redirect this EMI into investments.

 
 
 

That Rs. 23,000 will become your wealth engine.

 
 
 

You may consider prepaying home loan slowly after that.

 
 
 

But don’t rush. Use part for investment too.

 
 
 

Emergency Fund First
Before any investments, set aside safety fund.

 
 
 

You must build emergency savings of at least Rs. 40,000.

 
 
 

Start by saving Rs. 3,000 per month till you reach that.

 
 
 

Keep this in a bank RD or sweep-in FD.

 
 
 

Do not touch this unless it’s truly urgent.

 
 
 

This will help you avoid personal loans or credit card debt.

 
 
 

Health and Life Cover
If not already covered, get a Rs. 5 lakh health cover.

 
 
 

Choose a family floater policy if married.

 
 
 

Buy from reputed insurer with good claim ratio.

 
 
 

Premium will be around Rs. 500 per month.

 
 
 

Also check if you have life insurance.

 
 
 

If not, get a term plan of Rs. 50 lakh.

 
 
 

Cost will be around Rs. 500 to Rs. 800 per month.

 
 
 

Avoid any ULIP or money-back plans.

 
 
 

Beginning Mutual Fund Investment
Start SIPs only after emergency fund and basic covers.

 
 
 

Target SIP of Rs. 2,000–3,000 per month to begin.

 
 
 

As your brother-in-law loan ends, increase SIP step-by-step.

 
 
 

Prefer well-managed active mutual funds.

 
 
 

Actively managed funds have professional fund managers.

 
 
 

They can outperform markets with expertise.

 
 
 

Index funds only mimic the market.

 
 
 

They do not react to changing trends.

 
 
 

This leads to limited alpha generation.

 
 
 

Actively managed funds offer better risk management.

 
 
 

Work with a Mutual Fund Distributor with CFP credentials.

 
 
 

They bring personalisation and regular review to your portfolio.

 
 
 

Direct mutual funds don’t offer this guidance.

 
 
 

Direct route also needs your time and market knowledge.

 
 
 

For salaried investors like you, guided support helps.

 
 
 

Your focus should be on building consistent long-term wealth.

 
 
 

Suggested Investment Allocation Once Loan Ends
Once brother-in-law loan is cleared, use that Rs. 23,000 well.

 
 
 

Split it into: Rs. 3,000 emergency fund, Rs. 2,000 insurance, Rs. 18,000 SIPs.

 
 
 

This will create strong financial muscle over time.

 
 
 

Avoid putting all in one type of fund.

 
 
 

Use a mix of large-cap, flexi-cap and hybrid funds.

 
 
 

Let a CFP-backed advisor design your fund mix.

 
 
 

Do not chase returns or trends.

 
 
 

Stay invested through ups and downs.

 
 
 

Review your SIPs yearly.

 
 
 

Increase them whenever your salary rises.

 
 
 

Avoiding Common Pitfalls
Do not take personal loans for investing.

 
 
 

Avoid credit card debt at all costs.

 
 
 

Do not try to time the market.

 
 
 

Avoid chit funds or unregulated schemes.

 
 
 

Avoid investing in schemes without proper reading.

 
 
 

Do not buy mutual funds from banks.

 
 
 

Bank executives sell based on their targets.

 
 
 

Always check if your advisor is a CFP.

 
 
 

Goal Setting Approach
Have clear goals before investing.

 
 
 

Are you saving for child, retirement, or wealth creation?

 
 
 

Write them down. Assign rough timelines.

 
 
 

This will help you choose right fund categories.

 
 
 

Having goals keeps you motivated to invest.

 
 
 

Stay away from FOMO-based investments.

 
 
 

Let your goals guide you, not markets.

 
 
 

Tax Consideration and Smart Planning
Use SIPs in equity mutual funds for tax efficiency.

 
 
 

Gains after one year are long-term capital gains.

 
 
 

You get exemption up to Rs. 1.25 lakh per year.

 
 
 

Beyond that, gains are taxed at 12.5%.

 
 
 

If redeemed before a year, STCG is taxed at 20%.

 
 
 

Don’t withdraw unless needed. Let compounding work.

 
 
 

Plan redemptions around goals to save tax.

 
 
 

Finally
You are in a decent position for your age.

 
 
 

Focus on clearing the family loan first.

 
 
 

Start slow and steady with SIPs.

 
 
 

Build emergency savings for confidence.

 
 
 

Protect yourself with health and term covers.

 
 
 

Work with a Mutual Fund Distributor having CFP qualification.

 
 
 

Avoid index funds and direct mutual fund route.

 
 
 

Keep your investments simple and long-term focused.

 
 
 

Avoid real estate or exotic products at this stage.

 
 
 

Regular saving with guidance will lead to stability.

 
 
 

You have already made smart choices. Now sharpen them.

 
 
 

Stay consistent and review yearly. You will see great results.

 
 
 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 29, 2019

Listen
Money
नमस्ते, मेरी उम्र 44 साल है & amp; ऋण की देनदारियों के अलावा, मुझे कभी-कभी एमएफ में निवेश करने का मन होता है, लेकिन वर्तमान परिदृश्य को देखते हुए; मेरे आस-पास जिन लोगों ने एमएफ में निवेश किया है वे तीन साल में नकारात्मक हो गए हैं या उनके निवेश से कम हो गए हैं।</p> <p>मुझे एमएफ में निवेश के बारे में सलाह चाहिए, जिसमें जिम्मेदारियों (बेटी की शादी और उच्च शिक्षा) और जिम्मेदारियों को देखते हुए 12-15 साल के क्षितिज के साथ रिटर्न संतुलित होना चाहिए (टैक्स बचाने वाला भी ऐसा कर सकता है)। उस पर खर्च.</p> <p>मेरे वेतन का एक बड़ा हिस्सा ऋण चुकाने में चला जाता है, लगभग 91435 रुपये प्रति माह, जो मेरी शुद्ध आय का 55 प्रतिशत है, इसलिए सलाह की जरूरत है कि वास्तव में एमएफ पर विचार करें या प्रतीक्षा करें क्योंकि देनदारियां अधिक हैं।&nbsp ;</p> <p>ये देनदारियां मेरे दो होम लोन (8800 रुपये की आय के साथ किराए पर और एक संपत्ति निर्माणाधीन है) और; एक कार ऋण.</p>
Ans: मौजूदा बाजार स्तर पर मल्टीकैप, फोकस्ड और मिडकैप में निवेश करना चाहिए।</p> <p>मल्टीकैप: वर्तमान स्तरों पर गुणवत्ता और पैसे के मूल्य को ध्यान में रखते हुए उपयुक्त विकल्प यूटीआई इक्विटी फंड, एक्सिस मल्टीकैप, मोतीलाल ओसवाल मल्टीकैप 35</p> <p>फोकस्ड: वर्तमान स्तरों पर गुणवत्ता और पैसे के मूल्य को ध्यान में रखते हुए उपयुक्त विकल्प एक्सिस फोकस्ड 25 और मोतीलाल ओसवाल फोकस्ड 25</p> <p>मिडकैप: वर्तमान स्तरों पर गुणवत्ता और पैसे के मूल्य को ध्यान में रखते हुए उपयुक्त विकल्प डीएसपी मिडकैप और एक्सिस मिडकैप</p> <p>ELSS: वर्तमान स्तरों पर पैसे के लिए गुणवत्ता और मूल्य को ध्यान में रखते हुए उपयुक्त विकल्प मोतीलाल ओसवाल लॉन्ग टर्म इक्विटी हैं &ndash; विकास</p>

..Read more

Ramalingam

Ramalingam Kalirajan  |8927 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Listen
Money
नमस्ते सर, मैं 38 साल का हूँ और 50 लाख रुपये के लिए MF में हर महीने 5 हज़ार रुपये निवेश करना चाहता हूँ। कृपया मार्गदर्शन करें क्योंकि मुझे इस बारे में बिल्कुल भी जानकारी नहीं है। मुझे कुछ निवेश शुरू करने की ज़रूरत है
Ans: यह बहुत बढ़िया है कि आप म्यूचुअल फंड (MF) में निवेश करने पर विचार कर रहे हैं! ₹50 लाख के लक्ष्य की ओर ₹5,000 के अपने मासिक SIP (व्यवस्थित निवेश योजना) के साथ शुरुआत करने के लिए यहां एक रोडमैप दिया गया है:

जोखिम सहनशीलता को समझें:

MF में अलग-अलग जोखिम स्तर होते हैं। इसका उत्तर दें: क्या आप संभावित रूप से उच्च रिटर्न के लिए कुछ अल्पकालिक उतार-चढ़ाव के साथ सहज हैं, या क्या आप कम लाभ के साथ गारंटीकृत रिटर्न पसंद करते हैं?
निवेश अवधि चुनें:

₹50 लाख का लक्ष्य रखते हुए, आप कितने समय तक निवेश करने को तैयार हैं? लंबी समय-सीमा बाजार में उतार-चढ़ाव को संतुलित करने की अनुमति देती है, जिससे संभावित रूप से बेहतर रिटर्न मिल सकता है।
फंड श्रेणी चुनें:

अपनी जोखिम सहनशीलता और अवधि के आधार पर, विचार करें:

डेट फंड (कम जोखिम): बॉन्ड में निवेश करें, जो स्थिर रिटर्न देते हैं लेकिन संभावित रूप से इक्विटी फंड से कम होते हैं।
संतुलित फंड (मध्यम जोखिम): स्टॉक और बॉन्ड का मिश्रण, जो जोखिम और रिटर्न क्षमता को संतुलित करता है।
इक्विटी फंड (उच्च जोखिम, उच्च लाभ): ऐसे शेयरों में निवेश करें जो संभावित रूप से उच्च रिटर्न देते हों, लेकिन बाजार में उतार-चढ़ाव के साथ।
SIP चुनें:

अपनी जोखिम प्रोफ़ाइल के आधार पर विभिन्न फंड श्रेणियों में 1-2 SIP चुनें।

..Read more

Ramalingam

Ramalingam Kalirajan  |8927 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024

Listen
Money
प्रिय महोदय, मेरी आयु 36 वर्ष है और मैं अपना MF/अन्य निवेश शुरू करने की योजना बना रहा हूँ। मैं नियमित रूप से फिक्स्ड डिपॉजिट में निवेश करता रहा हूँ और इससे अच्छी रकम बना ली है। मैं 5 साल में एक घर खरीदने की योजना बना रहा हूँ और साथ ही लंबी अवधि के लिए बचत भी करना चाहता हूँ। मैं हर महीने 60,000/- रुपये तक निवेश कर सकता हूँ और मुझे टैक्स के उद्देश्य से भी कुछ निवेश की आवश्यकता है। कृपया सलाह दें
Ans: यह बहुत बढ़िया है कि आप फिक्स्ड डिपॉजिट से परे अपने निवेश में विविधता लाने पर विचार कर रहे हैं। घर खरीदने के लिए 5 साल के अपने निवेश क्षितिज और अपने दीर्घकालिक बचत लक्ष्यों को देखते हुए, आप निम्नलिखित आवंटन पर विचार कर सकते हैं:
इक्विटी निवेश: दीर्घकालिक धन सृजन के लिए अपने मासिक निवेश का एक महत्वपूर्ण हिस्सा इक्विटी में आवंटित करें।
ऋण निवेश: स्थिरता और पूंजी संरक्षण के लिए ऋण साधनों में एक हिस्सा आवंटित करें, जो 5 वर्षों में आपके घर खरीदने के लक्ष्य के लिए उपयुक्त हो।
कर-बचत साधन: अपनी कर-बचत आवश्यकताओं को पूरा करने के लिए ELSS जैसे कर-बचत विकल्पों में निवेश करें।
सेवानिवृत्ति योजना: PPF या NPS जैसे दीर्घकालिक सेवानिवृत्ति-केंद्रित निवेशों पर विचार करें।
आपातकालीन निधि: अप्रत्याशित खर्चों के लिए एक तरल आपातकालीन निधि बनाए रखें।
नियमित समीक्षा: बदलते वित्तीय लक्ष्यों और बाजार स्थितियों के साथ तालमेल बिठाने के लिए अपने निवेश की नियमित समीक्षा करें और उसे समायोजित करें।

..Read more

Vivek

Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on Jun 20, 2024

Asked by Anonymous - Jun 18, 2024English
Listen
Money
नमस्ते सर, मैं 23 साल का हूँ, अभी-अभी स्नातक हुआ हूँ और अगले हफ़्ते अपनी पहली नौकरी शुरू करने जा रहा हूँ। मैं हर महीने लगभग 90 हज़ार कमाऊँगा और मैं अपने घर में रहता हूँ (इसलिए कोई किराया नहीं)। मैं MF में निवेश करने की योजना बना रहा हूँ, लेकिन मुझे नहीं पता कि कहाँ से शुरू करूँ या कितना निवेश करूँ। हमारा मासिक खर्च लगभग 20 हज़ार है और मेरे पास एक शिक्षा ऋण भी है जिसे मुझे जल्द ही चुकाना शुरू करना है। मेरा लक्ष्य 30 साल की उम्र से पहले 1 करोड़ बचाना है। कृपया मुझे बताएँ कि कहाँ निवेश करना है और कितना निवेश करना है।
Ans: नमस्ते, यह जानकर खुशी हुई कि आप इतनी कम उम्र में निवेश के बारे में रुचि रखते हैं
मान लें कि आपकी कर-पूर्व आय 90K है, तो कर और EPF के बाद आपको लगभग 80K मिलेंगे
यदि आपका घर का खर्च और शिक्षा ऋण 20K + 20K (मान लें) = 40K है, तो आपके पास 40K का निवेश योग्य अधिशेष है
आप नीचे दी गई रणनीति का पालन कर सकते हैं, जिसका मैं अक्सर युवा निवेशकों के लिए उपयोग करता हूँ:
मिड कैप - 30%
स्मॉल कैप - 30%
मल्टी कैप - 20%
आपातकालीन निधि (अवधि बीमा प्रीमियम, चिकित्सा बीमा प्रीमियम और यात्रा निधि का भुगतान) - 20%
यदि आप अगले 7 वर्षों तक ऐसा करते रहें और रास्ते में संपूर्ण आपातकालीन निधि का उपयोग करें, तो आप 30 वर्ष की आयु तक 13% XIRR पर 44 लाख रुपये जमा कर लेंगे।
कृपया ध्यान दें कि ये सुझाव आपके बताए गए लक्ष्यों और आपके द्वारा दी गई जानकारी पर आधारित हैं। अपने जोखिम सहनशीलता, समय सीमा और विशिष्ट वित्तीय लक्ष्यों को बेहतर ढंग से समझने के लिए व्यक्तिगत रूप से वित्तीय सलाहकार से परामर्श करना हमेशा एक अच्छा विचार है।

कृपया मुझे इस पर अपने विचार बताएं
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

..Read more

Ramalingam

Ramalingam Kalirajan  |8927 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 05, 2025

Asked by Anonymous - May 14, 2025
Money
I have an income of 1 lakh, i am 28 years old. My family has a personal loan of 5 lakhs and home loan of 12 lakhs pending. I want to start investing, risk appetite is medium. I also want to purchase a house. Currently i have savings of 1.5 lakhs. Currently i am chipping in some amount for loan closure. But largely i have 30- 40 k to save. Please advise MFs i should invest in or any other means also the bifurcation of amount in various SIPs.
Ans: At 28, you are young and have a strong financial future ahead.

Your income is stable, and your intentions are positive. Let us build a full plan around your current situation.

Income and Savings Snapshot
You earn Rs. 1 lakh monthly.

After helping with family loans, you can save Rs. 30,000–40,000.

You have Rs. 1.5 lakh in savings now.

You also plan to buy a house in future.

You are supporting your family’s personal and home loans.

Your risk appetite is medium. So balanced approach is ideal.

Loan Repayment: Step by Step View
Family personal loan of Rs. 5 lakh is short-term and expensive.

Home loan of Rs. 12 lakh is long-term. Interest is lower.

Support loan repayment, but don’t use all your savings.

Emergency fund is more important now.

Help only to the level where your savings are not wiped out.

Let family members also contribute proportionally if possible.

Focus more on investing than complete prepayment now.

Maintain a balance between debt support and wealth creation.

Emergency Fund Comes First
Emergency fund gives you stability. Target Rs. 2 lakh for start.

Right now, you have Rs. 1.5 lakh saved.

Keep this in bank FD or liquid fund.

Don’t invest this amount in risky funds.

Emergency fund is not an investment. It is protection.

Add Rs. 5000 monthly till you reach Rs. 2 lakh target.

Insurance Must Be in Place
You must take term insurance for at least Rs. 1 crore.

Premium is low at your age. Around Rs. 600–900 monthly.

This protects your family in case of any event.

Also take health insurance of minimum Rs. 5 lakh.

Even one hospital bill can disturb all your savings.

Don’t delay insurance. Do it before you start SIPs.

House Purchase Can Wait
Buying a house is a big emotional goal.

But don’t rush to buy with new loan now.

Your family already has Rs. 17 lakh total loan.

Take 4–5 years to build corpus first.

This will also increase your home loan eligibility.

Avoid overloading yourself with EMI at this stage.

Monthly Investment Plan – SIP Breakdown
You can save Rs. 30,000–40,000 monthly.

Start with Rs. 30,000 monthly investment.

Keep Rs. 5000 aside for emergency fund and insurance.

Invest Rs. 25,000 monthly through SIP in regular mutual funds.

Choose regular plans through a Certified Financial Planner.

Don’t go for direct mutual funds. You won’t get help or review.

Regular plans via MFD and CFP give better handholding and clarity.

Direct funds may appear cheap but lack personal guidance.

SIP Bifurcation Based on Risk and Goals
You have medium risk appetite. Mix of equity and hybrid is ideal.

Divide Rs. 25,000 like this:

Rs. 12,000 in large cap and flexi cap mutual funds.

Rs. 8000 in aggressive hybrid funds.

Rs. 5000 in mid cap fund for long-term growth.

Don’t use small cap funds now. Risk is high and volatility is more.

Review fund performance every year with a CFP.

Increase SIP amount as income grows.

Stick to the SIP even if market falls. That’s when wealth builds faster.

Tax Rules to Keep in Mind
Equity mutual fund gains above Rs. 1.25 lakh taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your tax slab.

You can use tax-saving mutual funds once your base is ready.

Don’t over-rely on ELSS initially. Your focus now is growth and stability.

Goals: Short-Term and Long-Term View
Short-term: Build emergency fund and support family loans.

Medium-term: Start SIP and create Rs. 10–15 lakh in 5–7 years.

Long-term: Buy your house in 7–8 years with good down payment.

Very long-term: Start planning for retirement by age 35–40.

You can target Rs. 2 crore wealth by age 45 if you continue SIPs.

Investment Discipline and Strategy
Don’t stop SIPs midway unless it is an emergency.

Always invest through a Certified Financial Planner.

Don’t trust random social media tips.

Avoid ULIPs, endowment and money-back insurance policies.

If you ever buy such policies, surrender and shift to mutual funds.

Don’t go for index funds. They copy market blindly.

Index funds do not protect from sudden market falls.

Actively managed mutual funds can change strategy when market changes.

With proper review, they give better risk-adjusted returns.

Other Points to Remember
Don’t touch your mutual fund investments for short-term use.

SIPs are for long-term wealth building, not emergency use.

Review your investments once a year.

Don't compare returns with friends or market gossip.

Every investor has a different situation and goal.

Focus on your own financial story.

Increase your income slowly through career growth.

Any bonus or side income can be used to boost SIPs.

Wealth is built through habit, not high returns alone.

Final Insights
You are in the right stage to begin investing seriously.

Start with strong base: emergency fund, insurance, and discipline.

Don’t run behind fast returns or house purchase now.

Stick to mutual fund SIPs and grow step-by-step.

Keep reviewing your plan every year with a Certified Financial Planner.

Avoid risky products and quick-return promises.

Your current savings and SIPs will give strong wealth over time.

Be patient. Wealth creation takes 10–15 years of steady investing.

You are already ahead by thinking smart at 28.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

नवीनतम प्रश्न
Nayagam P

Nayagam P P  |6442 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2025

Career
Hello Sir,My son got Cse in Manipal bangalore and Cs with business systems in Vit vellore..his comedk rank is 12.8k and .his jee percentile is 92.8 ....we are from delhi..plz reply..which should we prefer or wait for thapar and ipu counselling...in 4th round he may get cs in msit or thapar derabssi campus..
Ans: Your son’s CSE admission at MAHE Bengaluru (Manipal Bangalore) offers centralized placements with 339+ recruiters, achieving 90–95% placement rates over the past three years and median packages around ?8.9 LPA in CSE. VIT Vellore’s B.Tech CSE with Business Systems delivers 100% placement participation, supported by 409 recruiters and an average package near ?9.9 LPA, integrating TCS collaboration and industry?aligned curriculum in data analytics and systems. MSIT Delhi’s CSE closing ranks (~2,009 General) make a 4th round seat unlikely with your son’s COMEDK rank of 12.8 K, but Thapar Derabassi CSE admits up to rank ~12,000–14,000 with 76–80% placements and strong software core recruitment. IPU counselling could yield Indraprastha CSE options with ~85% placements, though branch?wise consistency varies. Considering Delhi domicile and immediate seat security, VIT Vellore CSE-BS ensures guaranteed admission and robust placement depth, Manipal Bangalore CSE offers broader tech recruiter access and campus ecosystem, while Thapar Derabassi serves as a tertiary backup in later rounds. Recommendation: Accept VIT Vellore CSE-BS now for assured seat and strong outcomes, pursue Manipal Bangalore CSE if priority is diverse recruiter reach, and consider Thapar Derabassi CSE only if preferred branches remain unfilled in subsequent counselling. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6442 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2025

Career
Sir, My son got Thapar COE and Manipal Main campus CSE. He will also get admission in top 5 colleges(CBIT, VNR Vignan jyothi etc) based on Telangana EAPCET rank. We are from Hyderabad. Please suggest which is best option.
Ans: Nagavardhan Sir, Thapar Institute of Engineering and Technology’s CSE program records an 83% placement rate for the 2023 UG batch with 334 recruiters making 1,884 offers and consistent sector diversity including IT, consulting, and electronics. Manipal Institute of Technology (Main campus) CSE has achieved 77% placements so far in 2025 driven by over 230 recruiters across core IT, engineering, and analytics roles with a median salary of ?9.69 LPA and 92.9% in 2023–24 rounds. Among Hyderabad options, CBIT yields a 71% placement rate with 140+ companies and a median package of ?6 LPA, while VNR VJIET boasts over 90 recruiters and more than 90% placement consistency in CSE branches across the last three years. For a Hyderabad domicile, Thapar offers stronger CSE outcomes but requires relocation; Manipal provides balanced national brand value and campus experience; CBIT and VNR grant local convenience with moderate-to-high placement density. Recommendation: Opt for Manipal Main campus CSE for its brand recognition, balanced 77%–93% placement density, and national recruiter reach—choose Thapar CSE only if proven campus fit outweighs relocation factors. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6442 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2025

Nayagam P

Nayagam P P  |6442 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2025

Asked by Anonymous - Jun 14, 2025
Career
Sir, My son got SRM KTR electronics and computer engineering and VIT AP CSE core category 3. Of the 2 which is better.. he is not particular about the branch. Pl guide. Which university is better and it's job opportunities?
Ans: Both SRM Kattankulathur (KTR) and VIT-AP are well-established private universities with strong placement records and national accreditations. SRM KTR’s Electronics and Computer Engineering program is NAAC A++ and ABET accredited, with 80–85% placement rates, over 980 recruiters in 2024, and 5,546+ offers, including top companies like Microsoft, Google, Amazon, and TCS; the program offers a blend of electronics and computing, opening core and IT job profiles. VIT-AP’s CSE (Category 3) is highly sought after, with 90%+ placements, 904+ recruiters, and average packages trending upward, especially in CSE, with roles at Google, Microsoft, Amazon, and Infosys; VIT-AP is recognized for its flexible curriculum, international collaborations, and rapid growth in rankings. Both universities offer modern infrastructure and global exposure, but VIT-AP’s CSE core provides broader tech sector opportunities and higher placement density, while SRM KTR’s ECE offers interdisciplinary flexibility. Recommendation: Prefer VIT-AP CSE (Category 3) for maximum job opportunities and tech-industry alignment, with SRM KTR ECE as a strong alternative for those interested in both electronics and computing. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x