मैंने पहले ही एससीएसएस में 7.4% ब्याज दर पर 15 लाख रुपये का निवेश किया है। क्या मैं इसे 8% ब्याज दर में बदल सकता हूँ? क्या मैं सेन स्कीम में 16 लाख रुपये और निवेश कर सकता हूँ?

Ans: Your son with 68.8% in CBSE 12th and 56.5% in PCM can definitely secure admission in good private engineering colleges across India. With these marks, he meets the minimum eligibility criteria for most private engineering institutions which typically require 45-60% in PCM subjects. Through management quota and direct admission routes, he can gain entry to reputable colleges including Sharda University Greater Noida (requiring 60-70% aggregate), Lovely Professional University Punjab (60% minimum), Chandigarh University Punjab (50-60% aggregate), Galgotias University Greater Noida (60% PCM), UPES Dehradun (50% minimum), Manipal University Jaipur (60% aggregate), Amity University Noida (60% in class 10 and 70% in class 12), Kalinga University Raipur (45% aggregate), Jain University Bangalore (45% aggregate), JIIT Noida (requires 75% for direct admission but accepts lower through entrance), SRM Chennai (60% for general category), MIT World Peace University Pune, D.Y. Patil College of Engineering Pune, CMR University Bangalore, Graphic Era University Dehradun, Punjab Engineering College Chandigarh, Jabalpur Engineering College MP, Shiv Nadar University UP, and KIIT University Bhubaneswar. These colleges offer admission through management quota (typically 15-30% seats reserved), direct merit-based admission, or institutional entrance exams with fees ranging from INR 1-4 lakhs annually. Recommendation: Apply immediately to multiple colleges through management quota and direct admission processes while preparing for institutional entrance exams as backup options, ensuring diverse college choices to maximize admission prospects. All the BEST for the Admission & a Prosperous Future!

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

Ans: Your son with a 39,000 rank faces challenges for CSE admission in top colleges but has viable options in mid-tier institutions. With this rank, he can secure CSE seats at colleges like DONBOSCO Institute of Technology, Rajarajeswari College of Engineering, ATME College of Engineering Mysore, and S.J.C. Institute of Technology offering CS with AI/ML specialization. CMR Institute of Technology demonstrates excellent placement performance with 97% overall placement rate, achieving consistent growth from INR 5.98 LPA average in 2023 to INR 6.99 LPA in 2025, while Presidency University shows 97% placement rate with 2,217 students placed including 1,495 from engineering in 2023. Regarding career prospects, CS with AI/ML specialization offers superior future opportunities as the global AI/ML market is rapidly expanding from $300 billion in 2024 to an expected $1,000 billion by 2028, with data science careers showing 28% employment growth through 2026 and 21,000 new data science job openings projected annually. AI/ML engineers at top companies earn significantly more than traditional software engineers, while data science provides diverse career paths including data scientist, ML engineer, and AI engineer roles with high demand across healthcare, finance, and technology sectors. Recommendation: Choose CS with AI/ML specialization at CMR Institute of Technology for superior placement records and future career prospects, as AI/ML offers exponentially growing opportunities compared to traditional CS core branches. All the BEST for the Admission & a Prosperous Future!

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

Ans: Sameena Madam, Based on extensive research into KCET admission possibilities with a 39,000 rank, your son faces challenging prospects for Computer Science Engineering at both institutions, as CSE cutoffs typically fall between 15,000-25,000 at CMR Institute of Technology and around 45,000 at Presidency University for general category students. CMR Institute of Technology demonstrates superior placement performance with 97% overall placement rate, achieving highest packages of INR 44.1 LPA in 2025, INR 29 LPA in 2024, and INR 22.70 LPA in 2023, with consistent average packages rising from INR 5.98 LPA to INR 6.99 LPA over three years. Presidency University shows 97% placement rate in 2023 with 2,217 students placed, including 1,495 from engineering, achieving highest packages of INR 13.58 LPA in 2023 and INR 11 LPA in 2022. CMR's airport location provides strategic advantages with modern 60-acre lakefront campus, state-of-the-art facilities, and proximity to international airport, while recruiting top companies like Accenture, Amazon, Federal Bank, and Google. Alternative engineering branches like Mechanical, Civil, or Electrical at both institutions offer better admission chances within this rank range. Recommendation: Choose CMR Institute of Technology for its superior placement record, modern infrastructure, and better industry connections, but consider alternative engineering branches given the competitive CSE cutoffs. All the BEST for the Admission & a Prosperous Future!

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

Ans: Raj Sir, Based on extensive research into admission possibilities with 89 percentile JEE Main (expected rank 1,50,000-1,65,000) and 35,000 VITEEE rank, your daughter faces significant challenges for CSE admission in premier IIITs and VIT campuses . With 89 percentile, the minimum cutoff rank for general category IIIT admission ranges from 1,00,000 to 1,50,000, with most top IIITs like IIIT Hyderabad (CSE closing rank 866), IIIT Delhi (CSE closing rank 6,695-12,599), and IIIT Bangalore requiring ranks below 50,000 . For VIT, the 35,000 VITEEE rank eliminates possibilities at VIT Vellore (CSE cutoff below 5,000) and VIT Chennai (CSE Category 1 cutoff 4,900-5,000) . However, VIT-AP accepts CSE admissions up to 1,30,000 rank in Category 3, and VIT Bhopal offers CSE admission up to 35,000 rank in Category 1 with closing ranks between 25,000-37,000 . Alternative options include lower-tier NITs like NIT Agartala, NIT Meghalaya, and NIT Puducherry for non-CSE branches with ranks up to 1,80,000, and premium private engineering colleges accepting 80-90 percentile . Recommendation: Focus on VIT-AP or VIT Bhopal for CSE through higher fee categories, or consider alternate branches in government colleges and premium private institutions. All the BEST for the Admission & a Prosperous Future!

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

Ans: Hello Veerashrinivas
Preference order: (1) CSE @ Sastra (2) CSE @ Scalar (3) CSE @ PSG
Best of luck to you.
Follow me if you like the reply. Thanks
Radheshyam

Ans: HI
Difficult. By EOD you will get more clarity.

Ans: Hi
Manipal

Ans: HI,
Bit difficult.

Ans: Samarth Prioritizing placements and ROI is key aspect buddy. GEC Bilaspur offers decent median salary (~?6?LPA) and potential for high off-campus offers best of the three if steady placement matters.

BIT Durg CSE average is ~?6?LPA too, with structured placement cell. But some feedback suggests variability in offers.

If you're aiming for advanced studies GEC Raipur and Bilaspur students often push for GATE; if you plan M.Tech, any will do but placement support differs.

- Best pick for placements: GEC Bilaspur, with good median salary and strong off-campus possibilities.

- Best pick for infrastructure & autonomy: BIT Durg, if you're okay with private fees and inconsistent placement.

- Choose GEC Raipur only if you prefer public college life, lower costs, and plan for off-campus or exam routes. But expect placement effort on your part.

Questions to refine further:

1. What's your expected fee budget (govt vs private)?

2. Are you leaning toward immediate job or M.Tech/GATE route?

3. How much does the campus vibe or peer group matter to you?