नमस्ते। श्री सुनील जी मैं एस सी. प्रभु, मैं 1 मई 2023 को 60 वर्ष की आयु में सेवानिवृत्त हो जाऊंगा। मेरे बचत बैंक में कुल बचत निधि 33 लाख रुपये है। बीमार इकाई के कारण कंपनी ने पिछले 10-11 वर्षों से पीएफ राशि जमा नहीं की है। कोई ग्रेडिटी भी नहीं है, इसलिए मेरी कंपनी से शून्य एएमटी की उम्मीद है। इसलिए कृपया आप मुझे बताएं कि इस राशि को कैसे और कहां निवेश करना है ताकि मैं अपना और अपने परिवार का गुजारा कर सकूं।

Ans: Hello Sovan
if you are from general category then chances will be tough for govt seat.

Ans: Hello
if she is interested in B.Tech, try for private univ & colleges.

Ans: Hi
The top is NIT Calicut, Trichy. Then SPA Bhopal & Vijayawada.

Ans: Hi
Govt Medical College will be very tough with these marks.

Ans: Prioritize Bennett University for its exceptional placement record and industry partnerships. UPES Dehradun is a close second with strong CSE placements. GL Bajaj is a solid choice for IT, while Manipal Jaipur is suitable if you're inclined towards Electrical and Computer Engineering. All the BEST for your Admission & Prosperous Future!

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Ans: With a 98 percentile in JEE Main 2025 (approximate rank: 30,000) and an expected 120 marks in JEE Advanced (estimated rank: 10,000–20,000), your son has promising opportunities to pursue Electronics and Communication Engineering (ECE).
CollegeDekho

In IITs, ECE may be attainable in newer institutes like IIT Bhilai, IIT Goa, IIT Jammu, IIT Jodhpur, IIT Palakkad, and IIT Tirupati. For NITs, options include NIT Raipur, NIT Patna, NIT Jalandhar, NIT Hamirpur, NIT Agartala, and NIT Meghalaya. IIITs such as IIIT Una, IIIT Bhagalpur, IIIT Kottayam, IIIT Ranchi, and IIIT Dharwad also offer ECE programs. Additionally, GFTIs like Assam University (Silchar), Puducherry Technological University, and Ghani Khan Choudhary Institute of Engineering & Technology (West Bengal) are viable options. However, please fill out maximum number of your son's preferred choices/branches. All the BEST for your son's Admission & Prosperous Future!

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Ans: Aditya, With an 85 percentile in JEE Mains and 95.4% in 12th boards, securing Computer Engineering at Thapar Institute of Engineering and Technology (TIET) is unlikely, as the expected cutoff for outside Punjab candidates is around 94.47 percentile. However, branches like Electronics & Communication Engineering (ECE) or Electrical and Computer Engineering (EEC) may be attainable.
Collegedunia
Adarsh Barnwal
+2
Collegedunia
+2
Collegedunia
+2

Chandigarh University (CU) offers strong placement opportunities, with the highest domestic package reaching ?54.75 LPA and over 900 recruiters participating in the placement drive. Admission into CU's CSE program is highly probable given your scores.
Shiksha
+3
Shiksha
+3
PagalGuy
+3

At Jaypee Institute of Information Technology (JIIT), Noida, the closing rank for CSE is around 51,000 (approximately 95 percentile), making admission less likely with your current percentile.

Recommendation: Prioritize Chandigarh University for CSE due to its robust placement record and higher likelihood of admission. Consider TIET for alternative branches like ECE or EEC, and explore other institutions where your percentile aligns with the cutoff requirements. All the BEST for your Admission & Prosperous Future!

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Ans: You are facing a very common challenge. Many earn well but struggle to save. The good part is that you are aware and looking for a solution. That’s the first important step.

Let me now give you a 360-degree analysis and practical advice to help you manage better.

 
 
1. Monthly Income and Expense Breakdown

Your salary is Rs. 78,000 per month.
 
 

House rent is Rs. 20,500.
 
 

EMI for one loan is Rs. 17,000.
 
 

Other EMIs total Rs. 15,000.
 
 

Monthly living expenses are Rs. 15,000.
 
 

After these, almost nothing is left.
 
 

There is no saving happening right now. But small adjustments can bring big changes.
 
 
2. Rent Expense Evaluation

Rent is the biggest cost. Rs. 20,500 is over 26% of your income.
 
 

Ideally, rent should not exceed 20% of income.
 
 

Check if slightly cheaper home is available.
 
 

A Rs. 3,000 to Rs. 4,000 saving in rent helps.
 
 

Shifting may feel hard. But it gives monthly relief.
 
 

Stay near public transport to reduce travel cost also.
 
 

Even small rent change brings long-term benefits.
 
 
3. EMI Consolidation Strategy

You have Rs. 32,000 total EMI every month.
 
 

This is over 40% of your income. That is too high.
 
 

Ideally, EMI should be under 30% of income.
 
 

Check if some loans are high-interest short-term loans.
 
 

If possible, combine all EMIs into one with lower interest.
 
 

Talk to your bank about loan consolidation options.
 
 

Even 2–3% interest reduction will help monthly cash flow.
 
 

Loan restructuring gives breathing space.
 
 
4. Monthly Expenses Assessment

You spend Rs. 15,000 monthly for all needs.
 
 

This looks reasonable, but break it down category-wise.
 
 

Note how much goes to groceries, mobile, subscriptions, fuel, etc.
 
 

Use a simple mobile app to track. Or a paper log.
 
 

You may find Rs. 1,000–2,000 saving opportunity easily.
 
 

Cancel unused services like OTT or apps.
 
 

Prepare weekly shopping list. Avoid impulse purchases.
 
 

Every rupee saved adds up.
 
 
5. Surrender Low-Return Insurance Policies (if any)

Do you hold any LIC, ULIP or endowment plan?
 
 

These plans mix insurance with investment. They give poor returns.
 
 

If held for more than 3 years, check surrender value.
 
 

If suitable, surrender and reduce premium load.
 
 

Take separate term insurance if not already done.
 
 

Reinvest in SIP when your cash flow improves.
 
 

This step will free up space in your budget.
 
 
6. Start Emergency Fund, Even Small

You may feel saving is impossible now.
 
 

But even Rs. 500–1000/month is a start.
 
 

Keep this money in a separate savings account.
 
 

Don’t touch unless it’s urgent.
 
 

Over time, it builds up to 3–6 months of expenses.
 
 

Emergency fund avoids fresh loans in future.
 
 

Even small savings matter. Start tiny, but stay regular.
 
 
7. Avoid New Loans or EMI Purchases

Say no to credit card EMIs or online EMIs.
 
 

These temptations disturb cash flow and cause stress.
 
 

If you need anything, plan and save first.
 
 

Delay buying until you have money.
 
 

EMI-free life feels peaceful and light.
 
 

Self-control today brings freedom tomorrow.
 
 
8. Health and Life Insurance Priority

Health emergency can break your finances.
 
 

Take a personal health insurance cover.
 
 

Group cover from employer is not always enough.
 
 

Also take a low-cost term life insurance.
 
 

Do not mix insurance with investments.
 
 

Term plan protects family. Premium is affordable.
 
 

Insurance is not optional. It’s your safety net.
 
 
9. Don’t Rely on Index Funds or Direct Mutual Funds

Some people suggest index funds or direct plans.
 
 

But these lack personalised support and active review.
 
 

Index funds don’t beat inflation in long term.
 
 

Direct funds don’t guide you in market changes.
 
 

Use actively managed mutual funds.
 
 

Invest through a Mutual Fund Distributor backed by a Certified Financial Planner.
 
 

Proper advice gives proper results.
 
 
10. Set a 3-Step Goal Plan

Step 1: Get control of monthly spending.
 
 

Step 2: Reduce EMIs or consolidate loans.
 
 

Step 3: Start small savings. Build emergency fund.
 
 

Once your cash flow improves, you can add SIPs.
 
 

Even Rs. 2,000/month SIP can build wealth slowly.
 
 

Long-term discipline matters more than short-term sacrifice.
 
 
11. Talk to a Certified Financial Planner

You don’t have to figure it all alone.
 
 

Certified Financial Planners can review your full profile.
 
 

They guide step-by-step based on your goals.
 
 

You get help with loan restructuring, budgeting and investing.
 
 

Regular plan reviews give better direction.
 
 

Guided support gives better results than guesswork.
 
 
Finally

Your situation is difficult but not unfixable. You are not alone. Many professionals earn well but have tight budgets. You are aware. That’s the key strength.

Now you need to make few lifestyle and financial changes. Nothing happens overnight. But over 6–12 months, you can turn things around.

Build better habits. Spend less than income. Don’t take more loans. Start even the smallest savings.

Once you’re stable, shift focus to long-term investments. Work with a Certified Financial Planner to guide you along the journey.

You’ll find peace, progress and purpose.

 
 

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

Ans: With 187 marks in JEE Advanced 2025, your estimated Common Rank List (CRL) position would likely fall between 2,600 and 3,500, based on previous years' data. This rank range may limit access to the most sought-after branches like Computer Science and Engineering (CSE) at the top 7 IITs.

However, you have strong prospects in other branches:

IIT Bombay: Mechanical Engineering (closing rank ~1,685), Civil Engineering (~4,046)

IIT Delhi: Mechanical Engineering (~1,774), Civil Engineering (~4,108)

IIT Madras: Mechanical Engineering (~2,302), Civil Engineering (~5,525)

IIT Kanpur: Mechanical Engineering (~2,776), Civil Engineering (~5,948)

IIT Kharagpur: Mechanical Engineering (~3,294), Civil Engineering (~7,177)

IIT Roorkee: Mechanical Engineering (~3,504), Civil Engineering (~6,144)

IIT Guwahati: Mechanical Engineering (~4,200), Civil Engineering (~7,100)

These branches offer excellent academic and career opportunities. Additionally, consider newer IITs like IIT Hyderabad, IIT Indore, or IIT Mandi, where CSE and other popular branches might be accessible within your rank range. Participate actively in the JoSAA counseling process, as seat allocations can vary each year based on applicant preferences and seat availability. All the BEST for your Admission & Prosperous Future!

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