Home > Career > Question
Need Expert Advice?Our Gurus Can Help

Mechanical Engineer with 1-Year Reliance Refinery Experience Seeks Job After Family-Driven Career Change: What's Next?

Maxim

Maxim Emmanuel  | Answer  |Ask -

Soft Skills Trainer - Answered on Jun 16, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more
Mohammad Question by Mohammad on May 29, 2024Hindi
Listen
Career

I'm b.tech mechanical engineering student.. pass out in 2021 and I have 1 experienced in reliance refinery plant in Gujarat..but now some family issues..i will switched the job.. then now no job..so help me sir

Ans: I believe I have replied to you earlier, please check my earlier reply!?

However if you need professional advice happy to assist!

https://m.me/maxim.emmanuel.2024
Career

You may like to see similar questions and answers below

Nayagam P

Nayagam P P  |10898 Answers  |Ask -

Career Counsellor - Answered on Nov 06, 2025

Asked by Anonymous - Nov 01, 2025Hindi
Career
Dear sir /Madam My name is Bisal from West Bengal.I m35 years old.I did normaly Plain graduate honours degree.I had experience with automobile sector and others field. I have keen interest on automobile sector.but currently last 5 years i engaged my profession with government sponser low income duty as a civic volunteer in west bengal that jobs neither increase salary nor promotion and we also used for leading party duty under police department and also pressurized filthy language by senior officer. I have decided many times to quit this job but friends family told me that is government job little bit pressure but still secure job for 60 years of age..but now i m feeling very depressed about my career sometimes i think can switch the job and learning automobile engineering and started new career or others locals job.. therefore i requested you to guide me as soon as possible.. because i marrying soon and therefore no cance to move .
Ans: Career transitions at age 35 are increasingly common and successful in India, particularly when transitioning from stressful government positions to passion-aligned sectors. The automobile industry in India is experiencing significant growth, with the EV sector projected to expand at 20% CAGR (compound annual growth rate) through 2030, creating substantial employment opportunities for mid-career professionals with technical qualifications.?
Option 1: Short-Term Diploma/Certificate in Automobile Technology (Recommended). Timeline: 6-12 months | Investment: INR 50,000–1.5 lakh | Salary Trajectory: INR 2–4.5 LPA immediately; INR 5–8 LPA within 3 years. This route is your fastest, most practical path given marriage timelines. Rather than pursuing a full 4-year B.Tech, enroll in a Polytechnic Diploma in Automobile Engineering or Certificate courses in EV Technology or Automotive Repair & Maintenance (available as 6-month accelerated programs across West Bengal institutions). Your existing work experience and administrative background provide maturity that employers value—essential for employment at 35+.? WBengal's automobile industry actively recruits EV technicians, automotive service advisors, and mechanics. CCurrent job postings in Kolkata and Hooghly offer monthly positions for diploma-qualified technicians with salaries ranging from INR 9,000 to 25,000. Major employers include Cummins Inc., Bhandari Automotive, and emerging EV manufacturers in Chunchura. Government initiatives like PM-KAUSHAL VIKAS YOJANA and NASSCOM's skill development programs offer mentorship and potential startup funding (up to INR 2–5 lakhs) for establishing small service-based businesses post-employment.? Option 2: Lateral Entry into Automotive Service Management. Timeline: Immediate (3–6 months) | Investment: Minimal (INR 10,000 for certification) | Salary: INR 4–6 LPA; management roles: INR 8–12 LPA within 3 years. Your five years of government administration, stakeholder management, and civic volunteer experience represent directly transferable skills for managing automotive dealerships and service centers. Companies like Maruti Suzuki, Hyundai, and Toyota actively recruit managers with administrative discipline and operational expertise.?
Complete an online ISO automotive certification or 6-8 week basic automotive management course (INR 5,000–15,000). West Bengal dealerships currently recruit for Service Managers and Automotive Service Advisors positions. This pathway allows faster salary growth while you simultaneously explore entrepreneurship—dealership partnerships or authorized service centers become feasible within 3–5 years of management experience.?
Option 3: Hybrid Approach—Immediate Income + Skill Development. Timeline: Immediate | Investment: INR 30,000–50,000 | Income: INR 2–4 LPA while studying; scaling to 5–8 LPA post-diploma. Begin freelance automotive consulting or digital marketing for automobile dealers (2–3 hours daily) via platforms like Upwork, Fiverr, and LinkedIn while enrolling in part-time or weekend diploma programs. This generates supplementary income before marriage while building your professional portfolio and funding your education.?
Simultaneously explore government entrepreneurship schemes: NASSCOM startup mentorship, DDU-GKY program, or West Bengal state-level initiatives offering business loans up to INR 5 lakhs for automotive service ventures.?
Addressing Mental Health—Essential Priority: YOur depression and workplace stress require immediate professional attention rather than postponement. PPlatforms like Click2Pro, TalkToAngel, and Manochikitsa offer online career therapy combined with mental health counseling for INR 500–1,500 per session, with many providing structured 4–6 week packages specifically designed to address career-transition anxiety. Professional guidance clarifies decision confidence before marriage discussions and ensures psychological resilience during transition.? Recommendation: Pursue Option 1 (Diploma) + Option 3 (hybrid income) simultaneously. Please consider enrolling in a short-term diploma starting next month, generating supplementary freelance income immediately, and exploring government startup schemes. This integrated strategy: maintains financial stability during marriage preparation, positions you for INR 5–8 LPA roles within 18–24 months, and establishes a practical pathway toward entrepreneurial goals within 3–5 years post-marriage. Simultaneously, seek professional mental health counseling to address depression and enhance psychological clarity for the significant life decisions that lie ahead. Accordingly, it would be prudent to maintain your current employment until you have thoroughly evaluated and committed to one of the three pathways outlined and are confident of achieving sustainable career satisfaction and financial stability. All the BEST for Your Prosperous Future!

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

..Read more

Latest Questions
Ravi

Ravi Mittal  |694 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 27, 2026Hindi
Relationship
My family is pressurising me to get married to a girl I am not interested in. I am 36 and the girl is 28. I am traditional, old school and she looks younger, the partying, late night kinds. She is very active on social media. In fact, she was very judgemental about my clothes and totally non-committed about relationships when we spoke in our first meeting. I can say with confidence that our vibes don't match but my parents don't seem to understand my expectations. There was no formal engagement but my parents are proceeding with the marriage formalities because our parents are business partners. They feel I am overthinking and overreacting. I feel like no one is listening to me, what I want, including my grandparents. What should I do? I want to run away from all this drama.
Ans: Dear Anonymous,
I understand your concern and how difficult it is sometimes to convince family members about our feelings. Please have one on one conversations with your parents. Instead of sitting with both parents, speak to them individually. Ask them direct questions based on realistic examples, like, “She enjoys partying and I don’t. What if that leads to a huge fight and in the end, divorce?” “What if we never love each other and stay in an unhappy marriage?” This might help them imagine the situation a little better. Next, speak to the girl. Ask her what she feels about this marriage, if she would be able to adjust and eventually love you. Ask her if she is okay with a lifetime of adjustment and compromise. Have an honest conversation; don’t try to convince her to break the marriage, rather have a clear discussion and see how she feels about this honestly. I am sure this will help you in the situation.

Hope this helps.

...Read more

Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 25, 2026Hindi
Money
Hello, I have been investing in mutual funds using regular plans. Recently couple of my friends have been pushing me to stop SIPs and investments for Regular plans and go in with Direct plans. While I understand that the commissions that I pay to the financial advisor is considerable, I want to understand typically what how much am I losing by not investing in Direct plans. I read in a Sample report of an RIA that I will be losing around 15% due to regular plans. Is it a real thing? any thoughts about it? The inputs provided by my mutual fund distributor are good, but I do feel that I can also invest in flexi funds and achieve the same results. Kindly share your inputs.
Ans: Hi,

Yes there is a difference between regular and direct plans.
Direct plans are for people who have a very good understanding and can manage their portfolio. But even those people need an advisor at some point once their portfolio grows into lakhs and crores.
Hence it is always better to go for regular plans from the start as an early guidance helps you achieve your goals in a more planned way.

Choosing a wrong direct plan can adversely affect the portfolio and instead of saving 1% on commissions, one may end up losing upto 10% on an yearly basis.
Also choosing some random plans such as flexicap along with your regular portfolio is not a good idea. An advisor critically measures your profile and work accordingly.
It is always better to listen to your advisor.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I am 41 yrs old working as a Senior Manager in PSB, living with my wife and no children. Due to work pressure, Stress, Transfer posting , etc. i am planning for semi-retirement at the middle of this year. Kindly advice is it too risky or fine to retire with my Asset & Liabilities as below ASSETS 1. NPS: 32.00 lakhs 2.Mutual Fund & Stock: 25.00 lakhs 3. FD: 16 Lakhs 4. Land: 40.00 lakhs 5. PPF: 3.5 lakhs LIABILITIES Car loan: 3.5 lakhs,EMI:7000/- After retirement I am planning for Banking & Financial consultancy business and DSA with Bank (Earning: Unpredictable). My current monthly expanses is Rs.50000/- per month. Living in Urban area.
Ans: Hi,

Your current assets are not sufficient for you to leave your job currently.
However, setup the business along with your job and then check the status after 6 months. If you are able to earn more than your expenses, you can consider getting retirement.
But make sure to have enough savings for other financial goals such as travel , health, other major liabilities etc.

You need atleast assets worth 1.1 crores in mutual funds for you to retire to fund your retirement forever (assuming xirr 11% pa.)

Hence try setting up a business side by side. And increase your investments in mutual funds substantially with help of a professional to get it aligned with your plans.

Consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |514 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Jan 28, 2026

Money
Hi Guru, I'm 43 Yrs old and investing in SIPs since last 4 years in the following - 1. SBI Small Cap Regular plan Growth - 5,000 2. ICICI Prudential Value Fund - 10,000 3. Motilal Oswal mid Cap fund - 5,000 4. Kotak Flexicap fund Regular Plan growth - 10,000 I also have the following policies - 1. ICICI Prudential Smartlife RP (ULIP) - 10,000 Per Month 2. Kotak Assured Savings Plan - 13,433 Per Month. Please check and let me know if everything is ok or else help me with any other SIPs or Policies. Many Thanks in Advance ..! Suresh G
Ans: Hi Suresh,

It is good that you have built a discipline for investing over the past 4 years.

The SIP funds you mentioned are good for long term, but selection can be improved more to generate better returns in alignment to your long term goals. You can try including large cap fund and make changes accordignly. Or choose to connect with a professional who will help you in improving fund selection.

The policies mentioned are not recommended to continue. Policies like this have a cagd of 5-6% annually when calculated accurately which is even less than FD. Hence you may choose to surrender and close these and redirect the investments into mutual funds for better returns and performance.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Ramalingam

Ramalingam Kalirajan  |10998 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 28, 2026

Money
Considering current and future economic and situations, between fixed or floating home loan, which is better ? I'm going to take home loan from HDFC Bank for around 40 to 45 lakhs for 15 yrs. Pls suggest me also tell me what terms needs to be checked in loan agreement before signing
Ans: Appreciate your intent to choose the right loan structure with clear thinking. Choosing between fixed and floating rate for a home loan of around Rs 40–45 lakhs for 15 years is a big financial decision. It can impact your monthly cash flow, overall cost, and peace of mind.

» Difference between fixed and floating interest rates
– Fixed rate means your interest rate stays the same throughout the chosen fixed period. Your monthly EMI does not change during that period.
– Floating rate means the interest can go up or down with market benchmarks like the repo rate or bank’s internal benchmarks. Your EMI or loan tenure may adjust when rates change.

» What current and future economic conditions mean
– Interest rates globally and domestically have seen rises due to inflationary pressure, central bank policy tightening, and costlier funds for banks.
– In a rising rate scenario, fixed rates protect you from future rate hikes.
– In a falling or stable rate scenario, floating rates may cost less over time.

» Why floating rate usually works well for 15-year loans
– Floating rate typically starts lower than fixed rate, giving you initial cost advantage.
– Over long horizons, banks may adjust rates downward when economic pressure eases.
– You retain flexibility to prepay or refinance when rates soften.
– Many borrowers pay lower total interest with floating when rates stabilise.

» When fixed rate can be appropriate
– If you prioritise certainty of EMI and peace of mind even if rates rise in future.
– If you are not comfortable with EMI changes in your monthly budgeting.
– If your income is tight and you prefer predictable cash flows.

» Practical view for your case
– With a 15-year term and current rate cycle, floating rate is generally more suitable.
– It gives you lower initial cost and flexibility to refinance or prepay when rates soften.
– Fixed rate may feel secure but often costs more in long term if rates do not rise significantly.

» Key terms to check in loan agreement before signing
– Interest rate type and reset clause – How often the floating rate can change and by what benchmark.
– Processing fees and other charges – Upfront cost that adds to your total cost of borrowing.
– Prepayment and part-prepayment terms – Whether prepayment is allowed without penalty and how often you can prepay.
– Conversion options – Whether you can switch from floating to fixed (or vice versa) and at what cost.
– Penal interest – Charges if you delay EMI payments and how they are calculated.
– Loan disbursement schedule – Especially for under-construction properties, how and when funds are released.
– Foreclosure charges – Fees if you fully close the loan before term ends.
– Interest computation method – Whether interest is calculated on a reducing balance basis.

» How to structure your loan for comfort and cost efficiency
– Choose floating rate with a short initial lock-in if you prefer lower cost.
– Keep prepayment and part-payment flexibility open so you can reduce outstanding principal with surplus funds.
– Monitor rate environment annually to decide if converting to fixed or refinancing makes sense.
– Keep an emergency buffer so you are not pressured if floating rates tick up temporarily.

» Final Insights
– Floating rate home loan typically suits you better over 15 years in current economic context.
– Fixed rate gives peace but often costs more if rates do not rise sharply.
– Focus on key loan terms before signing so no surprises later.
– With careful planning and periodic review, your housing finance cost can be controlled well.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...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