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Nayagam P

Nayagam P P  |6867 Answers  |Ask -

Career Counsellor - Answered on Jun 09, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Harshraj Question by Harshraj on Jun 08, 2025
Career

15k rank in jee mains Which is better IIIT jabalpur CSE or NIT surat ECE or NIT bhopal ECE or NIT jalandhar CSE or IIIT gwalior MnSC

Ans: Harshraj, With a JEE Main rank of 15,000, securing CSE at IIIT Jabalpur (2024 cutoff: ~8,044–46,514, 71.8% placements via TCS/Infosys) is feasible, offering specialized training in smart manufacturing and IoT with robust labs. NIT Jalandhar CSE (cutoff: ~5,350–6,444) is unlikely but monitor vacancy rounds for potential drops. For ECE, NIT Surat (66% placements, embedded systems roles via Intel/Qualcomm) and NIT Bhopal (65% placements, IoT projects via Bosch) provide strong core-sector opportunities, though lag behind CSE in tech flexibility. IIIT Gwalior MnSC (Mathematics and Scientific Computing) offers interdisciplinary rigor (median ?22 LPA) but fewer core-tech roles, requiring upskilling for software careers. Prioritize IIIT Jabalpur CSE for tech specialization or NIT Surat ECE for institutional reputation and regional industry access, balancing branch relevance and placement consistency. All the BEST for your Admission & a Prosperous Future!

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Samraat

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Stock Market Expert - Answered on Jun 22, 2025

Asked by Anonymous - Jun 22, 2025Hindi
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my net monthly income is 216000 after tax, total loan I have Rs 75 lac, loan breakup home loan 46 lac, personal loan 28 lac, credit card os 11 lac. suggest how to be debt free in next 6 years.
Ans: Step 1: Know Your Monthly Debt Capacity
Assuming you can allocate 50–55% of your income toward debt repayment:
• ?1.08–1.18 lakh/month is your target EMI budget.
Step 2: Prioritize High-Interest Debt First
Credit card and personal loans typically carry 15–36% interest, while home loans are around 8–9%. So:
1. Credit Card (?11L) – Pay this off first.
2. Personal Loan (?28L) – Next priority.
3. Home Loan (?46L) – Last, since it’s lower cost and offers tax benefits.
Step 3: Consider Consolidation
You could explore:
• Debt consolidation loans to combine credit card + personal loan into one lower-interest EMI.
• Balance transfer for credit cards to reduce interest temporarily.
• Platforms like FREED, SingleDebt, or Debt Relief India offer structured debt management plans.
Step 4: 6-Year Repayment Plan (Illustrative)
Loan Type Amount (?L) Target Tenure Monthly EMI (approx)
Credit Card 11 1 year ?1.0–1.1 lakh
Personal Loan 28 3 years ?0.9–1.0 lakh
Home Loan 46 6 years ?0.8–0.9 lakh
You can snowball payments—once one loan is cleared, roll that EMI into the next.
Tips to Accelerate
• Bonus or incentives? Use 70–80% toward debt.
• Cut lifestyle inflation—track expenses ruthlessly.
• Avoid new debt unless it’s strategic (e.g., refinancing).
• Automate EMIs to avoid late fees and improve credit score.

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