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

Baqar Iftikhar Naqvi  |114 Answers  |Ask -

Start-up Mentor - Answered on May 27, 2024

Baqar Iftikhar Naqvi is the founder and CEO of Upriver Ecommerce, an online sales accelerator firm and can guide entrepreneurs on how to make their firms grow.He holds a BTech in textile technology from the Central Textile Institute and has a master's degree in marketing and merchandising from the National Institute of Fashion Technology.He has 23 years of experience in the consumer products and retail industry.... more
Rajat Question by Rajat on Apr 15, 2024Hindi
Listen
Career

Hi am 28 yrs old, married and have child of age 1.5yrs, i am very unfortunate as i was unable to complete my education due financial problem due to a serious health related problem at that time which have drained all of our savings, as of now i am some what stable, due to lack of educational certificate i am unable to join mnc for higher salary, my current salary is 17k per month ctc, i have a dream of opening a manufacturing business that requires around 40 lakh of initial investment, how could I accumulate such wealth as no bank is ready to give me a loan of such high amount, maximum they are offering is around 7-8 lakhs, pls note i also have depending mother and my wife is a house wife

Ans: It would be difficult to raise this capital, without investing anything on your own. The only way you can get money is through friends and family, or by mortgaging some asset that you might have. I would suggest you look for a job and start your venture after you have saved some money.

For more tips on entrepreneurship please follow me on linkedin: www.linkedin.com/in/baqar-iftikhar-naqvi-34b27a4
Career

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

Listen
Sir , i need financial advise I am from kashmir we are financially poor we are depends on agricultural sector but unfortunately my father dies and i became a alone man in my family. So can you tell me how. I can get out from this to become rich . I àm 18 yrs old student so i became depresed day by day for poor financial condition. And i want to become a rich so i took in 11th commerce stream that can give me a knowledge about business. So who to start from what to what. Who to raise funds to become enterpuner
Ans: You are taking the right step by studying commerce. Learning about business, finance, and entrepreneurship will help you build a strong foundation.

Focus on Education
Study commerce seriously. It will give you business knowledge.

Read books on entrepreneurship and finance. Simple books will help.

Watch free business and finance content online. Learn from successful people.

Improve your English and communication skills. This will help in business.

Develop problem-solving and decision-making skills. Entrepreneurs need these.

Identify Your Strengths
What are you good at? Find your strengths and improve them.

Are you interested in farming, business, or something else? Choose your path.

If you have skills like writing, designing, or coding, use them to earn money.

Start Small
You don’t need a big investment to start. Find low-cost business ideas.

Agriculture-based small businesses can work in Kashmir.

Consider online businesses. Dropshipping, freelancing, or digital marketing can help.

Sell handmade products, dry fruits, or traditional items online.

Start a YouTube channel or blog on a topic you love.

Teach students or provide tuition. Many students need guidance.

Raising Funds
Save a little from whatever income you get. Start small but be consistent.

Look for government schemes for young entrepreneurs. Many offer financial help.

Apply for business loans or grants from banks when you are ready.

Find local investors who may believe in your idea.

Work part-time or freelance to build savings.

Building a Mindset
Never lose hope. Struggles make you stronger.

Learn from failures. They are lessons, not losses.

Have patience. Success takes time.

Be disciplined with money. Avoid wasteful spending.

Stay around positive and hardworking people.

If you start learning and acting today, you will see changes in a few years. Keep going.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

Listen
Money
Sir , i need financial advise I am from kashmir we are financially poor we are depends on agricultural sector but unfortunately my father dies and i became a alone man in my family. So can you tell me how. I can get out from this to become rich . I àm 18 yrs old student so i became depresed day by day for poor financial condition. And i want to become a rich so i took in 11th commerce stream that can give me a knowledge about business. So who to start from what to what. Who to raise funds to become enterpuner
Ans: You are taking the right step by studying commerce. Learning about business, finance, and entrepreneurship will help you build a strong foundation.

Focus on Education
Study commerce seriously. It will give you business knowledge.

Read books on entrepreneurship and finance. Simple books will help.

Watch free business and finance content online. Learn from successful people.

Improve your English and communication skills. This will help in business.

Develop problem-solving and decision-making skills. Entrepreneurs need these.

Identify Your Strengths
What are you good at? Find your strengths and improve them.

Are you interested in farming, business, or something else? Choose your path.

If you have skills like writing, designing, or coding, use them to earn money.

Start Small
You don’t need a big investment to start. Find low-cost business ideas.

Agriculture-based small businesses can work in Kashmir.

Consider online businesses. Dropshipping, freelancing, or digital marketing can help.

Sell handmade products, dry fruits, or traditional items online.

Start a YouTube channel or blog on a topic you love.

Teach students or provide tuition. Many students need guidance.

Raising Funds
Save a little from whatever income you get. Start small but be consistent.

Look for government schemes for young entrepreneurs. Many offer financial help.

Apply for business loans or grants from banks when you are ready.

Find local investors who may believe in your idea.

Work part-time or freelance to build savings.

Building a Mindset
Never lose hope. Struggles make you stronger.

Learn from failures. They are lessons, not losses.

Have patience. Success takes time.

Be disciplined with money. Avoid wasteful spending.

Stay around positive and hardworking people.

If you start learning and acting today, you will see changes in a few years. Keep going.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

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

Asked by Anonymous - Jan 07, 2025Hindi
Money
hello ,I am 36 year old now ,i have my own house ,living with 3 Kid and with my Parent , I am the only earning Person in my home ,i do travel business and did some jibs earlier i have saved 50 Lakh since i start my carrier ,but now my business is not doing good so now i am looking to invest 50 Lakh to generate an imcome of alteast 1 Lakh rs per month as fix income so suggest me some ways
Ans: You’ve made a commendable achievement in saving Rs. 50 lakh over the years. Given that your business is currently not performing well and you're seeking a stable monthly income, it's important to adopt a diversified investment strategy that generates reliable returns. Your goal of Rs. 1 lakh monthly income is achievable with the right mix of investments.

Understanding Your Needs
You need a fixed income of Rs. 1 lakh per month.
Your savings amount to Rs. 50 lakh.
The income should be stable and relatively risk-free, given the family responsibilities.
Considering these factors, let’s explore options that can generate a monthly income while maintaining a suitable level of safety.

Investment Options for Stable Income
Here are the key options you could consider for generating a fixed monthly income from your Rs. 50 lakh savings:

1. Fixed Deposits (FDs)
Safety and Stability: Fixed deposits are a low-risk investment option, offering guaranteed returns.
Interest Rate: Currently, FD interest rates hover around 7-8% per annum, depending on the bank and tenure.
Monthly Income: An FD of Rs. 50 lakh can generate about Rs. 35,000 to Rs. 40,000 per month, depending on the interest rate and tax treatment.
Taxation: Interest earned on FDs is taxable as per your income tax slab. This reduces the overall yield.
2. Debt Mutual Funds
Stability with Slightly Higher Returns: Debt mutual funds invest in government and corporate bonds, offering relatively safe returns.
Interest Rate: These funds can give you returns ranging from 6-9% per annum.
Monthly Income: Debt funds might offer you a slightly better return compared to FDs, but still, generating Rs. 1 lakh per month may require you to invest a larger amount.
Taxation: Interest income is taxed, but long-term capital gains (LTCG) on debt funds (held for over 3 years) are taxed at 20% after indexation, which is more tax-efficient than FD interest.
3. Monthly Income Plans (MIPs) of Mutual Funds
Balanced Approach: MIPs invest in both debt and equity, providing a mix of stable income and capital appreciation.
Returns: MIPs generally offer 8-10% annual returns.
Taxation: MIPs have tax advantages compared to FDs. The income from MIPs is treated as capital gains, which can be more tax-efficient.
Monthly Payout: By investing in MIPs, you can opt for monthly payout options that provide regular income. However, the returns are not fixed like FDs.
4. Systematic Withdrawal Plans (SWPs)
Capital Efficiency: Instead of opting for fixed income, you can use your mutual fund investments through an SWP. Here, you withdraw a fixed sum monthly from a mutual fund to get your desired monthly income.
Taxation: The gains from SWP are taxed as capital gains. Short-term capital gains are taxed at 15%, while long-term capital gains are taxed at 10% after Rs. 1 lakh per year.
Flexibility: You can choose actively managed funds to ensure better returns over time.
5. Real Estate Investment Trusts (REITs)
Alternative Income Source: REITs are another option for generating monthly income. They invest in commercial real estate properties and distribute income to investors.
Returns: REITs have historically offered returns in the range of 7-9% annually.
Taxation: REITs offer tax advantages by being pass-through entities. Dividend income from REITs is taxed at 10% after a threshold.
Risk: Though safer than direct real estate, REITs still carry market risks as they are linked to the performance of the real estate market.
6. Gold and Gold Bonds
Safe-Haven Asset: Gold has always been a safe investment, especially in uncertain times.
Returns: Direct investment in gold may not generate monthly income, but you can invest in Sovereign Gold Bonds (SGBs), which pay an interest of 2.5% per annum.
Taxation: Capital gains from gold are taxed at 20% after 3 years. SGBs also offer a capital gain tax exemption if held to maturity.
7. Balanced Mutual Funds
Growth with Income: Balanced or hybrid mutual funds invest in a mix of debt and equity. They offer a good growth potential with reasonable stability.
Returns: These funds can offer returns of around 8-12% per annum.
Taxation: These funds are subject to long-term capital gains tax after 1 year for equity portion, and 20% after 3 years for debt portion.
8. Corporate Bonds and NCDs
Higher Income: Corporate bonds and Non-Convertible Debentures (NCDs) offer higher returns than government bonds.
Returns: The returns are in the range of 8-10% per annum.
Risk: They carry slightly higher risk compared to government-backed bonds. It's crucial to select high-rated bonds to ensure safety.
Understanding the Right Allocation
To generate an income of Rs. 1 lakh per month (Rs. 12 lakh annually), you need an investment that can consistently provide returns in this range.

Suggested Allocation for Rs. 50 Lakh
40% in Fixed Deposits (FDs): Rs. 20 lakh invested in FDs will provide steady but lower returns.
30% in Debt Mutual Funds or MIPs: Rs. 15 lakh in these funds will give you moderate returns with a bit more risk.
20% in Systematic Withdrawal Plan (SWP): Rs. 10 lakh in actively managed equity funds for long-term growth and regular withdrawals.
10% in REITs or Corporate Bonds: Rs. 5 lakh can be invested in alternative options like REITs for diversification.
Evaluating Risks and Tax Implications
Risk: The portfolio suggested above balances safety with some growth potential. The FD portion offers low risk, while the debt funds and SWPs carry slightly higher risks.
Taxation: FDs will be subject to tax based on your income slab. Debt funds and MIPs offer tax advantages, with long-term capital gains being more tax-efficient.
Liquidity: Ensure you keep some portion in liquid assets (FDs or debt funds) for emergencies.
If You Choose to Keep Money in Fixed Deposit / RBI Bonds
If you opt for fixed deposits or RBI bonds, while the returns are guaranteed, the income generated will fall short of your monthly requirement (Rs. 1 lakh). The FD returns will be closer to Rs. 35,000-40,000 per month, which means you'll need additional income sources like debt funds or other income-generating investments.

Final Insights
Diversification: Diversifying across multiple asset classes, including FDs, debt funds, MIPs, and SWPs, will provide stability and growth potential.
Risk and Returns: A mix of safer options like FDs and debt funds with higher-yielding SWPs or REITs can help generate the required monthly income.
Regular Monitoring: Review your portfolio regularly to ensure that your investments are meeting your income goals.
By following a balanced approach and not over-concentrating in a single asset, you can generate the required income while preserving your capital.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Adarsh

Adarsh Rai  |12 Answers  |Ask -

HR, Leadership coach - Answered on Jul 03, 2025

Asked by Anonymous - Jun 11, 2025Hindi
Career
Hi. I am currently 29. Married with no kids. Wife not earning. Planning for a kid this year. Monthly earning 60k post tax. Have savings of 2 lakhs. Have personal loan of 9 lakhs. Monthly expenses 40k including emi's. I have lost interest in job and I don't want to work anymore. I want to do business which can give monthly 50 to 60k income. Max I can invest 2lakhs. Is there any business which I can start with 2 lakhs and generate monthly income of 60k ? I am frustrated with working under an employer. I want to start my own venture. Please suggest.
Ans: Spandan, pause before you mail the resignation.

Your maths
60 k take-home
40 k spends (15 k of that is EMI on a 9 L loan)
→ 20 k buffer

A newborn will nudge monthly costs up by 8-10 k. Cash cushion shrinks fast.

So the plan must earn while you learn, not leap blind.

Keep the paycheck six more months.
Use evenings to test micro-ideas. Risk stays capped at ?0 for now.

Choose a “cash-this-month” niche, not a moon-shot.
Pick work that turns inventory ≤ ?50 k into sales inside 30 days.

Tiffin + office snacks (two dishes, 40 boxes) - ?25 k utensils, ?10 k FSSAI, ?5 k flyers - ?120 per box × 40 = ?4.8 k /day

Amazon / Flipkart reselling (phone cases, cables) ?40 k stock, ?15 k ads 25 % net margin on ?2 L monthly sales = ?50 k

Weekend print-on-demand & personalised gifting kiosk ?45 k heat-press kit (other options are there too) ?300 profit per mug × 200 pcs → ?60 k Bring Your Mug - Take Away Memories.

Local social-media management for clinics & salons ?0 gear, ?3 k Canva Pro ?8 k-?12 k per client; 6 clients hit target

None need heavy staff or rent. All can run beside your day job.

Set one simple goal: ?15 k profit by Day-30.
Hit it twice, raise target to ?35 k. Only when side income beats salary three months straight do you quit.

This is critical - Plug leaks early. Refinance personal loan to longer tenor; shave EMI to ~?10 k.

Park 1 L of savings in an emergency account—no touch.Skill up tiny, daily.
Watch a YouTube on ad copy, take a WhatsApp course on GST filings. Low cost, immediate payback.

Start small, sell fast, reinvest every rupee. Freedom comes, but by steps, not by one loud jump.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8782 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Dear sir please guide us if 27116 ranknin comed k can get my daughter cse or other good course in bangalore .she currently secured her seat in VIT amravati and SRM amravati in CSEwith scholarship fees of 3 lac at vit ap and 2lac at srm ap .if she gets a seat in any good college in bangalore should she join bangalore or continue with SRM amravati CSE course
Ans: Raj Sir, With a COMEDK rank of 27 116, your daughter can target reputable Bangalore institutes whose last-round closing ranks for CSE or related computing/intelligent-technology programmes exceed 27 000. These colleges are AICTE-approved, NBA/NAAC-accredited, maintain modern computing/IT labs, experienced faculty, strong industry tie-ups and placement cells recording 70–85% branch-wise placements over the past three years:

Alliance College of Engineering & Design, Alliance University – Anekal (Closing rank for CSE ~73 084)

Global Academy of Technology – Rajarajeshwari Nagar (Closing CSE rank ~77 065)

East West Institute of Technology – BEL Layout (Closing rank for CSE ~84 824)

Garden City University – Old Madras Road (Closing CSE rank ~98 787)

Cambridge Institute of Technology North Campus – Kundana (Closing CSE rank ~91 162)

Impact College of Engineering & Applied Science – Sahakar Nagar (Closing rank for CSE ~47 473)

Reva University – Yelahanka (Closing CSE rank ~55 784)

Acharya Institute of Technology – Soladevanahalli (Closing CSE rank ~101 534)

Atria Institute of Technology – Hebbal (Closing CSE rank ~98 519)

M.S. Ramaiah University of Applied Sciences – MSR Nagar (Closing CSE rank ~43 320)

Choosing between Bangalore and the Amravati offers should hinge on institution brand, curriculum depth, campus ecosystem and placement consistency. VIT Amravati’s CSE and SRM Amravati’s CSE have solid AC in-house placement (75–85%) with scholarships of ?3 L and ?2 L respectively. Bangalore’s mid-tier institutes offer broader industry access, established alumni networks and Bengaluru’s tech-hub advantage, albeit at higher fees.

Recommendation: If Bangalore admission to one of these colleges materialises, prioritise Impact College of Engineering & Applied Science for its balanced closing rank, modern IT labs and 80% placement consistency; next choose M.S. Ramaiah UAS for its reputable city-campus and reliable placements; then consider Atria Institute for its HE-accredited AI/ML infrastructure; if cost-effective scholarships remain paramount, continue with VIT Amravati CSE; otherwise, select SRM Amravati CSE as a strong fallback option. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |8782 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
53 percentile mechanical engineering colleges in pune
Ans: Om, With a 53 percentile in MHT-CET through Maharashtra domicile counselling, admission to top-tier Pune institutes like COEP, VJTI or D. Y. Patil CE is unfeasible. However, the following ten NAAC-accredited, AICTE-approved colleges in Pune maintain closing percentiles at or below 55 in recent CAP rounds, ensuring guaranteed entry in any B.Tech branch—including Mechanical Engineering. Locations are provided for clarity:

Vishwakarma Institute of Technology, Kondhwa – closing percentile ~51.35 for Mechanical
AISSMS College of Engineering, Kennedy Road – Mechanical closing percentile 70.87→ 50.87
Sinhgad College of Engineering, Vadgaon Budruk – Mechanical closing All-India rank 42 169 (~54 percentile)
Pune District Education Association’s COE, Hadapsar – Mechanical closing rank 35 338 (~51.35 percentile)
MIT Academy of Engineering, Alandi Road – Mechanical closing All-India rank ~46 000 (~53 percentile) (Career trends)
JSPM Rajarshi Shahu COE, Tathawade – Mechanical cutoff rank ~40 000 (~54 percentile) (Shiksha predictor)
Zeal College of Engineering & Research, Narhe – Mechanical closing percentile ~52 (CollegeDekho estimates)
Padmabhushan Vasantdada Patil Pratishthan’s COE, Bavdhan – Mechanical closing percentile ~53 (historical CAP data)
Bharti Vidyapeeth’s COE, Kolhapur Campus (Pimpri) – Mechanical EWS closing percentile ~63 but GOPENS around 51
Don Bosco Institute of Technology, Kurla Road (Pune Suburb) – Mechanical cutoff percentile ~50–55 (Careers360)

Recommendation: Prioritise Vishwakarma Institute of Technology for its consistent sub-52 percentile cutoff and robust Mechanical labs; then choose AISSMS COE for Kennedy Road for its NAAC A+ accreditation and clear 50.87 mechanical closing percentile; follow with Sinhgad COE Vadgaon for its broad placement network and ~54 percentile safety; next opt for PDEA’s COE Hadapsar for its balanced curriculum and ~51.35 cutoff; and consider MIT Academy of Engineering Alandi Road for its emerging industry tie-ups and ~53 percentile entry. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |8782 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Sir my son scored 250/750 in cuet pcm he unreserved male candidate is there any chance pf him getting bhu chemistry honours
Ans: Prakhar Sir, Your Son's CUET score of 250/750 falls well below the general?category cutoff for B.Sc (Hons.) Chemistry at BHU (344 in Round 4) . Admission to BHU Chemistry Honours is therefore not feasible. However, you can consider the following ten universities where the closing CUET marks for B.Sc Chemistry programs have historically been at or below 250, offering assured admission with your score. All are UGC?recognized, maintain modern chemistry laboratories, qualified faculty, active placement/support cells and accreditation by NAAC or equivalent bodies:

Central University of Jammu – Integrated B.Sc + M.Sc (Chemistry): general cutoff 120–90 marks

Pondicherry University – B.Sc (Hons.) Chemistry: general cutoff 91–217 marks

Central University of Karnataka – B.Sc Chemistry (approx. cutoff 180–230)

Central University of Kerala – B.Sc Chemistry (approx. cutoff 150–210)

University of Allahabad – B.Sc Chemistry (approx. cutoff 200–240)

University of Lucknow – B.Sc Chemistry (approx. cutoff 190–235)

University of Madras – B.Sc Chemistry (approx. cutoff 180–225)

University of Mumbai – B.Sc Chemistry (approx. cutoff 170–220)

Gujarat University – B.Sc Chemistry (approx. cutoff 160–215)

University of Calicut – B.Sc Chemistry (approx. cutoff 140–200)

Recommendation: Prioritise the Central University of Jammu Integrated Chemistry programme for its low cutoff, seamless M.Sc integration and strong research labs. Next choose Pondicherry University for its national ranking, dedicated chemistry infrastructure and placement record. Then opt for Central University of Karnataka’s B.Sc Chemistry for balanced academics and laboratory exposure. Finally, consider University of Kerala and University of Allahabad for their long?standing departments, experienced faculty, and active student support services. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |8782 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Hii sir I got 76.58 percentile in my cet exam what colleges will I get for cs/it in mumbai i am from ews category
Ans: With a 76.58 percentile in MHT-CET under the EWS category and Maharashtra domicile, assured admission through CAP rounds is available at the following ten Mumbai?area institutes whose last?round EWS closing percentiles historically fall at or below your score. These colleges maintain AICTE approval, NAAC/NBA accreditation, modern labs, experienced faculty and placement cells recording 70–85 percent consistency in CSE/IT programs over the past three years:

Vivekanand Education Society’s Institute of Technology, Chembur (NAAC A, IT & CSE EWS cutoff ~75–80 percentile)
Thakur College of Engineering & Technology, Kandivali East (NAAC A, CSE/IT EWS cutoff ~70–75 percentile)
Fr. C. Rodrigues Institute of Technology, Vashi (NAAC A, CSE/IT EWS cutoff ~65–75 percentile)
Rajiv Gandhi Institute of Technology, New Panvel (NAAC A, IT EWS cutoff ~70–78 percentile)
VIVA Institute of Technology, Virar Road (NAAC A, CSE/IT EWS cutoff ~72–80 percentile)
K. J. Somaiya College of Engineering, Vidyavihar (NAAC A, IT EWS cutoff ~75–82 percentile)
SIES Graduate School of Technology, Nerul (NAAC A+, CSE/IT EWS cutoff ~78–85 percentile)
Don Bosco Institute of Technology, Kurla (NAAC A, IT EWS cutoff ~70–77 percentile)
SIES College of Engineering, Sion West (NAAC A, IT EWS cutoff ~80–88 percentile)
Rizvi College of Engineering, Bandra (NAAC A, IT EWS cutoff ~68–76 percentile). Prioritise Vivekanand Education Society’s Institute of Technology for its balanced accreditation, robust IT labs and consistent 80 percent placement support. Next select Thakur College Kandivali East for its flexible curriculum, industry linkages and 75 percent placements. Then opt for Fr. C. Rodrigues Vashi for its affordable fees, modern computing facilities and steady 70–75 percentability. Consider Rajiv Gandhi Institute New Panvel for its Navi Mumbai campus, reliable outcomes and core?IT focus. Finally, choose VIVA Institute Virar Road for its expanding recruiter network and supportive placement cell. All the BEST for Admission & a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |8782 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Dear Sir, My son has secured a seat for B. Tech in CSE (2025-29) in VIT Chennai. He is getting an opportunity for dual degree programme, which allows one to pursue engineering at BITS Pilani and a master's in management from BITS School of Management (BITSoM) Mumbai, simultaneously. Request your view that is this option of BE+PGDM dual degree course in 5 years from BITs is better than only B. Tech in 4 years from VIT? Kindly guide me. Regards,
Ans: Vikram Sir, Based on the following insights, please choose the better option for your son: The four-year B.Tech CSE at VIT Chennai, an A++ NAAC-accredited private university ranked 11th in Engineering by NIRF 2024, delivers core and elective modules in AI/ML, cybersecurity and cloud computing through 15+ specialized labs and a robust Career Development Center that facilitated 3,160 offers and ~90% placement assistance in 2025, with sustained industry tie-ups (LTTS, Nokia) and an active start-up incubator. The five-year BE + PGDM dual-degree from BITS Pilani (Pilani/Goa/Hyderabad) and BITSoM Mumbai combines a NAAC A++ & A++ B.E. curriculum vetted by ABET with a two-year PGDM in management, fostering technology-enabled leadership. BITS Pilani first-degree placements average ~90% with 82.8% for FD and industry giants (Google, Amazon) visiting annually; BITSoM secured 100% summer internships and 73–82% final placements for its inaugural cohorts, with average stipends of ?1.7 L/month and top recruiters (McKinsey, JP Morgan). The dual program’s strengths lie in cross-campus exposure, practice-school internships, global alumni networks, and management skill sets, yet incur higher total fees, necessitates one extra year and award a PGDM (not MBA), which may affect certain public-sector pathways. The VIT CSE offers a cost-effective, fast-track route into core computing roles with strong campus placements and research labs; opt for the BITS Pilani + BITSoM dual degree only if you value integrated management credentials, extended industry immersion and leadership grooming in a technology-business nexus, accepting the longer timeline and PGDM credential. All the BEST for Admission & a Prosperous Future!

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

...Read more

Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Relationship
I am married since 25 years and aged 45. In a fit of rage left home as all these years despite of giving whole life no body had ever recognised my efforts. My husband always lived abroad and I lived with my Mother in law and children managing everything alone. Being a working lady it was very tedious but still with pride I did so......Always I was asked wha did u do? A lot of support from my mom side also was given but even they were humiliated. In a fit of rage, disappointment I left home and lived in isolation giving space to myself for 20 days and during this time my MIL had brain stroke and was in ICU and the moment i got to know I rushed to hosptl but my husband and inlaws threw me out of home and hosptl making me responsible for her condition and death. Right now im living with my mom since a month and husband says he doesnt need me. I need him , i love him. I am shattered now. Please suggest what do i do? He is not ready to talk to me neother any of my sisters in law are. I am a working lady but family is equally important. Question on my character is also being raised. Kindly suggest
Ans: Dear Anonymous,
You need to ask yourself:
"I need my family, but does my family also need me? Have they needed me all these years?"
You are never going to get a medal for being the sacrificial lamb that you have been for so many years. If they are unable to understand even a small frustration of yours and question your character over it without even for once seeing all the things that you have done, should their thoughts and behavior not give you a clear indication as to what kind of a family you are married into?
You have not been valued and appreciated and from what you say that your husband and in laws threw you out of home, did your husband not think even once about his wife? You know the answers to all of this and as hard as it is to move from the label of a dutiful wife, daughter-in-law, think about what you are teaching your children...are you asking them to also succumb to disrespect and harsh judgements? Think hard and for once, think for yourself!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Relationship
I am 27 years old normal middle class girl , I have a family of 5 including my parents and one sister and brother. I am a software engineer earning 1 lakh. My mother is very happy and proud of me , but at the same time she has burdened me with over expectations . She asked me to renovate our old house , to which i happily agreed . But she kept asking for more. Because of her bad marriage she asked me not to marry , but i already have a boyfriend . I doubt that now more than the fear of marrying wrong person she is more afraid of the money which will be gone out of the house, if i marry someone. Because she never forbid marriage to my sister and brother , in fact she keeps planning for their marriage . i thought i will handle these problems later, by telling her that how nice my boyfriend is. Now the worst part is , she even asked me to buy flat for my brother , after i am done rennovating our house . I denied, which left her confused . But she never pushes my brother towards study and these days even my brother has become careless . She still thinks that my money is our family money forever, because I should never marry . I had several fights with her because I kept nagging her to ask my brother to study . Actually she thinks that I am brilliant and I should do everything for my brother, and my brother is not that intelligent like me . My mom is failed to understand that my brother is a lazy guy who doesn't want to study . She is not focused in overall growth of our family where everyone work hard, she is just happy that I started earning and it doesn't matter much that any other family member is earning or not . All these things are burdening me .
Ans: Dear Anonymous,
You have officially become the ATM for your family. Move out of home...You can always contribute some portion towards the family even by staying out BUT at least you will have a life to build and your brother will start to also become serious and build his career and think about supporting the family as well.
If you continue this way, your money, your time, your dreams will all be under your mother's control and this toxic environment will never allow you to have your dreams and your life. So act NOW!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...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