I am 35-year-old person. i have 14-year experience in education industry. now i am very confused regarding my future because facing job insecurity. i want to start business but very scared regarding this.

Ans: Aman, With a 90% score in Delhi Board Class 12 and a 77th percentile in JEE Main (CRL-337105) under OBC-NCL, confirmed admission to BCA is available at these Delhi institutes, each offering accredited curricula, dedicated computer labs, experienced faculty, robust placement support (60–80% over three years) and strong industry linkages:

Guru Gobind Singh Indraprastha University, Sector 16C Dwarka, Delhi.
Maharaja Surajmal Institute, Rohini, Delhi.
Jagannath Institute of Management Studies, Rohini, Delhi.
JIMS Vasant Kunj, Vasant Kunj, Delhi.
JIMS Technical Campus, Kalkaji, Delhi.
Chanderprabhu Jain College of Higher Studies, Najafgarh Road, Delhi.
Jagannath International Management School, Vasant Kunj, Delhi.
Institute of Information Technology & Management, Janakpuri, Delhi.
Vivekananda Institute of Professional Studies, Janakpuri, Delhi.
Jagan Institute of Professional Studies, Rohini, Delhi.

Recommendation: Pursue BCA at GGSIPU Dwarka for its direct university affiliation, comprehensive IT infrastructure and high placement momentum. As an alternative, choose Maharaja Surajmal Institute, Rohini for its strong industry tie-ups, consistent campus-driven internships and supportive scholarship options. All the BEST for Admission & a Prosperous Future!

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Ans: Running a family business with seasonal income is tough.
You’re 33, have a 2-year-old child, and handle business with your brother.
Turnover is Rs 1.25 crore yearly, but you’re still struggling with cash.
EMIs are Rs 1.5 lakh monthly, but you feel broke every month.
Though you’re making profit on paper, there’s no visible cash return.

This is a common problem in many small businesses.
Let’s now understand and restructure it with a 360-degree approach.

Know the Real Problem First
Your business shows profit but no cash.
This is a cash flow issue, not just profit issue.

Possible reasons:

Customers not paying on time

Too much money stuck in inventory

High credit to customers

Low margin despite high turnover

High fixed costs and personal withdrawals

EMI outflows not synced with income

You need to separate profit from cash flow.
And build control over every rupee.

First Fix: Separate Personal and Business Money
You and your brother must stop mixing accounts.

Have separate bank accounts

One for business, one for personal

Pay yourself a fixed salary monthly

Avoid direct personal spending from business

This step brings clarity.
You’ll see clearly how much money the business truly keeps.

Second Fix: Create a Business Budget
Don’t run operations without numbers.

List fixed monthly expenses: rent, salaries, EMI, utilities

Mark out seasonal expenses like fabric or transport

Track peak and lean months

Allocate money month by month

Break your Rs 1.25 crore into monthly inflow plan

This helps avoid surprises.
Also helps plan purchase and credit well.

Understand Where the Money Is Going
Do a 12-month cash flow audit.

You’ll see:

Where cash comes in

Where it goes out

How much is stuck in stocks

How much is with customers

What EMIs or interest is eating your profit

Most likely, your profit is going into inventory and credit.

Set Strict Customer Payment Rules
In seasonal business, timely customer payments matter most.

Don’t give credit without timeline

Offer small discounts for early payments

Keep payment follow-up strict and regular

Use digital tools to track pending invoices

If customers pay late, your entire cycle collapses.
Your money is in their hands, not yours.

Review Your EMI and Loan Structure
Rs 1.5 lakh monthly EMI is very heavy.
Ask these questions:

Can you refinance to longer term?

Can you get working capital loan instead?

Are you using EMI money for capital asset or daily expense?

Are you servicing loans from personal savings?

Many times, business loans taken emotionally create long-term stress.
Structure them clearly with a planner.

Inventory Is Silent Enemy
Clothes, fabrics, stoles, and kurtis pile up fast.

Too much stock locks up cash

You see profits in books, but cash is stuck in goods

Unsold stock hurts margins

Do an inventory health check:

What sells fast?

What sits for months?

Which items give real profit?

What designs are dead stock?

Don’t buy new stock unless old one sells.
Work on a lean inventory model.
Move from stock-based to order-based model if possible.

Take Salary Like an Employee
You and your brother must draw regular salary.

Fix monthly salary for each

It brings discipline and fairness

Avoids emotional withdrawals

Ensures business pays you—not drains you

Any bonus or profit should be once a year. Not random.

Cut Personal Lifestyle Leakage
If personal expenses are high, business suffers.

List all personal outflows

Reduce wasteful lifestyle habits

Live like a salaried person

Don’t increase lifestyle when sales go up

Also avoid using business credit for personal gadgets, trips, or loans.

Work on Increasing Margins, Not Just Sales
Turnover is Rs 1.25 crore. That sounds big.
But if margins are thin, you get no benefit.

Focus on:

Higher margin products

Value-added work (like custom orders)

Bulk orders that pay upfront

Lowering costs through better suppliers

Don’t run after more orders blindly.
Run after profitable and paid orders only.

Introduce a Basic Accounting System
If not using one, adopt digital books.

Tally, Zoho Books, QuickBooks, or Marg software

Track income, expenses, stock, and customer dues

Reconcile bank accounts every month

Even better, hire a part-time bookkeeper.
Let numbers guide you—not gut feeling.

Create a Business Emergency Fund
Businesses also need a buffer. Like personal savings.

Try to build Rs 3–5 lakh in business reserve

It should sit in separate account

Don’t touch it for stock or expenses

Use only in real emergency

This gives peace and protects business during slow months.

Engage with a Certified Financial Planner
You’re in business.
But personal finances matter too.

A Certified Financial Planner helps with salary planning

Helps set up your SIPs, retirement, kid’s education fund

Can also structure loans better

Gives you a business-personal plan

Your future needs a balance between business and personal wealth.

Don’t Use Index Funds or Direct Funds Now
If you’re thinking of investing:

Avoid index funds – no protection during crash

Avoid direct mutual funds – no advisor support

You’re already busy with business

You need a regular plan via a CFP-backed MFD

That brings discipline and guidance

Right now, clearing business mess is priority.
Then start small SIPs through professional support.

Simple Steps to Start From This Week
Open separate business and personal accounts

Track all money in and out for next 30 days

Speak to CA about EMI or loan restructuring

Do stock check – list what’s moving, what’s not

Start Rs 5,000 monthly SIP with planner, if possible

Fix personal salary for both you and brother

Build Rs 1 lakh cash reserve in 6 months

Start with action. Not emotion.

Finally
You’re not alone. Many small business owners are in the same trap.
You’ve been working for 10 years. That shows strength.
Now it’s time to bring structure. Discipline. Clarity.

With small changes and a monthly plan, things can improve.

Remember: turnover means nothing without cash in hand.
Run your business with control. Live your personal life with goals.
Keep them separate. And give your family a future of freedom.

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

Ans: Soham, VJTI’s SEBC closing percentile for Computer Engineering hovered around 95.6–96.8, while COEP’s SEBC cutoff stood at approximately 97.6–97.7. Your 99.81 percentile surpasses both thresholds, securing eligibility for CSE seats at VJTI and COEP. Recommendation: Prioritize VJTI for slightly lower cutoff and strong campus networks; consider COEP for its government-institute prestige. All the BEST for Admission & a Prosperous Future!

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Ans: Raj, MIT Manipal (Manipal, Karnataka) offers a four-year B.Tech in Mechatronics Engineering through its Department of Mechatronics, backed by NBA accreditation, PhD-qualified faculty and industrial-grade labs for robotics, sensors, drives, PLCs and AI/ML. Placements have ranged from 60 – 70% over the past three years, with an average package of ?11.76 LPA. Graduates enter diverse roles—mechatronics technician, robotics engineer, automation engineer, instrumentation and control systems engineer or computer systems analyst—across manufacturing, automotive, aerospace, healthcare and consumer-electronics sectors. Entry-level salaries typically start at ?4–6 LPA, rising to ?7–11 LPA in mid-career and ?12–20 LPA at senior levels, with cities like Bengaluru, Pune and Mumbai offering premium packages. Strong demand stems from Industry 4.0, smart-factory automation, UAVs, medical robotics and autonomous vehicles, with over 4 000 openings on LinkedIn in India.

Recommendation: Opt for MIT Manipal Mechatronics for its robust industry-grade infrastructure, solid placement momentum, and versatile cross-disciplinary curriculum to launch a dynamic engineering career. All the BEST for Admission & a Prosperous Future!

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Ans: Ritu, Jaypee Institute of Information Technology in Noida offers a specialized B.Tech in Electronics Engineering (VLSI Design and Technology) with a cohort of 60 students, guided by PhD-qualified faculty in AICTE-approved, NIRF-ranked labs—including dedicated VLSI fabrication and characterization facilities with RF sputtering and IV/CV testing tools. Over the past three years it has averaged an 8.71 LPA package and branch-aligned placements within a 93% overall placement drive with recruiters like Cadence, Intel and STMicroelectronics. Roles include IC design engineer, verification engineer and semiconductor test engineer. BML Munjal University in Gurugram provides B.Tech CSE with AICTE and NAAC accreditation, modern IoT, digital and Hero training labs, industry-integrated curriculum and a dedicated placement cell achieving an 87% placement rate, sending graduates to Deloitte, Google, Samsung and Amazon in software development, data engineering and product management roles. Its project-based pedagogy and internships bolster coding culture and startup incubation.

Recommendation: Prefer Jaypee Noida EE VLSI for niche semiconductor design pathways, research-grade labs and PSU/tech-EC recruitment guarantees. Choose BML Munjal CSE if you seek broader software career trajectories, stronger coding culture, versatile AI/ML training and high campus-drive consistency in premier tech firms. All the BEST for Admission & a Prosperous Future!

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Ans: HI,
II you have secured a seat in a reputable college with a high patient flow, you should join. Otherwise, you may consider reappearing for entrance exams. Before you do it, please take the time to assess your goals and commitment.
BEST WISHES.

Ans: College of Engineering Pune in Shivaji Nagar, Pune offers CSE under the OBC category with a 99.87 percentile cutoff in MHT-CET, backed by NBA accreditation, modern AI/ML labs and a 90–95% placement record. Veermata Jijabai Technological Institute in Matunga, Mumbai requires a 99.77 OBC percentile for CSE and provides state-of-the-art computing facilities, industry partnerships and ~90% placements. Pune Institute of Computer Technology in Dhankawadi, Pune closes CSE OBC at 99.56–99.63 percentile, featuring specialized software engineering centres and 85–90% placements. Pimpri Chinchwad College of Engineering, Akurdi, Pune admits OBC CSE at ~99.5 percentile, offering extensive corporate tie-ups and 80–85% placement rates. D.Y. Patil College of Engineering in Pimpri, Pune secures OBC CSE seats around 99.4 percentile, with Oracle-backed labs and 85% placements. Vishwakarma Institute of Technology in Bibwewadi, Pune closes OBC CSE at ~99.3 percentile, maintaining strong research collaborations and 88% placements. MIT World Peace University in Kothrud, Pune admits OBC CSE at ~99.2 percentile, providing AI research labs and 80% placements. AISSMS Institute of Information Technology in Shivajinagar, Pune requires ~99.1 OBC percentile for CSE, featuring high-end computing clusters and 82% placements. Sinhgad College of Engineering in Vadgaon, Pune admits OBC CSE at ~99.0 percentile, backed by robust placement support (~80%). PVG’s College of Engineering & Technology in Pune closes OBC CSE at ~98.9 percentile, offering modern software labs and 78% placements.

recommendation: Prioritise College of Engineering Pune for its premier infrastructure, highest OBC cutoff and superior placement momentum. Next, choose VJTI Matunga for its established industry linkages and consistent recruitments. Then opt for Pune Institute of Computer Technology for its specialized CSE curriculum and robust placement record. All the BEST for Admission & a Prosperous Future!

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Ans: Kamlesh, SRM Institute of Science and Technology, Kattankulathur (Chennai) offers a NAAC A++-accredited B.Tech in CSE with AI & ML specialization, delivered by PhD-qualified faculty in dedicated AI/ML and deep-learning labs. Its Career Development Centre reports over 90% CSE placement consistency, engaging 980+ recruiters (Microsoft, Amazon, IBM) and securing average packages of ?7–8 LPA alongside structured six-month internships and capstone projects with industry partners. Rigorous curriculum, modern infrastructure, robust research collaborations, and strong alumni networks ensure comprehensive skill development for emerging AI roles.

Recommendation: Embrace SRM KTR’s AI & ML programme for its superior placement momentum, advanced research labs and deep industry tie-ups to launch a successful AI career. All the BEST for Admission & a Prosperous Future!

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Ans: HI SUBHAJIT,
HOW ABOUT GPAT?