Home > Career > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Confused PCM Student: Can't Choose the Right Stream for My Future

Nayagam P P |10900 Answers |Ask -Follow

Career Counsellor - Answered on Jul 20, 2024

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.
... more

Asked by Anonymous - Jul 19, 2024Hindi

Career

I am not able to choose stream for future in my career as a pcm student

Ans: List out your interests. Shortlist the top-5 preferred streams. Prepare well accordingly for the Entrance Exams. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

You may like to see similar questions and answers below

Dr Dipankar Dutta |1849 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Aug 02, 2024

Question by Soniya - Aug 02, 2024Hindi

Career

Sir I don't know what to do in career and I don't no my interest . I am afraid of pcm that it is very hard

Ans: No subject is hard if you study, otherwise all subjects are hard.

Radheshyam Zanwar |6793 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 23, 2024Hindi

Career

Hi I am in 12th pcm stream but the problem is I don't have any idea about the career, I don't know what to do next I always thinks that I made a mistake in choosing the stream and because of the I can't even study always regret please tell what should I do

Ans: Hello.
You are suggested to focus on the 12th PCM without taking any stress at present. At present there is no reverse path for you. First, you appear for the 12th Board and then either state-level engineering entrance or JEE examination. Based on the board examination score or engineering entrance, there are many options for further studies. Don't take any stress at this level and it is also not recommended to talk about alternative options right now. After examination and results, please contact us again to explore more based on your score and your dream path.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Prof Suvasish Mukhopadhyay | Answer |Ask -Follow

Career Counsellor - Answered on Apr 07, 2025

Question by Akhil - Apr 07, 2025Hindi

Career

Hello sir/madam, I am now 17 years old, I have done my 10 th, I am good in physics and maths , I am not getting good advice,my family says me to choose pcm ,what stream should I choose for a good job in future? Thank you sir/madam

Ans: Go for PCM. Since you love Physics and Chemistry your interest in Chemistry may be slightly less. Complete 12th Standard with PCM and then seek further guidance. Professor

Prof Suvasish Mukhopadhyay | Answer |Ask -Follow

Career Counsellor - Answered on May 07, 2025

Question by Pratyusa - May 07, 2025

Career

I have cleared my 10th board with 95% I am ensured with stream to choose PCM or PCB I don't know which field I am better suited for sometimes I like maths and sometimes biology I have I don't know which field I am interested in. I do also love physics. my parents also give me a full freedom to choose a stream that I prefer can you please give me some suggestions?

Ans: Sit comfortably and detach from your books and notes for three days. No mobile, no Laptop, no guest. Just stay with yourself for three days and ask yourself whether you want to be doctor/computer engineer/Biotechnology professional/B.Pharm/Mechanical Engineer/ MBA. You will surely get the answer.

Latest Questions

Dr Dipankar Dutta |1849 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 03, 2026

Asked by Anonymous - Feb 03, 2026Hindi

Career

What are the other option available other than jee mains and advanced .I am from Assam

Ans: Are you asking about Engineering?

Anu Krishna |1765 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 06, 2026Hindi

Relationship

I am ready to stand against my parents for the boy I love, but he isn’t willing to stand up to his family. We are both Hindus but our customs, language and rituals are very different from each other. Since the time we started dating, I have tried to give up on my choices for the sake of our happiness. He proposed to me last year after dating for 12 years. I said yes. Now he wants me to convince his parents. He is 29, the eldest son of the family but he feels his parents will not agree for our marriage. His entire family is against us. His mother won't even look at me, forget sit down and talk. I told him we'll have a court marriage and live separate but he wants me to convince his family. If he doesn't take responsibility now, how can I expect him to stand up for me in the future?

Ans: Dear Anonymous,
Are you serious? He happily got into a relationship with you BUT now wants to hide when it's time to talk to his parents.
He's 29 and as a mature adult you must learn to understand that until marriage it's his responsibility to not just talk to his parents but also find a way to make you and his parents meet.
Instead, he chooses to hide or he's scared? Do push him gently into his responsibilities and if you catch him delaying talking to his parents, then understand that he has a personality that avoids conflicts especially with his parents. Do imagine what it can be for you once you are married into that house.
Have an honest chat with him; love is not always roses and candles...straight and honest talk is always better before taking that big step.

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

Anu Krishna |1765 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 02, 2026Hindi

Relationship

I don't share secrets with my husband any more. Though we were friends when we were dating, I've noticed he takes me for granted since we got married. He used to take so much more interest in talking and getting to know me. Now I’ve started keeping parts of my life, thoughts, and feelings to myself because I feel sharing it with him is pointless. Not because my partner is unkind, but because I don’t feel understood anymore. Why do men take their girlfriends seriously and wives for granted?

Ans: Dear Anonymous,
The courtship phase is far from the marriage phase. During courtship, certain parts of the self go hidden in the eagerness of impressing the other person. Now, this usually is done unknowingly BUT when realoty hits, it feels like you have been cheated.
Instead of feeling disappointed and assuming that you need to do the worst, why don't you create situations where you start sharing by saying: "I would love for you to hear this..." OR "It means a lot when I feel heard..."

Roadblocks aren't the end of the world; you just learn to navigate around it to walk on a clear path.

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

Anu Krishna |1765 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 07, 2026Hindi

Relationship

My daughter got married 6 months ago, that is in July, completely arranged marriage, both agreed happily. Now the problem is, my son in law is not touching her since first day, sleeping separately by keeping a pillow between them. Once he said to my daughter that he is not interested in marriage, career oriented, we all shocked. He could have said at the time of interview itself. Now he is saying that he wants to correct himself and taking couple therapy sessions. Now my question is, is this problem common or very rare? Will therapy useful? We are all including his parents are very much worried about our daughter's future, how long should we wait for his recovery? Please answer.

Ans: Dear Anonymous,
I do understand that you are worried for your daughter. Yes, your son-in-law could have stated it clearly during the initial meetings that he wants to focus on his career. But...
But I do believe Couples Therapy can help break the wall between the couple; hopefully if the therapist helps your son-in-law with what exactly is bothering him.
Let them go through a couple of sessions and then you can talk to your daughter on whether there is any change in their connection or not.

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

Mihir Tanna |1095 Answers |Ask -Follow

Tax Expert - Answered on Feb 03, 2026

Question by Rabindran - Feb 01, 2026Hindi

Money

In today's Budget is there any change in the taxation of LTCG on sale of immovable property

Ans: No change in it.

Patrick Dsouza |1443 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Feb 03, 2026

Asked by Anonymous - Jan 31, 2026Hindi

Career

I am a B pharm Graduate (batch 2024) from MET Bhujbal knowledge City but after my completion of B pharm, I didn't get any industrial experience or good job. even seems like I lost interest in pharma field but i want to pursue MBA and want to settle in abroad, can you please recommend me countries which accepts MBA in Healthcare graduates from India. Even MBA in helathcare is better or Pharma MBA............even suggestion of course which can create interest are most welcomed because i completely lost my interest to work with pharmaceutical companies. moreover, I am doing medical coding course right now how can that course be helpful for me, are there any aboard opportunities in medical coding ?

Ans: If you want to settle abroad, it would be advisable to do MBA from abroad. Identify the country you want to settle and check the courses available in that country that suits you. In India you can do Healthcare MBA or Pharma MBA from colleges like TISS, GIM, NMIMS, etc. You will have to write entrance exams for the same.

Patrick Dsouza |1443 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Feb 03, 2026

Question by sundram - Feb 03, 2026Hindi

Career

My brother did mbbs from Kyrgyzstan but he didn’t pass fmge so can he do MBA in pharmaceutical management he did 12th and then he went Kyrgyzstan he haven’t any graduate digree from India he have 10th 12th and mbbs digree from osh state university Kyrgyzstan can he do MBA

Ans: He can do MBA from India. To do MBA from India you need nothave degree from India. You can apply as foreign student. Ensure your international degree is recognized by the Association of Indian Universities (AIU) if applying to certain public institutions, though most top private business schools recognize accredited international degrees. You will have to write entrance tests like CAT / GMAT ...

Reetika Sharma |524 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Question by sarvothama - Jan 06, 2026Hindi

Money

sir, I am 28 year old Engineer working in IT field for 6 years. Recently married and my wife is also working in a IT Company. I have started investment in MF since my first salary and at present total the corpus is 15 L and my present SIP amount is 60K. In addition I am having 6L in PPF, 8L in Bank FD, 15L PLI and 5L Health Policy. My parents are well settled. My portfolio is as given below. 1. ICICI Prud. NASDAQ - 3K 2. Parag Parikh Flexi Cap - 10K 3. Quant ELSS - 7K 4. HDFC Retirement Saving - 10K 5. Kotak Mid Cap - 6K 6. SBI Focused Equity - 8K 7. Bandhan Small Cap - 8K 8. Nippon India Multi Asset - 8K My investment time horizon is 20+ years. Please review and suggest changes required if any. With Thanks & Regards, S. Salvankar

Ans: Hi Sarvothama,

You are doing great with your iverall investments at such age. Early investment really helps you in the long run. Let us analyse everything in detail:
1. Make sure to have ample emrgency fund in FD or liquid funds.
2. You should have proper term insurance and health insurance for yourself and family. As your spouse is working, she should also have an independent term insurance.
3. 8 lakhs in FD - can be treated as your emergency fund.
4. 6 lakhs in PPF - not recommended as a=you must have your EPF being an IT Professional. PPF is just like EPF, hence make minimum contributions to keep the account active and close it when 15 years tenure is over.
5. Health policy - 5 lakhs >> insufficient keeping in mind rising medical costs. Increase it to a minimum of 25 lakhs family floater for yourself and spouse.
6. 15 lakhs PLI - continue.
7. 15 lakhs + 60k monthly SIP in mutual funds. Very good and you should continue. However, the funds chosen are not exactly great. Entire allocation needs a proper plan in alignment to your profile and long term goal. It is better to work with a professional to choose better funds for your 20+ years goal.
I will not recommend continuing your SIPs in - Quant ELSS, HDFC Retirement Savings, Nippon multi asset and Focused Equity fund.

Hence overall reallocation and distribution in required here.
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/

Reetika Sharma |524 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Question by Ashish - Jan 23, 2026Hindi

Money

Sir, I am a 44 years old male and have made following investments in Mutual Funds, which are as follows, please let me know if it is good to go: DSP India T.I.G.E.R. (The Infrastructure Growth and Economic Reforms Fund) Direct Growth (Rs. 1,000) Nippon India Small Cap Fund Direct Growth (Rs. 1,500) Axis Silver FoF Direct Growth (Rs. 1,000) LIC MF Gold ETF FoF Direct Growth (Rs. 1,000) Parag Parikh Flexi Cap Fund Direct Growth (Rs. 1,000) Motilal Oswal Midcap Fund Direct Growth (Rs. 500) SBI PSU Direct Plan Growth (lumpsum - Rs. 7,000) Aditya Birla Sun Life PSU Equity Fund Direct Growth (lumpsum - Rs. 6,000) I urge you to review my above portfolio as a whole and thereafter appropriately guide me whether I need to switch any of the above SIPs or stay invested as it is, particularly I am more worried about ‘Nippon India Small Cap Fund Direct Growth’ (keeping in consideration that my SIP becomes more than 1.5 years old with this Fund), it has generated negative returns more often, which now becomes my cause of concern, as a result sometimes I felt that I had invested in a wrong fund. My intent for the above investment is to create sufficient wealth, till the time of my retirement. Now, I seek your valuable guidance over the above, enabling me to reach to a decision. Thanks & regards, Ashish

Ans: Hi Ashish,

You have long 16 years till your retirement and proper guided investment can do wonders with your monthly SIPs.
Your concern regarding Nippon Small Cap fund is genuine but this is exactly how markets work. One cannot expect their money to double in an overnight. It needs patience and proper plan to generate even bare minimum of 12% annual return.

I see all the funds you invest in are direct funds. while direct funds are more preferred as they have lower expense ratio of about 0.5%, regular funds are better as they come with proper plan and guidance throughout.
Generating 2-4% returns in these types of direct funds v/s getting 12% return in regular funds - there is always an option.

However, continue with Nippon small cap, Parag Parikh Flexicap, and Motilal Oswal Midcap fund. Stop SIPs in other funds and work with a proper advisor to redirect these funds into better new funds.

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/

Reetika Sharma |524 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Question by Srinivas - Jan 07, 2026Hindi

Money

My sip investment in sbi health care opportunities fund direct growth has given only 1.29%of growth even after 14months. Should I continue?

Ans: Hi Srinivas,

The fund you mentioned is a sectoral fund and these works like this only. It is not recommended to invest blindly in a random fund and lose your hard earned money.
Stop this SIP and consult a professional to start afresh. Go for a multi cap fund.

Or better work with 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/

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x