Can I Get Admission in NIT/IIIT with 87.6 Percentile (EWS) in JEE Mains 2025?

Ans: Your question already suggests a clear direction. Given his strong passion for Mathematics and Physics, pursuing Engineering or Research Studies would be a natural choice, especially considering his impressive AIR-111 in IAT. However, it's important to note that most IISER-UG graduates opt for postgraduate studies or Ph.D. programs abroad. If you can afford it, this could be a great pathway for him. Additionally, keeping Engineering as an option would be wise, especially if he secures a good rank in JEE Advanced. All the Best for your Prosperous Future.

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Ans: NO. Candidates from other states are eligible for a limited quota of seats (through MHT-CET of Maharashtra) in self-financed and private colleges but are not eligible for government quota seats. The COMEDK entrance exam in Karnataka is open to students from across India; however, it does not apply to government colleges in Karnataka. If you are considering government colleges, you may explore options in Uttar Pradesh, where JEE Main scores are accepted for admission.
All the Best for your Prosperous Future.

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Ans: You want to invest Rs 30,000 per month across multiple SIPs. Allocating funds efficiently is important for long-term wealth creation. Let’s evaluate your portfolio and decide the best allocation strategy.

Evaluating Your Current Portfolio
Your portfolio consists of the following categories:

Sectoral and thematic funds – Technology, consumption, infrastructure, Bharat 22
Tax-saving funds – ELSS funds
Gold and silver funds – Precious metal investments
Index funds – Passive investment approach
Each category has different risk, return potential, and diversification benefits. Let’s assess each one.

Sectoral and Thematic Funds
High-risk, high-reward investments – These funds invest in specific industries. Their performance depends on the growth of that sector.

Not suitable for large allocation – These funds are volatile and should be a small portion of your portfolio.

Recommended allocation: 15-20% of total SIP amount – Spread this amount across different sectors for better diversification.

Tax-Saving Funds (ELSS)
Helps in tax savings – Investments in these funds provide deductions under Section 80C.

Mandatory lock-in of three years – Ensure that you can stay invested for this duration.

Recommended allocation: 20-25% of total SIP amount – This depends on your tax planning needs.

Gold and Silver Funds
Acts as a hedge against inflation – Precious metals protect against economic downturns.

Volatility and long-term returns – Prices fluctuate, and returns may not always match equity funds.

Recommended allocation: 5-10% of total SIP amount – This prevents overexposure to metals.

Index Funds
Limited flexibility – These funds mirror an index and do not react to market changes.

Underperforms during volatile periods – Actively managed funds adapt better to market shifts.

Misses on alpha generation – Professional fund managers provide better stock selection.

Recommended allocation: Avoid completely – Actively managed funds are a better choice.

Optimal SIP Allocation Strategy
Based on the above evaluation, your Rs 30,000 monthly SIP can be divided as follows:

Actively managed diversified equity funds: Rs 12,000 (40%) – These funds provide long-term stability and higher growth potential.
ELSS tax-saving funds: Rs 6,000 (20%) – Helps in tax savings while investing in equity.
Sectoral and thematic funds: Rs 4,500 (15%) – Invest selectively in growing sectors.
Gold and silver funds: Rs 3,000 (10%) – Provides hedging benefits.
Infrastructure and Bharat 22 funds: Rs 4,500 (15%) – Exposure to government-driven sectors.
You can adjust these allocations based on your risk tolerance and financial goals.

Key Considerations Before Investing
Avoid overconcentration in any single theme – Too much investment in one sector increases risk.

Prioritise actively managed funds – These funds adapt to market conditions better than index funds.

Monitor performance regularly – Review your investments every six months.

Ensure diversification across sectors – A well-diversified portfolio reduces risk.

Finally
Your investment should align with your financial goals and risk appetite. A well-balanced SIP allocation improves returns and reduces volatility.

If needed, consult a Certified Financial Planner to refine your strategy further.

Best Regards,

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

Ans: Hello A.L.
CSE branch is not possible..You did not mention the category. Assuming OC, with a score of 97.333, you have a chance to get any branch in one of the NITs but surely in IIIT. Please check all the previous cut-offs of all NITs before filling in the options.

Follow me for a prompt reply. Else ask again without hesitation.
Thanks
Radheshyam

Ans: You are in the 30% tax slab. The choice between taking a loan or using your fixed deposit depends on multiple factors. Let’s evaluate both options from a financial and strategic perspective.

Benefits of Taking an Education Loan
Tax Benefits on Interest Paid

The interest paid on an education loan qualifies for a tax deduction under Section 80E. This benefit is available for up to eight years.

Since you fall in the 30% tax slab, this deduction can help reduce your taxable income.

Liquidity Retention

Keeping your fixed deposit intact ensures liquidity for emergencies and other financial goals.

Unexpected medical expenses or job loss can impact cash flow. A loan helps you maintain financial security.

Low-Interest Rates Compared to Other Loans

Education loans usually have lower interest rates than personal loans. Some banks also provide a moratorium period, during which repayment starts after course completion.

Credit Score Improvement

Timely repayment of the loan will improve your credit score. This can help in the future if you need to take another loan.

Disadvantages of Taking an Education Loan
Interest Outflow

Even though the tax benefit reduces the burden, you will still pay more than the actual loan amount due to interest.

If you can afford the expenses without affecting other goals, avoiding interest payments is better.

Loan Repayment Burden

If your son does not secure a high-paying job immediately, the repayment can become stressful.

You may have to step in to make EMI payments, affecting your retirement plans.

Benefits of Using Fixed Deposits
No Interest Outflow

By using your own funds, you avoid paying interest to the bank. The actual cost of education remains lower.

Peace of Mind

Without a loan, you won’t have to worry about monthly EMI payments. This ensures financial stability and mental peace.

Better Financial Freedom for Your Son

If you fund the education yourself, your son starts his career debt-free. This gives him more flexibility in career choices.

Disadvantages of Using Fixed Deposits
Loss of Liquidity

Using the fixed deposit will reduce your emergency funds. If another major expense arises, you may struggle to arrange funds quickly.

Impact on Other Financial Goals

If this fixed deposit was set aside for another financial goal, using it for education may delay that goal.

You need to evaluate whether this will affect your retirement or home purchase plans.

Tax on Fixed Deposit Interest

The interest earned on fixed deposits is fully taxable as per your slab. Since you are in the 30% slab, this reduces your net return.

Key Factors to Consider Before Deciding
Cash Flow Stability

If your monthly income and investments provide enough financial security, paying from the fixed deposit is a good option.

If not, an education loan can help manage cash flow better.

Alternative Investment Options

If your fixed deposit is earning lower returns than the loan interest rate, it makes sense to use it instead of taking a loan.

If your investments are growing at a higher rate than the loan interest, taking a loan is financially better.

Risk Tolerance

If you are comfortable managing debt and can benefit from the tax deduction, a loan can be a strategic decision.

If you prefer a risk-free approach, using your fixed deposit is the better choice.

Optimal Approach for You
Since you are in the 30% tax slab, an education loan can provide tax benefits.

However, if your fixed deposit is earning a lower return than the loan interest, using it can be financially smarter.

If liquidity is not a concern and your retirement plans remain unaffected, funding education yourself is a good choice.

A balanced approach is also possible. You can take a partial loan and use some of your fixed deposit. This way, you reduce the loan burden while keeping some liquidity.

Finally
Taking an education loan has tax benefits and keeps liquidity intact. However, it comes with interest costs and repayment obligations.

Using your fixed deposit saves interest but reduces liquidity and may impact other financial goals.

The decision depends on your financial stability, investment returns, and long-term goals.

A Certified Financial Planner can help structure your finances in the most tax-efficient way.

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

Ans: First thing is that you were curious towards sex and it is natural. No one can deny sex, because we are born out of sex. You feel guilty because you viewed pornography in a hidden way. Don't be ashamed for that. But certainly due to your addiction your career is damaged. Consider SEX in a natural way but don't allow sex or sex channel to dominate your will power. Set some goals and try to reach them. I am sure you will succeed. Best of luck. Professor

Ans: A 72 percentile in JEE Main is on the lower side, but you can check the opening and closing ranks for 2024 on the JoSAA website to determine your eligibility for specific NITs and branches. Additionally, you should consider reappearing for the April session to improve your score. It’s also wise to have Plan B and Plan C by applying for 3-4 other entrance exams as backup options, allowing you to choose the most suitable college based on your final results. All the Best for your Prosperous Future.

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Ans: If you sell your old house in January-2025 (Registered Deed), you will have to complete the purchase process (by getting it Registered in your name) of house (with 25% your share) with in 2 years from January-2025. This will enable you to claim deduction u/s 54 to save LTCG.
The exemption shall be available for Rs.55.00 lakhs (25% share in purchased property) or your LTCG on sold house, which ever is less.
Most welcome for any further clarifications. Thanks.