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Nayagam P

Nayagam P P  |12553 Answers  |Ask -

Career Counsellor - Answered on Sep 01, 2026

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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T Question by T on Aug 19, 2026
Career

Sir, I belong to the ST category and I am from Telangana. For JEE/JOSAA and CSAB counselling, is my Telangana State ST certificate sufficient, or do I need a Central Government ST certificate?

Ans: For JEE/JOSAA and CSAB counselling, a Telangana State-issued ST certificate from a competent authority (Tehsildar/SDM/DM) in the prescribed Central Government format (FORM-ST) is sufficient; you do not need a separate Central Government certificate. Ensure it cites the Constitutional ST order and has proper stamp/signature. All The Best for Your Prosperous Future!

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Career Counsellor - Answered on Jun 14, 2025

Asked by Anonymous - Jun 11, 2025
Career
I have obtained a OBC-NCL rank of 134634 and a CRL rank of 375890 in JEE (MAINS). I am from West Bengal. I want to study B. Tech CSE only. Drop is not an option. I have opted for some exams of reputed private colleges like SRM. But I still want to atleast apply for JoSAA counselling. What are the best possible colleges for my rank that I should apply for in JoSAA counselling(I have my OBC-NCL quota and West Bengal Home State quota)? Also if I feel the need to apply for CSAB counselling, what colleges should I apply for in CSAB counselling? Please help me. I am really lost. Thank you in advance.
Ans: I hope you’ve filled in the right choices in JoSAA based on your rank. In any case, here’s the answer to your query for cross-verification: With your JEE Main OBC-NCL rank of 134634 and CRL rank of 375890 from West Bengal, securing CSE admission through JoSAA counselling presents significant challenges at top-tier NITs and IIITs but viable opportunities exist at specific institutions leveraging your category and home state advantages . For JoSAA counselling, your rank falls outside the competitive range for premier CSE programs at top NITs like NIT Trichy (OBC-NCL cutoff 300-450), NIT Durgapur CSE (OBC-NCL cutoff 1939-3135), or NIT Rourkela CSE (OBC-NCL cutoff 589-1066) . However, you have realistic prospects at IIIT Kalyani under West Bengal home state quota with CSE cutoff reaching 37195 for OBC-NCL category, and newer IIITs where cutoffs extend beyond 100,000 ranks in later rounds . Government-Funded Technical Institutes (GFTIs) offer the most viable pathway with CSE cutoffs ranging from 25,000-50,000 for OBC-NCL category, including BIT Mesra (OBC-NCL CSE cutoff 8471), IIEST Shibpur (OBC-NCL CSE cutoff 11129 for home state quota), and other CFTIs accepting ranks up to 200,000+ . For CSAB counselling, focus on remaining vacant seats at GFTIs, newer NITs in special rounds, and technical institutes where cutoffs typically extend further than regular JoSAA rounds . Recommendation: Apply for JoSAA targeting IIIT Kalyani, BIT Mesra, IIEST Shibpur under home state quota, and multiple GFTIs while preparing for CSAB counselling as backup, though securing quality CSE admission through private colleges like SRM remains your most realistic pathway given current rank limitations. All the BEST for the Admission & a Prosperous Future!

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Latest Questions
T S Khurana

T S Khurana   |571 Answers  |Ask -

Tax Expert - Answered on Sep 07, 2026

Money
a. An apartment in a four in one building was purchased by me on 18/02/1991 at a cost of Rs.2,60,000/- b. All the four owners of the building decided to go for redevelopment and Joint Development agreement was done with a builder on 12/02/2019. c. As per agreement total 6 flats will be constructed of which four for original owners and two for the builder. d. The vacant possession of the building was handed over to builder only during June 2019. e. Building demolition permission was obtained on 5/08/2019 f. New Building approval was given on 9/10/2020. ( The delay was due to Coastal Zone permission and new FSI rule approval ) g. Completion certificate was obtained on 8/3/2023. h. There was nil monetary transaction between owners and builder. i. The builder sold his flats for RS.1.04 crore and Rs.1.02 crores respectively 0n 30th June 2023.(ie.on getting completion certificate) j. Now I propose to sell my flat for 1.125 crore. BASIC DETAILS : I. I have Pension income, Interest from deposits and Dividend income from my Bank’s shares and am a regular IT payer. II. I have two house properties of which the above is one and another is a dilapidated house in a remote village with taxable value of Rs.35/- III. I was showing the house property income of Rs.35/- under ITR2 till assessment year 2020-21. IV. On demolition of the above flat in 2019, I was showing the village property only as self-occupied with NIL income under ITR1. V. This continued till assessment year 2025-26. ( It means for assessment years 2023-24,2024-25 and 2025-26 the reconstructed property was omitted to be shown in IT. The effect on taxation is Rs.11/- per year considering the village property’s taxable value) VI. This year I have shown both the properties as self-occupied in my IT return Advise sought: A. How to ascertain the value of property on the date of completion certificate? B. The property not being alienated, the capital gains should be “NIL” as on 2023. But in 2023-24 IT return it was not brought out. What is course correction for it now? C. What will be the Capital gain on sale of this property now - may be during September?
Ans: Relavent dates and figures are :
01. Purchase Price (1991) Rs.2.60 (L).
02. Expected Sale Price (2026) Rs.112.50 (L).
03. No Cost/Expenses were incurred during 12.02.2019 to 2026 (expected Sale date).
04. You will have to pay LTCG based on these figures.
05 (a). TAX PLANNING : You should get a Valuation Certificate from Architect, about the value of your Flat as on 01.04.2001. This can be treated as Cost of your property/flat in 2001. Indexation benefit may be taken from this date & this value.
05 (b). Since you occupied this Flat during the period from 2001 (date of valuation) till June-2019, you can claim Maintenance & Renovation Cost during this period, if any. This shall reduce your tax liability.
05 (c). Cost or Value an on date of completion certificate, is not relevant in this case. Cost of newly build flat shall be considered as explained in above points.
06. LTCG shall be taxed at rate of 12.50% without Indexation or @ 20% with Indexation.
07. Exemption can be claimed u/s 54 if you purchase another Residential unit, with in specified time. You can also purchase Capital Gain Bonds up to Rs.50.00 (L) to save Tax.
08. You are most Welcome to write for any further details or points, if required. Thanks.

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Nayagam P

Nayagam P P  |12553 Answers  |Ask -

Career Counsellor - Answered on Sep 07, 2026

Asked by Anonymous - Sep 06, 2026
Career
Hello sir Can you suggest me which college should I target Based on mht cet in ACAP/SPOT ROUND For tech branch at 85 percentile Ladies obc mh candidature
Ans: Based on your MHT-CET percentile, Maharashtra candidature, OBC category and female candidature, you can consider the following colleges for ACAP/Institute-Level or Spot Round opportunities, depending on the vacancies available: A) Dream – Apply, but don’t depend much on these: 1) PCCOE, Ravet – CSE/AI-DS; 2) AISSMS IOIT, Pune – IT/E&TC; 3) MMCOE, Karvenagar – AI-DS/E&TC; 4) MIT Academy of Engineering, Alandi – CSE/IT; 5) JSPM RSCOE, Tathawade – E&TC/other technology branches. At 85 percentile, these should be treated as aspirational options, with ACAP/spot vacancies determining the actual opportunity.

B) Target – Best ACAP/Spot opportunities: Dr. D. Y. Patil Institute of Technology, Pimpri-Akurdi – AI-DS/E&TC; 7) Dr. D. Y. Patil Technical Campus, Talegaon – CSE/AI-DS; 8) Dhole Patil College of Engineering, Pune – IT; 9) Zeal College of Engineering & Research, Pune – AI-DS/IT; 10) Sinhgad College of Engineering, Vadgaon – IT; 11) D. Y. Patil College of Engineering, Lohegaon – AI-DS/E&TC. This should be the primary focus because these options provide a more realistic balance between college quality, technology branches and the possibility of ACAP/spot vacancies.

C) Safe – Keep as strong backups
JSPM Narhe Technical Campus – CSE/IT/AI-DS; 13) RMD Sinhgad School of Engineering – IT/AI-DS; 14) Pillai College of Engineering, New Panvel – IT/Computer; 15) Terna Engineering College, Navi Mumbai – IT/Computer; 16) SIES Graduate School of Technology, Navi Mumbai – IT/Computer. These should be maintained as practical backup choices if preferred Pune options do not materialise.

Recommended preference order: 1) DYP Talegaon CSE, 2) Dhole Patil IT, 3) Zeal AI-DS, 4) Sinhgad IT, 5) DYP Akurdi AI-DS/E&TC, 6) AISSMS IOIT E&TC, 7) PCCOE-R AI-DS, 8) JSPM Narhe CSE/IT, 9) RMD Sinhgad IT, and 10) DYP Lohegaon AI-DS/E&TC. ACAP/Institute-Level vacancies are dynamic, so these are targets rather than guaranteed admissions; Maharashtra CET Cell requires institute-level admissions to follow the prescribed admission rules and merit process. All The Best for Your Prosperous Future!

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