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Nayagam P

Nayagam P P  |10834 Answers  |Ask -

Career Counsellor - Answered on Sep 22, 2025

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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Abhishek Question by Abhishek on Sep 20, 2025Hindi
Career

Sir is it better to take Cse or ece at nit patna or Last branches like civil chemical at top nits.

Ans: Abhishek, When evaluating CSE or ECE at NIT Patna versus core branches like Civil or Chemical Engineering at top NITs, several crucial factors emerge from comprehensive analysis of official placement data, institutional rankings, and career trajectories. NIT Patna has demonstrated impressive placement performance with an overall rate of 74.96%, where CSE achieves 89.6% placement with average packages ranging from 14-15 LPA and highest packages reaching 52 LPA. The ECE department maintains a respectable 72.7% placement rate, with students securing positions at leading companies like Microsoft, Amazon, and Google. However, when examining core engineering branches at premier NITs, the landscape reveals compelling alternatives. NIT Trichy Civil Engineering, despite lower placement percentages around 76-79%, offers packages up to 35 LPA with an average of 13 LPA. Chemical Engineering at top NITs like NIT Warangal and NIT Trichy demonstrates strong industry connections with packages reaching 34 LPA and average salaries between 12-13 LPA. The institutional advantage becomes significant when considering NIRF rankings, where NIT Trichy (Rank 9), NIT Surathkal (Rank 12), NIT Rourkela (Rank 16), and NIT Warangal (Rank 21) substantially outrank NIT Patna (Rank 56). Core engineering branches at these premier institutions benefit from established industry relationships, superior research infrastructure, extensive alumni networks, robust placement cells with over 100+ visiting companies, and comprehensive internship opportunities with stipends reaching up to 1 lakh per month. The five most critical institutional aspects include academic reputation reflected in NIRF rankings, placement consistency across economic cycles, industry partnerships spanning diverse sectors, research opportunities enabling higher studies pathways, and campus infrastructure supporting holistic development. While CSE at any institution currently enjoys market advantages due to the technology boom, core branches at top NITs provide sustainable career foundations with opportunities in PSUs, government sectors, and specialized industries that remain economically resilient during market fluctuations.
Prioritize Civil Engineering at NIT Trichy or Chemical Engineering at NIT Warangal over CSE/ECE at NIT Patna. The institutional prestige, established industry connections, diverse career pathways, and long-term stability of core branches at premier NITs outweigh the short-term placement advantages of computer science branches at lower-ranked institutions, providing superior career foundations and professional growth opportunities. All the BEST for a Prosperous Future!

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Naveenn

Naveenn Kummar  |228 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 10, 2025

Money
Hi, I'm 49 married with 2 kids aged 16 and 11. I work in mid mgmt in a Finance co. Wife is 45 works at a Bank. Combined annual salary is 80 lakhs. Live in a home which just got loan free. Have a rental income of 40k monthly that my wife gets. Mom also lives with us and she gets a rental income of 45k per month. I have invested in a small office space which will be ready by mid 2027 and has a construction linked plan, have to pay 40L more. I Have stocks of 45L and EPF of 60L PPF of 12 L. Have ancestral property in land at native place not much but say 25L. Mom has pledged 50% of her assets to my sister. Liability of office and company car is 6L. School fees and tution fees are paid from rental income and wife chips in. There's maintenance, club membership fees, insurance, repairs and maintenance, kids pocket money, groceries, internet, mobile, maids etc. which I pay. I'm thinking of quitting my job and starting something on my own. I am a guest lecturer at a college which is pro bono and also helping 2 Startups of friends over weekend with a tiny equity stake in one. Is it a right decision? Pressure at work is high, growth chances are minimum. Many colleagues asked to go. The environment isn't very encouraging. Pls advise if I'm ok financially with about 45 lakhs liability. Never got a chance to save as EMIs were 75% of income. I'm unable to get a direction.
Ans: You are 49, with a stable dual-income family, home loan cleared, and some investments in place. You feel stagnated in your job and want to start something of your own. It’s a natural and valid thought at this life stage — but the decision needs to be planned, not impulsive.

At present, your financial base is decent but not fully liquid. You still have about ?45 lakh in liabilities, upcoming education costs for your children, and limited cash reserves. Your wife’s job and rental income can sustain household expenses, but not much beyond that.

The wise move is to continue your job while you explore your business or investment idea part-time. Use the next 18–24 months to:

Clear pending loans, especially the office property.

Build a minimum ?20–25 lakh emergency corpus.

Fund your children’s education separately.

Test and refine your business idea alongside your job.

Before quitting, also discuss openly with your spouse whether she is comfortable with you stepping away from a steady income. Her emotional and financial comfort will determine how smooth your transition is.

In short:
Keep your job, continue your startup or investing interest part-time, strengthen your finances, and plan a structured exit once liabilities are cleared. Freedom feels best when it’s backed by security, not uncertainty.

Contingency buffer and health insurance details:
For detailed financial planning and portfolio reconstruction, please connect with a Qualified Personal Finance Professional (QPFP).

Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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