Home > Career > Question
Need Expert Advice?Our Gurus Can Help

CMR vs NHCE for BTech: Which College is the Best Choice?

Dr Dipankar

Dr Dipankar Dutta  |1696 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Jul 28, 2024

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
SYED Question by SYED on Jul 28, 2024Hindi
Listen
Career

CMR & NHCE which is best for btech

Ans: As NHCE is NBA accredited and has obtained NAAC A+ grade you should prefer that.
Career

You may like to see similar questions and answers below

Latest Questions
Nayagam P

Nayagam P P  |8220 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
Sir, 1. Chemical Engineering at NIT Warangal Or 2. CSE at IIIT Kanchipuram or 3. Dual Degree programs, such as MSc Biology at BITS Hyderabad. Each has its own reputation. NIT Warangal, being one of the top NITs, but, we are uncertain about its future prospects compared to a branch like CSE. IIIT Kanchipuram is a mid-tier IIIT; however, the branch is CSE, which is what my son is leaning towards. The BITS dual degree, though a reputed one, will keep us guessing and put us in uncertainty for one more year as to which BTech branch he will be allotted. The obvious choice seems to be taking CSE, as he's inclined anyway. But, is a CSE degree from IIIT Kancheepuram worth it? Had it been a top-tier IIIT, this question wouldn't have been raised at all. Thank you in advance for your advice.
Ans: NIT Warangal’s B.Tech in Chemical Engineering combines a strong curriculum, experienced faculty, modern process and reaction engineering labs, robust MoUs for industrial internships, and consistent placement rates around 87.21% over the past three years with a median package of ?11.88 LPA. However, heavy theoretical rigor, narrower recruiter diversity, moderate average packages compared to CSE, limited elective flexibility, and a rural campus setting are considerations. IIIT Kanchipuram’s B.Tech CSE programme offers a government-backed PPP model, dedicated AI/ML and software labs, practical design projects, growing industry tie-ups, and an average package of ?9.60 LPA with a current placement rate of 53.4% in CSE. Yet, its mid-tier ranking, fewer top-tier recruiters, ongoing campus-placement growth, smaller alumni base, and lower placement consistency pose challenges. BITS Hyderabad’s four-year Integrated M.Sc. Biological Sciences delivers interdisciplinary training, state-of-the-art biotech and molecular labs, dual-degree flexibility, strong research centres, and an 87.39% placement rate in 2024 with an average salary of ?20.36 LPA. Drawbacks include high fees (?20.76 L total), potential delay in branch clarity, limited core engineering exposure, intense academic demands, and placement uncertainty for pure science graduates.

For highest immediate ROI with strong core-engineering and placement stability, the recommendation is NIT Warangal Chemical Engineering. Next in preference is BITS Hyderabad Integrated M.Sc. Biological Sciences for top?tier research exposure and superior average packages, followed by IIIT Kanchipuram CSE if his primary inclination toward computing outweighs its nascent placement record. My Suggestion: Since your son has a strong interest in Computer Science, opting for IIIT-K CSE would be a wise decision. To stay competitive, it’s important that he maintains a consistent and decent CGPA throughout his academic journey. Alongside, he should continue upgrading his technical skills over the next four years, aligning with faculty guidance and evolving job market trends. Developing a strong and professional LinkedIn profile and focusing on soft skill development will also significantly enhance his placement prospects. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ramalingam

Ramalingam Kalirajan  |9453 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Money
I am currently 27 years old. I have a home+ education loan of 55L, current income 30L/ year and i am Investing in MFs 30k/month. What should be the correct strategy to allocate money - repay loan or increase investing amount.
Ans: At 27 years, your financial discipline is worth appreciating. Having a strong income of Rs.30 lakhs annually, while managing a Rs.55 lakh loan and still investing Rs.30,000 monthly in mutual funds shows good intent and effort. Now your main question is—should you increase investments or repay the loan faster?

Let us look at your profile from a 360-degree view to find the right path forward.

Understanding Your Financial Snapshot

Age: 27 years

Income: Rs.30 lakhs per year (approx Rs.2.5 lakhs per month)

Loans: Rs.55 lakh (home + education)

Current SIP: Rs.30,000 per month

Goal: Decide between increasing investments or repaying loan early

You are in early career stage with a good salary.
Your financial mindset is mature. This is rare at your age.
But now comes the big question—what gives better long-term value?

Understanding the Nature of Your Loans

You mentioned a mix of home and education loan.
Both loans have different tax treatments.

Home loan: Offers principal and interest tax benefits.

Education loan: Offers deduction only on interest paid.

You need to assess interest rates too.

Is your loan above 9%? Then early repayment gives better returns.

Is it below 8%? Then investing longer term may offer better growth.

The answer depends not only on numbers. It depends on your emotional comfort too.

Build Emergency Fund First

Before increasing SIP or repaying more loan:

Keep at least 6 months of expenses in liquid mutual funds.

Include EMI amounts also in this.

This keeps you stress-free in job loss or health crisis.

Without emergency fund, even small issues can derail plans.

Don’t Increase SIP Now Without This Check

You already invest Rs.30,000 monthly.
That is 12% of your monthly income.
It’s a good start. But do you have clarity on your goals?

What are your major life goals in next 10-15 years?

Do you want to buy another house?

Will marriage expenses come up soon?

Any business plan in the future?

Unless you fix goal amounts, don’t blindly increase SIP.
Goal-based investing is always better.

Also, remember this—more investment only helps if you can continue long.
Else you will redeem midway, which harms compounding.

Why Early Loan Repayment Can Be a Strong Strategy

Let’s evaluate why repaying your loan early may help.

Reduces total interest outgo over time

Improves your monthly cash flow in future

Increases credit score quickly

Gives emotional freedom and peace

Allows you to take higher risks in future investments

At your age, being debt-free by 35 gives a huge head start.

Also, most education loans have floating rates.
If RBI increases rates, your EMI also increases.
Reducing principal quickly can protect you.

But Don’t Stop Mutual Fund SIPs Completely

Even if you prioritise loan repayment now:

Do not stop your current Rs.30,000 SIPs

It builds investment discipline and long-term wealth

Keeps you in the market to benefit from long-term compounding

This balance of repayment + investment gives a steady growth path.

How to Strike the Right Balance Now

Here is a smart and practical approach:

Keep Rs.30,000 SIP running every month

Review your EMI schedule—try to pay at least one extra EMI yearly

Any yearly bonus or incentive—use 50% to prepay loan

Rest 50% of bonus can be added to investment corpus

Every 12 months, re-evaluate income and loan balance

This way, you reduce loan burden over time while your investments keep growing.

Review Tax Impact Also While Choosing

Home loan principal under Rs.1.5 lakh is deductible under 80C

Interest up to Rs.2 lakh deductible under 24(b)

Education loan interest fully deductible under 80E

But tax benefit should not be the only reason to keep a loan.
If interest is higher than mutual fund returns, then prepaying is better.
Talk to a Certified Financial Planner to run the numbers yearly.

Avoid Index Funds—They Are Not For You

Some people suggest index funds blindly.
But they are not the best tool for wealth creation.

Here’s why:

Index funds only follow the market. No active thinking.

They never beat inflation consistently.

They fall with the market but don’t recover faster.

No fund manager to manage risk actively.

At your age, you need strong and flexible growth.
Only actively managed funds do that.
They have experts making timely decisions, which matters more during corrections.

Actively managed funds give more balanced returns.
Especially when markets are flat or volatile.

Avoid Direct Plans in Mutual Funds

Direct plans may look cheaper.
But they lack guidance and support.

At your age, mistakes cost more over time.
Wrong fund choice or bad asset mix can harm returns.

Regular plans through MFD with CFP help you:

Choose the right mix of funds for your goals

Track performance and rebalance regularly

Handle emotional mistakes in market crashes

Get expert help during any personal financial decision

The small difference in expense ratio is worth the guidance.

Focus On Financial Goals, Not Just Repayment

You are just 27. In the next 10 years, many financial needs will come.

Marriage

Home upgrade

Car

Travel

Retirement planning

Parents’ medical support

If you only focus on loan, you may miss out on these needs.
So create a life goal roadmap with help of Certified Financial Planner.
Then decide what amount to invest for each goal.

This gives clarity, confidence and control.

Plan Bonus, Incentives and Windfall Properly

Each time you receive a bonus:

Use 50% for prepaying loan

Use 25% for increasing goal-based investments

Use 25% for lifestyle or travel or hobby

This method balances progress and happiness.

Blindly prepaying everything is not wise.
Life must be lived too.

Key Points to Remember for Next 5 Years

Maintain current SIP at Rs.30,000 minimum.

Don’t take new loans unless emergency.

Increase loan repayment whenever you get extra money.

Avoid index funds. Choose active mutual funds with MFD support.

Don’t invest in direct plans. Regular funds with CFP help are better.

Keep financial goals clear and written down.

Review your plan every year with a Certified Financial Planner.

If You Have LIC or ULIP, Rethink Them Now

If you are holding LIC endowment or ULIP policy, check their returns.
If they give less than 6%, consider surrendering.
Reinvest that amount in mutual funds based on goals.
Keep insurance and investment separate.

Buy pure term cover for protection.
Use mutual funds for building wealth.

Finally

At 27, you are already doing many right things.
You are investing monthly. You are earning well. You care about your future.

Now the goal is to balance your priorities:

Reduce your loan over time

Keep long-term investments going

Plan goals early to avoid surprises

Avoid index and direct funds

Review with a Certified Financial Planner every year

This combined approach brings you peace of mind and wealth.

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

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x