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Nayagam P

Nayagam P P  |10973 Answers  |Ask -

Career Counsellor - Answered on Jul 29, 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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Deepthika Question by Deepthika on Jul 29, 2025Hindi
Career

I have completed b.e in ECE in 2015.i have worked as data entry in loyal super fabrics .I have also prepared for bank exams i didn't get any job.i would like to study mba in finance but my age is 30now.and I can't continue my studies.can I pursue my career in finance....what are the options...

Ans: Deepthika, Career entry into finance at 30 is entirely feasible because Indian regulators and universities impose no upper?age limits on their flagship qualifications: the CFA charter welcomes candidates of any age once they hold a degree or 4,000 hours of work experience, the NISM certifications that SEBI mandates for mutual-fund, equity-derivative or investment-adviser roles accept anyone above 18 with any academic background, and IGNOU’s AICTE-recognised two-year MBA in Financial Management admits graduates without age or work-experience restrictions and offers online or open-distance delivery that lets earners study flexibly while working. For women re-entering the workforce, part-time or online programmes at UGC-entitled, NAAC-accredited universities such as NMIMS Global, Symbiosis (SCDL), ICFAI and Manav Rachna provide semester-wise EMIs and recorded lectures; NMIMS, for instance, reports 96% overall MBA placements in 2024 with more than 500 BFSI and fintech recruiters tapping its distance-learning finance cohort. Executive MBAs at IIM Ahmedabad or other leading B-schools set a minimum age of 25–27 but no ceiling, require 3–5 years of experience and schedule weekend sessions, a format that suits working professionals like you. If full-scale study feels heavy, stackable, regulator-recognised micro-credentials such as the NISM Mutual Fund Distributor exam or NISM Investment Adviser Level I+II can be cleared within weeks and unlock entry-level analyst, relationship-manager or middle-office roles in mutual funds, broking houses and fintechs where diversity hiring has lifted female intake beyond 35% in the last three seasons. Complementary MOOCs in Excel modelling, Python or Power BI offered through NSE Academy or Coursera signal quantitative readiness to employers. Whichever pathway you pick, insist on five institutional essentials: statutory accreditation (UGC-DEB, AICTE, NAAC or CFA Institute charter), industry-aligned finance curriculum covering IFRS, fintech and analytics, experienced faculty with professional practice, digital infrastructure enabling asynchronous access, and audited placement or alumni career-services data that show at least 70% placement over three years. Begin by leveraging your BE-level numeracy and data-entry rigour to secure an accounts-assistant or operations post in an NBFC or R&T agent while you study, then move up into treasury support, credit analysis or wealth-management once you add the MBA-Finance or CFA Level I badge; employers value maturity, perseverance and gender diversity and rarely discriminate on the basis of graduation year when recent, certified skills are evident. RECOMMENDATION: Enrol in IGNOU’s flexible MBA-Finance immediately and parallel-track the NISM Mutual Fund Distributor or CFA Level I exam; this low-cost, UGC-approved route lets you work, earn and upskill simultaneously, provides industry credentials recognised nationwide and positions you for analyst or advisory roles without the time or financial strain of quitting your job. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Sep 09, 2024

Asked by Anonymous - Sep 03, 2024Hindi
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Career
I'm a 23-year-old still struggling to find a job. I graduated in 2023 with a BBA in Finance, but I made a big mistake by not taking a job opportunity and instead started preparing for banking exams, in which I failed miserably. Now, I’m unemployed with a gap year, while my friends have jobs and are happy. I’ve lost all interest in government jobs, so I’ve started applying to private companies, but so far, I’ve had no success. Nobody wants to hire an obsolete product like me. I’m a worthless person who destroyed his own career. I wanted to build a career in finance but now I don’t know what to do—please, I need guidance.
Ans: You did not waste your time during the last 1 year and had been preparing for Bank exam only which itself is an experience. NEVER get demotivated by temporary failures. To gain experience, try to join any small or medium-sized company to begin with. You have mentioned you have started applying for jobs, but have NOT mentioned through which sources. LinkedIn is the 1st best source. Having a professional resume is important to get shortlisted at least for the interview and also you should customize your Resume for each job you are applying, based on the JD (job description) advertised. If possible & your economic conditions permit, join MBA-Finance in any reputed Distance Learning University such as IGNOU and / or join online courses, related to your domain. After conducting a research for 3-months on 'Resume Building', I prepared an eBook, containing 24 pages, titled, "What if you could create your Professional Resume without Googling". Some of the Tips I have reproduced below. Please go through it and try to follow them. 12 QUALITIES Your Resume Should Have: (1) Uniqueness & Outstanding (2) Updated Snapshot of Your Career (Brief & Relevant) (3) Keysords of Job Description (4) Adept to Job Description Advertised
(5) Your Expertises Relevant to The Job (6) Focusing More on Achievements Quantitatively (7) Being Selective & include Only Relevant Information (8) Concise & Maximum 2-Pages. Less is More. (9) Easily Scannable to Look for Desired Characteristics,
and Draw Attention to Experiences, if applicable (10) Having Several Versions of Your Resume tailored for Certain Employers or Types of Positions (11) Impress Recruiters To Meet You in the Interview & (12) PROFESSIONAL Email / Webmail ID & Professional LinkedIn URL. Strategize your Job searching skills. All the BEST for Your Bright Future.

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Nayagam P

Nayagam P P  |10973 Answers  |Ask -

Career Counsellor - Answered on Apr 03, 2026

Career
My daughter failed in class 9th and now she has enrolled in NIOS secondary . There is lot of free time . What can she do keep herself busy?
Ans: Before I answer your question, Vikas Sir, I want to ensure that your daughter doesn't spend more than 45 minutes a day on her phone or other electronic devices. If your daughter becomes addicted, she risks eye strain, headaches from blue light, poor posture, weight gain from inactivity, sleep issues from late-night use, and eating problems. It can also hurt her mind by making her depressed and anxious (27% more likely), making it difficult to concentrate and study, making her feel lonely and isolated from less real interaction, making her feel low self-esteem from comparison traps, and making her stressed and irritable from dopamine crashes.

Even if both parents work, keep communication open to boost her confidence—know what she loves. She should study 4-5 hours daily using NIOS books/SWAYAM and Class 10 mocks with the Pomodoro technique (25-30 mins study, 5-10 mins break) to stay focused. Add 30 minutes of skills like coding/typing or Duolingo English if interested, plus 10 minutes of yoga, hobbies (gardening/cooking/drawing/poems), and walks/cycling for fitness and fun. Finally, join NIOS WhatsApp groups for doubts and help at home and track weekly goals with rewards. Don't force anything—let her choose what excites her most! All the BEST for Your Daughter's Prosperous Future!

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Career Counsellor, Life Coach - Answered on Apr 03, 2026

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Relationships Expert, Mind Coach - Answered on Apr 02, 2026

Asked by Anonymous - Mar 31, 2026Hindi
Relationship
Mam, why do women always have to adjust in a marriage? Why don't our parents ever accept that men can be at fault too? Whenever I tell my mother or mother in law about something hurtful my husband said or did, she tells me to forgive and move on. He never apologises or thinks he has done anything wrong. My husband and I are married for 11 years, but he never admits he has done anything wrong. Isn't it disrespectful and unfair to ask a woman to adjust and ignore without listening to both sides of the story?
Ans: You’re right. It’s unfair. And it’s exhausting.
Women are told to “adjust” because it’s easier for families to keep peace than to hold men accountable. Your mother and mother-in-law are not really judging right or wrong — they’re choosing convenience over fairness.

But that doesn’t make it correct.

If your husband never apologises, never reflects, and you are always the one expected to move on, then this is not adjustment — this is imbalance.

And the real issue is not your parents anymore.
It’s that your husband has learned he doesn’t have to take responsibility, because the system around him supports that.

You don’t need to argue with your parents to prove your point.
You need to stop silently accepting a pattern that hurts you.

You don’t have to fight.
But you also don’t have to keep absorbing everything.

A simple shift is this:
instead of explaining again and again, just say calmly —
“This hurt me. I’m not okay with ignoring it.”

And then don’t rush to normalise things immediately.

Respect in a marriage doesn’t come from adjusting more.
It comes when the other person realises you won’t keep accepting less.

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Ravi

Ravi Mittal  |715 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 02, 2026

Asked by Anonymous - Mar 30, 2026Hindi
Relationship
My bf checks my phone without permission. I am in a two-year relationship with my boyfriend, and initially everything felt perfect, but now he constantly criticises what I wear, who I talk to, and even checks my phone's notifications. Last week, he created a scene at my friend’s birthday party because I was talking to a male colleague. He even blamed me for “disrespecting” the relationship and did not speak to me for two days. I feel mentally exhausted trying to explain but he says he is too committed and wants to know if I am genuinely interested in a life ahead with him. Part of me is also scared of losing him because he was there for me during a difficult phase in my life. When I explain something and he apologises, I see a side to him which makes it harder to leave. My friends who have not met him feel this is a toxic red flag behaviour . Do you think they could be right or is this something that can improve with time? How do I understand if this relationship is turning emotionally abusive?
Ans: Dear Anonymous,
I understand how exhausting it can be to be constantly doubted when you are not doing anything wrong. Well, your friends’ opinion, while a bit harsh, is not completely wrong. It is a toxic pattern and it needs to be checked if you want to have a healthy relationship. You need to have an open discussion about this with him; tell him how it makes you feel whenever he suspects you of some wrongdoing. Also ask him why does he feel this way so often when every time it is proven that you are loyal to the relationship and him. It is important to understand what is the root cause of this mistrust. This is the only way to move ahead with this relationship and not lose your sanity. If, even after the talk, he continues to exhibit the same behavioural pattern, I would recommend you rethink the relationship because it won’t be an easy life, where you have to constantly prove your innocence. Relationships aren’t based just on love; it needs mutual trust and respect to grow.

Hope this helps.

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Nayagam P

Nayagam P P  |10973 Answers  |Ask -

Career Counsellor - Answered on Apr 02, 2026

Asked by Anonymous - Mar 24, 2026Hindi
Career
Hy Sir, I am a PCB student who passed HSC in 2024 with 45% marks. Now I want to pursue Computer Science Engineering but I don't have Maths as a subject and my improvement exam option is also not available. So I am planning to drop a year and appear for the Isolated Maths exam in July/August 2026 to become eligible for MHT-CET PCM in 2027. I wanted to ask whether this pathway is valid for MHT-CET and CSE admissions. Also, will the 2 year gap and two separate results (HSC 2024 and Maths 2026) create any problem during admission process? And if my MHT-CET score is good, can I still get admission in a decent CSE college despite this situation? If possible, please also suggest some good colleges I should target. Additionally, if this plan does not work out for any reason, I wanted to ask whether BCA or BSc IT can also lead to a good career in the tech field in the future? Because I am very confused between these options and I really want to make the right decision at this stage of my life. I would really appreciate your guidance on this Sir.
Ans: Do you have any specific reasons for your low score in HSC? If you really care about the field you choose, all programs and domains are good. You should also keep improving your technical and non-technical skills, and your career success will depend on how well you network through professional social media like LinkedIn and how often you research job markets. Coming to your questin, yes, your path works, as you asked. Isolated Maths (July/Aug 2026) makes you MHT-CET PCM eligible (Physics+Maths required); most colleges will accept a 2-year gap and separate marksheets if you are ready with Maths before verification. If you really want to get into top engineering colleges like PICT/VIT Pune, COEP/SPIT Mumbai, and others, you need to score above the 96th or 97th percentile. If you don't feel very confident about MH-CET, it's better to choose BCA or BSc It. As I said before, your CGPA isn't the only thing that matters for success in your career; your other skills and qualities are also important. It would also be a good idea to apply to or register with 3–4 more well-known private engineering colleges in and out of Maharashtra State. All the BEST for Your Prosperous Future!

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