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Should I pursue a post graduation diploma in clinical research?

Dr Nagarajan J S K

Dr Nagarajan J S K   |116 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Jul 19, 2024

Dr Nagarajan JSK is an associate professor and former head of medical research at the JSS College of Pharmacy, Ooty.
He has over 30 years of experience in counselling students towards making the right career choices, particularly in the field of pharmacy.
As the JSS College placement officer, he has helped aspiring professionals prepare for and crack job interviews.
Dr Nagarajan holds a PhD in pharmaceutical sciences from the JSS Academy of Higher Education And Research, Mysore, and is currently guiding five PhD scholars.... more
Pankaja Question by Pankaja on Jul 17, 2024Hindi
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Career

I am recently completed b pharmacy So can you tell me why I should not do this post graduation diploma in clinical research course after that

Ans: Hi Pankaja,
As per Schedule Y, physicians are considered the clinical/principal investigators. The role of pharmacists in the clinical research area will be very minimal. So, since you are a candidate from the health sector, specifically from the pharmacy fraternity, the major role of the pharmacist is to handle the medicines according to the law and, in addition, manage the site and documentation. It would be better if you appear for the NIPER or GPAT exam and try to get admission with a stipend.
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Dear ashwini mam, I am little bit confused with my carrer..i have pursing clinical research course of 6 months and have completed 3 months already...i have completed my b pharmacy and wanted to crack gpat and niper exam for m pharmacy so i have taken gap of 1 year and in that i have taken that course . But i also wanted to go for mpharm in abraod . What will be best for me ? What should i do? Is it good to go with masters in abroad?
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To begin with, thank you for contacting us. I am happy to hear that you have completed your Bachelor’s of Pharmacy and now wish to pursue Master’s of Pharmacy(M.Pharm). I would like to let you know that we only deal with overseas education. To answer your question, I would like to tell you that deciding to pursue M.Pharmacy can be a wise choice. You would be glad to know that you can be exposed to different viewpoints, worldwide networks, as well as various specializations or research possibilities through pursuing a Master’s degree overseas. Opting to study abroad is consistently a wise decision. Nevertheless, I would recommend that you take into account variables viz., the standing of the preferred university, the calibre of education, the compatibility of the offered program with your professional objectives, monetary constraints, your future career aspirations, post-graduation employment opportunities as well as your own choices. In order to make an educated choice that best resonates with your situation and future goals, it would be logical to compare as well as balance these aspects with one another. Prior to making a decision, I would also recommend that you get in touch with and obtain advice from career advisors, experts, or mentors to learn more.

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Asked by Anonymous - Sep 15, 2024Hindi
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I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

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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.

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