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Should I pursue a PhD or Master's after MCA? (No research experience)

Patrick Dsouza |789 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Aug 27, 2024

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Asked by Anonymous - Aug 27, 2024Hindi

Career

I have completed my MCA degree from a central university in India. I want to study further should I go for PhD or Master's degree as I have not done any research work.which university will be good

Ans: PhD would be a better option as you already have a Masters degree unless you get Masters from a good college. The only problem with PhD is that the job options could be restricted. Look at what role you would want to play in the industry and can accordingly decide on the options.

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Sushil Sukhwani |549 Answers |Ask -Follow

Study Abroad Expert - Answered on Mar 01, 2024

Asked by Anonymous - Mar 01, 2024Hindi

Career

Finish my graduation on Bsc CS what to nxt study here masters or go abroad for further studies

Ans: Hello. First of all, thank you for contacting us. Deciding to pursue a master's is definitely a good option. If you are planning to pursue your master’s degree already, here are some considerations you need to keep in mind:

Career goals: When you are deciding on the degree program, make sure that the host country offers better work opportunities than the local degree.

Quality of education: Research about the program at both the national and international levels. Consider benefits, reputation, facilities, curriculum, and its relevance to your aspirations and future goals.

Cost of education: Find out the overall cost of studying your desired program, including the living expenses for both local and foreign universities.

Future goals: Research the program to see if it aligns with your future goals or not.
Personal preferences: Look upon personal preferences regarding living abroad, climate suitability, adapting to a new environment, etc.

Work opportunities: If you are planning to study abroad, it is necessary for you to consider the immigration policies and post-study work opportunities of the host country.

For further assistance you can get in touch with us.

Patrick Dsouza |789 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 24, 2024

Question by ANIRBAN - Jun 23, 2024Hindi

Career

Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

Patrick Dsouza |789 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 24, 2024

Question by ANIRBAN - Jun 23, 2024Hindi

Career

Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

Latest Questions

Milind Vadjikar |125 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 13, 2024

Asked by Anonymous - Sep 04, 2024Hindi

Money

I have purchased a residential studio unit with home loan for 23 lacks in March 2022, I have got possession in May 2024 and in Aug2024 I have sold this unit to 31 lacks, What will be capital gain tax implications? Can I have claim Renovation, Maintenance, NOC charges (while selling) to be included while considering capital gain, can we reduce capital gain using those?, Where should i invest to save capital gain?

Ans: Date of possession will be considered as date of acquisition (May 24) so this will be short term capital gain as per your slab rate.

Improvement and transfer expenses may be deducted from your short term capital gain (8L) but do consult a CA to ascertain as to what is allowed as deductible as per IT laws

Milind Vadjikar |125 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 13, 2024

Question by Chandra - Sep 07, 2024Hindi

Money

**Subject:** Request for Investment Review and Future Corpus Estimation Dear Mr.Sunil, I hope this message finds you well. I wanted to review my current investment portfolio and seek your expert advice regarding the future growth potential, as I aim to build a corpus of at least INR 3 - 5 crores by the time my daughters turn 18 years old. Is this figure realizable? Here’s a breakdown of my current investments: 1. **Mirae Asset Large & Midcap Fund (Direct Growth)** – INR 5,000 monthly - Current value: INR 135,281 2. **Canara Robeco Small Cap Fund (Direct Growth)** – INR 10,000 monthly - Current value: INR 210,164 3. **Quant Small Cap Fund (Direct Plan Growth)** – INR 5,000 monthly - Just started; current value: INR 5,190 4. **ICICI Prudential Balanced Advantage Fund (Growth)** – INR 20,000 monthly - Current value: INR 583,113 5. **HDFC Balanced Advantage Fund (Growth)** – INR 15,000 monthly - Current value: INR 503,604 6. **SBI Balanced Advantage Fund (Regular Growth)** – INR 15,000 monthly - Current value: INR 321,491 7. **Sukanya Samriddhi Yojana (SSY)** – INR 50,000 annually for my 9-year-old daughter - Current value: INR 565,805 (since 2016) 8. **Provident Fund (PF)** – Current balance: INR 10 lakh 9. **Tata AIA Life Insurance Fortune Pro ** – Started last year INR 150,000 to be paid for 5 years till 2027 10. SBI Child Plan Smart Scholar - Completed INR 500,000 Total Investment for 5 Years in 2024. From this year every financial year I plan to invest my working bonus of INR 3 Lacs to INR 5 Lacs every year as a bulk investment and diversify in different funds. I am 46 years old and plan to continue working and investing for another 5 to 6 years due to health reasons. My spouse is 37, and we have two daughters aged 9 and 5. My goal is to accumulate a corpus of at least INR 3 to 5 crores by the time my daughters reach 18 years of age. Based on my current investments, do you think this target is achievable within the given timeframe? I would greatly appreciate any suggestions or adjustments you might recommend to help reach this goal. Thank you for your guidance.

Ans: Yes your target is achievable in the given time frame.(13% conservative return assumed). I am sure you have planned for some regular income after you stop working(~6 years from now) to meet the regular expenses. Please make sure you have good family floater health insurance apart from employer's group health policy if any. Insurers typically insist 3-4 years of continuous coverage after which pre existing illnesses are covered. Consider investing in SSY in the name of second daughter if possible. As you approach your target move corpus away from equity MFs into liquid or ultra short duration debt funds.

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

You may follow us on X at @mars_invest for updates.

Happy Investing

Milind Vadjikar |125 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 13, 2024

Question by Anand - Sep 09, 2024Hindi

Money

I am 70 yrs. Received Rs3cr as inheritance. I have my own house and enough rental income for monthly expenses. No liabilities. How and where to invest for next 3-5 year peroid. Already invested in SCSS, PMVVY, POMIS etc.

Ans: You may invest this corpus(3 Cr) in SBI magnum gilt fund. The 5 yr returns are best in the category.

The best part is since these mutual funds invest only in Government bonds so credit risk is nil but interest rate risk is there.

For a horizon of 3 to 5 years this is a good risk free investment option.

There is no lock-in. Also no exit load if the investment is redeemed after 15 days.

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

Milind Vadjikar |125 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 13, 2024

Question by Bhavna - Sep 13, 2024Hindi

Money

I have 4 lakhs where to invest? I also invest in Mutual and stock market. please advise..

Ans: You can do lumpsum investment for 4 Lacs in the mutual fund schemes where you are already invested.

You can do a FD with a reputed bank/NBFC for the tenure and interest payment option as desired by you.

You can buy RBI floating rate saving bonds.

Dr Dipankar Dutta |588 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 13, 2024

Asked by Anonymous - Sep 13, 2024Hindi

Career

Which would be better BTech CSE at Sharda University Noida versus BTech CSE at GL Bajaj Noida.

Ans: Go for GL Bajaj Institute of Technology and Management, Noida - B.Tech CSE

Dr Dipankar Dutta |588 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 13, 2024

Question by Disha - Sep 12, 2024Hindi

Career

niet noida btech in mathematics and computing vs vit bhopal (cat 1) btech in cse(cyber security)

Ans: Go for VIT Bhopal (Category 1) - B.Tech in CSE (Cyber Security)

Dr Dipankar Dutta |588 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 13, 2024

Question by Kannav - Sep 12, 2024Hindi

Career

My son is getting seat in galgotias university in Btech cse specialisations in artificial intelligence and machine learning and also seat bs program in applied ai and data science in iit jodhpur and its an online program for 4 years duration please suggest me which is better or my son do both course at the same time my son is saying he wants to pursue both programs at the same time

Ans: Doing these simultaneously is challenging but if your son wants to do that then I will recommend for the same. He has to work hard.

Dr Dipankar Dutta |588 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 13, 2024

Question by Suruchi - Sep 13, 2024Hindi

Career

What is better option Electrical at Walchand sangli or En Tc at PICT pune for my daughter

Ans: E&TC at PICT Pune

Dr Dipankar Dutta |588 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Sep 13, 2024

Question by Kamal - Sep 13, 2024Hindi

Career

My son is in 3rd year Diploma in computer engineering from Mumbai, kindly suggest for BE which college to prefer in Mumbai, Pune ,Chennai or Delhi. Or else from Lovely professional University

Ans: Here are some good options for pursuing BE in Computer Engineering in Mumbai, Pune, Chennai, and Delhi
Mumbai:
Veermata Jijabai Technological Institute (VJTI)
Sardar Patel Institute of Technology (SPIT)
Dwarkadas J. Sanghvi College of Engineering (DJSCE)
Thadomal Shahani Engineering College (TSEC)
Pune:
College of Engineering, Pune (COEP)
Vishwakarma Institute of Technology (VIT)
MIT World Peace University (MIT-WPU)
Bharati Vidyapeeth Deemed University College of Engineering
Chennai:
SSN College of Engineering
SRM Institute of Science and Technology
Sathyabama Institute of Science and Technology
Hindustan Institute of Technology and Science
Delhi:
Delhi Technological University (DTU)
Netaji Subhas University of Technology (NSUT)
Indraprastha Institute of Information Technology, Delhi (IIIT Delhi)
Maharaja Agrasen Institute of Technology (MAIT)

Milind Vadjikar |125 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 13, 2024

Question by ANIMESH - Sep 13, 2024Hindi

Money

In New Tax Scheme, How Can a Private Job Person Save Tax by Himself?

Ans: In new tax regime no deductions are applicable, except 25 K extra standard deduction as opposed to 50K allowed in the old regime.

In case you happen to be in the 30% bracket, thumb rule is if your deductions are more then 3.75 Lacs then Old Regime is suitable else new regime is more optimal.

See more questions »

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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