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

Sushil Sukhwani  | Answer  |Ask -

Study Abroad Expert - Answered on Jul 12, 2025

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Asked by Anonymous - Jul 11, 2025Hindi
Career

My son will be completing his B.Tech. in CSE next year (2026) from VIT Chennai. He has just started his final year. Amongst different options, he is considering post graduation and further higher studies in Europe. Which will be good universities in Europe to apply? What is the time and process of application? What is the cost of education and whether there are any financial support available?

Ans: Hello,

To begin with, thank you for contacting us. I am glad to know that your son is currently studying in the final year of B.Tech in Computer Science Engineering at VIT Chennai post which he is looking to pursue his higher education in Europe. You would be glad to know that a number of outstanding choices for postgraduate studies in Computer Science are offered across Europe, especially in nations such as Switzerland, Germany, the Netherlands, and France. There are a number of leading universities that are renowned for their robust research output, industry partnerships, and global student assistance. These include ETH Zurich (Switzerland), TU Munich and RWTH Aachen (Germany), University of Amsterdam and TU Delft (Netherlands). Given that your son is in his final year, I would suggest that he starts preparing right away- as the majority of application deadlines fall between November and January for programs commencing in the following September.

Coming to the application procedure, this generally entails submitting academic transcripts, scores of English language proficiency tests like the IELTS or TOEFL, a Statement of Purpose (SOP), recommendation letters, and a Curriculum Vitae (CV). Even though a number of programs are instructed in English, a fundamental understanding of the local language may also be required in certain countries like Germany. Next, I would like to let you know that costs differ to a great extent: minimal or tuition-free education is offered at public universities in Germany or certain Nordic nations, whereas Switzerland or the Netherlands may charge between €8,000–€20,000 annually. Scholarships such as Erasmus+, DAAD (Germany), and particular university-based grants offer monetary assistance, and thus, I would suggest that your son looks into and applies for the same as soon as possible.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint
Career

You may like to see similar questions and answers below

Sushil

Sushil Sukhwani  | Answer  |Ask -

Study Abroad Expert - Answered on Nov 09, 2023

Asked by Anonymous - Nov 09, 2023Hindi
Listen
Career
Sir i am a B com graduate from Kerala university, passed in the year 1997 with 58% marks. I am planning to study abroad in any European country. Please suggests me a country as my final goal is to get a PR . Preferred course is an MB Ain finance or PGD.
Ans: Hello,

To begin with, thank you for contacting us. I am glad to hear that you have completed your Bachelor’s of Commerce (B.Com) degree and now wish to pursue an MBA in Finance or Postgraduate Diploma. To answer your question first, I would like to tell you that selecting a European country to pursue your higher studies with the final goal of attaining a PR i.e. Permanent Residency, is rather a major choice. You would be glad to know that exceptional academic possibilities as well as routes to obtaining a PR are offered to international students by a number of European nations. Nevertheless, bear in mind that the particular prerequisites as well as the possibilities of attaining Permanent Residency for each country may be different. As previously mentioned, your ultimate goal is to obtain a PR and for that reason, I would recommend that you take into account countries where the immigration laws for overseas students are conducive viz., Germany, the Netherlands, Canada (although not located in Europe), as well as Sweden. Choosing these countries to pursue an MBA in Finance or a Postgraduate Diploma (PGD) can be a wise decision. Bear in mind that each country may have varying steps that lead to one attaining Permanent Residency (PR), viz., job offerings in sectors that are highly sought-after, professional experience, and language competency. I would suggest that in order to determine the best possibilities for attaining Permanent Residency (PR), you conduct a thorough study on the specified prerequisites for PR, as well as the the immigration laws and regulations for the country of your choosing. Not just that, prior to making an informed choice, ensure that you factor in the living expenses, the standard of education in your area of study, as well as the language prerequisites.

For more information, you can visit our website.

..Read more

Latest Questions
Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

Career
I have passed 12th in May 2024. I took a gap for preparation for NEET, but could not get good college. But in September 2025, I took admission in IIT Jodhpur's B.Sc./B.S. in Applied AI and Data Science (delivered in online mode, similar to IIT Madras's B.S. program), of which I'm currently a bona-fide student, and upon graduation in 2029, I will become an alumnus of IIT Jodhpur. Along with this, I will be joining an engineering college in 2026 to pursue dual degree (IITJ+ offline college). Do I have a gap of 1 year or 2 year in my education? What to write in my gap certificate ? It would have been very kind of you if you could help me regarding this matter.
Ans: Hi Sourindra,

Greetings from RediffGurus!

It's great to know that you're pursuing a dual degree, one from IIT and the other from another engineering institution. However, when selecting your engineering course, it's crucial to choose the right one. Even though you are pursuing a Bachelor of Science in Applied AI and Data Science online at IIT (J), it's important to have a traditional, on-campus degree as well because it will be beneficial when applying for jobs later.

You should be very careful to complete your courses on time. Otherwise, you may face challenges in finishing your degree within the prescribed duration. This is an essential aspect to consider when compared to obtaining a gap certificate.

Regarding the gap certificate, it's worth noting that most employers do not typically request it. However, when you submit your resume while applying for jobs, they may inquire about any gaps in your education. Given that you joined IIT (J) in 2025, the gap amounts to approximately 1.5 years. This will also be reflected in your resume.

There's no need to worry too much about the gap certificate. Just share this information in your resume proactively, before they ask. It's quite common nowadays, so you should be fine.

Best regards,

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

Career
Sir, I have passed 12th in May 2024. I took a gap for preparation for NEET, but could not get good college. But in September 2025, I took admission in IIT Jodhpur's B.Sc./B.S. in Applied AI and Data Science (delivered in online mode, similar to IIT Madras's B.S. program), and upon graduation in 2029, I will become an alumnus of IIT Jodhpur. Along with this, I will be joining an engineering college in 2026 to pursue dual degree (IITJ+ offline college). Sir, do I have a gap of 1 year or 2 year in my education? What to write in my gap certificate ? It would have been very kind of you if you could help me regarding this matter.
Ans: Hi Sourindra,

Greetings from RediffGurus!

It's great to know that you're pursuing a dual degree, one from IIT and the other from another engineering institution. However, when selecting your engineering course, it's crucial to choose the right one. Even though you are pursuing a Bachelor of Science in Applied AI and Data Science online at IIT (J), it's important to have a traditional, on-campus degree as well because it will be beneficial when applying for jobs later.

You should be very careful to complete your courses on time. Otherwise, you may face challenges in finishing your degree within the prescribed duration. This is an essential aspect to consider when compared to obtaining a gap certificate.

Regarding the gap certificate, it's worth noting that most employers do not typically request it. However, when you submit your resume while applying for jobs, they may inquire about any gaps in your education. Given that you joined IIT (J) in 2025, the gap amounts to approximately 1.5 years. This will also be reflected in your resume.

There's no need to worry too much about the gap certificate. Just share this information in your resume proactively, before they ask. It's quite common nowadays, so you should be fine.

Best regards,

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |2632 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 20, 2026

Career
Sir My Son has given class xth exams. He want to take PCB. Sir 1. what are the options other than MBBS, If neet is not cleared. because we can't afford private institutions. 2. What is the scope of Bioinformatics. is Math compulsory for bioinformatcs. Regards Gopal Krishan from Faridabad Haryana
Ans: HI GOPAL SIR,
GREETINGS FROM REDIFFGURUS.
If your ward is considering a career in medicine or engineering, opting for PCMB (Physics, Chemistry, Mathematics, and Biology) is a better choice than just PCB (Physics, Chemistry, and Biology) alone. This path will offer more opportunities and help avoid future challenges in pursuing engineering.

PCMB provides a wider range of options compared to PCB. If he chooses PCB, entering the engineering field may prove to be more difficult.

For PCB, there are primarily two pathways to consider:

**With NEET (National Eligibility cum Entrance Test):**
- MBBS (Bachelor of Medicine, Bachelor of Surgery)
- BDS (Bachelor of Dental Surgery)
- BVSC (Bachelor of Veterinary Science)
- AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy)
- Allied Health Sciences

**Without NEET:**
- Pharmacy
- Nursing
- B.Sc. in Medical Laboratory Technology (MLT)
- All basic science streams (Chemistry, Physics, Biology, Biotechnology, Food Science, etc.)

Regarding Bioinformatics, if he is interested in this field, he can pursue it part-time or through online courses as a supplementary option. However, it is essential to note that the scope for bioinformatics is limited compared to other courses.

There’s no need to worry; clearing NEET is achievable. The key is proper planning and support from you. If you need any further clarification, please feel free to reply to this message.

Best regards.

...Read more

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Asked by Anonymous - Feb 17, 2026Hindi
Money
HI i am a 42 years pvt sector employee. I am currently investing in MF SIP of 50/52k per month (avg age 5 years) and accumulated MF corpus till date including a few old ones stands at 33 lakhs. NPS of 6k per month, PPF 4k per month and 25k pm in EPFO including employers share. I have an o/s home loan of 1.25 crs @ 7.10% and plan to pay it off in next 10 years. Retirement age is 58 and desired corpus by retirement should be 7-8 crores. Please advice am i on right track and any changes to the investment strategy required? also i do plan to increase allocation to mf by min 15% annually till retirement age. My Term cover is 50 lakhs. Mediclaim of 20 + 20 lakhs top up and my wife has a 50 lakhs mediclaim. We dont plan any kids.
Ans: Hi,

You have done great by accumulating so much at your age. This is commendable.
you want to retire after 16 years at the age of 58. Let us go through your financials in detail:
- Monthly contributions in PPF, EPF and NPS - 35k - good, continue it. This entire amount is going into debt instruments and will be helpful to cover your expenses immediately after retirement.
- Current HL outstanding - 1.25 cr at 7.1% - this is quite cheap. Do not rush into prepaying the loan. Take 10 years time and pay it slowly. Rather focus on increasing contributions towards MF as that will build your long term wealth.
- 33 lakhs MF corpus with 52k SIP at 15% annual stepup. This will generate 9 crores corpus when you turn 58 (more than your target). Stay focussed and make sure that you have chosen right funds wrt your goals. Investing on random tips and only direct index funds is not sufficient.
- Term cover - 50 lakhs - can be increased to 1cr.
- Health - take a super top up of 50 lakhs considering high medical costs and your increasing age.

Overall things are going good. You just need to maintain the discipline. You can also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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