Confused 12th Grader with PCM Seeks Alternate Career Options After NDA

Ans: Dear Naveen,
Although your question is not detailed, could you please specify the amount of loan you are looking for and your profession? Here is a generic answer for you
To get a personal loan at the lowest interest rate, maintain a credit score above 750 and apply with banks where you hold a salary account. Top banks offering competitive rates include SBI (11.15–13.45%), HDFC Bank (10.5–14.5%), ICICI Bank (10.5–15.75%), and Axis Bank (10.75–21%). Government banks like Bank of Baroda (10.5–15.6%) also offer good options for salaried individuals. Private lenders provide quick disbursals but at slightly higher rates. Compare offers on platforms and check for pre-approved offers to save on interest and processing time.
My recommendation is to create your own MF portfolio, especially to use money required in need, there are Loans available on the MF which can be between 9.5 to 10.5% that too without any processing charges and also will help you use only for the no of days you want to use, this is not case for personal Loans.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Hello dear.
Chances are slim with CSE or ECE in top Bengaluru colleges, but you can expect engineering branches like Information Science or Mechanical at mid-tier institutes such as BMSIT, Presidency, or Gopalan College.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello dear.
You're right to question the common perception, and your insights about VIT Vellore’s CS program are grounded in reality. The Computer Science department at VIT Vellore is among the strongest in private engineering colleges, with advanced lab facilities. Many top JEE Main percentilers (even above 98) choose VIT. Several VITians have gone on to have excellent careers, sometimes even outperforming their IIT/NIT counterparts largely because of their individual initiative, internships, and skill-building. IT, especially if they narrowly miss out on NITs or prefer the modern infrastructure and course flexibility that VIT offers.
Despite these strengths, private colleges in India often face bias. This stems from the legacy and prestige of government institutions like IITs/NITs, which admit students through highly competitive exams and are seen as more merit-driven. In contrast, private colleges are sometimes viewed as less rigorous or overly reliant on high fees and donations, leading to skepticism about their quality.
However, this perception is slowly changing, especially in CS and tech fields where practical skills matter more than college branding. For motivated students, VIT CS offers a strong foundation and the opportunity to build a successful career. Ultimately, outcomes depend more on individual effort than the institution’s name.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello dear.
Chances are very slim. Explore other options.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello Sanchita
You have a strong chance of getting CS/IT either in COEP or VJTI.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello Harish
Chances are slim. Explore other options.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello Ritik
H K E Society’s SLN College of Engineering (Raichur), Acharya Institute of Technology (Bengaluru), AMC Engineering College, Ballari Institute of Technology & Management. Preferably choose SLNCE–Raichur if you get it.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello Jayshree.
Prefer CS @ NIT Nagpur if possible. The final decision will be yours.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Hello Amit
Pick ECE @ IIIT Delhi far better choice in terms of academics, reputation, and future opportunities.

Good luck.
Follow me if you receive this reply.
Radheshyam