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Will My Daughter (90.5 NTA Score, SC Category) Get CSE in NIT, IIT, or IIIT?

Rajesh Kumar

Rajesh Kumar Singh  | Answer  |Ask -

IIT-JEE, GATE Expert - Answered on Mar 15, 2025

Rajesh Kumar Singh is a mining engineer with 28 years of work experience.
During his career, he has served as the head of the mining department and as vice president of Balasore Alloys. He is currently a visiting professor at Mewar University where he teaches BTech students.
Rajesh Kumar topped his batch in BTech mining from BIT, Sindri.
A gold medallist, he has cracked the GATE (Graduate Aptitude Test in Engineering) twice -- in 1993 and 1994 -- with an All India Rank of 14 in 1994.
He has also cleared the Indian Institute of Corporate Affairs (IICA) Independent Director Test.... more
Bharbhur Question by Bharbhur on Mar 15, 2025Hindi
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My daughter 90.5 nta score jee main sc category. can she get cse nit,iit ,iiit

Ans: Good chance
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Nayagam P

Nayagam P P  |10943 Answers  |Ask -

Career Counsellor - Answered on Mar 20, 2025

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My daughter get jee main nta score 90.5 sc category.Can she get any nit,iit,iiits cse course
Ans: Here is, How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Daughter's Admission Chances Using JoSAA Data
Step 1: Collect her Key Details
Before starting, note down the following details:

Her JEE Main percentile (Convert her percentile into All India Rank with the help of a formula available in Google).
Her category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if she is open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If she is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select her Preferred Academic Program (Branch)
Enter the branches she is interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Hope this guide helps! All the best for your daughter's admissions!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11062 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2026

Money
I am 61, minimalist with no bad habits in the life style of NO PILL; NO ILL. Now, the market is down and NAV falls down. my investments are comfortably positive even in the negative market. becuase the investment started very early and unis purchased at very low price. Now, the question is should I withdraw the funds; a portion of profit and invest in the downward trend so that I will get more units and i will not loose the capital because I am planning to withdraw only the portion of the profits. Please guide me should I need to reshuffle by withdrawing and re investing ..!!
Ans: Your disciplined lifestyle and long investing journey are truly inspiring. Starting early and holding investments patiently has created a comfortable cushion for you. Even when the market is falling, your portfolio remains positive. That itself shows the power of long-term investing.

Now your question is about withdrawing profit and reinvesting during the market fall. Let us examine this carefully.

» Understanding What You Are Trying To Do

Your idea is:

– Withdraw only the profit portion
– Reinvest when NAV is lower
– Get more units
– Protect original capital

This approach looks logical on the surface. But in practice it becomes very difficult to execute consistently.

» The Challenge of Timing the Market

To succeed in this strategy two things must happen correctly.

– You must sell at the right time
– You must reinvest at the correct lower level

Predicting market movement precisely is extremely difficult. Even experienced investors struggle with this.

If markets suddenly recover after you redeem, you may lose the opportunity of further growth.

» Impact of Taxes on Withdrawal

Whenever you redeem equity mutual funds:

– Long term capital gains above Rs 1.25 lakh are taxed at 12.5%
– Short term capital gains are taxed at 20%

So withdrawing profit may trigger tax liability. This reduces the benefit of trying to buy more units.

Frequent reshuffling can quietly reduce long-term wealth.

» Your Age and Investment Objective

At 61, your goal should shift slightly.

Earlier the focus was:

– Maximum growth

Now the focus should be:

– Capital protection
– Controlled growth
– Income stability

So instead of frequent buying and selling, gradual portfolio balance is more suitable.

» A Better Approach for Your Situation

Rather than timing the market, consider this approach:

– Keep the core long-term equity investments untouched
– If equity allocation has grown very large, slowly shift small portion into safer assets
– Continue enjoying compounding from existing units purchased at low prices

This maintains growth while protecting accumulated wealth.

» Systematic Withdrawal Planning

If you need regular income later:

– You can withdraw small amounts periodically
– This reduces market timing risk
– Portfolio continues to grow while providing income

This is usually more comfortable for retired investors.

» Emotional Discipline

Your biggest strength so far has been patience.

The temptation to reshuffle during market movements often disturbs long-term success.

Many investors lose wealth not because of bad investments but because of unnecessary switching.

» Finally

Since your investments were made early and units were bought at very low prices, the best strategy is usually to stay invested and allow compounding to continue.

Avoid frequent profit booking and reinvestment based on market movements.

Instead:

– Maintain a balanced asset allocation
– Protect capital gradually
– Allow long-term equity investments to keep growing

Your disciplined journey has already created strong financial security. Preserving that strength is now more important than trying to capture short-term opportunities.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |11062 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2026

Money
I am a retired doctor with 1lac pension kindly suggest to invest 30000per month
Ans: Your disciplined habit of investing even after retirement is very encouraging. With a pension of Rs 1 lakh per month, planning to invest Rs 30,000 shows that you are thinking about preserving and growing your wealth in a structured manner.

At this stage of life, the focus should be balanced between safety, regular growth, and liquidity.

» Understanding Your Financial Stage

You are a retired professional receiving steady pension income.

This means:

– Your regular expenses are already supported
– Investment goal is wealth preservation and moderate growth
– Liquidity for health and family needs is important

So the investment approach should be balanced and not aggressive.

» Emergency and Medical Reserve

Before starting monthly investment, ensure:

– At least 12 months of expenses kept in safe liquid instruments
– Adequate health insurance coverage

Medical expenses increase with age. Having a dedicated medical reserve prevents disturbance to investments.

» Balanced Investment Approach

For a retired person, full equity exposure is not suitable. But avoiding equity completely also reduces growth.

A balanced structure is ideal.

For the Rs 30,000 monthly investment:

– Around Rs 15,000 in actively managed diversified equity mutual funds
– Around Rs 10,000 in short duration or conservative debt mutual funds
– Around Rs 5,000 in gold allocation for diversification

This structure provides growth with stability.

» Importance of Actively Managed Funds

Actively managed mutual funds are suitable because:

– Fund managers actively select strong companies
– They adjust portfolio when market conditions change
– Aim to generate better returns than the market

This professional management helps investors who prefer not to monitor markets regularly.

» Investment Horizon and Liquidity

Even after retirement, investments can continue for 10 to 15 years.

So:

– Continue SIP regularly
– Review portfolio once every year
– Keep sufficient liquidity for emergencies

Avoid locking large amounts into instruments with long lock-in periods.

» Tax Awareness

If you redeem equity mutual funds:

– Long term capital gains above Rs 1.25 lakh taxed at 12.5%
– Short term gains taxed at 20%

Debt mutual fund gains are taxed as per your income tax slab.

Planning withdrawals carefully can reduce tax impact.

» Finally

Your plan to invest Rs 30,000 monthly is a strong step toward maintaining financial independence.

A balanced portfolio with equity, debt, and gold can help:

– Preserve your wealth
– Provide moderate growth
– Maintain liquidity for future needs

Regular review with a Certified Financial Planner can ensure that your investments remain aligned with your lifestyle and health needs during retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...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.

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