M Pharm graduate seeking PhD advice: Which subject offers better opportunities and salary?

Ans: Atharva, before answering your question, I want to emphasize that all branches are good. It’s important to choose based on your interest. However, also be adaptable, as your interests might change by the 2nd or 3rd year, and consider job market trends as well.

Regarding your rank of 91,850 (General category, Maharashtra HS quota), securing CSE or ECE in top central institutes like VNIT Nagpur is highly unlikely. Other NITs, IIITs, and GFTIs (such as NIT Jalandhar and IIIT Nagpur) also have closing ranks for CSE typically between 15,000 and 30,000, so admission there for CSE/ECE is not realistic.

State options like COEP Pune or VJTI Mumbai are even more competitive and likely out of reach with this rank. You can explore lower-tier GFTIs (e.g., those related to BIT Mesra) or Maharashtra state seats through MHT-CET for IT or ECE branches as alternative options. Try through CSAB rounds also. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: You should show Interest earned during F/Y 2025-26, while filing ITR for the same period. However, this interest earned is tax free. No other Tax implication is there & you may reinvest or use this amount withdrawn, in any way you like.
Most Welcome for further clarifications, if any. Thanks.

Ans: i think its better you connect with the RTA - Kfintech for the correct answer. They will help you to dmat the shares and get you the right quantity.

Ans: Dhruba, with your CRL of 73,000, SC rank 2,659, and West Bengal as your home state, your best NIT option is NIT Durgapur. Based on recent cutoff trends, you have a good chance for NIT Durgapur in branches like CSE (though not guaranteed), Mathematics & Computing, ECE, and Electrical, especially under the home-state quota. A recommended preference order is NIT Durgapur CSE → Mathematics & Computing → ECE → Electrical → Mechanical → Chemical/Metallurgy. Also consider filling choices for NIT Patna, Jamshedpur, Silchar, Agartala, Meghalaya, and Sikkim. As backups, include IIIT Kalyani, IIIT Bhagalpur, participate in state counselling, and register for the CSAB Special Round. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Jaspal Sir, I have already answered your question. Please check.

Ans: At 77 percentile, the expected CRL is likely above 3 lakh, making admission to NITs, IIITs, or GFTIs through JoSAA highly unlikely for a Delhi General category candidate. The best practical approach is to focus on Delhi-based Counselling: You can pply for JAC Delhi for DTU, NSUT, and IGDTUW, especially as a female Delhi candidate, but manage expectations toward spot rounds or lower branches. Also consider applying for IPU B.Tech Counselling for colleges like MAIT, MSIT, BVCOE, BPIT, and GTBIT. Additionally, keep 3-4 private engineering colleges in and around Delhi as backup options rather than relying solely on JoSAA, CSAB, or JAC Delhi. ALL the BEST for Your Daughter's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Based on your son's rank, securing a regular NIT seat is possible mainly in lower-demand branches and during later JoSAA or CSAB rounds, but admission to popular branches like CSE or ECE at top NITs is unlikely. Past NIT Mechanical cutoffs indicate that some lower-tier NITs admit candidates within the 8,000–18,000 SC rank range. It is important to fill all possible JoSAA and CSAB choices, keep options open for every branch, and prioritize lower-demand NITs and GFTIs. Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights to help your son confidently select and maximize his preferred choices. ALL the BEST for Your Son's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: You have not mentioned your son's home state or his category either. With 70 percentile and 78% board marks, your ward can realistically target lower-demand branches like Mechanical in some state government colleges and a few GFTIs. However, admission to Mechanical branches in NITs or IIITs is generally out of reach based on recent JoSAA trends. Suitable government options include SLIET Longowal, Assam University, Mizoram University, HNB Garhwal, Gurukula Kangri, JEC Jabalpur, IET Lucknow, and BIET Jhansi, depending on category, state quota, and counselling rounds. While some newer NITs may admit candidates with higher ranks for lower-demand branches, Mechanical usually requires a much better rank than what a 70 percentile typically corresponds to. It is better to have backup options of 3-4 Private Engineering Colleges in and around your State instead of relying only on JoSAA/CSAB. ALL the BEST for Your Ward's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: Abhinav, With a CRL of 2,35,615 in the General category from Maharashtra, regular JoSAA admission chances for Mechanical, Electronics, or CSE branches in GFTIs are very low. In 2025, closing ranks for accessible GFTI Mechanical branches like SGSITS Mechanical were around 47,041, and ECE branches mostly closed between 61,000 and 72,000, which are well below your rank. Nonetheless, you should register for JoSAA and the CSAB Special Round, as CSAB fills vacant seats after JoSAA. Backup options you must have include MHT-CET/CAP counselling for Maharashtra colleges and private engineering colleges in and around Maharashtra for CSE, ECE, Mechanical, and E&TC branches. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.