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Saurabh

Saurabh Saxena  |22 Answers  |Ask -

Tech Career Counselling Expert - Answered on Jun 08, 2023

Saurabh Saxena is the COO of Scaler by InterviewBit, an edtech platform that helps engineers achieve their highest potential and prepare for potential job interviews.
He has over 10 years of experience mentoring the next generation of engineering graduates and software developers.
He holds a bachelor's degree in information technology and business administration from the University of Newcastle, Australia.... more
Ashok Question by Ashok on May 25, 2023Hindi
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Career

Good Evening Sir My Son jee 2023 percentile is 96.42 %. He is interested for B. Tech. in Computer Science. We belongs to Haryana State. I want to know that in Computer science which field should be choosen for future and ongoing happenings/ career options : 1) Computer science OR 2) Computer engineering OR 3) Computer science & engineering OR 4) Computer science & engineering (artificial intelligence & machine learning) Or 5) Computer science & engineering (blockchain) OR 6) Computer science & engineering (data science) OR 7) Computer science & engineering (cyber security) OR 8) Computer science & engineering (internet of things) OR 9) Computer science & engineering (genome engineering & technology) OR 10) Computer science & engineering (drug engineering) OR 11) Computer science & engineering (robotics) OR 12) Computer science & engineering (energy engineering) OR 13) Electronics & communication engineering with minor degree in electric vehicles. Kindly reply for better future of my son.

Ans: Selecting a specialisation in Computer Science is a tough decision. While all the specialisations have immense career potential and shall thrive in the future, it is also crucial to gauge your child's interest. I recommend that your son should research about these topics individually and understand what all fields he finds interesting. If he is still not able to get clarity on his interests, he should join colleges that allow him to choose these specialisations after some time into the degree. This shall allow him to gain exposure in all of the fields and gauge his interests accordingly.
At Scaler School of Technology, we teach the students the fundamentals of Computer Science in the first 18 Months, let them experience the corporate world in the next 12 months and then, they finally get the option to make an educated decision about what specialisations they want to pursue. Additionally they would also get industry mentors who would help them know more about the specialisation and opportunities.
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Asked by Anonymous - Sep 15, 2024Hindi
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Money
I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

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

Happy Investing!!

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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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