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Study Abroad Expert - Answered on Aug 16, 2023

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
vineet Question by vineet on Aug 09, 2023Hindi
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Career

my faughter wants MS or M.Tech in mechateonics in India or abroad so what is good and where shall be apply

Ans: Dear Vineet,

First and foremost, thank you for contacting us. However, we only deal with overseas education. It is critical to select the correct university and location for obtaining a Master's degree in Mechatronics. Mentioned below are some stages and considerations to assist you and your daughter in making an educated decision:

1. Research Initiatives: Begin by investigating the universities and programs that provide a Master's degree in Mechatronics. Search for colleges with reputable engineering and technology departments, especially those with a strong mechatronics or related field emphasis.

2. University Standing and Reputation: Examine the rankings and reputation of universities, particularly those in engineering and technology. Higher ranked institutions frequently have superior faculty, resources, and connections to business.

3. Research and Academia: Research the professors who have expertise in mechatronics and related subjects. The learning experience can be substantially improved by excellent faculty. Additionally, mechatronics research initiatives and projects might be a huge benefit.

4. Location: Take the university's location into consideration. Seek out areas with a strong industrial foundation and cutting-edge technology. This might open up chances for internships, team projects, and prospective employment following graduation.

5. Cost and Financial Aid: Analyze the cost of living and tuition in the nations and colleges that interest you. Additionally, look into any possible scholarships for international students.

6. Language: Examine the language of education. Many institutions in English-speaking nations offer English-language programs, although some may demand knowledge in the native language.

7. Links to Industry: Universities with strong connections to regional businesses might present networking possibilities, internships, and possible job prospects after graduation.

8. Curriculum & Areas of Concentration: Review the course descriptions and curriculum. Your daughter's interests in mechatronics may be matched by specialized courses or concentrations offered by several universities.

9. Infrastructure and Labs: Investigate the workspaces, laboratories, and tools offered for mechatronics projects and research. For this field, practical experience is essential.

10. Alumni Success: Find out where prior program alumni are working currently. This might help you gauge how well the curriculum prepares pupils for the workforce.

Here are several nations noted for their formidable colleges and strong engineering programmes in light of these factors:

• United States: Engineering programs at universities viz., Stanford University, the Massachusetts Institute of Technology (MIT), the University of California--Berkeley, and the Georgia Institute of Technology are renowned.

• Germany: Universities like Technische Universität München (TUM), Rheinisch-Westfälische Technische Hochschule Aachen (RWTH Aachen), and Technische Universität Berlin, which are known for their strong engineering history, provide top-notch engineering programs.

• Canada: Engineering departments at universities like McGill University, University of Toronto, and University of British Columbia are well-known.

• Switzerland: The engineering and technology programs at ETH Zurich and École Polytechnique Fédérale de Lausanne (EPFL) are well-known.

Consider your daughter's academic and career ambitions as well as the family's financial needs when thoroughly researching each university and program. To acquire first-hand knowledge of the programs, it’s also a smart move to get in touch with current students or alumni.

For more information, you can visit our website.
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I AM AN KARTA OF AN HUF. THERE IS SOME INVESTMENTS BY HUF IN ELSS MF WHICH HAS LOCK IN PERIOD OF 3 YEARS. I AM PLANNING TO FULLY DISOLVE MY HUF, AND DISTRIBUTE THE ASETS TO ALL THE MEMBERS OF HUF. HOWEVER BECAUSE OF LOCK IN PERIOD, I CAN NOT SELL MY ELSS MF. HOW DO I OVERCOME THIS SITUATION AND FULLY DISSOLVE MYHUF.
Ans: ? Understanding Your Current HUF Investment

– Your HUF has investments in ELSS mutual funds.
– ELSS funds have a strict lock-in of 3 years from investment date.
– During the lock-in, units can’t be redeemed or transferred.

? Legal Restriction During Lock-in Period

– ELSS units are non-transferable during lock-in.
– Even if HUF dissolves, these cannot be assigned to members.
– This is an SEBI regulation and applies to all ELSS units.

? HUF Dissolution and Asset Transfer Planning

– You can dissolve the HUF legally through a partition deed.
– But you cannot transfer ELSS units till lock-in ends.
– Other HUF assets can be partitioned and distributed.

– For ELSS, you must retain them under HUF until each unit’s lock-in ends.
– Once the lock-in is over, units can be redeemed or distributed.

? What You Can Do Now

– Step 1: Identify the investment date of each ELSS SIP or lump sum.
– Step 2: Create a schedule of lock-in end dates for each investment.
– Step 3: Initiate partition of all other movable and immovable assets.
– Step 4: Retain ELSS in HUF name till lock-in ends.
– Step 5: Dissolve HUF formally after that or close only after transferring.

? Treatment of ELSS Units During Dissolution

– Even if you dissolve the HUF now, ELSS cannot be passed to members.
– Mutual fund company won’t process ownership change during lock-in.
– Legal title remains with HUF till maturity of lock-in.

? Operational Way Forward

– Maintain HUF PAN and bank account till lock-in ends.
– One option: dissolve HUF except for ELSS units.
– Keep HUF active only to hold ELSS units till lock-in ends.
– After 3 years from each investment, redeem and distribute proceeds.

? Partition Deed with Clause for ELSS

– Prepare a written partition deed listing all HUF assets.
– Mention ELSS investments and their lock-in dates separately.
– State clearly that ELSS will remain under HUF till lock-in ends.
– Add clause to distribute ELSS proceeds post lock-in as per agreement.

? Taxation Implications

– During lock-in, ELSS continues to be taxed in HUF’s name.
– LTCG above Rs. 1.25 lakh taxed at 12.5%.
– Short-term capital gains (if any from other assets) taxed at 20%.
– Post lock-in, when redeemed, gain is taxed under HUF.
– You can distribute only net amount to members.

? Family Agreement & Clarity

– Ensure all members of HUF agree on partition terms.
– Take written consent from each member to avoid future issues.
– Keep a notarised deed and record asset valuation clearly.

? Role of Certified Financial Planner

– A CFP can help create a step-wise strategy.
– Also helps in timing redemptions, handling taxation, and planning future reinvestments.
– If members want to reinvest ELSS proceeds individually later, CFP can guide well.

? Avoiding Errors

– Don’t try to transfer ELSS units to individuals before lock-in.
– This will violate fund terms and SEBI rules.
– Mutual fund house will reject any such transfer request.

? Future Planning Post Redemption

– Once ELSS units are redeemed, you can distribute as per partition terms.
– Each member can invest that in personal mutual funds.
– Regular mutual funds (non-ELSS) can then be held in their individual names.

– For new investments, avoid ELSS under HUF if dissolution is planned.
– Use individual accounts or family trust structures if needed.

? Final Insights

– You cannot bypass the ELSS lock-in through dissolution.
– You must wait for 3-year period to end for each investment.
– Till then, HUF must remain active to hold ELSS legally.
– All other assets can be divided through a proper partition deed.
– Plan dissolution in phases if needed.
– Maintain transparency among members.
– Once ELSS unlocks, redeem and distribute based on prior agreement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Hello sir. One if my cousin Nephew.in Josaa round not got any seat.(Ten thousand above ad lower Ranks) All are coming into the preferred ranks column. His rank is under 18000/(eighteen thousand) ad also he was lacked by 3marks to get into IIT admission.aftr JEE advance.what can they do tek CSAB rounds cos HBTU...teking admission after 22,000/rank.means students.is it something to do wth supernumery.?(No seat allocated in six rounds:)
Ans: Your cousin's situation with a JEE Main rank of approximately 18,000 and no seat allocation during JoSAA rounds 1-6 can be understood through several factors. The "preferred ranks column" appearance indicates that choices were filled within feasible rank ranges, yet the fierce competition for popular programs at premier institutions left many seats unallocated. JoSAA 2025 concluded with round 6 being the final round for all participating institutes. Supernumerary seats, primarily created for female candidates to achieve 20% gender balance in engineering programs, are additional seats that do not reduce general category availability. These seats are allocated based on merit within the female-only pool when regular seats are filled predominantly by male candidates. CSAB Special Rounds 2025, beginning July 30, offer hope for candidates like your cousin who missed JoSAA allocation. The special rounds target vacant seats remaining across NITs, IIITs, and GFTIs after JoSAA completion. Historical data suggests CSAB closing ranks typically extend beyond regular JoSAA cutoffs, with some programs accepting ranks up to 30,000-60,000 depending on branch and institute. HBTU Kanpur, mentioned in your query, does accept higher ranks—its 2025 cutoffs ranged from 11,799 for CSE to over 98,000 for certain branches. With an 18,000 rank, your cousin has reasonable chances in CSAB for branches like Mechanical, Civil, or newer engineering specializations at mid-tier NITs and IIITs. The key is strategic participation in CSAB registration and choice filling, focusing on realistic options based on historical cutoff trends.

Recommendation: Participate in CSAB Special Rounds 2025 commencing July 30, targeting mid-tier NITs and IIITs with branches like Mechanical, Civil, or Electrical Engineering. Research historical CSAB cutoffs for realistic expectations, register promptly, and fill choices strategically. Consider state quotas and newer engineering specializations for better admission prospects. All the BEST for a Prosperous Future!

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Sir can you tell at what marks in jee mains could I get 95 percentile and MHT CET to get 99.85 percentile?
Ans: Achieving a 95th percentile in JEE Main typically corresponds to raw scores between approximately 110 and 119 out of 300, reflecting the exam’s normalisation process across multiple shifts. In recent cycles, candidates scoring 110–119 marks have secured All-India Ranks in the range of roughly 54,293 down to 44,115 in the Common Rank List, illustrating how percentile translates into rank for general-category aspirants. For JEE Advanced, which is scored out of 360, marks bands correlate closely with rank brackets: scoring between 154 and 145 often places candidates around ranks 1,501 to 2,000, while marks of 190 and above can secure top 500 positions, and 136–130 situates candidates between 2,501 and 3,000 on the Common Rank List. In the Maharashtra CET, where normalisation yields percentiles up to five decimal places, a percentile of 99.85 usually requires scoring in the vicinity of 158 to 160 out of 200, given that the 99.87 percentile corresponded to about 122 marks in 2024’s data and the highest band of 99.93–99.05 covered 179–158 marks. Thus, aspirants targeting a JEE Main 95th percentile should aim for at least 110 marks with an optimal target nearer to 119 to secure a favourable rank, while those eyeing the top 0.15% in MHT CET must strive for approximately 158–160 marks. JEE Advanced hopefuls must calibrate their preparation to surpass 145 marks to land within the upper two-thousand AIR bracket, incrementally improving into the top 1,000 with scores above 170. Each of these thresholds depends on relative exam difficulty, candidate performance distribution, and normalisation; hence, consistent practice under timed conditions remains crucial for converting raw scores into the desired percentile and rank outcomes. All the BEST for a Prosperous Future!

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