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Dr Dipankar

Dr Dipankar Dutta  |1244 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on May 08, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Asked by Anonymous - May 08, 2025
Career

I have finished std 10 and want to take up PCMB for 11th and 12th. How should I go about in selecting a good college (dummy/regular) based on my interest. I live in Pune

Ans: You should check faculty profile
Career

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Mayank

Mayank Chandel  |2263 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 22, 2023

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Career
I am class IX and my subjects are pcmb. From class XI I wish to take pcb (zoology) as subjects. Can you please guide me what would be the carrier opportunities for me. Aradhya Sharma
Ans: Hello Ardhya,
You go for professional Medical fields like MBBS, BDS, BAMS, BHMS, etc through NEET-UG after the 12th.

If you are not interested in Medical, here are other avenues.

Plain B.Sc in CBZ and the P.G.


Bachelor of Medical Laboratory Technology (BMLT) - This course is related to the diagnosis and treatment of diseases through the analysis of blood, tissue, and other bodily fluids.

Bachelor of Optometry and Vision Science (BOVS) - This course is related to the diagnosis and treatment of vision disorders, including the use of contact lenses, glasses, and other corrective devices.

Bachelor of Respiratory Therapy (BRT) - This course is related to the diagnosis and treatment of respiratory diseases, including the use of oxygen therapy and mechanical ventilation.

Bachelor of Nuclear Medicine Technology (BNMT) - This course is related to the use of radioactive materials to diagnose and treat diseases, including cancer.

Bachelor of Neurophysiology Technology (BNT) - This course is related to the diagnosis and treatment of neurological disorders, including the operation of equipment such as EEG and EMG machines.

Bachelor of Perfusion Technology (BPT) - This course is related to the use of heart-lung machines to support patients during cardiac surgery.

Bachelor of Medical Imaging Technology (BMIT) - This course is related to the use of medical imaging technologies, such as MRI, CT, and X-ray machines, to diagnose and treat diseases.

Bachelor of Renal Dialysis Technology (BRDT) - This course is related to the use of dialysis machines to treat patients with kidney disease.

Forensic Science: You can opt for a career in forensic science by pursuing a B.Sc. in Forensic Science or M.Sc. in Forensic Science.

Pharmacy: You can opt for a career in pharmacy by pursuing a B.Pharm or M.Pharm.


For any further help & guidance, you can contact me through our social media handle named CAREERSTREETS.

..Read more

Nayagam P

Nayagam P P  |4506 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2024

Asked by Anonymous - Jul 04, 2024Hindi
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Career
Sir meri beti abhi 10th class me hai and next year m usko 11 & 12 dummy school krwakr neet ki preparation krwana chahti hu. Meri daughter 12th PCMB lena chahti hai to uske liye konsa coaching centre thik hai, PCMB ek sath success ho skti hai kya, m delhi me rhti hu to coaching delhi me thik hai ya kota admission krna chahiye. Kya JEE and NEET ki same institute preparation krwa skta hai plz suggest
Ans: I have fully UNDERSTOOD your Question in HINDI. Please ask Your DAUGHTER TO READ MY ANSWER. (1) Joining a Dummy School is slightly risky, as Govt. may blacklist dummy school any time. Depends upon Govt. Policy. If you want to take risk on 'Dummy School', you can go ahead (2) If your daughter targets NEET, it is advisable to choose only PCB and NOT Maths. (3) She cannot focus both on JEE & NEET (3) Studying at Kota has both Merits & Demerits. She will have to go through a lot of pressure (which she should be able to bear) apart from outside / canteen food she will have to eat. She will have to wash her clothes etc. Merit is quality of Coaching will be good at ALLEN and some 2-3 good institutes. But you have to decide, based on availability of accommodation, fees affordability etc. She will have a lot of doubt clearing sessions and she also will come to know where she stands among other students and where she has to move / improve? (3) ALLEN will be a good Coaching Center in Delhi also. She can join nearby her residence in Delhi to reduce her travel time. Some IMPORTANT Preparation Strategies for Her: (1) Whenever she studies at home, she should study for 45-minutes. Then take a break of 10-minutes when she can move away from her study table, walk, have some water & relax. If she continues studying beyond 45-minutes, her concentration power will go down, resulting to low output. Most students commit this mistake. (2) On daily basis (morning or evening whichever will be convenient to her), do yoga or meditation or physical exercises or play any games / sports (whichever she can do) for at least 30-45 minutes This will further reduce her stress / distractions. (3) She should study tough topics / tough subjects (applicable to her) early morning with your fresh mind. (4) Should eat a lot of green vegetables / fruits & avoid soft drinks (5) Every day night, before going to bed, she should revise whatever she has studied during the day. (6) Also, should revise every week whatever she has covered till date (here her short-notes which she should prepare will be helpful). (7) She should also keep practising questions on topics which you have covered either offline or online (8) Should give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM) (8) You might be aware that NEET rank is allotted on the basis of highest score in Biology. She should practice more and more in Biology, till she reaches Speed & Accuracy (9) By the end of 11th/12th standards (December-January), she should attempt fully syllabus online test series / mock tests, evaluate and analyse her performance such as, (a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb her when she appears in actual NEET exam (b) abnormal time taken to attempt any question which she can come to know from Online Test Series which she should reduce (c) which questions she skipped and why? (10) She should AVOID studying under pressure that she should definitely get admission only into top Medical Colleges. Never advisable. (11) She should Have Plan B & Plan C for other Colleges Entrance Exams / Disciplines-Streams (allied-Medicines / Pure Sciences). (11) She should avoid comparing herself with other students. (12) Also, it is highly ideal to appear in / attempt minimum 2-3-Entrance Exams (for both Govt & Private Engineering Colleges), apart from NEET / CUET for Allied-Medicine & Pure Science Courses. She will have a lot of options (easiest method, if she does not score well in NEET) to choose the best and most suitable one, keeping in view a lot of factors such as, College | Location | Her Interest | Stream Preference | Placement Records | College Culture | Her Short & Long Term Goals | Pressure She Can Go Through / Bear | Her AIR & Job Market Condition. I hope I have answered to your question with value additions. All the BEST for your Daughter's Bright Future.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8342 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Asked by Anonymous - May 13, 2025
Money
Greetings!!!! I am 43 years Old, I had started 10k per month TATA AIA SIP in previous year for total 7years Plan. I want to education plan for my 1 kid who is 6 years old now. Please advice and guide me about more investments plan, as i am still confused about future growth and any plan for my wife age 38years.
Ans: You're at a critical financial stage. Planning for your child’s education and securing your family’s future are both top priorities. You've already started a ULIP, which is a start. But let’s take a deeper 360-degree view of your situation.

Below is a detailed plan, broken into simple sections for better clarity.



Assessment of Your Current ULIP Investment

You're investing Rs. 10,000 per month in a 7-year ULIP.



ULIPs mix insurance with investment. That reduces the growth power of your money.



Charges like premium allocation, fund management, and mortality charges reduce returns.



Your actual invested amount is much lower in the first few years.



ULIPs have limited flexibility in fund switching and partial withdrawal rules.



Maturity benefits are taxed if the annual premium exceeds Rs. 2.5 lakh. Be cautious of this.



A ULIP is not ideal for education goals or long-term wealth building.



As a Certified Financial Planner, I suggest surrendering this policy and moving funds to mutual funds.



You can continue till 5 years to avoid surrender charges if already started.



But do not renew after the 7-year term. Don't increase contributions in this ULIP.



Planning for Your Child’s Higher Education

Your child is 6 years old. You have around 11-12 years.



College education in India or abroad can cost Rs. 30–60 lakhs or more.



Instead of ULIPs, invest in diversified mutual funds. This will give better inflation-adjusted returns.



Use a mix of large cap, flexi cap and small cap mutual funds.



Start SIPs in these funds with a long-term horizon of 10-12 years.



You may also consider goal-based child education funds that are actively managed.



Don't invest in direct funds. They look cheaper, but don’t offer guidance.



Always invest through a Certified Financial Planner via a regular plan.



Your investment will stay aligned with your goal as the planner will guide with rebalancing.



Use a dedicated SIP only for child’s education goal. Don’t merge it with retirement planning.



Suggested Action Plan for Child’s Education

Shift future contributions from ULIP to SIPs in active funds.



Start with Rs. 20,000 per month SIP only for education.



Review this SIP every year and increase it by 10%-15% annually.



Add lump sums like bonuses or yearly increments into the same goal fund.



In the last 2 years before the education goal, shift to debt funds slowly.



This will protect your accumulated amount from equity volatility.



Investment Plan for Your Wife (Age 38)

She has a long horizon. She can invest for both retirement and her independent needs.



Open a separate mutual fund folio in her name.



Start SIPs in flexi cap, large & midcap, and hybrid funds in regular plans.



You can start with Rs. 10,000 per month and increase gradually.



You may also use her PPF account for additional tax-free corpus.



Avoid investing in gold, insurance policies, or real estate for her.



Ensure she has her own health insurance and a term insurance if she’s working.



If she’s not working, then create an emergency fund in her name.



That gives her independence and safety if she needs cash.



Family Protection with Insurance

You did not mention your term cover. You must have it if not already.



Ideal cover should be 15–20 times your yearly income.



ULIPs or LIC endowment policies should not be considered for protection.



Avoid investment-linked insurance plans. Keep insurance and investment separate.



Review your existing insurance covers. Add riders like critical illness and accident if needed.



Tax Efficient Planning

Use Section 80C wisely. Don’t just rely on ULIP or LIC plans.



Max out PPF, ELSS mutual funds, and children tuition for tax saving.



Invest in actively managed ELSS funds for better returns than ULIPs.



Avoid index funds for tax planning. They may underperform in volatile markets.



Debt funds are taxed as per slab now. Use carefully if short horizon.



Track capital gains if you sell mutual funds. Use new tax rules for equity funds:



  - LTCG above Rs. 1.25 lakh taxed at 12.5%

  

  - STCG taxed at 20%



Plan redemptions well in advance to manage taxes efficiently.



Retirement Planning (For You and Wife)

Start a separate SIP for your retirement corpus. Do not merge with other goals.



You have 17 years for retirement. That’s good for wealth accumulation.



Invest in a mix of actively managed flexi-cap and large-cap funds.



Add hybrid funds to reduce volatility as you near retirement.



Continue EPF, and increase VPF if possible. It is tax-free and safe.



Don't consider NPS if liquidity is important. Maturity rules are rigid.



Use mutual funds with regular advice to stay on track till age 60.



Exit ULIPs and Poor Insurance Products

You mentioned TATA AIA ULIP. Continue for 5 years to avoid penalty.



After that, exit and move funds to SIP in mutual funds.



If you or wife have LIC endowment, Jeevan Saral, or ULIPs, surrender them.



Reinvest maturity amount into SIPs in regular mutual fund plans.



Do not fall for insurance agents who pitch plans as tax saving or guaranteed.



Emergency Fund and Liquidity

Keep at least 6 months of family expenses in a liquid mutual fund.



Don’t use your SIP or education fund as emergency source.



You may open a separate savings bank linked sweep account for this.



This fund will help if there is any job loss, health issue, or urgent need.



What Not to Do

Don’t invest in new ULIPs or insurance-linked plans.



Avoid direct mutual fund investments. You won’t get guided rebalancing.



Do not use your child’s education fund for house down payment.



Don’t pick index funds. They underperform in sideways or bear markets.



Don’t buy land or gold as an investment for your goals.



Final Insights

You are at a very strategic life stage. You have time and income strength.



ULIPs will not help you grow wealth. Shift to goal-based mutual fund SIPs.



Separate goals: child education, your retirement, wife’s security, and emergencies.



Invest only through a Certified Financial Planner for customised long-term support.



Review all goals every year. Increase SIPs with income.



Protect family with pure term insurance and health insurance.



Focus on building wealth in regular mutual funds, not through insurance products.



Real financial freedom comes when goals are funded without stress.



You have a clear head start. Use it with discipline and right guidance.



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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