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Should I pursue a Govt BDS or try again for MBBS after 12th with 398 marks?

Mayank Chandel |1931 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 11, 2024

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more

Question by srinithi on Jun 06, 2024Hindi

Career

Sir my first attempt along with 12 standard 398 marks,first drop 485 second drop 540 should I go for govt bds or try once again to get govt mbbs seat or go through self financing mbbs

Ans: Hi,
seeing the cutoff govt seat is difficult if you are in the open category. If you are sure of getting 650 plus then only go for repeat. If you can manage the finances then private institutions can be a good choice. You can try other states too where pvt college fees is less.

You may like to see similar questions and answers below

Nayagam P P |3908 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2024

Asked by Anonymous - May 20, 2024Hindi

Career

I want to do mbbs.But I failed this year.Should I join bds and continue with that(acc to my parents)?or take partial drop with bsc in a central university and try to crack neet next year for mbbs(I want to do this)..but I'm very sceptical I don't want to make any wrong decision now..

Ans: You are very much interested in pursuing an MBBS. You have not mentioned the Score / AIR you got in NEET.

You have asked whether you should join BDS as if you have got confirmed admission to BDS, I assume.

You are also doing a BSc from a Central University.

OPTIONS FOR YOU:

1) You are interested only in MBBS and NOT in BDS. Only because your parents wish you to join BDS, it is not suggested. Ultimately your satisfaction as a ‘Dentist’ is important. If you feel, you can join BDS, go ahead. Else, NO.

2) Whether you should attempt NEET next year again depends upon what Score / AIR / Marks you got last time. If you scored with a very LOW difference in marks to get an MBBS seat, you can try to attempt NEET again next year.

3) However, it is NOT at all advisable to drop your BSc from the Central University. As you had already prepared for NEET last year, you can fine-tune your preparation strategies for NEET and, at the same time, continue your BSc. Work smart for NEET, rather than hard. Pursuing MBBS is not much easy which also you have to keep in mind. If you are confident and passionate about MBBS, prepare well for NEET to get admission into any one of the reputed Medical College.

Hope I have clarified your doubts.

If you need any other clarifications or have questions for anyone, post your questions (in detail) to me and/or follow me for more useful information on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future.

Nayagam PP
EduJob360
https://www.linkedin.com/in/edujob360/

Radheshyam Zanwar |1045 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 02, 2024

Asked by Anonymous - Aug 28, 2024Hindi

Career

Respected I had just given neet examination and scored 566 in first attempt probably not getting mbbs medical college. Should I give newt exam again in the next year or shall pursue Bds. I haven't found my passion yet so what shall I do.

Ans: Hi
At a 556 score, you can't get a seat in the Govt College. But, if you are financially sound, then it is possible to get a seat in PVT medical college or you can think of completing MBBS abroad. If you like BDS, then and then go for that, else think of this choice twice. Repeating NEET once again is a risky factor and again it is not sure that you may get around 650 for a sure-shot seat in Govt College. Before repeating, think twice.
You also said that you have not found any passion yet. Then why you are trying for MBBS without any reason? First, check your interest either in Engineering or medicine or in any other sector.

Advice: Do not repeat, opt for BDS if you are getting a Govt Seat or try MBBS from any pvt medical college from India or abroad.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks

Radheshyam

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Sep 29, 2024

Asked by Anonymous - Sep 25, 2024Hindi

Career

I got 504 in neet ug 2024 AIR Rank is 199360 and Gujarat Rank is 7764. Should I go for private MBBS or govt BDS? (Private MBBS on education loan!)

Ans: Hi,
Good afternoon.
My suggestion is to pursue an MBBS degree.

Latest Questions

Kanchan Rai |403 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 17, 2024

Asked by Anonymous - Nov 15, 2024Hindi

Relationship

I am 39 year old single male, is it normal for not being married till this age?

Ans: Yes, it is absolutely normal not to be married at 39. Marriage timelines vary greatly depending on personal choices, cultural norms, and life circumstances. Societal expectations around marriage have evolved, and many people now prioritize other aspects of life, such as career development, personal growth, or meaningful relationships, over adhering to traditional timelines.

Being single at 39 could also mean that you're waiting for the right partner and connection, which is a thoughtful and mature approach. It's better to be in a fulfilling and authentic relationship than to rush into marriage due to societal pressure.

If you’re content with where you are in life, that’s what matters most. If you’re feeling uncertain or pressured, exploring what marriage or partnership means to you and aligning it with your values can be helpful.

Milind Vadjikar |640 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 17, 2024Hindi

Money

I invested 30 lakhs rupees in SBI market unit link policy,ita a policy of 5 years n 5 years waiting period so total 10 years, every year I paid 6 lakhs rupees for 5years n it's almost 6 years now,so how much money will I get it now

Ans: Hello;

Could be approx between 35-38 L.

Best wishes;

Milind Vadjikar |640 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Question by Saravanan - Nov 12, 2024Hindi

Money

I am seeking guidance on my current financial situation. I am 50 years old, with a net take-home income of 1.42 lacs per month, while my wife earns approximately 75k monthly. We have two daughters pursuing higher education, with annual fees totalling 6.10 lacs. In the wake of the COVID-19 pandemic, I faced a significant setback when I was unable to pay my home loan EMI, leading me to opt for a moratorium. Despite having already paid approximately 43.85 lakhs towards my home loan of 58.50 lakhs taken in 2017, the principal outstanding has astonishingly increased to 59.45 lakhs. I now find myself committed to an EMI of 65,000 monthly, further straining our financial resources. To cover both my daughters first-year college fees, I took out a gold loan of 5.5 lakhs, for which I currently pay 50,000 a month. I had invested in a family health insurance policy with Star Health, covering 10 lakhs, but due to poor service I stopped paying my premium, which had an accrued value of 17.50 lakhs. I hold a provident fund account with a balance of 2.5 lakhs. I am concerned about planning for my elder daughter's wedding in the next 2 to 3 years and my retirement. I would appreciate any advice or strategies you could provide to help me navigate this situation effectively.

Ans: Hello;

Try and understand from the home loan lender as to how 59.45 L principal is overdue despite paying a sum of 43.85 L, despite factoring 80% of this as interest payment, the overdue principal should be below 50 L.

Double check if this is as per the terms of moratorium.

If you are not satisfied with replies from the lender escalate the matter to the highest authority at lender or RBI.

Lender can't behave irrationally just because you availed moratorium during COVID.

In my view you should have just sold the gold rather then taking loan against it.

That way you could have lessened EMI burden on your finances and ensured investments for retirement and other goals.

Unfortunately we have a tradition of attaching emotional value to precious metals and real estate.

The best "jewellery" you can offer to your kids is good education, which you have already done.

In matters of health insurance never discontinue a policy due to dissatisfaction with the insurer, port it to another insurer, 1.5/2 months before the renewal date so that your benefits remain intact. Now you may be need to find another health care insurance.

You may begin a monthly sip of 25-30 K in diversified large cap oriented mutual fund for 5 years.

Also give a thought to NPS, you can contribute till 70 age, for retirement pension.

Best wishes;

Milind Vadjikar |640 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 15, 2024Hindi

Money

I am 42 years old male currently working as a software engineer in a private company and drawing 1.1 lakhs per month. I have 2 school going kids. My monthly expenses are around 80K per month including rent. I don't have any personal property in my name. I have invested 50L in postal term deposit(yearly payout), 20L in Shriram transport finance FD(monthly payout), 11 lakh in HDFC balanced fund dividend(monthly payout), 6L in bank FD(monthly payout) all in my wife's name. I have invested 28L in my HUF account against Shriram Transport Finance FD (monthly payout). I have around 20L in EPF and Gratuity. I have around 8 lakhs in miscellaneous Mutual funds with a monthly sip of around 36K. Most of my investments pay me monthly return except this SIP. I have done so as software job is very fragile which can go any time. However I have maxed out on the return I can take per year on my wife's head (7L) and HUF(2.5L) without tax liability. Please advise how I can invest further to get returns so that I can quickly withstand any job loss.

Ans: Hello;

You have already made sufficient provisions to survive a job loss because your passive monthly income is now almost covering your monthly expenses.

But if you need added back-up you may keep expenses worth 6 months(@ 5 L) in a liquid type mutual fund.

Focus on 3 goals;
1. Children's education
2. Retirement
3. House

If you again keep investing in fixed income bearing instruments then you may not be able to grow a corpus to fund these goals.

A mutual fund sip(36 K) is a step in the right direction. I believe these are scheme with Growth option.

Hope you have EPF/NPS/PPF investments as well.

Happy Investing;

Komal Jethmalani |368 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 15, 2024Hindi

Health

Hello madam I m 45 years old male from last 2 year.I m type 2 diabetic patient.I m on intermittent fasting 18hrs..I take lunch at 13.00 and dinner at 18.30..I m on salad in lunch with protien 100gm no carbs and in dinner i take salad protien 100gm and 100gm cooked rice...My weight and height 78kg and 178 cm..I take 12000 steps every day.My H1abc is 49.I live in europe..Just looking youtube video I make discipline in my life..Is anything more i can do better? Thank you

Ans: I am glad that you've established a disciplined routine that's impressive and beneficial for managing type 2 diabetes. Keep track of your blood sugar levels before and after meals to understand how different foods affect you. Hydrate well and add healthy fats such as avocados, nuts, seeds, and olive oil which can provide satiety and essential nutrients without spiking your blood sugar. Incorporate fruits, vegetables, beans , etc. in your diet to ensure a good intake of fiber. While your daily 12,000 steps are excellent, incorporating other forms of exercise such as strength training or cycling, etc., will be beneficial.

Milind Vadjikar |640 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Krishna - Nov 11, 2024Hindi

Money

sir, I wish to start SIP of Rs 5000 each in one small cap , one midcap , one flexi cap and one multi cap funds.Please suggest me the funds where I can invest. I am planning to invest fir a period of ten years.

Ans: Hello;

You may consider following funds:

SBI Small cap fund
Kotak Emerging equities fund
PPFAS flexicap fund
Nippon India Multicap Fund

These funds are recommended based on relatively steady returns over 10 year horizon.

Happy Investing;

Milind Vadjikar |640 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 10, 2024Hindi

Money

Hi Nitin, I am 40, no saving, no investments. Was out of job in '22 restarted contractual work in '24. During this period of 2 years. I borrowed money from people (friends/ family) & credit card. Missed multiple EMI's. Cibil score has gone for a toss. Out of monthly income of 40,000 i have monthly due of 30,000 to clear each month. Please guide how i can turn around the situation.

Ans: Hello;

Only way you can turnaround the situation is by diligently repaying overdue loans.

Once loans are over start a monthly sip of 20 K. This can grow into a corpus of around 50 L in 10 years and around 1 Cr in 15 years. (12% return from equity funds assumed).

Best wishes;

Milind Vadjikar |640 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Kaushik - Nov 11, 2024Hindi

Money

Hello, I am 49 years old and seeking an early retirement. My total corpus at the current state is approx 8 Cr as per the following breakup. 1. Equity - 4.4 CR 2. FD - 1.05 CR 3. Gold - 1 CR 4. 2 nos Property - current valuation - 1.6 CR My curent monthly expenses is approx 1.5 lacs. I have done an medical insurance and I have zero debt. Is this situation is favourable for me to retire in next 1 year with considering life expentensy around 85 years. I am still unvesting 1 lac per month is equities. Thanks

Ans: Hello;

Kudos for a judicious blend of asset allocation.

I have assumed one property occupied by you (80 L) while the other property is let out(80 L) and considering 3% rental yield may provide you a monthly income of 20 K.

You may buy immediate annuity for a sum of 1.45 Cr which may provide you a monthly income of around 65 K (post-tax). (6% annuity rate considered)

For the balance 5 Cr corpus you may do an SWP in a low to moderate risk equity savings fund like ICICI Pru equity savings fund. A 3% SWP will get you a monthly income of 1.12 L (post-tax).

So your total post-tax monthly income in retirement would be 1.12+0.2+0.65= 1.97 L.

A modest return of 8% on SWP fund will be good enough to provide inflation adjusted income every year till the age of 85.

Avoid direct equity and pure equity mutual fund exposure in retirement. Invest through hybrid mutual funds, with low allocation to equity.

Happy Investing;

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 11, 2024Hindi

Career

Hi Experts, Should i take md/diploma in non clinical branch or drop for another year, this will be my fifth attempt. My current rank in neet pg is 87k.

Ans: Hi,If you have the opportunity to pursue an MD in Pharmacology, I highly recommend that you do so without hesitation. There are numerous opportunities for pharmacologists in the pharmaceutical industry. These companies are required to conduct clinical studies before marketing their drugs, making a background in pharmacology highly valuable. Therefore, pursuing an MD in Pharmacology can be a great decision for your career.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Ayesha - Nov 09, 2024Hindi

Career

I completed my mbbs from Kyrgyzstan but i am not eligible to give exam in pakistan for licence what can i do now plz suggest

Ans: Hi Ayesha,

I have a few questions for you:

1. Are you a citizen of India?
2. Is the exam you mentioned the licensure exam? If so:
- Why do you want to take it in Pakistan?
- Why did you not complete the licensure exam in India?
- Are you planning to settle in Pakistan?

If the answer to the first question is yes, then taking the licensure exam in Pakistan raises some concerns. I suggest it would be better for you to complete your FMGE in India and then move to Pakistan.

See more questions »

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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