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Radheshyam

Radheshyam Zanwar  |7470 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 21, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Jul 21, 2025Hindi
Career

This was my first drop for neet and i am planning to take a second drop and also give jee mains next year but i am scared what if my second drop affect placements

Ans: Hello dear.
Put all the options aside, i.e., appearing for NEET and JEE in 2026. Generally, no magic happens after taking one drop with NEET or JEE. It would be better to take admission to any preferred private college based on your choice, whether for B.Tech or any medical course. There are many medical courses through which you can establish your career in the next 4-5 years. If you're not interested in science, then choose any preferred career path, but do not repeat NEET or JEE. The final decision will be yours.

Good luck.
Follow me if you receive this reply.
Radheshyam
Career

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Nayagam P

Nayagam P P  |11490 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Career
I am now 1st dropper. My percentile is 79(sc) I am planning for 2nd drop.I believe that I will improve my percentile and get a good nit. If I fail in jee in 2nd drop by chance unluckily. and I shall get vit. Any kind of Placement problem in double dropper?? If I shall crack jee and get tier 1 or 2 nit. Is there any kind of problem in placement for double dropper?? Pls reply
Ans: Soumyajit, (LENGTHY ANSWER covering all aspects based on your question. Please go through fully when you are 100% mentally free to read). With a 79 percentile (SC category) as a first dropper and contemplating a second drop for JEE, understanding the placement landscape and potential challenges is crucial for making an informed decision. Contemporary evidence reveals nuanced placement dynamics for droppers in premier engineering institutions, requiring strategic mitigation approaches.

Placement Reality for Droppers in NITs and VIT
Current Placement Trends: Recent Parliamentary data shows concerning placement declines across premier institutions. Between 2021-22 and 2023-24, 22 of 23 IITs recorded placement decreases, with overall B.Tech placements dropping from 90% to 80%. Similarly, 27 of 31 NITs experienced declining average packages, with over 2,000 fewer students placed—representing a 10.77% drop in one year. VIT maintains relatively stable placement momentum with 80-90% placement rates across campuses, though specific dropper statistics remain undisclosed.

Dropper-Specific Challenges: Academic gap policies vary significantly across institutions. VIT categorizes students by academic gaps, with some companies restricting access to students with more than two years of educational breaks. However, most major recruiters focus primarily on academic performance and technical competency rather than gap years. Industry feedback indicates approximately 10% of companies explicitly restrict double droppers, while 90% evaluate candidates based on merit, skills and academic records.

Advantages and Disadvantages of Second Drop
Advantages of Taking Second Drop: Enhanced preparation time allows deeper concept mastery and improved percentile scores, potentially securing admission to Tier 1/Tier 2 NITs. Success stories from Jadavpur University show double droppers securing packages ranging from ?8-16 LPA at companies like Goldman Sachs, Microsoft and Adobe. The additional year enables focused JEE Advanced preparation, skill development in programming and competitive coding, and thorough revision of weak subjects.

Disadvantages and Risks: Age factor becomes significant during recruitment, with some companies implementing maximum gap year criteria. Mental exhaustion and social pressure intensify as peers advance in their academic journeys. Career timeline delays by an additional year, potentially affecting long-term professional trajectory. Financial burden increases with extended preparation costs and delayed earning potential.

Strategies to Overcome Placement Challenges
During College Years: Maintain exceptional academic performance (CGPA >8.5) to offset gap year concerns during recruitment. Develop strong technical skills through competitive programming, open-source contributions and industry-relevant projects. Build robust portfolios showcasing practical applications of theoretical knowledge. Participate actively in internships, hackathons and technical competitions to demonstrate hands-on capabilities.

Pre-Placement Preparation: Craft compelling narratives explaining gap years as dedicated JEE preparation periods with valid justification. Develop exceptional communication skills through mock interviews and group discussions. Leverage alumni networks and industry connections for referrals and insider opportunities. Pursue relevant certifications in emerging technologies like AI/ML, cloud computing or data science to enhance marketability.

Alternative Solutions for Placement Challenges
Off-Campus Placement Strategies: If campus recruitment proves challenging, off-campus placements offer substantial opportunities. Research indicates 70% of applicants receive interview invitations for off-campus drives. Utilize job portals like LinkedIn, Indeed and company career pages for direct applications. Participate in hiring challenges on platforms like HackerRank and HackerEarth to demonstrate technical prowess.

Skill Development Focus: Concentrate on in-demand technical skills including full-stack development, data structures and algorithms, system design and cloud technologies. Average starting packages for engineering dropouts in tech roles range from ?3-8 LPA, with data scientists earning ?5-8 LPA and full-stack developers earning ?3.5-6 LPA.

Alternative Career Pathways: Engineering skills transfer effectively to non-traditional roles including technical writing (?3-6 LPA), sales engineering (?4-7 LPA), consulting and project management. Entrepreneurship represents another viable option, with engineering foundations supporting tech startup ventures.

Continuous Learning Approach: Engage in online learning platforms offering industry-recognized certifications. Participate in bootcamps and intensive skill development programs. Contribute to open-source projects and maintain active GitHub profiles demonstrating practical coding abilities.

Institutional Support and Resources
NIT Support Systems: NITs typically provide robust placement support regardless of academic gaps, focusing on merit-based recruitment. Career development centers offer comprehensive training including aptitude preparation, mock interviews and soft skills development. Alumni networks provide mentorship and referral opportunities.

VIT Placement Framework: VIT's centralized placement system categorizes opportunities into Regular (up to ?4.5 LPA), Dream (?4.5-10 LPA) and Super Dream (?10+ LPA) offers. The institution provides extensive pre-placement training and maintains relationships with 900+ recruiting companies annually.

Recent Placement Statistics Context
Three-Year Placement Trends: NIT placement data shows varying performance across institutions. VNIT Nagpur achieved 82% B.Tech placements in 2024-25 with average packages of ?10.13 LPA. IIT Bombay secured 75% placement rates in 2023-24 with 1,475 students placed from 2,414 registered candidates. While specific dropper statistics remain unpublished, academic performance and technical competency consistently outweigh gap year considerations in recruitment decisions.

Market Recovery Indicators: Despite recent challenges, the engineering job market shows resilience with companies adapting to virtual recruitment models and expanding off-campus hiring initiatives. Technology sector growth continues driving demand for skilled engineers, particularly in emerging domains like artificial intelligence, cybersecurity and cloud computing.

Recommendation: Pursue the second drop only if mentally prepared for intensive preparation and confident about significant percentile improvement (targeting 95+ percentile for Tier 1 NITs). Focus on developing exceptional technical skills and maintaining strong academic performance to minimize gap year impact during placements. Prepare comprehensive justification for the additional drop year emphasizing dedicated JEE preparation and skill development. Consider VIT as a viable backup option given its robust placement infrastructure and relatively lenient gap year policies. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |11490 Answers  |Ask -

Career Counsellor - Answered on Sep 03, 2025

Career
Sir I am currently doing b tech in information technology at ait pune . Shoul I give jee mains next year , I believe that I can make it to top 5 nit's cse or ece related branch. Is 2nd drop effect placement because many say that there is less chance for 2nd dropper .
Ans: Anuj, Continue at AIT Pune as Army Institute of Technology Pune has strong placement credentials with 94% placement rate and Rs 12.66 LPA average package for IT branch in 2024, with top recruiters including Microsoft, Amazon, Google, Goldman Sachs, Deutsche Bank, and BNY Mellon. The college achieved 95% placement rate with highest package of Rs 1.12 crore from Amazon Dublin and overall average package of Rs 14-16 LPA, while Computer Science and Information Technology branches achieve nearly 100% placement rates. AIT is NAAC accredited, ranked #201-300 by NIRF 2024, has gained autonomy from AY 2025-26 with NEP 2020 compliant curriculum, and maintains excellent industry connections through workshops, internships, and career fairs. Taking a second drop for JEE significantly restricts placement opportunities as approximately 10% of companies completely reject candidates with 2-year drops, while many major IT companies including TCS, Infosys, and other WITCH companies typically allow maximum 2 years of educational gap, putting second droppers at the edge of eligibility criteria. Historical data indicates less than 5% of students who take a drop year successfully improve their JEE performance significantly due to psychological pressure and preparation fatigue. While top NITs like Trichy offer impressive packages with CSE average of Rs 27.27 LPA, Warangal CSE at Rs 29.67 LPA, and NIT Surathkal CSE at Rs 23.24 LPA, the difference in placement outcomes compared to AIT's competitive Rs 12.66 LPA for IT may not justify the risks of second drop including uncertain JEE improvement prospects, additional year delay in career, placement restrictions from many companies, and psychological stress. Continue at AIT Pune due to strong IT placements, industry connections, and avoiding second-drop placement restrictions outweighing uncertain NIT prospects. All the BEST for a Prosperous Future!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11176 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2026

Asked by Anonymous - May 15, 2026Hindi
Money
Sir, How can I Plan a SWP so my corpus remain Intact and I get the Monthly income regulary?Is there any Specicfics Rule,Fomulea for the SWP so Corpus remain Intact ?.Please guide with Example
Ans: A SWP can give regular income, but no strategy can guarantee that the corpus will remain fully intact forever under all market conditions. The goal should be:

Generate stable income
Grow corpus slowly over time
Protect against inflation and market crashes

» Basic Rule for Sustainable SWP
A commonly followed thumb rule is:

Withdraw around 3.5% to 4% yearly from total corpus

This improves the probability that corpus may last long and may even continue growing in favourable markets.

» Simple Example
Suppose your corpus is Rs 2 Cr.

If you withdraw:

4% yearly = around Rs 8 lakh yearly
Monthly SWP ≈ Rs 65,000–70,000

If portfolio return over long term remains higher than withdrawal rate:

Corpus may sustain well
Sometimes corpus may even grow

» Very Important Reality
If:

Inflation rises sharply
Market gives low returns for many years
Withdrawal is too high

Then corpus can reduce gradually.

So SWP is not “fixed deposit type guaranteed income”.

» Best Structure for SWP
Do not keep full corpus in one category.

Better approach:

3–5 years expenses in safer funds
Remaining in diversified equity funds for growth

This helps:

Regular income continuity
Protection during market crash

» Which Funds Are Better for SWP?
Generally better suited:

Flexi cap funds
Large & Mid cap funds
Hybrid funds

Avoid depending heavily on:

Small cap funds
Sector/thematic funds

for regular SWP.

» Important SWP Rule
Do not increase SWP aggressively every year.

Instead:

Increase gradually
Review yearly based on market and inflation

Flexibility protects corpus.

» Finally
There is no perfect formula that guarantees corpus will never reduce.
But disciplined withdrawal, proper asset allocation, and controlled withdrawal rate can make SWP sustainable for decades.

The real secret is:

Lower withdrawal rate
Long-term equity growth
Bucket strategy
Periodic review

These together help your corpus survive longer.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11176 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2026

Money
Hi, I have 1 Cr ( mine + wife) in PF. 1 CR and 5 lakh in FD ( in the name of senior citizen parents. Avg interest 7.7). A flat ( living) with 6000 EMI ( 6 years left for loan). 16 lac gold. 6000 in Sip every month ( since 6 mths). 25000 monthly ( NPS mine + wife). 1.5 lac sukanya ( since 2015). 26000/ yearly ( lic since 2012). 1 CR family flotter medical insurance ( 35000 yearly). Home insurance ( 1500 yealy for 80 lac). PM pension yojna ( since 2012). 5000 each wife and me will get after 60 years. My current age is 44 and my wifi is 40. I earn 2 lac and wife.1.8 lac. We invest 1.8 lac montly in VPF. 25 NPS monthly. We are left with 1.8 monthly out of which 1.30 is monthly expense. 50 k we use for miscellaneous savings like FD, perents insurance etc. My wife has TATA aig 1 cr term insurance.( 1600/month). I have 25 lac term insurance. ( 5000 yearly). We also have corporate medical insurance. Pls advise on our position and corpus. No guarantee of job as we both work in IT sector. But lets say we work for another 12 months and retire. I have 1 daughter 11 years.
Ans: You and your wife have created a very strong financial foundation. Your savings discipline, high PF accumulation, controlled liabilities, and protection planning are excellent. Many families at 44 are still building stability, whereas you have already built substantial assets.

» Current Financial Position – Financially Strong
Your major positives:

PF corpus already around Rs 1 Cr
Strong monthly savings habit through VPF and NPS
Very low home loan burden
Good medical insurance coverage
Gold allocation available as additional buffer
Sukanya planning started early for daughter
Expenses are controlled compared to income

This shows high financial discipline.

» Biggest Concern – Job Uncertainty in IT Sector
Your concern is practical and valid.

Even financially strong people in IT should plan for:

Income disruption
Forced early retirement
Health or industry slowdown

Good thing is:

Your current corpus and savings rate already provide strong protection.

» Can You Retire in 12 Months?
This depends on one key factor:

Whether your current lifestyle and future goals can be supported without salary income for next 40 years.

At present:

Your daughter is only 11
Higher education and future responsibilities are pending
Medical inflation will rise sharply over time

So full retirement in 12 months may be slightly aggressive unless:

You reduce lifestyle expectations
Or create alternate income sources

» Your Retirement Corpus Direction
You already have:

PF + FD + Gold + NPS + other savings

And your monthly investments are very high.

If you continue even for another few years:

Your retirement corpus can become very substantial due to compounding and continued contribution.

» One Important Observation
You are heavily tilted toward:

PF
FD
VPF
Debt-oriented accumulation

This gives safety, but may reduce long-term inflation-beating growth.

» Improvement Needed – Equity Allocation
Your SIP of Rs 6,000 is very low compared to income and overall savings capacity.

You should consider:

Increasing diversified equity mutual fund SIP gradually
Build stronger growth-oriented retirement corpus

Because:

Inflation over next 25–30 years can reduce purchasing power significantly
Equity helps long-term growth

» Term Insurance – Important Gap
Your wife’s cover is strong.
But your personal term insurance of Rs 25 lakh is low considering:

Income level
Daughter’s dependency
Long retirement horizon

You should consider increasing your term cover.

» Emergency Readiness
Since both work in IT:

Maintain at least 2–3 years expenses in highly liquid safe assets
This protects against simultaneous job disruption

You already partly have this through FDs.

» Daughter’s Future

Sukanya investment from 2015 is a very good decision
Continue it regularly
Build separate education corpus through mutual funds also

Do not depend only on PF/FD for education goals.

» Retirement Lifestyle Reality
Your current expenses are Rs 1.3 lakh monthly.
After retirement:

Medical expenses may rise
Travel/utilities/support expenses continue
Inflation impact will be large over 25–30 years

So retirement planning should focus on:

Sustainable cash flow
Not just large corpus number

» Finally

You are financially much stronger than average families
Your discipline and asset protection are excellent
Main improvement needed is stronger long-term equity allocation
Increasing your equity SIP gradually can improve retirement sustainability
Full retirement in 12 months may be early considering daughter’s age and long life expectancy

A phased retirement or financial independence approach may be more comfortable and safer than immediate retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

...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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