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Can I get Mechanical or Electrical branch in DTU/NSUT with 93.55 percentile in JEE Mains (Delhi, General)?

Nayagam P

Nayagam P P  |5572 Answers  |Ask -

Career Counsellor - Answered on Mar 07, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
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Aryan Question by Aryan on Mar 06, 2025Hindi
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I am getting 93.55 percentile in jee mains session 1 2025. Is there any chance I can get mechanical or electrical branch in dtu or nsut. I am from general category with Delhi state domicile. Someone pls tell

Ans: Aryan, Apart from JoSAA Counselling Process, you can also participate in JAC-Delhi Counselling Process which I hope you might be aware of.

Now, coming to your Question.

How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

After the result of January JEE-Session is declared, RediffGURU has been getting standard questions from Students & JEE Applicants regarding the eligibility for particular Institute (NIT or IIIT or GFTI etc.) based on their Percentile scored, their Category, their preferred Branch & their Home State.

Providing information for each JEE Applicant based on these factors can be challenging. Some of the reputed Education based websites provide 'College Predictor' facility. Though you can check the same with your percentile based on your category etc., I would suggest all of you the following steps to know the chances of getting the Institute / Branch, based on last year's data. Please note, you will get a fair idea based on the last year's data (not an accurate idea). Now, here are the simple and most effective steps:

STEP 1: Note down your percentile, category, institute types preferred (NIT, IIIT or GFTI), preferred locations or you are ready for any location in India, Academic programs you prefer (list out minimum 3 programs you prefer as back-ups, instead of relying only one program) & the most important factor is your Category (General-Open or SC or SC (PwD) or OBC-NCL (PwD) or EWS (PwD) or Open (PwD) or ST or EWS or OBC-NCL?)

STEP 2: Convert your Percentile into Rank, the formula for which is available in Google.

STEP 3: Just type in Google, 'JoSAA Opening & Closing Ranks 2024'. Click the 1st Result. You will land directly into the JoSAA's Website that too into the window where you can put the inputs based on what you have noted down in STEP 1 Above.

STEP 4: 1st it asks for Round Number as around 5 rounds are held in JoSAA's Counselling Process. I suggest you, choose the 4th Round option on safer side.

STEP 5: Choose the Institute Type (NIT or IIIT or GFTI). If you are ready for all, better to go one-by-one.

STEP 6: As far as the Institute Name also (based on location), I suggest you to go one-by-one (institute) based on your preference (Avoid Choosing ALL to avoid confusion).

Choosing one-by-one will take time, but recommended.

STEP 7: Fill in the Academic Program (based on in your order of preference one by one).

STEP 8: After choosing the right options, applicable to you, click SUBMIT button.

You will get a detailed list of opening and closing ranks, based on your options chosen

STEP 9: Now start noting down the Opening & Closing of Each Institute & Each Branch you preferred in your Dairy or note-book for quick reference when you participate in JoSAA Counselling.

STEP 10: MOST IMPORTANT: Write 2 different columns for Opening & Closing Ranks in your dairy for each Institute. On SAFER SIDE, consider the Opening & Closing Ranks litter lesser than that of 2024 as the same fluctuates every year but not significantly.

Let me explain with an example. You have filled in as follows. Round 4 | NIT | NIT-Delhi | Mechanical Engineering | OPEN Category, the output of which shows Opening & Closing Ranks as '8622 & 26186' for HOME STATE Open Category. You should consider as / change to '8300 & 23000' (on a safer side). Let us take into consideration the Female Category for the same. Opening & Closing Rank shows '34334 & 36212'. You change it to '31000 & 33000' (on a safer side). Based on this example, you can change accordingly for OTHER STATES & your Category.

As already mentioned, Opening & Closing Ranks vary every year but not significantly, as such, suggested to change the same to lesser number and note down in your diary or in a separate note-book for quick reference while participating in JoSAA's Counselling Process.

You can follow the same steps for your JEE-April session & JEE-Advanced too.

Hope, you have thoroughly understood the above explained in a very simple and very easy-to-understand language.

If time permits to know about the JoSAA's Counselling Process, please watch one of the 180 Videos of EduJob360 on 'JoSAA Counselling Process', Engineering Entrance Exams & Preparation Strategies for the same.

All the Best for Your Son's Prosperous Future.

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Ramalingam

Ramalingam Kalirajan  |8617 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 31, 2025

Asked by Anonymous - May 31, 2025
Money
Sir, I am 57 years old and working in a private company with salary of Rs.81,000/month. I have purchased three Max life life gain-20 policy insurances each with Rs. 50000 premiums for 6 years pay (Total Rs.9 Lakhs) (2012-2018). Purchased policy of one-time lumpsum LIC Jeevan shanti pension plan for Rs.10 Lakhs and the 1st annuity payment of Rs. 10,054/month starts from year 2029. Also invested Rs. 8 Lakhs in Post office pension plan of 5 years which I am continuing it every 5 years where i get nearly Rs.5000/month. I have one more Max life guaranteed monthly income plan of 6 pay premium of 1,15,458/year which is completed in 2018 and started getting pension for first five years Rs.5000/month and then from 6th year getting Rs.9400/month pension. It will end in 2029. Now I have purchased in HDFC Guaranteed Pension Plan for Rs. 10 Lakhs for 5 five years with premium of Rs.2 Lakhs per year where I have paid 1st premium in 2024. This will give annuity of Rs. 94,599/year i.e, Rs.7883/month after 6 years (year 2029 onwards). I have FDs of Rs. 21 Lakhs which I am renewing it every year which I cannot touch as it is meant for my 2 children. My monthly expenditure is Rs.35,000 since I am staying small city. Please suggest me how can I manage to get a monthly pension of Rs. 40,000 when I quit the job at the age 61 (year 2029). Thank you
Ans: You have made many thoughtful financial decisions. Let us now work together to align your investments to ensure a regular income of Rs. 40,000 per month from age 61 (year 2029).

Here is a 360-degree detailed plan structured under clear sub-headings, as per your request.

 
1. Understanding Your Current Situation

Your age is 57. You have 4 more working years.

 

Your current income is Rs. 81,000 per month.

 

Your monthly expenses are Rs. 35,000. You are financially disciplined.

 

You already have pension sources planned post-2029.

 

You do not want to touch your Rs. 21 lakh FD corpus. It is for your children.

 

Your goal is to generate Rs. 40,000/month from age 61. You seek certainty and consistency.

 

You have invested in both insurance and pension products. Most are non-market linked.

 
2. Summary of Pension Flows from 2029

Let’s break down what income you are expected to receive starting 2029:

 

LIC annuity: Rs. 10,054 per month

 

Post Office pension: Rs. 5,000 per month (if continued)

 

Max Life Guaranteed Monthly Income Plan: Rs. 9,400 per month (till 2029, so not helpful after)

 

HDFC Pension Plan: Rs. 7,883 per month

 

Total confirmed pension starting 2029: Rs. 22,937 per month

 

Gap to reach Rs. 40,000 per month: Rs. 17,000 approx.

 
So, we need to plan how to fill this Rs. 17,000 shortfall.

 
3. Insurance Policies Review

You have 3 traditional Max Life Life Gain-20 plans. Total premium: Rs. 9 lakhs.

 

These are low return, low flexibility products.

 

They are mostly insurance-cum-investment products.

 

Such plans yield 4% to 5% returns over long term. Not ideal for income generation.

 
Suggestion: You have already completed all premiums. It is not advisable to surrender them now. You can wait for maturity. Then, reinvest maturity amount in mutual funds for monthly income.

 
4. Gaps in Income from 2029

Let us now build strategy to generate extra Rs. 17,000 per month post 2029.

 

You have 4 more years before retirement. These are crucial for wealth building.

 

Let us identify available surplus each month. Your income is Rs. 81,000. Expenses are Rs. 35,000.

 

That gives you Rs. 46,000 monthly surplus.

 

From this, set aside some amount for emergency fund and health cover.

 

You can still invest Rs. 30,000 per month comfortably.

 

This amount can be channelised into high-growth investments.

 
5. Investment Strategy Before Retirement

The focus is to build an income-generating portfolio.

 

Allocate Rs. 30,000 per month into equity mutual funds.

 

Prefer actively managed mutual funds. Avoid index funds. Index funds are average performers.

 

Actively managed funds give flexibility and can outperform index. Especially with expert guidance.

 

Invest through regular plans with support of a Mutual Fund Distributor who is also a Certified Financial Planner.

 

Regular plans offer ongoing tracking and guidance. Direct funds lack personalised service.

 

At this age, you need guidance more than saving few rupees on commissions.

 

Use combination of Large Cap, Flexi Cap and Balanced Advantage Funds.

 

These funds suit your risk profile and retirement timeline.

 

Continue SIPs till 2029. Build corpus.

 

From 2029, use SWP (Systematic Withdrawal Plan) for monthly income.

 

This can generate the extra Rs. 17,000 you need.

 
6. SWP Strategy for Post-Retirement Income

SWP (Systematic Withdrawal Plan) is ideal for retirement income.

 

You can redeem small fixed amounts monthly.

 

Your money remains invested and continues to grow.

 

This provides regular income + capital appreciation.

 

SWP is more tax-efficient than interest income.

 

With mutual fund taxation, long-term capital gains up to Rs. 1.25 lakh is tax-free.

 

Above this limit, taxed at only 12.5%.

 

Plan withdrawals in such a way to remain tax-efficient.

 

This gives much better returns than traditional pension plans.

 
7. FDs for Children – Do Not Touch

You have Rs. 21 lakhs in FDs for children. This is a wise allocation.

 

Do not disturb this amount.

 

Just keep renewing annually.

 

If needed, reinvest maturity into debt mutual funds for better returns.

 

But ensure the capital remains safe.

 
8. Other Points to Consider

Review health insurance. Ensure Rs. 10 lakh individual health cover.

 

Also have Rs. 25 lakh family floater cover if dependents exist.

 

Medical costs rise faster than inflation. Health cover is crucial.

 

Keep emergency fund of Rs. 2 lakhs in savings account or liquid funds.

 

Avoid new insurance policies. Focus on wealth creation, not insurance.

 

Avoid annuity products. They offer low returns and lack flexibility.

 

Annuities are taxed fully. Mutual funds are more tax-friendly.

 
9. Timeline and Action Plan

From 2025 to 2029:

 

Invest Rs. 30,000 per month in mutual funds.

 

Review portfolio every 6 months with Certified Financial Planner.

 

Avoid investing in new endowment or pension plans.

 

Build corpus of at least Rs. 22 lakhs to generate Rs. 17,000 monthly post 2029.

 
From 2029 onwards:

 

Use pension income from LIC, Post Office, HDFC plan.

 

Use SWP from mutual fund corpus to get additional Rs. 17,000 per month.

 

Review income annually. Adjust SWP amount as per inflation.

 
10. Asset Allocation Recommendation

Ideal mix for your age and goals:

 

50% Equity Mutual Funds (growth + income via SWP)

 

30% Pension sources (LIC, HDFC, PO schemes)

 

20% Emergency and FD funds (untouched)

 
11. Retirement Income Taxation Insight

Annuity income is fully taxable.

 

SWP income is tax-efficient. Long term capital gains up to Rs. 1.25 lakh is tax-free.

 

Income from mutual funds can be managed to stay within tax slabs.

 

FDs also fully taxable. Use cautiously.

 
12. Final Insights

You are on the right track. You have created solid pension base.

 

Only gap is Rs. 17,000 per month from 2029.

 

This gap can be filled by building equity mutual fund portfolio in next 4 years.

 

Mutual funds offer growth, flexibility and tax-efficiency.

 

Avoid further insurance products. They are not meant for income generation.

 

Track expenses post retirement. Adjust lifestyle if needed.

 

Review investments annually with Certified Financial Planner.

 

Do not go for risky products or unregulated schemes.

 

Stay disciplined. Follow the plan. You will reach your goal peacefully.

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

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Nayagam P

Nayagam P P  |5572 Answers  |Ask -

Career Counsellor - Answered on May 31, 2025

Career
Sir i got ECE(Embedded systems) with an minor course of artificial intelligence and machine learning in VIT-AP under fee category 1 is it is good course to join and can we get good packages with that course
Ans: VIT-AP’s ECE (Embedded Systems) with a minor in AI/ML under Category 1 fees is a strong choice, blending core electronics with cutting-edge AI applications. The program offers ABET-accredited coursework covering ARM architecture, FPGA design, IoT, and real-time operating systems, complemented by AI/ML modules like Python, neural networks, and data analytics. Labs feature NVIDIA Jetson Nano kits, ARM Cortex-M boards, and industry tools (TensorFlow, MATLAB), ensuring hands-on expertise in embedded-AI integration. While core ECE roles (embedded developer, IoT engineer) are prioritized, the AI/ML minor enables transitions into AI-driven robotics, automotive systems, or industrial automation. VIT-AP’s 95% placement rate (2024) for ECE includes recruiters like Intel, Bosch, and Samsung for embedded roles, while TCS/Infosys hire for AI/ML-adjacent IT positions. The curriculum’s 30+ industry projects (e.g., drone navigation using ML) enhance employability, though niche AI roles may require certifications (NVIDIA DLI, AWS ML). Category 1’s lower fees (?7.8L tuition) make it cost-effective, but ensure proactive skill-building via hackathons and research papers to leverage hybrid ECE-AI opportunities. All the BEST for your Admission & a Prosperous Future!

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