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Can I apply using general category after getting a percentile through SC category?

Rajesh Kumar

Rajesh Kumar Singh  | Answer  |Ask -

IIT-JEE, GATE Expert - Answered on Apr 02, 2025

Rajesh Kumar Singh is a mining engineer with 28 years of work experience.
During his career, he has served as the head of the mining department and as vice president of Balasore Alloys. He is currently a visiting professor at Mewar University where he teaches BTech students.
Rajesh Kumar topped his batch in BTech mining from BIT, Sindri.
A gold medallist, he has cracked the GATE (Graduate Aptitude Test in Engineering) twice -- in 1993 and 1994 -- with an All India Rank of 14 in 1994.
He has also cleared the Indian Institute of Corporate Affairs (IICA) Independent Director Test.... more
Asked by Anonymous - Apr 02, 2025Hindi
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after getting a percentile through SC category can the same student apply through general category with same score in jee.....

Ans: I don't think, see prospectus
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I got 91.5699134 percentile in jee mains session 1 ..am i eligible for jee advanced general catagory
Ans: Ritam,
Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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Ans: Shailesh, before addressing your question, I strongly recommend completing a comprehensive psychometric assessment to identify the most suitable career options aligned with your aptitude, interest inventory, personality characteristics, and professional orientation style preferences. However, here are alternative options beyond Biotechnology, Microbiology, Life Science, and Genetics: (1) Environmental Science/Environmental Engineering, (2) B.Pharmacy, (3) Forensic Science, (4) Food Technology/Food Engineering, and (5) Agricultural Science/Agricultural Engineering/Horticulture. Please note that according to an article published in The Times of India's Republic Day Supplementary Special Edition yesterday, "India's food processing sector is experiencing significant growth, with processed food exports now representing 20.4% of agri-food exports, an increase from 13.7% in 2014-15. The market, valued at USD 354.5 billion, is expanding rapidly as startups innovate in ready-to-eat and nutrient-fortified products. Growing consumer demand for convenient, health-oriented foods creates substantial entrepreneurial opportunities and diverse career pathways." All the BEST for a Prosperous Future!

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Nayagam P

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am a dropper candidate and will be appearing for JEE Advanced 2026. I seek clarification regarding my Class XII eligibility under the top 20 percentile criterion. I passed the Maharashtra HSC Board examination in February with an overall percentage of 70%. For eligibility under the top 20 percentile rule, the required aggregate for my board is 368 marks, whereas I obtained 358 marks in the February examination. Instead of appearing for all subjects again, I appeared for Marathi as an isolated subject in the June examination conducted by the same Maharashtra HSC Board, in which I secured 86 marks. With this, my total aggregate becomes 374 marks, which meets the top 20 percentile requirement. Currently, I have two marksheets: - February Marksheet: English – 77, Physics – 56, Chemistry – 77, Mathematics – 58 , IT – 97 Aggregate: 358 marks - June Marksheet (Isolated Subject): Marathi – 86 My query is: 1. Should both marksheets be combined and uploaded as a single PDF during document verification? 2. Or will the Maharashtra Board issue a merged / updated final marksheet, and will that merged marksheet alone be considered valid for JEE Advanced eligibility?
Ans: Kartik, I hope you have completed the JEE Main 2026 January session examination and reviewed your performance against the available answer keys to assess your preliminary JEE Advanced eligibility prospects. Regarding your eligibility question, please note that the isolated Marathi marksheet from the Maharashtra State Board is fully valid for JEE examination purposes. Both your February and June examination marksheets hold equal validity. I recommend requesting an updated aggregate certificate from the Maharashtra Board, or alternatively, combining both marksheets into a single consolidated PDF file for the document verification process. Your eligibility will not be questioned if you maintain comprehensive, proper documentation throughout the verification process. I strongly suggest exploring 4-5 backup options through alternative engineering entrance examinations such as MHT-CET, SET-E, COMEDK, Amrita's, MET, VITEEE etc., rather than relying exclusively on JEE as your sole pathway. Additionally, if possible and affordable, I encourage you to attempt a comprehensive psychometric assessment to identify the most suitable career options aligned with your aptitude, interest inventory, personality characteristics, and professional orientation style preferences. All the BEST for a Prosperous Future!

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Ans: 01. What I can suggest is that an individual who is not expert with Equity Market should avoid over exposure to investments in this segment. In cases like this, I would suggest to make your investments in MUTUAL FUNDS instead. You may consider shifting from Equity to Mutual Funds, in phased manner.
Investment in precious metals (Gold & Silver) is very attractive today. It may continue to be so till International environment/conditions are uncertain or unpredictable. Present indication does not support stable International economies, so I feel strongly, that precious metals may keep an upward trend. But shifting all your funds to this segment is again not advisable. Keep your investment portfolio diversified, keeping some percentage of your investments in easily liquid conditions.
Real Estate is also another good option, but small funds cannot be parked in this segment.
Most Welcome for further clarifications, if any. Thanks.

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Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2026

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If I have 1 crore financial crisis how I pay if i get one crore
Ans: You are thinking responsibly. Asking this question itself shows maturity and awareness. A sudden Rs 1 crore inflow during a financial crisis can solve the problem, only if it is handled with clarity and discipline.

» First understand the nature of the Rs 1 crore
– Is this money received as inheritance, insurance claim, bonus, business sale, or asset liquidation
– Is the crisis short-term (medical, business loss, job loss) or long-term (debt overload, income mismatch)
– Do not rush to use the full amount immediately

Clarity first, action later.

» Priority-based usage of the Rs 1 crore
– Medical emergencies should be settled immediately
– High-interest personal loans and credit card dues should be cleared first
– Business or income-stopping issues should be stabilised next
– Do not deploy money emotionally or under pressure

The aim is stability, not quick fixes.

» How to pay liabilities smartly
– Clear unsecured and high-cost debts fully
– Avoid closing long-term low-cost loans in one shot
– Keep sufficient liquidity for next 12 months
– Do not exhaust the full Rs 1 crore at once

Liquidity gives confidence during crisis.

» Protection before investment
– Ensure adequate health insurance is active
– Ensure sufficient pure life insurance cover
– Emergency fund must be parked safely

Without protection, another crisis can repeat.

» Where not to put this Rs 1 crore
– Do not put entire amount in equity at one time
– Do not chase high-return promises
– Do not lock full money in illiquid products
– Do not mix insurance and investment

Safety first, growth later.

» How to deploy the balance amount
– Keep part of money in low-risk instruments for stability
– Invest remaining amount gradually into equity-oriented options
– Use phased investing instead of lump sum
– Choose actively managed funds due to flexibility and downside control

Active management matters more during uncertain times.

» Tax awareness while using the money
– If you sell investments to manage crisis, tax may apply
– Equity short-term exits attract higher tax
– Plan withdrawals in a tax-aware manner
– Avoid unnecessary churn

Taxes silently reduce available money.

» Emotional discipline during crisis
– Crisis creates fear-based decisions
– Money received suddenly can disappear fast without plan
– Write down priorities before spending
– Review every big payment calmly

Money solves crisis only when mind is steady.

» Finally
– Rs 1 crore is a powerful support, not a permanent solution
– Use it to restore stability, not lifestyle
– Protect, stabilise, then grow
– A structured plan converts crisis money into long-term security

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |10997 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2026

Asked by Anonymous - Jan 26, 2026Hindi
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Dear Sir, I do have decent exposure to Mutual fund investments, I am doing SIPs since 8-9 years however I am really clueless about future of Quants funds. I started SIPs in Quant Small and Mid fund from June 2024, both funds are in negative, appreciations are -8% and -15% respectively. I have Mid fund's SIP. Looking forward to you what to next, shall I continue Small Cap's SIP and keep Mid Cap in AMC for future appreciation or withdraw the fund.
Ans: You have done well by staying invested for 8–9 years. That itself shows discipline and patience. Temporary negative returns can shake confidence, but they do not erase your long-term effort. Your question is valid and many long-term investors are thinking the same.

» Understanding what is happening now
– You started these SIPs only from June 2024
– The investment period is still short
– Mid and small segments are more volatile
– Recent market corrections have hit these segments more

Negative returns in the first 1–2 years are not unusual in such funds.

» About strategy-driven funds and future visibility
– These funds follow a fast-changing investment style
– They may move sharply up and down
– Performance comes in phases, not steadily
– When the market does not suit the strategy, returns can stay weak

This does not mean the strategy has failed, only that the cycle is not supportive right now.

» Evaluating your small-cap SIP
– Small-cap investing needs long holding capacity
– Minimum useful horizon is 7–10 years
– SIPs during weak phases help lower average cost
– Stopping SIP after a fall usually hurts future returns

If this SIP is meant for long-term goals, it should continue.

» Evaluating your mid-cap investment
– Mid-cap funds usually recover faster than small caps
– Holding without SIP still allows recovery participation
– No urgency to exit just because current returns are negative
– Selling now converts temporary loss into permanent loss

Holding patiently is better than reacting emotionally.

» Should you withdraw now
– Withdrawing after recent decline locks in loss
– You miss recovery when the cycle turns
– Taxes may also apply depending on holding period
– Decision should be goal-based, not return-based

Exit only if the fund no longer fits your goal or risk level, not due to short-term pain.

» What you should do instead
– Continue SIP in small-cap if goal horizon is long
– Keep mid-cap investment and review annually
– Avoid frequent switching based on 6–12 month returns
– Ensure these funds are not too large a part of total portfolio

Balance and patience matter more than timing.

» Risk control and portfolio view
– Mid and small caps should not dominate portfolio
– Large and flexible equity styles add stability
– Debt and gold bring balance during equity stress
– Asset allocation should guide decisions, not fund performance

A calm structure reduces future stress.

» Tax angle to remember if you sell
– Equity selling within short term attracts higher tax
– Long-term gains above Rs 1.25 lakh are taxable
– Unplanned exits increase tax leakage

Tax should not be the main reason to stay or exit, but it must be considered.

» Finally
– Your investing habit is strong
– Current underperformance is a phase, not a verdict
– Staying invested usually rewards patience
– Review with a clear goal lens, not daily NAV movement
– Long-term wealth is built by staying calm during such periods

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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