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Prof Suvasish

Prof Suvasish Mukhopadhyay  | Answer  |Ask -

Career Counsellor - Answered on May 23, 2025

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
He has guided and motivated graduate and postgraduate students in science and technology to choose the right course and excel in their careers.
Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more
Sajini Question by Sajini on May 22, 2025
Career

My son got 16000 EWS rank in JEE mains. He want Chemical Engineering or ECE. Is there any chance of getting any NIT?

Ans: Yes, a JEE Main EWS rank of 16,000 does offer good opportunities for Chemical Engineering or ECE (Electronics and Communication Engineering) at various National Institutes of Technology (NITs). Specifically, he may find success in some of the higher-ranked NITs for these fields, potentially at institutions like NIT Surathkal, NIT Rourkela, or others depending on the specific cutoff trends of that year.
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Nayagam P

Nayagam P P  |10860 Answers  |Ask -

Career Counsellor - Answered on Mar 07, 2025

Asked by Anonymous - Mar 06, 2025Hindi
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Career
My son got 88.53 percentile in JEE mains 2025 Jan session EWS category, can he get admission in NIT for Chemical or Electrical?
Ans: 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.

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

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Latest Questions
Reetika

Reetika Sharma  |458 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |458 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |458 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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