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Dr Nagarajan J S K

Dr Nagarajan J S K   |2299 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jun 29, 2025

Dr Nagarajan JSK is an associate professor and former head of medical research at the JSS College of Pharmacy, Ooty.
He has over 30 years of experience in counselling students towards making the right career choices, particularly in the field of pharmacy.
As the JSS College placement officer, he has helped aspiring professionals prepare for and crack job interviews.
Dr Nagarajan holds a PhD in pharmaceutical sciences from the JSS Academy of Higher Education And Research, Mysore, and is currently guiding five PhD scholars.... more
Devika Question by Devika on Jun 29, 2025Hindi
Career

Hi sir, I got 25626 overall rank and 7000 obc ncl would i get iiser

Ans: HI
Difficult.
Career

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Ans: NIT Silchar’s Electronics & Communication program combines a robust curriculum with well-qualified faculty, modern laboratories, and active industry partnerships, ensuring strong academic foundations and hands-on learning. The campus boasts NAAC ‘A’ accreditation, Wi-Fi connectivity, dedicated E-cell, and vibrant technical societies that foster innovation and peer collaboration. Over the past three years, ECE placement rates have ranged between 62% and 78%, with recruiters from core electronics, telecom, and IT sectors regularly participating. Research opportunities in VLSI, signal processing, and IoT are supported by sponsored projects and state-of-the-art facilities. The institute maintains a supportive mentoring system and comprehensive soft-skill training through its placement cell. While Silchar’s remote location may require adjustment, its affordable fee structure, on-campus housing, and strong alumni network balance the trade-offs. Overall, the program’s balanced emphasis on theory, practical exposure, research, and career support makes it a solid choice for long-term growth in ECE disciplines.

Recommendation: NIT Silchar ECE is an excellent option for its comprehensive curriculum, consistent placement record, research focus, and supportive campus environment, making it worthwhile to accept. All the BEST for a Prosperous Future!

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Thank you for your genuine guidance sir, But she got B Tech in computer Engineering (CE) not civil engineering at Zeal college in Pune. Still will you prefer Amrita's Haridwar campus? Amrita has 10 campuses in India among which Coimbatore and Amritapuri are the oldest one where there are no seats available. Comparatively Haridwar is recently( this is first year) launched campus which is under construction. still shall we consider it above zeal? please guide me. thank you.
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Sir should I consider Amrita Vishwa Vidyapeetham newly inaugurated Haridwar Campus for B tech CSE as this will be it's 1st year. Or any other suggestions because now the admissions in most of the colleges are about to close.
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Asked by Anonymous - Aug 15, 2025Hindi
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I have debt of rs. 20lakhs which include pl and credit card bill payments and my monthly income is 28k only please suggest how to I am debt free
Ans: 1. Assess and List Out All Debts
List each loan and credit card with:
• Amount owed
• Monthly EMI or minimum payment
• Interest rate
This will help you understand which debts are costing you the most and need to be prioritized.

2. Create a Bare-bones Budget
• List your essential expenses only: rent, food, utilities, transportation.
• Allocate most of your income toward debt repayment: Many people use a “60-30-10” rule—spending 60% of income on debts, 30% on essentials, and 10% on minor needs or savings, if possible.
• Cut all non-essential expenses (entertainment, eating out, subscriptions).

3. Prioritize Payments
Pay expensive loans first: Focus on debts with the highest interest rate (usually credit cards)—this is called the Avalanche Method.
Always pay at least the minimum on all debts to avoid penalty charges or further damage to your credit score.

4. Talk to Your Lenders
Request lower interest rates or extended loan tenures. Some banks and NBFCs might offer hardship or restructuring programs.
Ask about converting credit card balances into loans with lower EMIs.
Check if you qualify for a debt consolidation loan to combine all debts into one EMI at a lower rate.

5. Explore Additional Income Sources
Take up a side job or gig: tutoring, food delivery, freelancing, weekend work, etc.
Sell unused items online.
Any extra amount should go directly to debt repayment.

6. Avoid Taking On New Debt
Don’t use credit cards or personal loans for discretionary spending.
Avoid “payday loans” or instant loans with high interest.

Sample Monthly Action Plan
Step Amount Allocated
Income (per month) ?28,000
Essentials (rent, food, etc.) ~?8,000-?10,000
Debt repayments ?16,800-?18,000+ (60%+)
Other (emergency savings) ?0-?2,000
If your current minimum payments are more than your income allows, you must negotiate with lenders, as defaulting will further hurt your financial health and credit score.

Mindset Tips
• Celebrate small wins; every rupee paid reduces your stress.
• Stick to your plan—discipline will help you get through this.
• Don’t lose hope—many have successfully cleared similar debts with patience and perseverance.

Final Note
Your current income is not sufficient to clear such a large debt in a short time. Becoming debt-free will require:
• Aggressively cutting expenses
• Increasing your income wherever possible
• Negotiating with lenders for the best possible repayment terms
Seek help when needed and stay disciplined throughout the journey.

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