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I Got 36589 Rank in COMEDK Mechanical: Which Colleges Should I Apply to?

Aasif Ahmed Khan

Aasif Ahmed Khan   | Answer  |Ask -

Tech Career Expert - Answered on Jul 26, 2024

Aasif is a mechanical engineer with 16 years of experience, specialising in maintenance, troubleshooting, planning, training and creating documents. He currently works as a manager at Rashtriya Chemical and Fertilizers Ltd in Mumbai.
Aasif is passionate about guiding students and aspiring engineers as they aim to choose the right educational paths, including courses and colleges.
He holds a bachelor's degree in mechanical engineering from the Indore Institute of Science & Technology in Indore and is currently pursuing a master's degree in thermal and fluid engineering at the Indian Institute of Technology, Mumbai.... more
Soham Question by Soham on Jun 18, 2024Hindi
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Career

Sir i got 36589 rank in comedk pls suggest best colleges for mechanical engineering

Ans: Here are some good colleges for Mechanical Engineering that you can consider, if possible make a visit to the campus.
JSS Science and Technology University: Closing Rank (2023) - Mechanical Engineering: 27,5441.
REVA University: Offers Mechanical Engineering programs as well.
Additionally, if you’re interested in exploring other options, consider checking out Thapar University and VIT Vellore, which are considered some of the best colleges for Mechanical Engineering in India outside of the IITs. These institutions provide quality education and excellent opportunities for aspiring mechanical engineers.
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Janak

Janak Patel  |62 Answers  |Ask -

MF, PF Expert - Answered on Jul 17, 2025

Money
I am 34 years old woman. Want to retire at the age of 50 years. I have 28 lacs PPF,360000 NPS, 3 mutual funds approx 60k in each. 11 lacs in PF. 2 loans - personal and car loan for 5 years. Personal loan already 1+ year gone car loan 2+ year gone.
Ans: Hi Priya,

Current Investments -
Your current investments are more (over 90%) in Debt than Equity e.g. PF (PPF+PF) = 39 lacs out total 44.4 lacs.
Debt investments like PPF/PF provide safely and security to the invested capital. But the interest rates just about help meet inflation. Growth is not achieved with these investments in the true sense.
Equity based investments like Equity Mutual Funds will provide growth in the long term (at least 5 years, and you have a good 16 years). Your current allocation is just over 6 lacs even assuming NPS as equity (check and update allocation to equity to max possible).

Loans-
Personal loans will typically have very high interest rates. This should be the first one you should try to close as early as possible. There is no point allocating any savings to investment giving less returns and paying high interest in this loan.
Car loan can continue as per schedule as its interest rate will be much less compared to Personal Loan. Unless you can prepay and close it also early, depending on your saving potential.


To retire early at age 50, you have the next 16 years to grow your corpus to a respectable amount.
I assume you are employed and contributing to PF and NPS. Hopefully you are contributing regularly to Mutual Funds also.
As income, expense and saving/investing details are unavailable I can provide some guidelines only.
Do try to maximize your monthly investment towards Equity Mutual Funds to accumulate a decent corpus for retirement.
Unless you are claiming tax benefits for PPF, consider lesser contribution to it now.
By the time you retire your Equity and Debt should be near 50% each, there by providing you safety and growth. In fact you can try to achieve higher Equity % if possible.
Overall your corpus should fetch average of over 10% returns (currently its under 8%).

Action items
1. Pay off personal loan ASAP
2. Invest maximum savings into equity mutual funds
3. Once you have done above 2, consult a CFP to help with retirement corpus - this depends on various factors, monthly expenses, life expectancy, etc.
4. Ensure you have adequate health cover. Take a topup plan with a higher coverage and lower premiums.

If you have other goals/requirements, then do discuss with CFP and arrive at a holistic plan.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...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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