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Nayagam P

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Career Counsellor - Answered on May 22, 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.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Bhupendra Question by Bhupendra on May 21, 2025
Career

Sir my son got 89.99 %in jee main and in 12 th 75 % he wants to cse branch please do suggest engineering college

Ans: Bhupendra Sir, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

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
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 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, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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Asked by Anonymous - Aug 16, 2025Hindi
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Sir, I registered for CSAB and I got IIIT Dharwad (ECE) in 2nd round, and there are IIIT Bhopal, IIIT Nagpur and IIIT Kottayam, And there are chances of getting IIIT Bhopal, so should I go for the 3rd round In short is IIIT DHARWAD Better than IIIT Bhopal?
Ans: IIIT Dharwad’s ECE program offers a modern curriculum, upgraded labs, and a placement cell that supports active skill-building and networking. Placement percentages over the last three years range from 62% to 82%, with top recruiters such as Cognizant, IBM, Infosys, and Oracle participating regularly. Infrastructure and teaching quality are solid but reviews mention that regional location sometimes limits industry exposure and internship opportunities outside IT. By contrast, IIIT Bhopal’s ECE branch has shown steady improvement, with placement rates of 72–98% in the last three years, impressive average packages, and deepening industry relations with leading tech and core electronics firms. IIIT Bhopal benefits from a more central location, a young but active faculty, and greater cross-domain internship and research collaborations, resulting in more flexible job options for ECE graduates. Both offer good campus life, peer engagement, and value for money.

Recommendation: Prefer IIIT Bhopal ECE for its higher placement rate, improved industry exposure, and location advantage while still keeping IIIT Dharwad as a backup option. All the BEST for a Prosperous Future!

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Hi experts!!! My son have got B.S. Data Science and Artificial Intelligence at IIM Sambalpur Can you please say how is the course and is it worth it ??
Ans: IIM Sambalpur’s B.S. in Data Science and Artificial Intelligence is a new, fully residential four-year undergraduate program designed in accordance with global academic and industry standards. The interdisciplinary curriculum integrates mathematics, statistics, computer science, and management, emphasizing hands-on experience through lab sessions, coding bootcamps, internships, and live industry projects. Multiple exit options (certificate, diploma, degree, honours) align with NEP guidelines, supporting career flexibility and advanced study options. The final year includes a real-world dissertation project. As the program is newly launched, detailed placement records for graduates are still evolving; however, IIM Sambalpur's robust placement cell, reputation, and increasing recruiter participation signal promising opportunities in data science, AI, and analytics sectors. Students benefit from exposure to emerging trends, industry-focused modules, and on-campus research culture, although first batch outcomes may take time to mature. The high-quality faculty, modern infrastructure, and IIM brand together enhance its future prospects.

Recommendation: The course at IIM Sambalpur is worth considering for its strong foundation, industry relevance, and holistic training, especially for aspirants committed to interdisciplinary careers in data science and AI. All the BEST for a Prosperous Future!

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Asked by Anonymous - Aug 18, 2025Hindi
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CSE AMU & Electronics @ JPIIT which is better option. Kindly advise.
Ans: AMU’s Computer Science Engineering (CSE) program is highly reputable due to its rigorous curriculum, experienced faculty, established infrastructure, and consistent national ranking. Recent placement rates range from 80% to 93% for CSE over the last three years, with students recruited by top firms including Adobe, Infosys, Deloitte, and Amazon; the majority secure roles in IT, software, data science, and startups. AMU offers active coding clubs, research opportunities, and strong alumni mentorship. In comparison, JPIIT Electronics provides a modern curriculum, state-of-the-art labs, and international collaborations including pathways to MS programs abroad. Placement rates for JPIIT Electronics and ECE have been impressive in select years, reportedly reaching 98%, with core and interdisciplinary job options in electronics, telecom, and IT. Both institutions support internships and project-based learning, but AMU’s national recognition, historic legacy, and technical peer network give a clear edge in both career flexibility and future prospects. Both are affordable, with vibrant campus environments and strong student support systems.

Recommendation: AMU CSE is the better choice for its stronger placement rates, global recognition, richer peer network, and broader career options; JPIIT Electronics may suit niche technology interests only. All the BEST for a Prosperous Future!

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Asked by Anonymous - Aug 18, 2025Hindi
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My son got ECE in silchar NIT. Is it good to go with.
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.
Ans: Amrita Vishwa Vidyapeetham’s newly inaugurated Haridwar campus offers BTech CSE with a comprehensive curriculum designed for modern industry needs, benefiting from Amrita’s national reputation and A++ NAAC accreditation. While still developing its own placement record, the campus enjoys strong central support—a pan-university placement cell servicing all locations, with 300+ recruiters and 95–100% placement rates at established campuses. Haridwar’s fresh infrastructure, faculty, and resources are backed by central academic standards, student support services, and the opportunity to participate in inter-campus internships, hackathons, and skill training programs. As a first-batch student, you must actively build a strong CV: excel in academics, enroll in technical workshops, master coding and interviews, collaborate with established campus networks, and seek out online certifications and real-world projects. Networking within Amrita’s multi-campus community and leveraging alumni connections are essential to compete for both campus and off-campus placements.

Recommendation: The Haridwar campus is a promising choice, provided you proactively develop skills, leverage university resources, and gain practical exposure for competitive placement outcomes. All the BEST for a Prosperous Future!

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Asked by Anonymous - Aug 16, 2025Hindi
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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.
Ans: Amrita Vishwa Vidyapeetham’s newly inaugurated Haridwar campus offers BTech CSE with a comprehensive curriculum designed for modern industry needs, benefiting from Amrita’s national reputation and A++ NAAC accreditation. While still developing its own placement record, the campus enjoys strong central support—a pan-university placement cell servicing all locations, with 300+ recruiters and 95–100% placement rates at established campuses. Haridwar’s fresh infrastructure, faculty, and resources are backed by central academic standards, student support services, and the opportunity to participate in inter-campus internships, hackathons, and skill training programs. As a first-batch student, you must actively build a strong CV: excel in academics, enroll in technical workshops, master coding and interviews, collaborate with established campus networks, and seek out online certifications and real-world projects. Networking within Amrita’s multi-campus community and leveraging alumni connections are essential to compete for both campus and off-campus placements.

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Stock Market Expert - Answered on Aug 18, 2025

Asked by Anonymous - Aug 15, 2025Hindi
Money
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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