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OBC candidate with 90.32 percentile in January JEE Main: What colleges can I get in Himachal Pradesh?

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |302 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 25, 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
Asked by Anonymous - Mar 25, 2025Hindi
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Sir I got 90.32 percentile in jan I'm obc candidate and having home state quota of Himachal pradesh what best can I get in this

Ans: Hi,
With a 90 percentile in JEE 25, you can secure admission in Hamirpur, Durgapur, or Agartala.

POOCHO. LIFE CHANGE KARO!
Asked on - Mar 26, 2025 | Answered on Mar 27, 2025
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Which branch will I get in nit hamirpur obc and homestate with 90.328 percentile
Ans: Hi, as you know very well, without the ranking, how can we say for sure? So.......
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Nayagam P

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Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 24, 2025Hindi
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What best I can get with 98.98 percentile in JEE Mains ? Category - Gen-EWS , Rajasthan
Ans: Congrats for Scoring 98.98 percentile in your JEE-Mains. Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main 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 (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.

If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants.

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

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

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Rajesh Kumar

Rajesh Kumar Singh  |273 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Mar 24, 2025

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Ramalingam

Ramalingam Kalirajan  |8160 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 28, 2025

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One crore will you please let me know if there are any investment plans or instruments that will provide a guaranteed 12% to 15% annual return? In addition, I currently have 25 lacs invested in three products that have underperformed over the past four months: the ICICI Pru Nifty Auto Index fund, the Nippon Indian Nifty 50 Value 20 Index fund, and the UTI Nifty 200 Momentum 30 Index fund. Would you kindly encourage me to stick with these index funds? Or would you suggest selling these investments and reinvesting the money in a better mutual fund scheme?
Ans: No investment can guarantee a 12-15% return per annum.

High returns come with high risk.

Fixed-income products offer stability but lower returns.

Equity investments can give high returns, but they are not guaranteed.

If someone promises guaranteed double-digit returns, it's a red flag. Be cautious.

Assessing Your Index Fund Investments
You have invested in three index funds. These funds track specific indices, so they cannot outperform the market.

Disadvantages of Index Funds:
They lack active management. No expert is handling your money actively.

They follow the market blindly. If the market falls, your investment falls too.

They miss strategic opportunities. A fund manager cannot remove weak stocks.

Market timing is crucial. Since they follow indices, they cannot adjust to volatility.

They do not generate alpha. Actively managed funds aim for better returns.

Your investments in ICICI Pru Nifty Auto, Nippon Nifty 50 Value 20, and UTI Nifty 200 Momentum 30 have underperformed. This is because:

Auto stocks may be in a downtrend.

Value funds perform better in different market cycles.

Momentum funds depend on short-term trends.

These funds are passive, meaning they cannot adapt to market changes.

Should You Continue or Exit?
If you want higher returns, move to actively managed funds.

If you are okay with market-average returns, stay in index funds.

Based on your goal of 12-15% return, it is better to exit these index funds and shift to:

Actively managed flexi-cap funds for diversification.

Mid-cap and small-cap funds for higher growth potential.

A mix of sectoral/thematic funds based on strong future prospects.

How to Invest Your Rs. 1 Crore?
Since you expect high returns, you need a strategic mix.

1. Equity Mutual Funds (60-70%)
Invest in actively managed funds through an MFD with CFP credentials.

Diversify across large-cap, mid-cap, and small-cap funds.

SIP + STP strategy will reduce risk and maximize gains.

2. Debt Instruments (20-30%)
Debt funds can stabilize your portfolio.

Consider short-duration debt funds for lower risk.

3. Alternative Investments (10-20%)
Some exposure to gold ETFs or international funds is good.

Avoid real estate since it lacks liquidity.

Final Insights
Avoid index funds if you want high returns.

Exit underperforming index funds and switch to actively managed funds.

Diversify your Rs. 1 crore into equity, debt, and alternative options.

Do not chase guaranteed returns. Instead, focus on risk-adjusted returns.

Choose actively managed funds through an MFD with CFP credentials to get professional guidance.

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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