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Radheshyam

Radheshyam Zanwar  |2599 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 05, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Rohan Question by Rohan on May 05, 2025
Career

Sir , i got 95.5 percentile in JEE mains , which is 67000crl and 20000obc. i think i might not be able to crack jee advance. i have also written vitee and got 18000 rank. I am also writing bitsat. I am interested in mechanical and electrical field . which college should i choose among GFTIS like BIT mesra, VIT, Bits pilani and north east nits for me to have a good career. or should i repeat and try to aim to getter a bttr jee main and advance rank

Ans: Hello Rohan
Congratulations on clearing the JEE (M). Underestimating yourself regarding any examination is not the proper approach towards the goal you have set. Appear for the JEE (A) without fear and without any expectations for the result. You will gain admission to BITS if you meet the required cutoff in BITSAT. You have two options: electrical or mechanical. Both branches have their own merits. You need to choose which field you wish to work in the future. If you are willing to go to the newly formed NITs in the North-East regions, then prefer that option. Choosing between GFTIs, BIT Mesra, or VIT can be somewhat confusing. You did not mention your hometown, so I am unable to guide you properly. However, to choose among these three options, prioritize GFTIs if possible. Considering a repeat attempt at the JEE is generally not recommended. Yet, if you have the patience and full confidence to succeed in both JEEs, then you may consider repeating. Best of luck with your upcoming BITSAT examination. Last suggestion: among the two options, Mechanical and Electrical, choose Electrical if possible. You can either pursue a job or start your own business in the energy sector.
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Radheshyam
Asked on - May 05, 2025 | Not Answered yet
Thank you sir, I am from kerala, i am not to keen on choosing north east nits as they are new and developing, right now, i am choosing btw vit or bit mesra and also hoping to get a good rank in bitsat . if i were to get bits , should i choose it over vit and bit mesra, or is there any other colleges that i may be missing on

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Nayagam P

Nayagam P P  |5627 Answers  |Ask -

Career Counsellor - Answered on May 06, 2025

Career
Sir , i got 67000crl rank and 20000obc rank in jee mains . I also got 18000 rank in vit. I am also going to write cusat, met and bitsat , i think i might not crack jee advance . i am hoping to pursue mechanical or electrical, Could sir kindly tell me its scope. From my current options which college should i choose among GFTI,s North east nits, VIT, MET, BITSAT for me to develop a good career
Ans: Rohan, considering your JEE performance, disregard BITSAT as it requires a minimum score of 250 out of 390 for admission into Mechanical Engineering or Electrical branches. Designate CUSAT as your primary selection if your Home State is Kerala and you qualify for OBC Category consideration. Compile a list of 4-5 esteemed colleges affiliated with CUSAT that possess commendable placement records. Secondly, prioritize GFTIs and North East NITs over alternatives such as VIT and MET. Regarding GFTIs and NITs, it is prudent to examine the placement records of the past three years and assess them prior to selecting preferences in JoSAA. Consider MET as your final alternative. Here is a step-by-step guide for predicting your chances of admission into NIT, IIIT, or GFTI following the JEE Main results.

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 both Home State (HS) i.e. State you belong to & also Other State (OS).
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, separately for HS & OS Categories for a quick reference.
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!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8633 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - Jun 02, 2025
Money
Hi Sir, I have inherited 6-8 lakhs. I am a freelancer and have 3 yr son. I want a monthly income plus want the money to grow. Please guide.
Ans: You are taking a responsible step for your financial future and your child’s well-being. Let us now explore a 360-degree financial action plan for you. This plan will help you get regular income while growing your money steadily.

Let’s begin with a clear and simple approach.

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Know Your Core Financial Needs

You need a regular monthly income. You also want growth for the future.

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Your investment must support you now. It must also secure your child’s future.

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Your capital must be safe. It should not be locked or misused.

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You must stay protected from sudden financial shocks.

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This needs careful planning. You cannot take random investment decisions.

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Understand the Money You Have

You received Rs. 6 to 8 lakhs as inheritance.

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This is a one-time opportunity. You must treat it with care and purpose.

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As a freelancer, your income is variable. So, stability is very important.

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You should use this corpus to balance risk, income, and growth.

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This money should reduce your stress. It should not become another pressure.

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Split the Money Into Two Buckets

Use Bucket 1 for monthly income. This is your stability base.

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Use Bucket 2 for long-term growth. This is for your child and future.

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For example, from Rs. 8 lakhs, keep Rs. 3 lakhs in Bucket 1.

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Keep Rs. 5 lakhs in Bucket 2 for growth.

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Do not mix both buckets. Use each with full clarity.

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Build Monthly Income (Bucket 1)

Put Rs. 3 lakhs in low-risk income options.

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Choose options that give monthly income without capital loss.

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You can consider options like short-term mutual funds through a Certified Financial Planner.

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Use systematic withdrawal plan (SWP) to get regular monthly income.

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Avoid using dividend options. They lack predictability and control.

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Avoid annuity products. They block your capital and give low returns.

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Keep money in SWP with a 3–5 year view. Review it every year.

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Grow Money for Your Child (Bucket 2)

Use Rs. 5 lakhs for long-term growth. This is for your 3-year-old child.

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Invest in actively managed mutual funds through a CFP-backed MFD.

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Stay away from direct mutual funds. They do not give regular guidance.

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Without guidance, you may lose direction during market volatility.

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A regular plan with portfolio tracking, goal-based changes, and reviews is key.

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Avoid index funds. They may look cheap but give average returns.

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Actively managed funds can beat markets. Index funds just follow it.

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Use flexicap, midcap, or large and midcap fund categories.

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Do not touch this bucket for next 10 years. Let it grow with power of compounding.

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Emergency Backup Plan

Keep 3 to 6 months of expenses in savings or liquid fund.

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This emergency fund gives peace during low freelance income months.

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Without emergency funds, you may break growth investments.

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Emergency backup is not optional. It is a must.

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Secure Yourself with Insurance

Take health insurance of at least Rs. 5 lakhs.

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Do not depend only on savings for medical needs.

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One illness can break your financial plan completely.

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Also take term insurance if you have financial dependents.

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Term insurance is low cost. It protects your child’s future if something happens to you.

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Monthly Income Through SWP – Simple Strategy

Choose a suitable mutual fund with low volatility.

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Invest Rs. 3 lakhs in it through a Certified Financial Planner.

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Start withdrawing Rs. 4,000–5,000 per month.

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This gives you steady income. Your capital also grows slowly.

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Review once a year to check returns and adjust withdrawals.

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Do not stop growth investing in other bucket even if income is needed.

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Continue Freelance Income Planning

Keep aside small savings every month.

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Try building SIPs of Rs. 2,000–5,000 monthly when income allows.

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Invest surplus income in your child’s goal fund.

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Automate the savings so that you stay consistent.

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Avoid frequent changes. Let long-term plans stay intact.

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Review Investment Every 6–12 Months

Meet your Certified Financial Planner every year.

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Review your income, child’s goal progress, and safety fund.

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Adjust portfolio as per changing income or family needs.

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If income increases, move more funds to growth bucket.

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Do not make sudden decisions due to market news.

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Avoid Emotional Financial Decisions

Do not invest in schemes that promise fast income.

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Avoid friends and relatives’ advice that is not goal-linked.

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Avoid buying real estate for rental income. It locks funds and needs maintenance.

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Do not invest in annuities. They give low returns and no flexibility.

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Say no to index funds. They are passive and don’t suit long-term goal changes.

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Avoid direct funds. Stay with regular funds through CFP-supported MFDs.

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Protect Your Child’s Future

Start a separate goal plan for child’s education.

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A small SIP now will build a big corpus in 15 years.

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Keep this money untouched. It is not for regular income.

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Tell your Certified Financial Planner about this specific goal.

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Add small amounts whenever you get surplus from freelance work.

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Think Ahead

Plan next 5 years with income, growth, and protection.

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Next 10 years must focus on child’s education planning.

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From 15th year onwards, you will have a matured education fund.

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After that, shift focus to your own retirement.

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Step by step planning brings balance and peace.

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Finally

You have inherited Rs. 6–8 lakhs. This is a big opportunity. Use it wisely.

Use part of it for monthly income with SWP. Use the rest for growth.

Avoid emotional or risky investments. Avoid direct funds and index funds.

Actively managed funds through MFDs with CFP support give better results.

Build an emergency fund. Keep insurance in place.

Keep investments and income balanced. Stick to the plan.

Review often. Adjust carefully. Think long-term.

Your son’s future and your peace of mind will depend on what you do today.

Start simple. Stay consistent. Avoid shortcuts.

This small corpus can bring big life changes when managed the right way.

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Best Regards,
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K. Ramalingam, MBA, CFP,
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Chief Financial Planner,
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www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |5627 Answers  |Ask -

Career Counsellor - Answered on Jun 02, 2025

Asked by Anonymous - May 31, 2025
Career
Greetings sir, I've did my schooling in CBSE and I've scored 92.4 percentage in my Board exam, my cutoff is around 186 and i also have an army quota, I wish to pursue CSE in any reputed colleges in Tamilnadu
Ans: With a TNEA cutoff of 186 and Army Quota (Sons/Daughters of Ex-Servicemen), you can target CSE in these reputed Tamil Nadu colleges:

SSN College of Engineering (Chennai): CSE cutoff for General hovers around 190–200 marks, but Army Quota (8 seats in university departments) significantly lowers rank requirements.

PSG College of Technology (Coimbatore): CSE requires ~180–190 marks; Army Quota (34 seats in govt/aided colleges) enhances admission chances.

Thiagarajar College of Engineering (Madurai): CSE cutoff ~170–180 marks; quota seats in govt colleges improve accessibility.

Coimbatore Institute of Technology (CIT): CSE cutoff ~170–180 marks; Army Quota applies to affiliated institutes.

Kumaraguru College of Technology (Coimbatore): CSE cutoff ~160–170 marks; quota seats in self-financing colleges (108 seats) offer opportunities.

Saveetha Engineering College (Chennai): CSE cutoff ~175–180 marks; Army Quota applicable across categories.

Anna University (MIT Campus): CSE cutoff ~180–190 marks; university departments reserve 8 seats for ex-servicemen.

Government College of Technology (Coimbatore): CSE cutoff ~160–170 marks; govt colleges prioritize quota candidates.

Sri Venkateswara College of Engineering (Kancheepuram): CSE cutoff ~150–160 marks; quota seats in aided colleges.

Rajalakshmi Engineering College (Chennai): CSE cutoff ~140–150 marks; Army Quota applicable in self-financing institutes.

Recommendation: Prioritize SSN, PSG Tech, and CIT during TNEA counseling, leveraging Army Quota provisions (submit valid Ex-Servicemen certificates). Include mid-tier colleges like Kumaraguru and Saveetha as backups, ensuring optimal branch allocation.
All the BEST for your Admission & a Prosperous Future!

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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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