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Will I Get CSE in Tier 1 NITs with 98.02 Percentile in JEE Mains 2025 (SC, WB)?

Dr Dipankar

Dr Dipankar Dutta  |1827 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 22, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Asked by Anonymous - Mar 21, 2025Hindi
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Sir, I have got 98.02 percentile in JEE Mains 2025. I am SC student from W.B. In which Tier 1 NITs will I surely get CSE?

Ans: NIT Trichy (Less likely in Round 1, but possible in later rounds)
NIT Warangal (Slightly tough but possible in CSAB Special Rounds)
NIT Surathkal (Possible in later rounds)
NIT Calicut (Good chance)
MNNIT Allahabad (High chance)
NIT Rourkela (Very likely)
NIT Durgapur (Almost confirmed) - Not recommended
See previous years' cut off
Career

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Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Mar 20, 2025

Asked by Anonymous - Mar 17, 2025Hindi
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I scored 83 percentile in JEE mains 1,I'm in (OBC NCL) category. Which NIt i can get in CSE
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

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.

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

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

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Purshotam

Purshotam Lal  |67 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 14, 2025

Money
Sir, I would take your advice on my future planning, planninby 55 years. Below details, need your help I am 50 years old, having wife with two kids, daughter 14 years (class 8) and son 8 years (class 3) standard. Saving and investment till date: PPF (own and son account) Rs. 18.40 lakh, Sukanya (in my daughter name) RS. 5 lakh, Axis ELSS, Mirae ELSS, Quant ELSS Total Rs. 11.23 Lakh (combined), NPS Rs. 5.27 lakh, Paragh Parekh and UTI Flexi Cap Fund Rs. 5.30 lakh, Bandha Small Cap Rs. 5K, Direct Investment in equity Rs. 34.00 Lakh. Saving account balance Rs. 10 Lakh, Fol Bond 20 grams, Some ornament about 100 grams. One house (staying) value about Rs. 1 CR and one flat (vacant) value about Rs. 1 Cr. Home Loan outstanding Rs. 11.40 Lakh (EMI Rs. 25K), Insurance cover against Home loan EMI Rs. 1K Monthly Expenses about Rs. 1 Lakh PM. (including education and house hold expenses). Earning INR 2.5 Lakh PM. Wated to be reture by 55, can you please advice how to allocate my investment so that my earning can be generated Rs. 2 Lkah PM.
Ans: You are already on the right course to providing for your corpus for proposed retirement at your age 55. However you also need to provide for future marriages of your daughter & son, say at their age 25 i.e. after 11 years and 17 years respectively. Current cost of marriage of say Rs 25L may go-up at assumed inflation rate of 8% to Rs 58.29L & Rs 92.50L in 11 & 17 Years. At assumed ROI of 13% Equity MF SIP shall be required of Rs 16.5K, Rs 13.5K per month which will continue even after your proposed retirement age of 55. Additionally there seems to be scope for 70K PM Equity MF SIP for next 5 Years. On vacant flat you can assume rental income of say 35K per month. It is also assumed that investment in Sukanya Samriddhi will continue till her Marriage and shall be utilised for daughter's marriage expenses.

However with respect to your retirement plan at Age 55 years, at conservative return of 6% from annuity funds and rental incomes net of continuing MF SIP of Rs 30K, it is expected to generate around Rs 1 L PM at your age 55. Hence it is suggested not to retire by 55 as being proposed. Also please note that returns on MF, NPS & Direct Equities are linked to market performance and very volatile and are also subject to market, Interest rate risks etc. It is suggested to contact a Certified Financial Planner and/or Certified Financial Advisor for charting your path to retire peacefully. Goodluck.

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com

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Naveenn

Naveenn Kummar  |231 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 13, 2025

Money
Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me
Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2025

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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