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Nayagam P

Nayagam P P  |7783 Answers  |Ask -

Career Counsellor - Answered on Jun 18, 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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Asked by Anonymous - Jun 16, 2025
Career

Sir, my son has got 98.13 percentiles in MH CET. Which best college is possible to get for CSE? Also he has got admission in B Tech IT at VIT Vellore in cat 5. So what should be our preferences?

Ans: With a 98.13 percentile in MH CET, your son is eligible for CSE branches in reputable Maharashtra colleges, though the absolute top-tier options are just out of reach. COEP Pune’s CSE cutoff is typically above 99.8 percentile, and VJTI Mumbai closes near 99.3–99.7 percentile, making them highly competitive this year. However, strong alternatives like PICT Pune (CSE cutoff ~99.37 percentile), Cummins College Pune for Women (CSE cutoff ~99.21 percentile for open category girls), and MIT Academy of Engineering Pune (CSE cutoff ~97–98 percentile) are realistic and offer robust placement records. SPIT Mumbai’s CSE cutoff is generally above 99.3 percentile, so it may be slightly out of reach, but branches like IT or ECE could be considered if available. Given admission in BTech IT at VIT Vellore (Category 5), which has a lower placement density and higher fee, prioritize CSE at PICT Pune, Cummins College, or MITAOE Pune through MH CET counselling, and keep VIT Vellore IT as a backup option for broader national exposure if preferred colleges are not secured. All the BEST for the Admission & a Prosperous Future!

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Adarsh

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HR, Leadership coach - Answered on Jul 03, 2025

Asked by Anonymous - Jun 11, 2025Hindi
Career
Hi. I am currently 29. Married with no kids. Wife not earning. Planning for a kid this year. Monthly earning 60k post tax. Have savings of 2 lakhs. Have personal loan of 9 lakhs. Monthly expenses 40k including emi's. I have lost interest in job and I don't want to work anymore. I want to do business which can give monthly 50 to 60k income. Max I can invest 2lakhs. Is there any business which I can start with 2 lakhs and generate monthly income of 60k ? I am frustrated with working under an employer. I want to start my own venture. Please suggest.
Ans: Spandan, pause before you mail the resignation.

Your maths
60 k take-home
40 k spends (15 k of that is EMI on a 9 L loan)
→ 20 k buffer

A newborn will nudge monthly costs up by 8-10 k. Cash cushion shrinks fast.

So the plan must earn while you learn, not leap blind.

Keep the paycheck six more months.
Use evenings to test micro-ideas. Risk stays capped at ?0 for now.

Choose a “cash-this-month” niche, not a moon-shot.
Pick work that turns inventory ≤ ?50 k into sales inside 30 days.

Tiffin + office snacks (two dishes, 40 boxes) - ?25 k utensils, ?10 k FSSAI, ?5 k flyers - ?120 per box × 40 = ?4.8 k /day

Amazon / Flipkart reselling (phone cases, cables) ?40 k stock, ?15 k ads 25 % net margin on ?2 L monthly sales = ?50 k

Weekend print-on-demand & personalised gifting kiosk ?45 k heat-press kit (other options are there too) ?300 profit per mug × 200 pcs → ?60 k Bring Your Mug - Take Away Memories.

Local social-media management for clinics & salons ?0 gear, ?3 k Canva Pro ?8 k-?12 k per client; 6 clients hit target

None need heavy staff or rent. All can run beside your day job.

Set one simple goal: ?15 k profit by Day-30.
Hit it twice, raise target to ?35 k. Only when side income beats salary three months straight do you quit.

This is critical - Plug leaks early. Refinance personal loan to longer tenor; shave EMI to ~?10 k.

Park 1 L of savings in an emergency account—no touch.Skill up tiny, daily.
Watch a YouTube on ad copy, take a WhatsApp course on GST filings. Low cost, immediate payback.

Start small, sell fast, reinvest every rupee. Freedom comes, but by steps, not by one loud jump.

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