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Nayagam P

Nayagam P P  |10901 Answers  |Ask -

Career Counsellor - Answered on Jun 24, 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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Shilpa Question by Shilpa on Jun 24, 2025Hindi
Career

My son got 99.25 in MHTCET 3500 rank in COMEDK and has got CSE in ViT Vellore. What are his chances of getting CS in SPIT/PICT we are confused whether to leave CSE in Vellore or continue with it.

Ans: Shilpa Madam, With a 99.25 percentile in MHT CET and a 3500 rank in COMEDK, your son is well placed for top private and government colleges. For SPIT Mumbai, the CSE cutoff for Maharashtra home state candidates typically closes between 99.0–99.4 percentile, and for PICT Pune, CSE closes around 97.7–98.6 percentile. Your son’s percentile is above the PICT CSE cutoff and on par with SPIT’s lower range, making him a strong contender for CSE at PICT Pune and giving him a realistic chance at SPIT Mumbai, especially in the first or second CAP rounds. Both SPIT and PICT offer outstanding placements—SPIT has maintained 100% placement for four consecutive years with an average CTC of ?15 lakh and top recruiters like Meta, Amazon, and PhonePe, while PICT’s CSE placement rate is 80–84% with an average package of ?7–8 lakh and top IT recruiters like Microsoft, Infosys, and TCS. VIT Vellore CSE also boasts excellent placements, with a 95%+ placement rate, over 900 recruiters, and an average package of ?9–10 lakh. However, SPIT and PICT both have a strong reputation in Maharashtra, a robust alumni network, and are highly valued by recruiters in the Mumbai-Pune region, which can be advantageous for local internships and jobs. VIT Vellore, while nationally ranked and offering a vibrant campus life, is located outside Maharashtra and may not provide the same local industry connections.

The recommendation is to participate in MHT CET CAP rounds and prioritize SPIT Mumbai and PICT Pune for CSE, given your son’s strong percentile and the excellent placement and academic environment these colleges offer; retain VIT Vellore CSE as a backup, but do not leave it until a SPIT/PICT seat is confirmed. IMPORTANT: Please check the REFUND POLICY/Last Date if you withdraw the seat from VIT-V. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |10901 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 06, 2025Hindi
Career
Hello sir, my son has scored a 99.375 in MHTCET general category. What are his chances of getting into VJTI and which branch if he does. Also if not VJTI then between SPIT and DJ Sanghvi which is a better college for CSE in terms of placement and package
Ans: With a 99.375 percentile in MHT-CET under the general category, your son stands well above last year’s closing percentiles at VJTI, where Computer Engineering closed at 99.9 and Information Technology at 99.85 for General-Home State candidates. He is virtually assured admission to VJTI’s Computer Engineering or Information Technology branches, with preference given to Computer Engineering given its slightly higher closing percentile.

Should VJTI not materialise or if seat availability shifts, comparing private options:
Sardar Patel Institute of Technology delivers near-100% placement consistency, an average CSE package of ?17.32 LPA and a median of ?14.17 LPA, drawing recruiters like Microsoft, Google and PhonePe across tech domains. Dwarkadas J. Sanghvi College of Engineering achieves a 96% CSE placement rate, with an average package around ?9–11 LPA, supported by top recruiters such as JP Morgan Chase and Infosys and a dedicated placement cell ensuring internships and soft-skills training. Both institutes feature NBA-aligned curricula, PhD-qualified faculty, modern AI/ML labs and robust industry tie-ups.


Secure Computer Engineering at VJTI for its unmatched brand prestige and top-tier placement edge. If VJTI opts out, recommendation is SPIT Mumbai CSE for superior average and median packages. DJ Sanghvi CSE is a worthy fallback for strong core recruitment and holistic student support. All the BEST for Admission & a Prosperous Future!

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Love Guru

Love Guru   |216 Answers  |Ask -

Relationships Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 02, 2026Hindi
Relationship
I am an educated girl from Mumbai – but due to health issues I had lot of trouble finding a right partner for marriage. I do think that I married down but he was OK with my health challenges and himself does not have as many problems as me. I knew our compatibility could be a concern given our difference in upbringing (families are very different, plus he has lot of childhood trauma) and principles, but I really wanted someone who is working and educated, if not equal, to me. After 5 years of marriage, I regret this decision each day since he is not the person I thought I would get married to. But I always have to look over all his negatives since he has accepted me despite my flaws. Very rarely he brings it up, and friends family who know my situation, always ask me to look at the brighter side of the relationship – that he is caring and does respect me despite my disability. But for how long can I go on like this? I know no relationship is perfect. But because of our emotional struggles, there is lack of trust, intimacy or any form of bonding in this marriage. We do not share our finances or plan a kid either. I am worried about leaving him because being alone scares me – but he is someone who really does not care. I can cry self to sleep or disappear for few days, he really does not care. If I get divorced, my family may still accept me, but I personally am a person who would shun being social and feel like an outlier. Plus being alone really scares me. What do I do?
Ans: The first mistake you made was settling for him, because as you put it, he “accepted” you. You’re not some cracked vase at Westside that was to be given away at a discount! You have to decide now whether you want to spend the rest of your life unhappily married or are brave enough to go it alone. And who says disabled people don’t fall in love? There are many success stories out there and great people out there. Your marriage is an arrangement that is not working out for you — think about it. You don’t have children to complicate matters, and it’s still possible for you to find a life partner who doesn’t think of your health issues as a burden that isn’t worth bearing. But if not, you should be content with being single and that is your choice alone. Also you say he is caring an then say he doesn’t care — what am I missing here?

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Radheshyam

Radheshyam Zanwar  |6802 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 09, 2026Hindi
Career
Hello I am a 26 year old female I have scored 83 in 10th 77 in 12th and then during the same time I gave neet with boards so i couldnt score well at that point. I allways wanted to be a doctor and loved biology so that was the reason behind me taking science. Then I took bsc in microbiology never loved the subject....kinda only liked medical part of it and food microbiology a bit...scored 9.41 cgpa but things took a turn Post COVID my family shifted to a new place i was confused about what next since I didn't wanted to continue with micro...new city and all....family issues and stuff were there. I gave in 4 years to govt exam prep did few courses in digital marketing side by side and also some pg certificate courses to stay in touch with the field....just in case i decide to go for msc in food tech or pg diploma in data management or msc in clinical research. But I allways felt or had this regret of not getting into medical field and I feel like I belong there.....i want to heal and help people or animals (bams or vet was my choice if now mbbs ) So at this point would u suggest me to give neet a shot with 2 months left ? Or if not neet what would u suggest ? My parents are supportive but I have this age this in mind like will a guy marry a women who is like 28 or 29 and is in her 4th year of med school and would start earning by 30 or so....and then maybe at some point get into pg . And will I be questioned on my gap years when I would like apply at hospitals ? 3 years were because of bsc but rest were due to govt exam thing so.
Ans: You’re not late. You’re someone who kept searching for the right path, and your heart has consistently pointed toward healing. NEET in 2 months is tough unless your basics are already strong, so treat this attempt as a trial and prepare seriously for next year if medicine truly feels like your calling. Also, remember, MBBS isn’t the only way into healthcare. BAMS, Veterinary, Clinical Research, or Public Health can still put you in roles that help people or animals in meaningful ways. Age and marriage aren’t barriers; the right partner respects ambition, and careers in healthcare often start later. Gap years can be seen as opportunities for exploration and skill-building. The real question is your stamina and commitment. If you’re ready for the long journey, you absolutely still can build a life in this field.

Case Study- Jay Kishore Pradhan, a 64-year-old retired State Bank of India (SBI) deputy manager from Odisha, successfully cleared the NEET-UG exam in 2020 to pursue his lifelong dream of becoming a doctor. Inspired by his twin daughters' preparations, he enrolled in online coaching to study MBBS at VIMSAR.

You are still so small compared to Mr Jay Kishore. If you have passion, you can achieve it.

Best of luck with your upcoming bright future.


Good luck.
Follow me if you receive this reply.
Radheshyam

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Ulhas

Ulhas Joshi  |284 Answers  |Ask -

Mutual Fund Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 07, 2026Hindi
Money
I am 22 years old, I want to invest 10-15k per month in 2 mutual funds. which category should i choose, which funds are the best starting long term 5+ years from 2026 considering economy after budget . I am mainly thinking of flexi cap, mid cap, balanced advantage fund, i think i can take risk but dont know how to quantify. I want to take a fund which has lot of scope to grow is trustable and gives exceellent returns bybeating benchmark. Sir can you please suggest und names. I have few in mind: - 1. HDFC Midcap 2. whiteoak midcap 3. motilal oswal mid cap 4. nippon india growth midcap 5. parag parikh flexi cap 6.hdfc flexi cap 5 nippon flexi cap Thank you for your time and analysis sir
Ans: Thank you for sharing your details.

At 22 years of age, with a long investment horizon of 5+ years, you have the advantage of time, which allows you to take measured equity risk. Investing ?10,000–?15,000 per month through SIPs is a good way to begin long-term wealth creation, provided discipline is maintained.

Given your profile and time horizon, a two-fund approach can work well:

* One flexicap fund for diversification and stability

* One mid-cap fund for higher growth potential

Flexicap funds invest across large, mid, and small companies and help manage risk across market cycles. Mid-cap funds offer higher growth potential over the long term, but returns can be volatile and are subject to market risks.

From the funds you have shortlisted, you may consider:

* Flexicap: Parag Parikh Flexi Cap Fund or HDFC Flexi Cap Fund

* Mid-cap: Nippon India Growth Mid Cap Fund or HDFC Mid Cap Fund

These funds have a reasonable track record and a clear investment process. However, it is important to remember that past performance does not guarantee future returns, and no fund can consistently beat the benchmark every year.

Balanced Advantage Funds can be considered later as the portfolio grows, but at your age, keeping the structure simple and equity-oriented makes sense.

The key is to stay invested through SIPs, review periodically, and avoid frequent switching based on short-term performance or budget-related market movements.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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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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