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Which college is the best for me: Walchand CSE, SPIT ECE or DJ Sanghvi IT?

Nayagam P P |4101 Answers |Ask -Follow

Career Counsellor - Answered on Aug 28, 2024

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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Question by Param on Aug 27, 2024Hindi

Career

I have got admission in walchand college of engineering sangli cse; also electronics and telecomm in sardar patel institute of technology and IT in DJ sanghvi college. Which of them would be the best option?

Ans: Prefer Walchand-CSE. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

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Asked by Anonymous - Jun 10, 2024Hindi

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I'm getting cse in UPES dehradun and electronics and communication in MIT manipal. Which should I go for. Please reply me.

Ans: Go for UPES for CSE. Avoid Manipal due to some reasons. To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Exam Preparation Techniques (Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad)’, please FOLLOW me in RediffGURU here.

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Question by Anshu - Feb 15, 2025Hindi

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Good morning sir , while submitting the form in 1st attempt I wrote my name As "name surname" but in my board 10th marks certificate in Maharashtra board my name was written as "surname name fathername " but my 1st attempt form was accepted I thought I can change my Name on second attempt but there is no option and new registration is also no the way I am concerned about jossa councilling will be there any issues due to

Ans: Anshu, You should not face significant issues during JoSAA Counselling, but minor problems may arise when reporting to your allotted college. Before that, ensure that your name on your mark sheet matches the name on your Aadhaar card, as name changes on the birth certificate are not permitted.

Depending on the institute’s policy, you may also be required to submit an affidavit if discrepancies persist. For now, focus entirely on your studies. Additionally, consider having a backup plan—appear for 5-7 other entrance exams instead of relying solely on JEE. All the Best for Your Prosperous Future. Follow RediffGURUS to Know More on 'Careers | Health | Money | Relationships'.

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Asked by Anonymous - Feb 07, 2025Hindi

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I am a senior citizen. I am selling my flat at 54 lakh. I bought it 13 years back for 19 lakh 80 thousand 600. My son is the co applicant. He is working in IT and he has a family of wife and a son. Me and My husband are unemployed, no pension, not earning. What would be my capital gain and what would be the tax we have to pay.

Ans: Assuming that the property was purchased during FY 2010-11, the indexed cost of acquisition works out to Rs.4305136. So Long Term Capital Gain shall be 1094863. This can be divided between you and son equally and after adding to other income, tax shall be calculated at 20% for your son. For you if no other income then amount remaining after basic exemption limit shall be taxable at 20%

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My question is regarding purchasing 1 bhk flat as investment. I am living in good society in Wagholi in terms of amenities and basic facilities. I am planning to buy 1 bhk flat for 34 lacs. Which bit lesser than what actual price in our society. I am thinking of paying emi through the rent which I am going to receive. Please advise

Ans: Hello;

Think about the following points before making the investment:

1. If the flat remains unlet for 6 months or more, worst case scenario, will you be able to service the loan through your own income during that phase.

2. Why is the flat available at a price lesser than its fair market value? Is their any flipside?

3. In case you need funds urgently, can you liquidate the flat in 3-4 weeks time?

You can plan your purchase after satisfying yourself on the above points.

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I have debt of 80k and i dont have any source of Income as because my just a student.Also my parents are not capable to pay that much amount.How can i fundraise?

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You may take-up part time job somewhere so as to atleast pay the loan EMIs.

You may let the loan company impound asset acquired under the loan(bike, cell phone) and close the loan sighting inability to repay. This will impact your cibil score but it can be improved later on.

Seek help from a friend or relative to close the loan. You may repay them later when you get employed.

Avoid credit cards, BNPL, MTF and other borrowings as much as possible.

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Please discuss your revised terms of employment, after retirement, with the administration of your organization.

If there is any error then may be you both can find an amicable solution.

Escalation at this stage may harm your employment hence is neither advisable nor warranted.

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As of now I have opt for Old tax regime.. With my income of 11.89 LPA , can you please suggest which regime is good ,, Old or the new .. Also guide on tax saving components for the respective option

Ans: If you are going for Old Tax Regime then following options for reduction in Tax outgo
1. Standard Deduction on salary
2. HRA
3. NPS contribution from Salary
4. Investments under 80 C i.e. Life Insurance, Tax saving MF, 5 yr FD
5. Mediclaim 80D
6. Voluntary Payment of NPS upto Rs.50000
7. If you have home loan then Home loan Principal can be claimed under 80C and Interest under House Property
8. Interest on Savings Account upto Rs.10000
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