Home > Career > Question
Need Expert Advice?Our Gurus Can Help
Nayagam P

Nayagam P P  |11031 Answers  |Ask -

Career Counsellor - Answered on Jun 28, 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.
... more
SOUNDARAJAN Question by SOUNDARAJAN on Jun 28, 2025Hindi
Career

Hi sir , my son got Btech cse AIML 3rd catogery AP, Btech electronic vlsi & technology SRM KTR , Nitte meenakshi Bangalore information tech. WHICH one to choose.

Ans: Soundarajan Sir, VIT AP’s BTech CSE (AIML, 3rd category) offers a curriculum focused on artificial intelligence and machine learning, with solid placement rates and recruiters like Google and Amazon, but average packages are moderate compared to top-tier campuses. SRM KTR’s BTech Electronics Engineering (VLSI Design & Technology) is NAAC A++ accredited, ranked #13 in NIRF 2024, and features strong placement outcomes with core companies like Samsung, Qualcomm, Intel, and IBM, making it a top choice for students interested in electronics and semiconductor industries. Nitte Meenakshi Institute of Technology (NMIT) Bangalore’s Information Technology branch boasts a 94.3% placement rate in 2025, with over 192 recruiters, including Dell, Amazon, Infosys, Cognizant, and Adobe, and an average package of ?6.06 LPA, reflecting robust industry engagement and consistent placement support. All three institutions offer modern infrastructure and active placement cells, but SRM KTR stands out for its national ranking, industry partnerships, and placement diversity, especially for electronics and VLSI roles, while NMIT Bangalore is particularly strong for IT placements in the Bengaluru tech ecosystem.

Recommendation: Choose SRM KTR Electronics (VLSI & Technology) for its top-tier ranking, core industry placements, and future-ready curriculum; opt for NMIT Bangalore IT if you prioritize high placement rates and Bengaluru’s tech scene; select VIT AP CSE (AIML) for a focused AI/ML path if that is your son’s clear passion. All the BEST for the Admission & a Prosperous Future!

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

You may like to see similar questions and answers below

Nayagam P

Nayagam P P  |11031 Answers  |Ask -

Career Counsellor - Answered on Jun 02, 2025

Nayagam P

Nayagam P P  |11031 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir,my son got mtech cse in SRM kktr,btech AI DS in PSG ITECH Coimbatore and btech IT in TCE ,madurai which one to choose ,pls share your advise sir
Ans: Based on the following insights/information, advise your son to choose the most suitable option for him. Your son's options include an MTech dual degree in Computer Science and Engineering (CSE) from SRM Institute of Science and Technology (SRM KKTR), a BTech in Artificial Intelligence and Data Science from PSG Institute of Technology and Applied Research (PSG ITECH), Coimbatore, and a BTech in Information Technology from Thiagarajar College of Engineering (TCE), Madurai. SRM KKTR is a deemed university with A++ NAAC accreditation, known for its integrated MTech programs that combine undergraduate and postgraduate studies, offering extensive research opportunities and strong industry exposure in a metropolitan setting. SRM consistently reports high placement rates with an average package over ?7 lakh. PSG ITECH is a reputed private institute focused on emerging technologies like AI and data science, with robust industry linkages and an 85% placement rate, average packages around ?6.5 lakh, and focus on hands-on learning in AI, machine learning, and big data analytics. TCE Madurai, an autonomous private college with A+ NAAC, excels in IT education with strong academics and around 80% placement rates; it is well-recognized regionally, with median salary packages around ?7 lakh, supported by a vibrant alumni network and industry contacts.

All three institutions maintain essential features such as good accreditation, qualified faculty, strong industry connections, modern infrastructure, transparent governance, and active placement cells. The choice should consider program duration, specialization focus, career goals, and willingness to pursue research or industry-oriented roles. All the BEST for a Prosperous Future!

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11150 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 21, 2026

Money
I am a 43 year old, have a dependend wife & 12 yr old daughter (7 STD). Earing 2.25 L per month. Monthly expenses 80k. No debts and staying in my own flat.& 1 more flat (earn rent Rs. 28 k monthly), 2 lac as emergency fund in savings. I invested 3 lakhs in equity stocks, 23 lakhs in MF lumpsum(Current Value 32 lacs), 18 lac in FD and 10 lac in NSC. Till date my PF is 36 lacs. I pay 80 k SIP monthly (investment value 19.50 lacs and market value 25 lac), PPF 1.50 lac p.a -Current value 9 lacs, NPS 1 lac p.a -Current value 6.5 lacs, SSY 1.5 lacs p.a.( Current value 9.5 lacs) and PPF for wife 1 lacs p.a (Current value 5.50 lacs) and PPF for daughter 50k p.a.from 2023( Current value 1.73 lac) Also Family medical insurance of 10 lacs.. and myself term insurance of 50 lakhs and LIC of 10 lakhs. Also I purchased LIC Child Money back of 10 lacs and SBI smart chap 5 lacs for my daughter education. I want to retire by 50's with the total corpus of 5 cr. Is it possible with above or increase investments??
Ans: You have built a very strong financial structure already at age 43. Your disciplined SIP of Rs 80,000 monthly, multiple long-term investments, rental income and debt-free lifestyle are powerful advantages for early retirement planning before 50s.

» Present Financial Strength Overview

– Monthly income Rs 2.25 lakh
– Monthly expense Rs 80,000
– Rental income Rs 28,000 monthly
– No liabilities
– Strong PF corpus Rs 36 lakh
– Mutual fund investments growing well
– Regular SIP Rs 80,000 monthly
– PPF contributions for self, wife and daughter
– SSY contribution for daughter
– NSC and FD holdings available

This is a very balanced portfolio structure.

» Retirement Target Rs 5 Crore by Age 50

Your goal is ambitious but achievable with disciplined continuation.

Positive factors supporting success:

– high monthly SIP already running
– strong PF accumulation ongoing
– additional rental income support
– low household expense ratio
– no debt burden

These are excellent strengths.

However, timeline is short (about 7 years).

So investment efficiency becomes very important.

» Emergency Fund Needs Improvement

Currently emergency fund is Rs 2 lakh.

Recommended level:

– minimum 6 to 12 months expenses
– should be around Rs 5 to 10 lakh range

Increase this gradually for safety.

» Role of Fixed Income Investments in Your Plan

Your portfolio includes:

– FD Rs 18 lakh
– NSC Rs 10 lakh
– multiple PPF accounts

These provide stability but lower growth compared to equity mutual funds.

For early retirement goal before 50:

– some portion of future investments should move towards growth assets
– continue existing safe investments but avoid increasing them further heavily

This improves corpus growth speed.

» Mutual Fund SIP Strength is the Key Driver

Your SIP of Rs 80,000 monthly is your biggest retirement engine.

To reach Rs 5 crore comfortably:

– increase SIP yearly when income increases
– even Rs 10,000 yearly increase helps strongly
– continue long-term discipline without interruption

This creates strong compounding impact.

» Review of Insurance Planning

Current protection:

– health insurance Rs 10 lakh
– term insurance Rs 50 lakh

Suggestions:

– increase health cover if possible
– term insurance ideally should be higher considering dependent wife and child

Protection planning strengthens retirement safety.

» Child Education Policies Review

You mentioned:

– child education insurance policies already taken

Generally these plans give lower returns compared to mutual funds.

Better approach after checking surrender values:

– consider partial surrender or paid-up option
– redirect future premium savings towards mutual fund SIP for education goal

This improves long-term growth.

» Rental Income Advantage in Retirement Planning

Rental income Rs 28,000 monthly is a strong support.

This helps:

– reduce retirement dependency on corpus
– provide inflation-adjusted support over time
– improve early retirement feasibility

Very useful strength in your case.

» Action Steps to Improve Probability of Rs 5 Crore Target

Simple improvements can help:

– increase emergency fund to safer level
– increase SIP gradually every year
– avoid increasing new fixed-return investments
– review child education insurance policies
– strengthen health insurance cover
– maintain investment discipline for next 7 years strictly

These steps improve goal achievement chances strongly.

» Finally

Based on your current savings rate, strong SIP discipline, rental income support and low expenses, reaching Rs 5 crore by your early 50s looks achievable. Increasing SIP gradually and improving protection planning will make this target more comfortable and realistic.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11150 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 21, 2026

Asked by Anonymous - Apr 11, 2026Hindi
Money
Hi gurus...I am 33yr married female. I am making the following investments monthly 1. Sip of 17000pm 2. I invest in RD to be able to deposit in my ppf account ( trying to utilise full 1.5Lakh limit) 3. Every month my contribution ( including employer contribution ) to NPS is 9670pm Since my spouse is working in pvt sector, I would like to accumulate retirement money required to lead post retirement withdrawing 1.5 lakh monthly. Also, I will need to withdraw 10-15 lakh for home buying (planning in 5-7 years), and kids education after 15-18 years requiring 20 lakhs Pls suggest if this investment plan is good for my goal or I need to make any tweaks to achieve my goals
Ans: You have already started retirement planning at age 33 and that is a very strong step. Also, you are investing regularly through SIP, PPF and NPS. This shows discipline and long-term thinking. With some adjustments, your goals can become more comfortable and achievable.
» Understanding Your Present Investment Structure
Your current monthly investments are:
– SIP investment Rs 17,000
– RD for PPF contribution up to Rs 1.5 lakh yearly
– NPS contribution (employee + employer) Rs 9,670 monthly
These three together create a solid base for retirement planning. But since you have multiple goals, allocation planning becomes important.
» Retirement Goal Requirement Reality
You want retirement income of about Rs 1.5 lakh per month.
Important points:
– retirement may be after 25 to 27 years
– inflation will increase expenses strongly
– future monthly need may be much higher than today’s value
– so retirement corpus requirement will be large
This means present SIP amount alone may not be enough over long term.
Increasing equity mutual fund exposure gradually is important.
» Home Purchase Goal in 5 to 7 Years
You plan to withdraw Rs 10 to 15 lakh for house purchase.
Current approach:
– RD supporting PPF contribution is safe
– but PPF has long lock-in period
– withdrawal flexibility is limited
Better approach:
– create a separate mutual fund investment bucket for house goal
– choose balanced allocation between safety and growth
– avoid depending only on PPF for this goal
This improves liquidity and timing comfort.
» Children Education Goal After 15 to 18 Years
Education goal of Rs 20 lakh today will increase in future.
So planning should include:
– growth-oriented mutual fund investments
– long-term SIP increase gradually
– separate goal-based investment tracking
This will help you reach education target without disturbing retirement savings.
» Role of NPS in Your Retirement Planning
NPS contribution of Rs 9,670 monthly including employer share is a strong advantage.
Benefits:
– long-term disciplined retirement saving
– tax efficiency support
– employer contribution adds extra strength
Continue this without interruption.
» Importance of Increasing SIP Every Year
Your retirement success depends mainly on equity exposure.
Recommended action:
– increase SIP amount every year with salary increase
– even small yearly increase creates big future impact
– goal-based SIP planning gives better clarity
This improves retirement confidence.
» Need for Emergency Fund Planning
Before increasing investments further, check:
– minimum 6 months household expense reserve
– kept in safe liquid investment
– separate from long-term goals
This protects your financial plan during unexpected situations.
» Simple Allocation Improvement Strategy
For stronger goal achievement:
– continue NPS contribution
– continue PPF contribution for safety portion
– increase SIP gradually for retirement goal
– create separate SIP for house purchase goal
– create separate SIP for children education goal
Goal separation improves clarity and success rate.
» Finally
Your current investment plan is a strong starting structure. But to achieve retirement income of Rs 1.5 lakh monthly along with house purchase and children education goals, increasing SIP gradually and creating separate investments for each goal will make your plan much stronger and safer.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x