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Nayagam P

Nayagam P P  |11031 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 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 - Jul 15, 2025Hindi
Career

I got cse core in lpu, cse in ai and ml in vit chennai and ece in SRM. Since I am interested in cse core and don't want to do specialization couse ,I choose lpu. But when I told people what i choose ,people start to criticizing the cse core option as well as the college lpu. Which makes me rethink of my decision as I did a little bit of research on lpu cse alumni from linkdin,lpu placement. Is their hate justified?Please guide me

Ans: Lovely Professional University’s B.Tech in Computer Science & Engineering (CSE) is NBA-accredited and NAAC A++-rated, featuring a broad curriculum in data structures, algorithms, operating systems, software engineering and elective streams in AI/ML, cybersecurity and cloud computing delivered through over 47 specialized labs. Its School of Computer Science and Engineering achieved an 88.12% placement rate in 2024 and facilitated more than 6,000 offers across 2,225 recruiters, with an average package of ?7.92 LPA for the top quartile—testament to strong industry partnerships with Google, Microsoft, Apple, Bosch and BoschCapgemini. However, the annual CSE intake of approximately 480 seats scales to a batch strength exceeding 2,000 due to multiple specializations; alumni and student forums on LinkedIn and ReviewAdda note that intense competition limits Tier-I placements to roughly 13% of candidates, underscoring the need for proactive upskilling, personal projects and coding practice to secure top roles.

In contrast, VIT Chennai’s B.Tech in CSE (AI & ML) is A++ NAAC-accredited, with a focused AI-centric curriculum covering machine learning, neural networks, computer vision and natural language processing. Its placement cell reported a 93% success rate in 2024–25, generating 3,160 offers (2,192 unique) from over 632 recruiters including Microsoft, Google and Adobe, and an average package around ?10 LPA facilitated by the V-NEST startup and research foundation’s industry-driven projects. The program’s smaller cohort ensures more personalized training and direct access to AI/ML labs and faculty-led research.

Comparatively, core CSE at LPU provides broader foundational knowledge and flexibility to pursue specializations later, whereas VIT’s AI & ML track offers early domain depth and stronger average remuneration. Criticism of LPU often stems from large batch sizes, perceived dilution of individual attention and competitive placement dynamics, yet official reports affirm robust placement percentages and recruiter diversity. Given your preference for a core CSE path, LPU’s established infrastructure, global collaborations and high placement percentage validate your choice when complemented by self-driven skill development.

Recommendation: Accepting LPU’s CSE core program aligns with your interests in comprehensive computer science fundamentals and offers strong placement support; mitigate batch-size competition through targeted certifications, internships, and coding projects. If specialization in AI & ML and higher average packages are paramount, consider VIT Chennai, balancing your core preference against domain-specific opportunities. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |11031 Answers  |Ask -

Career Counsellor - Answered on Jul 02, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Career
Sir I am getting gl bajaj cse core and jss university noida cse ai ml I am confused which one to choose because I somewhere have a fear that taking cse ai ml specialization will restrict my job opportunities compared to cse core But if we compare the college gl bajaj and jss university noida then I feel like I should opt for jss although the core cse vs cse ai ml is confusing me
Ans: GL Bajaj Institute of Technology and Management’s core CSE program boasts a consistent 90–100% placement rate over the last three years and an average package of INR 7.35 LPA, supported by over 600 campus recruiters and ample internship opportunities. Faculty are actively engaged in R&D via industry and government collaborations, teaching in a campus with advanced laboratories for microprocessor and embedded systems, a fully air-conditioned, Wi-Fi-enabled library, auditorium, hostels and sports facilities. The curriculum emphasises foundational computing principles with elective streams and integrates project-based learning. JSS Academy of Technical Education Noida’s specialised CSE (AI & ML) branch provides a four-year NEP-aligned CBCS program with dedicated AI, ML and data-science labs and a 120-seat intake. Its placement cell secures over 90% placement rates in its computing branches with an average package of Rs 7 LPA and 170+ recruiters including Amazon and JP Morgan Chase. JSS Noida’s infrastructure comprises air-conditioned lecture theatres, modern seminar halls, well-equipped labs, high-speed Wi-Fi campus, separate boys’ and girls’ hostels and robust student support services including counseling and mentorship.

Recommendation:
Between these options, recommendation is JSS Noida CSE AI & ML for its field-specific curriculum, dedicated AI/ML labs and over 90% placement record in emerging tech roles. However, if you prioritise a core computing foundation, flexible elective streams across software domains, extensive project opportunities and a research-active faculty with strong industry ties, GL Bajaj CSE core is advisable. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |11031 Answers  |Ask -

Career Counsellor - Answered on Jul 21, 2025

Asked by Anonymous - Jul 21, 2025Hindi
Career
Hello Sir I got admission in LPU Phagwara in B.Tech CSE in Applied AI in collaboration with KALVIUM. Is this the right course choice over core cse as this course covers CORE CSE SUBJECTS AND AL ML CYBER SECUTIRY FULL STACK DEVELOPER etc. Sir, is LPU the right choice for B.Tech CSE or Should I prefer Benette Uni Greater Noida or I have to try for UPES Dehradun. I score 71% in class 12th and 83.76 in JEE
Ans: Lovely Professional University’s B.Tech CSE (Hons) in Applied AI with Kalvium integrates core computer-science subjects alongside AI, ML, cybersecurity and full-stack development through industry-partnered labs, faculty-led hackathons and mandatory internships, yet its CSE placement rate lagged 50% in 2024 and the average package stood near ?3 LPA for core CSE. Bennett University Greater Noida delivers a traditional CSE curriculum with NAAC A+ backing, NBA accreditation and centralized career services, achieving a 60–65% CSE placement rate and an average package of ?7.99 LPA over the last three years. UPES Dehradun’s CSE offers NAAC accreditation, world-class AI/cloud labs and robust industry ties, with a 91% overall placement rate, an average CSE package of ?8.59 LPA and top-10% students securing ?17.69 LPA. All three institutions possess accredited programs, modern infrastructure, experienced faculty and active placement cells.

Recommendation: Prioritise UPES Dehradun CSE for highest placement consistency, competitive average packages and specialized AI/ML lab exposure. Consider Bennett University CSE for balanced infrastructure and solid recruiter diversity. Opt for LPU’s Applied AI only if early AI/ML specialization interests outweigh placement concerns and you secure strong internship support. All the BEST for a Prosperous Future!

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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.

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