IT Fresher in Startup vs. Capgemini: Which Path Should I Choose?

Ans: Hi Iman
if your interest is more towards research then you can go with iisers without any apprehension.

Ans: Hi Sunandan
if you are not much of a homesick kind of person & food is not a big issue for you then prefer Ramaiah.

Ans: Hi Piyush
Till last year VIT Pune was the most sought option, but this year they have merged VIT & VIIT and people are avoiding it.
For a better campus life, industry exposure & placements MIT-WPU is a better choice.

Ans: Hi Kiran
IIITs were established in the Public Private Partnership model by GOI, the courses of IIITs are more industry-ready. At NITs, the syllabus upgrade takes a long time. Hence the placements are higher at IIITs. In the coming time IIITs admission cutoff will be above NITs.

Ans: Hi
as per the NEET Information brochure
Candidates who have passed Class 12 from Open Schools or as private candidates shall not be eligible to appear for the National Eligibility Cum Entrance Test’. Furthermore, a study of Biology/Biotechnology as an Additional Subject at the Class 12 level also shall not be permissible

Ans: You have a well-diversified portfolio, investing in a mix of large-cap, mid-cap, small-cap, flexi-cap, and sector-specific funds. This balance can help you achieve good long-term growth while managing risk. Yes, you can continue with most of these funds. Your selection covers different market segments and offers a balanced approach. Large-cap funds (like Axis Blue-chip and SBI Blue-chip) offer stability. Mid-cap and small-cap funds (like Canara Robeco Emerging Equities and Nippon India Small Cap) provide growth potential but come with higher risk. Flexi-cap funds (like Parag Parikh Flexi Cap and DSP Flexi Cap) add flexibility in adapting to market conditions. Sector-specific funds (like ICICI Pru Technology) may show volatility but can offer high returns in booming sectors.
Assuming an average return rate of 10-12% per annum for equity mutual funds, Estimated Corpus After 20 Years Using an estimated return of 11%, Your portfolio could potentially grow to approximately Rs 2.24 crores.

Ans: When selling a flat for Rs 60 lakhs, the capital gains tax you will owe depends on how long you held the property. If less than 2 years, the profit will be taxed as short-term capital gains(LTCG) at your applicable income tax slab rate
If you held the property for more than 2 years, the profit is taxed as long-term capital gains at 20% with indexation benefits. Indexation adjusts the purchase price for inflation, which helps reduce the taxable amount.
for Example Let's say you bought the flat 10 years ago for Rs 30 lakhs. After applying indexation, your adjusted cost might be around Rs 45 lakhs (rough estimate). Your capital gains would be: 60L (sale price) - 45L (indexed cost) = 15L.The LTCG tax would be 20%(your income tax rate of Rs 15 lakhs, which is Rs 3 lakhs.
Now let’s see How to Save on Capital Gains Tax? You can save tax on long-term capital gains by investing in Section 54EC Bonds. The Bonds You Can Invest In are REC (Rural Electrification Corporation) Bonds/NHAI (National Highways Authority of India) Bonds, PFC (Power Finance Corporation) Bonds
The Key Features of Section 54EC Bonds are Maximum Investment: You can invest up to Rs 50 lakhs in these bonds within 6 months of selling the property. Lock-in Period: The lock-in period for these bonds is 5 years. Interest Rate: The current interest rate is around 5-5.25% per annum, but this can vary depending on market conditions.
Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: Swapna, even English Literature Postgraduates get opportunities to work in companies, and there are multiple career options for them (other than teaching jobs which you don't like). Some of them are: Content Writer, Technical Writer, Editor/Proofreader, Corporate Communication Specialists, Social Media/Digital Marketing/SEO Specialist, Translator, Film Critic, Media Analyst, Script Consultant, Freelancing Jobs, NGO Communication Officer, or can try even for Govt. Jobs. As I always suggest, please have your Professional LinkedIn Profile, put job alerts for your qualifications for the multiple career options that I have mentioned above. You will definitely get a more suitable job for you. If the need arises, pursue some Certifications also, which will add value in your Resume. All the BEST for Your Bright Future, Swapna.

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Ans: Yes Vansh, of course. Keep upgrading your skills also through online certifications, recommended by your college faculties. I always recommend even 1st year students to have a professional LinkedIn profile. Keep updating it every 3 months, put job alerts, related to the domain, and go through the JD of each job vacancy to know the current/changing job market trends to prepare themselves to be competitive in job market. All the BEST for Your Bright Future.

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