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Struggling Student From Kolkata Seeks Career Advice

Dr Dipankar

Dr Dipankar Dutta  |963 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 15, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Asked by Anonymous - Mar 15, 2025Hindi
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Career

Greetings to Gurus, I am student from Kolkata,West Bengal. I have completed my ISC in year 2020 from Commerce stream without maths. I am from Lower Middle Class Family, finance is big issue for me. After ISC I enrolled in B.COM(Hons) course from a college under Calcutta University. I was ambitious of being Chef from childhood. But during Covid times and finance problem, I haven't pursued. During my college life, My first three semesters completed online in Covid period, after the lockdown period, my fourth semester got offline and I just passed in one paper out of 4 and then my 5th semester exam got cleared after that I appeared for rest 3 papers of sem 4 and cleared 2 papers and in sixth semester cleared 3 paper out of 4. Again in 2024, I appeared for 6th sem 1 backlog paper and cleared it but don't able to clear 4th sem one backlog paper. So, I have started my UG in year 2020 but not able to clear it till 2024 because of 1 paper(Taxation) and I have last option to reappear in 2025 examination. I want to earn good in my life, suggest me some opportunities and a way to get out from this loop. Mentally getting depress also.

Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.
Asked on - Mar 15, 2025 | Not Answered yet
Thanks for the guidance,will surely stick on the same.

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Pradeep

Pradeep Pramanik  | Answer  |Ask -

Career And Placement Consultant - Answered on Aug 03, 2024

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I have completed my civil engg from reputed govt college in 2016 and after that I went for gate coaching i got 35 marks in gate 2017. (I know this is not my best I can do better). After that I started preparing for technical govt exams. After one year some of my prelims were missing by .25 marks 2 marks that time I gave up. And started doing site internship to start my own civil engg consultancy firm. But I got one opportunity to do job as lecturer in polytechnic college so I started doing job at polytechnic college. After 6 months again I started doing studies and cleared mains of state 2019 PSCs Assistant engg. And missed rrb je post by 2 marks in mains. After that exam corona came and I couldn't keep myself on the track and one year again wasted. In 2021 March I have started preparing for prelims and cleared prelims and for mains exam I joined one online class named super 40 and already half syllabus was over at time.of joining so I started watching lectures and as lectures were lengthy and so much lectures were there so I couldn't do revision properly and I lost my self confidence due to that coaching and it was totally waste of money. Again that time it was time everyone was saying do software classes to get job and many of mine friends done those classes so I also joined one to get job and successfully wasted another 6 months. I don't know what to do now. I still feel that If I can study for another 5/6 months I can clear rrb je. In between I got offer of 25k per month as site engineer I denyed that. It's been 8 years since my degree and still. unemployed. Please help me out.
Ans: Dear Friend , When You are not focussed or keep on changing your plans , it is bound to happen. In these precious 8yrs you could have made your career in Civil Engg. However you wanted to start your consultancy or then wanted to try your hand in Govt Jobs or some times you tried your hand in teaching but quit the job. If you delay in taking a firm decision , even getting a job in your core field will be difficult. So get into a stable job and build you career.

..Read more

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on May 31, 2024

Asked by Anonymous - May 16, 2024Hindi
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Career
Sir ,I have been preparing for government exams since 2018 June firstly I prepare for gate in 2019 with college semester in 2019 gate result I.e, 2019 March I qualify with 46 marks that's somehow good score that time for me because I prepare with self study due to over confidence and lack of family income I didn't join coaching and started preparing for UPSC engineering services with full dedication at the age of 20.5 in 2019 eligible for ese 2020 with 21 yr age somehow I got 150 around marks and didn't qualify prelims that time cut off around 240 due to railway has taken his seats so UR cut off increase by 60 which is 188 last in 2019 ese so I got in depression that I prepare with full dedication and even I have a gap of 100 marks in prelims so somehow I came to home in june 2020 after a huge gap of depression in 4,5 months in delhi and started for gate and ese again same condition I couldn't even qualify prelims and got covid in 2021 and from that 2021 I joined UNACADEMY work 1.5 yrs and again I started preparation due to less salary now I have a gap of 5 years no masters degree no industrial skillls and family income less than 20k per month what should I do go and search for civil engineering related job or build a confidence and again prepare one more attempt
Ans: I have gone through the details of your Efforts, Failures, Depression & Your family’s Economic condition.

Based on the above factors, here are the suggestions for you:

1) Till your age bars, try to attempt other comparatively easier (than UPSC) Competitive Exams for Government Jobs & prepare daily for 2-3 hours before & after you come back from work.

2) But AVOID attempting those Competitive Exams which you have already done a number of times and failed. Lack of change in preparation strategies / change in Govt. Policy are the reasons for your subsequent failures.

3) Keeping in view your family’s economic condition & your AGE now, it is suggested to DEFINITELY go for any work, related to your domain, to support your family.

4) Try to upgrade your skills by joining short-term courses with any Institute, related to your domain (or) any other domain you are passionate over. However, make sure that the Institute you join provides JOB GUARANTEE after you complete the Course. Or you can join any ONLINE Courses which are much in demand in job-market.

5) If time does not permit for you to prepare for Competitive Exams & if you feel you are highly demotivated for Govt. Exams, it is advisable for you to fully FOCUS on your Career, related to Civil Engineering & gain good experience.

Hope I have clarified your doubts.

If you need any other clarifications or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU for more useful information on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

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Radheshyam

Radheshyam Zanwar  |1425 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 26, 2024

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Career
Sir I wrote neet exam and did not score well by doing partial drop in btech biotechnology and when I was in 2nd sem I got detained due to lack of attendance and after neet 2024 my life turned into traumatic situation by sitting at home and my parents are worrying about me . When I was starting my inter pandemic was there and studies got disturbed and my father have taken admission in inter college which was 30km from our house , so he thought there will be no offline classes and at middle of my 2nd year college started to take offline classes, by doing up and down I used to get tired and I didn’t care my health and got health issues after that my life got worse because my father had undergone eye cataract surgeries due to diabetes and that situation made in me to become doctor after giving even 3 attempts I am not expecting mbbs seat, and even I consulted doctor he gave me sleeping pills to get sleep and this neet 2024 exam is most traumatic experience in my life and looking for settle down fast and earn money to stabilise our financial situation, please give me advice
Ans: Hi Sashwantha.
Many problems are interrelated to each other.
Anyhow, you failed to crack NEET irrespective of any reason(s).
Sad to hear about the father's health issue. But related to health, nobody can help.
You have then been admitted to inter-college which is far away from your home i.e. 30 KM.
Up-down daily was a little bit difficult job.
Why your doctor has given sleeping pills to you, am unable to understand by me.
Now, think more practical way.
To settle down or to earn money, you must join some job-oriented certificate courses that will help you start earning.
Keep your mind calm and quiet to handle the worst situation that you are facing.
Take a proper/wise consultation from your family member/friend which you trust more.

If you are not satisfied with the reply, pl ask again without any hesitation.
If satisfied, please like and follow me.
Thanks

Radheshyam

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Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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