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Nayagam P

Nayagam P P  |12430 Answers  |Ask -

Career Counsellor - Answered on Nov 17, 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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Premal Question by Premal on Nov 16, 2025Hindi
Career

Hello Sir, my son is 15 and he is going to give std 12th science exams in feb 2026,he studies in gujarat board and get 85 to 95 percentiles in school exams. sir he is interested in computer science and i dont know anything about engineering as i am a commerce student.Sir please suggest the best for him and what tech is going to be in demand in future. and also suggest best engineering colleges in gujarat. Thanks

Ans: With your son's impressive 85-95 percentile performance in school exams, he possesses competitive academic foundation for pursuing Computer Science Engineering in premier Gujarat institutions through JEE Main 2026 or GUJCET pathways, both of which accept Gujarat board qualifications without additional eligibility complications. Computer Science Engineering represents India's highest-demand technical field through 2030, driven by exponential growth in artificial intelligence, machine learning, cybersecurity, cloud computing, and emerging quantum technologies—sectors projected to generate 350,000+ new positions annually. AI/ML integration is becoming mandatory across all software roles, with cybersecurity, cloud architecture (AWS/Azure/GCP), blockchain technology, and edge computing emerging as critical skill sets commanding premium salaries. His 85-95 percentile trajectory suggests realistic targeting of mid-tier to premium government colleges if sustained through 12th board exams and JEE Main preparation, requiring approximately 150-200+ marks (corresponding to 75-95 percentile in JEE Main) for securing CSE seats in top-tier government institutions. Admission pathways include: JEE Main Score (for IITs, NITs, IIITs nationwide), GUJCET Score (for select Gujarat government/private institutions), or GUJCET for alternative colleges. Eligibility mandates minimum 45% aggregate in 12th Science (Physics, Chemistry, Mathematics) for general category, with no JEE Main appearing percentage barrier despite popular misconceptions. Top government colleges (IIT Gandhinagar, SVNIT Surat, LDCE Ahmedabad) offer affordability (INR 80,000-2,50,000 annually) with CSE BTech placement rates averaging 64-72%, while SVNIT specifically records CSE average compensation and highest package reaching 15.86 LPA and 62 LPA respectively (2024-2025). Nirma University and PDEU represent leading private options with CSE placement percentages 85-90% and competitive packages, though fees significantly higher (INR 10-15 lakhs annually). Top 5 Government Colleges: (1) IIT Gandhinagar—NIRF #1, highly selective, CSE ultra-competitive, average package approximately 18 LPA, placement 95%+, JEE Main ranks under 1,500 typical; (2) SVNIT Surat—NIRF #15, CSE placement 72%, average package 15.86 LPA, JEE Main CSE cutoff ranks 3,000-8,000; (3) LDCE Ahmedabad—Government prestigious college, CSE 68% placement, fees INR 90,000 annually, JEE Main cutoff flexible; (4) VGEC Ahmedabad—Established government institution, CSE strong, fees INR 7,500 annually, excellent value; (5) GEC Gandhinagar—Government option, CSE availability, fees INR 15,000 annually. Top 5 Private Colleges: (1) Nirma University, Ahmedabad—NIRF top-ranked private, CSE placement 85%+, average package 7.84 LPA, fees INR 10-12 lakhs; (2) DA-IICT Gandhinagar—Autonomous prestigious, CSE placement 90%+, average 17.10 LPA, fees INR 12 lakhs; (3) PDEU Gandhinagar—Strong infrastructure, CSE placement 75%, average package 6.75 LPA, fees INR 11 lakhs; (4) DDU Nadiad—Respected private, CSE 70% placement, affordable fees INR 5-6 lakhs; (5) CHARUSAT Anand—Quality academics, CSE good placement (~75%), moderate fees INR 8-9 lakhs. Backup Entrance Options Beyond GUJCET/JEE Main: BITSAT (for BITS Pilani campuses), VITEEE (for VIT Chennai/Vellore if willing to relocate), or direct institutional entrance tests (Nirma and PDEU accept both merit + entrance).? When time permits, explore the 'EduJob360' YouTube channel, which features comprehensive videos on JEE, GUJCET, and engineering college admission processes. All the BEST for Your Son's Prosperous Future!

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Good Evening Sir My Son jee 2023 percentile is 96.42 %. He is interested for B. Tech. in Computer Science. We belongs to Haryana State. I want to know that in Computer science which field should be choosen for future and ongoing happenings/ career options : 1) Computer science OR 2) Computer engineering OR 3) Computer science & engineering OR 4) Computer science & engineering (artificial intelligence & machine learning) Or 5) Computer science & engineering (blockchain) OR 6) Computer science & engineering (data science) OR 7) Computer science & engineering (cyber security) OR 8) Computer science & engineering (internet of things) OR 9) Computer science & engineering (genome engineering & technology) OR 10) Computer science & engineering (drug engineering) OR 11) Computer science & engineering (robotics) OR 12) Computer science & engineering (energy engineering) OR 13) Electronics & communication engineering with minor degree in electric vehicles. Kindly reply for better future of my son.
Ans: Selecting a specialisation in Computer Science is a tough decision. While all the specialisations have immense career potential and shall thrive in the future, it is also crucial to gauge your child's interest. I recommend that your son should research about these topics individually and understand what all fields he finds interesting. If he is still not able to get clarity on his interests, he should join colleges that allow him to choose these specialisations after some time into the degree. This shall allow him to gain exposure in all of the fields and gauge his interests accordingly.
At Scaler School of Technology, we teach the students the fundamentals of Computer Science in the first 18 Months, let them experience the corporate world in the next 12 months and then, they finally get the option to make an educated decision about what specialisations they want to pursue. Additionally they would also get industry mentors who would help them know more about the specialisation and opportunities.

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Nayagam P

Nayagam P P  |12430 Answers  |Ask -

Career Counsellor - Answered on Jul 22, 2026

Ramalingam

Ramalingam Kalirajan  |11347 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2026

Money
icici pru Nifty IT index fund? is this good for investment now?
Ans: You are looking at the IT sector after a phase of underperformance. That itself is a sensible thought process. Many quality IT companies are trading below their earlier peak valuations. Long-term opportunities may emerge if earnings growth improves.

» My Assessment On Sector-Based Investing

– An IT-focused fund is a sector fund.

– Sector funds can deliver strong returns during favourable cycles.

– But they can also remain stagnant for several years.

– Returns depend heavily on one industry.

– If global technology spending slows, performance may suffer.

– US economic growth, interest rates and technology budgets also influence results.

– Hence, sector funds carry higher risk than diversified equity funds.

» Why I Am Not A Big Fan Of Index Funds

– Index funds invest purely based on index weightage.

– No fund manager can avoid expensive stocks.

– No flexibility to move away from weak companies.

– No opportunity to increase allocation to emerging winners.

– The fund simply follows the index, whether markets are attractive or expensive.

– During market corrections, there is no active risk management.

– Investors get average market performance, not better-than-market performance.

– In concentrated sectors like IT, this limitation becomes even more important.

» Benefits Of Actively Managed Funds

– Experienced fund managers can identify future leaders early.

– They can reduce exposure to companies facing business challenges.

– They can manage sector allocation based on opportunities.

– They can maintain cash when valuations become excessive.

– They can take advantage of changing market conditions.

– Over long periods, good active funds have often created meaningful alpha over benchmarks.

» Should You Invest Now?

– If your existing portfolio already has adequate exposure to diversified equity funds, a small allocation to the IT sector may be considered.

– However, making a large investment into a single sector may not be prudent.

– For most investors, diversified actively managed equity funds remain a better core strategy.

– Sector exposure should generally remain a satellite allocation and not the foundation of wealth creation.

Regularly:

– Review your overall asset allocation first.

– Check existing exposure to technology stocks through mutual funds.

– Assess your investment horizon. Ideally 7+ years for sector funds.

– Avoid investing based on recent performance alone.

– Use staggered investments instead of deploying a large lump sum at one time.

– Keep the majority of equity allocation in diversified actively managed funds.

» Final Insights

– The IT sector may offer opportunities over the long term.

– However, a sector-based index fund carries concentration risk and lacks active management flexibility.

– For most investors, diversified actively managed equity funds remain a stronger and more balanced wealth creation option.

– If you want IT exposure, keep it limited and supplementary rather than making it a major portfolio holding.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

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

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Nayagam P

Nayagam P P  |12430 Answers  |Ask -

Career Counsellor - Answered on Jul 22, 2026

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Hi Sir, My son is pursuing a BSc in Physics Honors from St. Stephen's, Delhi, and wishes to study quantum physics. One option is to do a master's from abroad after exiting the 3rd year, and another is to complete the BSc 4th year and then do a PhD. He got a 9+ GPA at St. Stephens, 96.6% in intermediate, and the 99.4th percentile in CUET. Any suggestions and strategies for foreign universities with good quantum labs? Money is not a constraint; I already secured a 2 crore fund for his study. Masters may need funds, as PhDs are mostly sponsored by the universities.
Ans: Param Sir, With a stellar 9+ GPA from St. Stephen’s and a 99.4 percentile in CUET, your son is an exceptionally competitive candidate for elite global institutions specializing in quantum physics. To align with international degree standards and significantly bolster his portfolio through advanced research, he should prioritize completing the four-year B.Sc. (Honours/Research). This path enables him to target world-leading hubs such as the Massachusetts Institute of Technology (MIT), California Institute of Technology (Caltech), Harvard University, Stanford University, and the University of Waterloo for direct-entry PhD programs, which typically provide full tuition waivers and tax-free living stipends. Alternatively, he may consider specialized Master’s-to-PhD trajectories at prestigious institutions like ETH Zurich, TU Delft, the University of Oxford, the University of Cambridge, and the University of California, Berkeley, where a master's degree is often a common prerequisite for doctoral research within the European system. In Japan, highly regarded programs for quantum research include the University of Tokyo, which is a global leader in physics, as well as Tohoku University, Kyoto University, Osaka University, Nagoya University, Kyushu University, and the Okinawa Institute of Science and Technology (OIST), which offers specialized fully funded interdisciplinary PhD programs. To succeed, his strategic application framework must focus on securing high scores in the GRE Physics subject test and obtaining competitive research internships at premier Indian institutes like the Tata Institute of Fundamental Research (TIFR) or the Indian Institute of Science (IISc). Finally, ensuring his Statement of Purpose clearly articulates a focused research intent in quantum information, quantum materials, or optics will be critical for gaining admission to top-tier global labs, including the Max Planck Society in Germany. All The Best for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |12430 Answers  |Ask -

Career Counsellor - Answered on Jul 22, 2026

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Hi, my son got 425 marks in neet. belongs to MP, general category. please suggest chances of govt seat in mbbs. If it is not than what is next better option is ? should he opt for BDS or BAMS? if pvt mbbs chance is there, what could be the total cost of course ?
Ans: Based on official 2025 MP DME counselling data, a General category candidate from Madhya Pradesh with 425 NEET UG marks faces almost impossible odds for a Government MBBS seat through the 15% All India Quota and low chances through the regular 85% MP State Quota. While most Unreserved government seats closed well above this score in Round 1, low-to-moderate chances might exist if cut-offs drop substantially in later rounds or stray vacancies at newer colleges, though these should be treated as lucky exceptions. For example, last year’s cut-off for the Amaltas Institute of Medical Sciences in Dewas was 446. Conversely, securing a private MBBS seat in MP or other states is a moderate to high possibility depending on financial flexibility, with total course costs ranging from roughly Rs.50 lakh to over Rs.1.2 crore. If private medical colleges exceed the budget, BDS offers excellent ROI and strong long-term opportunities through MDS or private practice, while BAMS provides growing career potential in the expanding AYUSH sector. Your son should logically order their preferences as Government MBBS, Affordable Private MBBS, Government BDS, Government BAMS, Private BDS, and finally Private BAMS. Even with the marginal admission boost from the 2026–27 MBBS seat expansion, competition remains intense, making it critical to participate broadly in MCC, MP State, Deemed University, and AACCC counselling across all rounds with a strategic mix of dream, realistic, and safe choices. All The Best for Your Son's Prosperous Future!

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