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Patrick Dsouza |1444 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 03, 2024

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Asked by Anonymous - May 13, 2024Hindi

Career

Hello, I am 21 years old bcom graduate. I got 82%in 10th and 83%in 12th(commerce) and 8.14 cgpi in bcom. I have taken a gap year to foxus on my CA INTER exams but I was not able to pass that exam. So instead I shifted my focus on CAT exams. And because of my CA exams i was not even ablt to do any extra activities of college club. I am currently not doing any job and i am also planning to give CAT in 2024. So is it possible for me to get into IIM ABC or should i shift my focus and do some extra things to improve my CV?

Ans: First step would be to get a call from IIM ABC. Improving your CV will not help you to get a call in this short period of time. The only way to get a call would be to do well in CAT. If improving CV does not affect your preparation for the exam then can devote your time for that purpose.

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Mayank Chandel |2607 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Sep 07, 2024

Question by Ankit - Sep 05, 2024Hindi

Career

I have scored 94.3 percent in class 10 and and 78 percent in class 12 ( as I was not well for that entire year and so unable to study) and currently pursuing btech CSE . So can I get admission in IIM Ahmedabad if were to score good in btech like a good CGPA of above 8 and score good in CAT.

Ans: Hi Ankit
yes you can get into IIM with the criteria you have mentioned.

Patrick Dsouza |1444 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 25, 2025

Question by Maitri - Jun 23, 2025Hindi

Career

Sir actually after taking bsc i come to know about iim . I am preparing for cat from past 1 yr. sir could you please tell me what extra course or degree or activity in college or any internship or any thing I should do for making my cv shortlist..my parents are hoping for high package so I should plan it accordingly. Please help sir . Give any relevant suggestions.

Ans: Whatever extra activities you do in college will not add to your CV value. Focus on ensuring that your academic performance in college is good and focus on getting a good percentile in CAT to get into a good college. Can write XAT as well, XLRI is a good college. I had a student this year who did BSc just graduated this year (2025) and managed to get admission to XLRI Jamshedpur. As a fresher with a little lower academics getting into XLRI would be easier as compared to top six IIMs.

Nayagam P P |10901 Answers |Ask -Follow

Career Counsellor - Answered on Jul 28, 2025

Question by Aditya - Jul 27, 2025Hindi

Career

Sir/Ma'am, I got 92.4 percent in 10th, 89.2 percent in 12th. General category B.Tech in mechanical engineering. If I prepare very well for CAT exam, and have work experience and decent marks in college, is there a chance of getting into IIM Ahmedabad?

Ans: Aditya, To be eligible for admission to IIM Ahmedabad’s flagship MBA (PGP) program, you must hold a bachelor’s degree with at least 50% marks (or equivalent CGPA) as a General category candidate. Your 10th and 12th marks—92.4% and 89.2% respectively—position you well in the academic segment of the selection process. For your B.Tech in mechanical engineering, you need to maintain excellent college grades, as IIM Ahmedabad considers the graduation marks within the applicant pool for engineering/technical disciplines. Work experience, if relevant and well-documented (ideally between 24 to 36 months), contributes up to 5% in the initial shortlisting and final selection formula. Scoring above the qualifying minimum in the CAT exam is paramount; for the General category, a minimum overall 80 percentile with at least 70 in each section is required to be eligible for the Analytical Writing Test (AWT) and Personal Interview (PI), but securing a shortlist typically demands a 99 percentile or higher due to tough competition. Ultimately, IIM Ahmedabad’s selection gives significant—though not exclusive—weight to CAT, academic performance, work experience, and performance in the AWT and PI stages. Non-academic factors such as academic and gender diversity also play a limited role. If you perform very well in the CAT, have solid B.Tech marks, and strong work experience, your overall profile can be competitive for a call, understanding that every year’s actual shortlist depends on the entire applicant pool’s quality.

Recommendation: If you combine strong B.Tech grades, significant work experience, and an exceptionally high CAT percentile, your profile is eligible and can be considered for IIM Ahmedabad, though admission is highly competitive and depends on surpassing both the academic and CAT score thresholds set by the institute annually. All the BEST for a Prosperous Future!

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Latest Questions

Ramalingam Kalirajan |11023 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 08, 2026Hindi

Money

Hi, Am a regular reader of 'Money' section, and wanted to start by thanking you for sharing valuable insights and guidance. A common comment at the end of most of these suggestions is a recommendation to connect with a Certified Financial Planner, which is where my questions are: a) Do these CFPs charge basis a % of portfolio or hourly rate or any other basis? b) Could you please advise on a criteria for selection - is there a rating or grading information that can be viewed to decide on a particular planner? Could you share a few tips on how to make an educated choice? c) Is there a repository / directory that provides CFPs by area [e.g., I went to "FPSB India", and it did provide me with area based options, but only as a list of names. Not sure if it provides any further credentials. Are there any more such sites that helps with a brief Introduction / write-ups for CFPs before connecting with them? Thank you.

Ans: Thank you for reading the ‘Money’ section regularly and for your kind words. It is encouraging to see readers thinking deeply about advice quality and not just products. Your questions are very relevant and show a mature approach to personal finance.

» How Certified Financial Planners usually charge
– A Certified Financial Planner can operate under different models
– If the CFP is also registered as an Investment Adviser (RIA):

They may charge a fixed annual fee

Or an hourly / project-based fee

Or a combination of fixed fee plus a small percentage of assets under advice
– If the CFP is also a Mutual Fund Distributor (MFD):

They do not charge fees directly to the client

They earn performance-linked commissions from mutual funds

This commission is built into the product cost and paid by the fund house
– The key point is transparency: a good CFP clearly explains how they are compensated before engagement

» How to choose the right Certified Financial Planner
– Start with credentials, not popularity
– Check that the person is an active CFP professional and not just using the term loosely
– Important selection criteria to consider:

Years of experience in comprehensive financial planning, not just selling products

Ability to cover all areas like goal planning, tax, insurance, retirement, estate basics

Process-driven approach rather than product-driven conversations

Willingness to understand your full financial picture before suggesting solutions
– During the first interaction, observe:

Are they asking more questions than giving quick answers?

Are they explaining concepts in simple language?

Are they comfortable saying “this is not suitable for you”?
– Comfort and trust matter; financial planning is a long-term relationship

» Ratings, reviews, and public information – practical view
– Unlike doctors or hotels, CFPs do not have a universal rating or grading system
– Online reviews can help, but should not be the only filter
– Consistency of thought, clarity of communication, and ethical positioning are more important than star ratings

» Directories and where to find CFPs
– FPSB India is the primary and official body that lists Certified Financial Planners
– Their directory helps you find CFPs city-wise, which is a good starting point
– The limitation, as you noticed, is that it mainly provides names and basic details
– Beyond this:

Many CFPs maintain their own websites, blogs, or YouTube channels where their thinking is visible

Articles, interviews, and long-form content give a better sense of philosophy than a simple profile
– There is no single platform today that provides detailed write-ups and comparisons of CFPs
– Hence, shortlisting 2–3 CFPs and having an introductory discussion is often the most practical method

» How to make an educated final choice
– Prefer planners who focus on planning before products
– Avoid those who push for immediate switches or drastic actions in the first meeting
– Ask clearly:

How will my progress be reviewed year after year?

How do you handle market ups and downs with clients?
– A good CFP aims for long-term discipline and peace of mind, not short-term excitement

» Final Insights
– Your approach of understanding the advisory ecosystem before engaging is wise
– There is no “perfect” charging model; clarity, alignment, and ethics matter more
– Spend time evaluating the planner, just as they evaluate your finances
– The right Certified Financial Planner adds value not only through returns, but through structure, clarity, and confidence

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Reetika Sharma |531 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 09, 2026

Question by Srinathan - Jan 27, 2026Hindi

Money

Aged 35 years, have pf 8k per month, accumulated 5L. I have a housing loan of 50k pm. I earn 1L. I have 25k as savings with respect to insurance and mf. I would like to know a quick way to rotate the remaining even small amount to a better savings. Please guide.

Ans: Hi Srinathan,

Can you please elaborate your monthly expenses for me to help you in a better way.
What you have mentioned is confusing, 25k - currently SIPs and insurance running or want to take that.

List things with little more clarity. Looking for your reply.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Komal Jethmalani |459 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 06, 2026Hindi

Health

Hello Komal, my child develops stomach discomfort and rashes shortly after consuming guava. While guava is considered a healthy fruit, I am concerned about possible allergic reactions. How common is guava allergy, and what are safe alternative fruits that provide similar nutritional benefits without triggering such reactions?

Ans: Guava allergy is uncommon, especially compared with well?known fruit allergies like kiwi, banana, or citrus. But it can happen. Discuss your child’s symptoms with a pediatrician or allergist. Gentle, child?friendly substitutes include oranges, strawberries, pineapple and mango. Some high ?fiber fruits include apples (with skin), pears, berries, papaya. Hydrating fruits include watermelon, cantaloupe, grapes, peaches. To avoid triggering discomfort offer one new fruit at a time.

Komal Jethmalani |459 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 06, 2026Hindi

I have tried multiple diets in the past and tend to lose weight initially but regain it quickly. As someone weighing 110 kg, what are the common dietary mistakes that prevent long-term weight loss, and how can I build eating habits that support lasting results?

Ans: Long?term weight change is much more about habits and structure than about strict rules. Some diets are too restrictive. Many people swing between perfect days (clean eating, strict rules) or off days (overeating, guilt, giving up). Irregular timing makes hunger unpredictable and increases impulsive eating. Lack of sleep and chronic stress increase appetite. Follow balanced meals. Prioritize protein at every meal. Add foods that are high in volume but low in calories. Stop when you feel satisfied, not stuffed. Aim for 7–9 hours of sleep and be active.

Komal Jethmalani |459 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 06, 2026Hindi

Health

I have been diagnosed with type 2 diabetes and am on medication, yet my blood sugar levels fluctuate significantly despite eating home-cooked food. Could you explain how meal timing, food combinations, and portion control influence glucose spikes, and how a diabetic diet should be structured for better day-long sugar stability?

Ans: Eating at consistent intervals supports smoother insulin response and reduces spikes and crashes. Long gaps between meals can cause the liver to release stored glucose, raising blood sugar. Skipping meals often leads to overeating later, causing sharp spikes. Late dinners tend to cause higher overnight glucose because insulin sensitivity drops in the evening. The balance of carbohydrates, protein, fat, and fiber in a meal strongly affects how quickly glucose enters your bloodstream. Eat protein + vegetables first, carbs last. This order has been shown to reduce post?meal glucose spikes. Even healthy foods can raise blood sugar if portions are too large. Aim for protein (eggs, yogurt, tofu, lentils); fiber (vegetables, oats, whole grains) and moderate carbs. Exercise regularly and stay well hydrated.

Komal Jethmalani |459 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 06, 2026Hindi

Health

Respected Komal, I am a father of a 9-year-old girl, and I want to ensure she grows up healthy with good skin and overall well-being. I often come across terms like “glass skin” on social media, but I understand that for a growing child, health is more important than cosmetic trends. Could you please advise what kind of balanced diet, fruits, vegetables, and daily habits can naturally support clear, healthy skin in children of her age without using supplements or restrictive diets?

Ans: Children’s skin reflects their overall nutrition. The goal isn’t perfection, it’s consistency. Key food groups that help skin stay healthy include fruits like oranges, berries, kiwi, mango, watermelon, apples,; vegetables like carrots, sweet potatoes, spinach, broccoli, cucumbers; healthy fats from avocado, nuts (if safe), seeds, olive oil, fatty fish like salmon; protein from eggs, chicken, beans, lentils, yogurt, tofu and whole grains like oats, whole?wheat bread, brown rice. Follow simple daily structure and use sweets and packaged snacks as “sometimes foods,” not forbidden foods. Regular activity improves circulation, which helps skin look healthy and bright. Emotional well?being matters too.

Komal Jethmalani |459 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Feb 09, 2026

Asked by Anonymous - Feb 06, 2026Hindi

Health

Komalji, my daughter is 10 years old and currently weighs around 40 kg. As a parent, I am unsure whether this weight is appropriate for her age or if it is something I should be concerned about. I do not want to put her on any restrictive diet, but I also want to ensure she remains healthy as she grows. Could you please advise whether this weight falls within a healthy range and, if needed, what kind of dietary and lifestyle changes should be followed for a growing child?

Ans: A normal, healthy range for this age is generally 25.8–42.7kg in weight. Your daughter’s weight (~88 lbs) falls well within this broad range. But weight alone doesn’t tell the whole story. We need to look at BMI?for?age percentile, growth pattern over time, family body types, puberty stage. Children need steady energy and nutrients for brain and body development. Instead, focus on healthy habits for the whole family. Include fruits and vegetables, whole grains, lean proteins (eggs, beans, chicken, fish), dairy or fortified alternatives. Keep sugary drinks as occasional treats. Kids need about 60 minutes of activity per day, but it doesn’t have to be structured exercise. Also, she would need need 9–12 hours of sleep.

Vipul Bhavsar |127 Answers |Ask -Follow

Tax Expert - Answered on Feb 08, 2026

Asked by Anonymous - Feb 08, 2026Hindi

Money

I joined my first company in 2021 My basic salary was around 41K My EPF contribution was 1800 one side I checked my EPF passbook, there EPS is getting deducted every month. I wanted to ask since my basic salary was more than 15k but my EPF contribution was 1800 one side (total 3600) 1. Am I eligible for EPS? 2. Will I get pension after retirement?

Ans: Yes you shall get pension after retirement

Vivek Lala |324 Answers |Ask -Follow

Tax, MF Expert - Answered on Feb 08, 2026

Question by LALCHAND - Feb 06, 2026Hindi

Money

I HAVE NOTED I THING THAT IS WHENEVER MARKET GOES UP THE ADDVERTIMENT OF "MUTUAL FUND SAHI HAI" TELECAST ON TELEVISION APPROXIMATELY 20 TO 50 TIME IN A DAY. AND WHENEVER MARKET GOES DOWN THE IS NOT SHOWN ON ANY TELEVISION BROADCAST, WHY? I AM PROFESSIONAL ACCOUNTANT, I HAVE NOTED THAT IN LAST 20 MONTH MY MANY CLINTES (APPOX. 50) MADE LOSS IN ALL OF MUTUAL FUND I.E. SMALL CAP OR LARGE CAP, OR MULTI ASSETS. WHY ? I HAVE MADE BANK FD RS 100000 BEFORE 20 MONTH AGO I HAVE MADE RETURN OF APPROX 9500. WHILE THE SAME AMOUNT INVEST IN MUTUAL FUND AT SAME TIME MAKE LOSS 500 INR, I REQUEST TO MR. SACHIN TENDULKAR, ROHIT SHARMA, AND MS DHONI , PLEASE DO NOT MISS GUIDE THE PEOPLE FOR MUTUAL FUND AT THIS TIME.

Ans: Hello, i understand your point of view but this is as per the marketing budgets of the companies.
Also you have to understand that market does not perform in linear manner, it has multiple cycles like Up cycle, Down cycle and Consolidation phase. So when someone invests in Mutual funds or equities, they need to have a long term investment horizon and by long term i mean 5-7 years plus.
Hence, please do not blame it on media as they just advertise and not provide you with the solution you need as the solution you need is very customized and the advertisements they run is for the entire population of India.
Get yourself an advisor who can make you understand these concepts before you invest your hard earned money, and not randomly on the basis of any advertisements.

Mayank Chandel |2607 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Feb 08, 2026

Question by Mithun - Feb 06, 2026Hindi

Career

Hello, i wanted to know , how is IISER PUNE , for doing research and BS-MS in Maths. In case of an option other than the normal B tech or BE courses after JEE ?. Thank you

Ans: Hi Mithun
If you’re seriously inclined towards Mathematics + research, and you’re looking for a strong alternative to the usual BTech/BE route after JEE, then IISER Pune is actually one of the BEST options in India.

IISER Pune (Indian Institute of Science Education and Research) is not an engineering college.
It’s a pure research-oriented institute, closer in spirit to IISc Bangalore.

See more questions »

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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