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Nayagam P

Nayagam P P  |10951 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 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 13, 2025Hindi
Career

Hello Sir My son is confused between three option First is MSRIT mechanical engineering second Dayanand sagar college of engineering Electronic engineering and lastly BIT mesra civil engineering. He is passionate about civil engineering but also not fully convinced due to bad placement of the particular branch. Please guide us sir

Ans: MSRIT’s Mechanical Engineering department is renowned for its robust curriculum, 90–95% placement consistency, and a faculty with extensive research credentials and over 40% holding doctorates. The institute offers modern labs, strong industry collaborations, and a vibrant alumni network, ensuring well-rounded technical and professional growth for students. Dayananda Sagar College of Engineering’s Electronics Engineering program is NBA-accredited, with modern infrastructure, research-oriented faculty, and a placement rate of about 70–75% for electronics-related branches; the college’s electronics graduates benefit from Bangalore’s tech ecosystem and active industry tie-ups. BIT Mesra’s Civil Engineering programme is NAAC-accredited with state-of-the-art labs, comprehensive exposure to modern tools, and a placement rate of 60–65% over the past three years, with many students opting for higher studies or government roles. While civil engineering placements are comparatively lower, the branch offers strong research orientation and prepares graduates for diverse opportunities in infrastructure and public sector domains.

Recommendation: If passion for civil engineering is paramount, BIT Mesra offers a solid academic foundation and research focus, but placement rates are modest. For a blend of strong placements and technical exposure, MSRIT Mechanical is the preferred choice; Dayananda Sagar Electronics is suitable for those seeking industry-driven roles in Bangalore’s technology sector. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |10951 Answers  |Ask -

Career Counsellor - Answered on Jun 27, 2025

Career
Sir my son is getting civil engineering in NIT Durgapur ECE in bhagalpur IIIT mechanical engineering in NIT Agartala which is best for him
Ans: Among the three options, NIT Durgapur Civil Engineering offers a reputable academic environment but has a lower placement rate (59.42% in 2024) and an average package of ?7.39 LPA, making it less attractive for immediate core placements compared to other branches. IIIT Bhagalpur ECE provides a modern curriculum with focus on AI and data science, and decent placements in IT and analytics, but the placement percentage is about 61%, and the campus is still developing, with limited infrastructure and mixed student reviews. NIT Agartala Mechanical Engineering stands out with a 99% placement rate for its 2023 batch and a robust average package, supported by a strong industry network and research output, ranking 132nd in India for engineering. NIT Agartala’s mechanical branch also benefits from a high number of recruiters and nearly all eligible students placed, offering better core and interdisciplinary opportunities than the other two options. While NIT Durgapur and IIIT Bhagalpur have their strengths, NIT Agartala Mechanical provides the most consistent placement outcomes and campus stability.

Recommendation: NIT Agartala Mechanical Engineering is the best choice for your son among the three, offering the highest placement rate, strong industry connections, and a stable academic environment. This branch will provide a solid foundation for both core engineering careers and interdisciplinary opportunities in the future. All the BEST for the Admission & a Prosperous Future!

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Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Reetika

Reetika Sharma  |608 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Mar 19, 2026

Asked by Anonymous - Feb 17, 2026Hindi
Money
HI i am a 42 years pvt sector employee. I am currently investing in MF SIP of 50/52k per month (avg age 5 years) and accumulated MF corpus till date including a few old ones stands at 33 lakhs. NPS of 6k per month, PPF 4k per month and 25k pm in EPFO including employers share. I have an o/s home loan of 1.25 crs @ 7.10% and plan to pay it off in next 10 years. Retirement age is 58 and desired corpus by retirement should be 7-8 crores. Please advice am i on right track and any changes to the investment strategy required? also i do plan to increase allocation to mf by min 15% annually till retirement age. My Term cover is 50 lakhs. Mediclaim of 20 + 20 lakhs top up and my wife has a 50 lakhs mediclaim. We dont plan any kids.
Ans: Hi,

You have done great by accumulating so much at your age. This is commendable.
you want to retire after 16 years at the age of 58. Let us go through your financials in detail:
- Monthly contributions in PPF, EPF and NPS - 35k - good, continue it. This entire amount is going into debt instruments and will be helpful to cover your expenses immediately after retirement.
- Current HL outstanding - 1.25 cr at 7.1% - this is quite cheap. Do not rush into prepaying the loan. Take 10 years time and pay it slowly. Rather focus on increasing contributions towards MF as that will build your long term wealth.
- 33 lakhs MF corpus with 52k SIP at 15% annual stepup. This will generate 9 crores corpus when you turn 58 (more than your target). Stay focussed and make sure that you have chosen right funds wrt your goals. Investing on random tips and only direct index funds is not sufficient.
- Term cover - 50 lakhs - can be increased to 1cr.
- Health - take a super top up of 50 lakhs considering high medical costs and your increasing age.

Overall things are going good. You just need to maintain the discipline. You can also consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

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

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