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Nayagam P

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Career Counsellor - Answered on Jul 15, 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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hamdan Question by hamdan on Jul 15, 2025Hindi
Career

Hello mam/sir. I have just finished my grade 10 and looking forward start my jee preparation journey. I came across a course offered by both aakash and allen coaching centres which is a grade 11 and 12 integrated jee course. It is a 2 year course. My question is that is the course relevant and will the results given by the centre be valid incase IIT/NIT wants my grade 12 results? How reliable and relevant is the course? What are the advantages and disadvantages of attending this course rather than going to a regular school?

Ans: Hamdan, please clarify the meanings of 'rather than going to a regular school.' Are you referring to 'dummy schools'? Additionally, please clarify what is meant by 'Will the results provided by the center be valid?'. You have finished your 12th grade from which board? And currently in which board? Your Home State? Your clarifications will enable me to answer precisely.
Asked on - Jul 15, 2025 | Answered on Jul 16, 2025
I have finished my grade 10 from Cambridge IGCSE curriculum. I came across the Allen champions course offered by Allen which is a Grade 11 and 12+JEE preparation integrated program. Is it a good idea attending this program instead of a normal CBSE affiliated school (i am not referring to dummy schools sir). What I meant by "will the results be valid?" is that apart from my JEE marks, do I need to attend school regularly separately to appear for my 12th board exams or do I write my CBSE 12th boards as an Allen student and will I have any issues because of this? Will it be recognised by IITs? Because IITs need both JEE marks and 12th marks sir.
Ans: Integrated two-year programs from Allen or Aakash combine Class 11 and 12 syllabus coverage with JEE-Main/Advanced coaching, offering structured pedagogy, exhaustive test series and dedicated doubt-clearing. These courses focus heavily on JEE-pattern problems while ensuring board-exam topics are covered through targeted revision and mock tests, making them highly relevant for aspirants. However, they are not schools and cannot legally register you for CBSE board exams or issue Class 12 marksheets. To satisfy IIT/NIT eligibility—which mandates a recognized board certificate with required subjects and 75 percent-aggregate or equivalent percentile—you must separately enrol in a CBSE-affiliated institution or as a private candidate with the CBSE under its bye-laws. Attending an integrated coaching course while officially registered through a “dummy” or private-candidate route ensures your Class 12 results are valid and recognised by JoSAA and state counselling.

The advantages of integrated coaching include continuous JEE-focused mentorship, time-synchronised preparation for boards and entrances, rich test-data analytics and certification pathways (e.g., Allen’s Success Achiever/SMTS series). The disadvantages lie in the absence of formal school accreditation, limited extracurricular and sports exposure, mandatory parallel school enrolment for board eligibility and potential overemphasis on JEE at the expense of holistic CBSE performance. Balancing rigorous coaching with formal board registration is essential to ensure both your Class 12 marks and JEE rank meet IIT/NIT admission criteria.
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Nayagam P

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Career Counsellor - Answered on Sep 20, 2024

Asked by Anonymous - Sep 20, 2024Hindi
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My child is studying class 10 in kv school. For jee preparation, shall i put in integrated school for class 11 or continue the same school with separate coaching classes?
Ans: Depends upon some factors which you will have to take into consideration (1) Distance between your Home & Integrated School. If the travel time is less than 20-25 minutes or 5 kms (whichever is lower), can go for Integrated Option. (2) Integrated School has tie-up with which Coaching Institute? Timings of each Coaching Institute in School differs from one another. Check whether the timings will be suitable for your child and what time your child will be able to reach home? (3) Timings of Integrated School & whether on Saturdays also classes will be held till evening? If classes are held only half-day, then OK. If held till evening on Saturdays also, not advisable as your child will get stressed and can't/will not get time to study at home (4) Pressure your child can bear if put in Integrated School & your Son's academic performance. If the child is self-motivated, dedicated & academic performance has been good, both will work out (Integrated & Separate Coaching Class) (5) Distance between your Home & Coaching Classes for weekday & weekend classes. If it is less than 5 kms or the travel time is less than 20-minutes, you can prefer Weekday or Weekend classes. However, please make sure that your child's school timing should not clash with the timings of Coaching Classes. Value Addition Information: Please avoid relying only on JEE. Instead, make your child appears in 5-7 Entrance Exams to have multiple options to choose the most suitable one. All the BEST for Your Child's Bright Future.

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Nayagam P

Nayagam P P  |9745 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Career
I have finished my grade 10 from Cambridge IGCSE curriculum. I came across the Allen champions course offered by Allen which is a Grade 11 and 12+JEE preparation integrated program. Is it a good idea attending this program instead of a normal CBSE affiliated school (i am not referring to dummy schools sir). What I meant by "will the results be valid?" is that apart from my JEE marks, do I need to attend school regularly separately to appear for my 12th board exams or do I write my CBSE 12th boards as an Allen student and will I have any issues because of this? Will it be recognised by IITs? Because IITs need both JEE marks and 12th marks sir.
Ans: Integrated two-year programs from Allen or Aakash combine Class 11 and 12 syllabus coverage with JEE-Main/Advanced coaching, offering structured pedagogy, exhaustive test series and dedicated doubt-clearing. These courses focus heavily on JEE-pattern problems while ensuring board-exam topics are covered through targeted revision and mock tests, making them highly relevant for aspirants. However, they are not schools and cannot legally register you for CBSE board exams or issue Class 12 marksheets. To satisfy IIT/NIT eligibility—which mandates a recognized board certificate with required subjects and 75 percent-aggregate or equivalent percentile—you must separately enrol in a CBSE-affiliated institution or as a private candidate with the CBSE under its bye-laws. Attending an integrated coaching course while officially registered through a “dummy” or private-candidate route ensures your Class 12 results are valid and recognised by JoSAA and state counselling.

The advantages of integrated coaching include continuous JEE-focused mentorship, time-synchronised preparation for boards and entrances, rich test-data analytics and certification pathways (e.g., Allen’s Success Achiever/SMTS series). The disadvantages lie in the absence of formal school accreditation, limited extracurricular and sports exposure, mandatory parallel school enrolment for board eligibility and potential overemphasis on JEE at the expense of holistic CBSE performance. Balancing rigorous coaching with formal board registration is essential to ensure both your Class 12 marks and JEE rank meet IIT/NIT admission criteria.

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Janak

Janak Patel  |63 Answers  |Ask -

MF, PF Expert - Answered on Jul 31, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Money
I am 45yr old and my take home salary is 1.75L. I have 30L investment in mutual fund and 50L investment in stock market. My monthly SIP in MF is 50K. I am also planning to buy a property valued 1CR. I am planning to pay 40% of the amount using my PF withdrawal and rest of the amount I am planning to take bank loan and pay EMI monthly. Kindly advise how can I improve my financial planning.
Ans: Hi,

You are currently invested in Stocks and Mutual funds and you also have your PF. Assuming your MF investment is also more equity based, you have 80L invested towards Equity.
Your PF balance is not mentioned but as maximum limit of withdrawal is 90% for house purchase, I assume you have 50 lakhs or more in PF.
Your Equity to Debt allocation is approx. 60:40 favoring Equity. Even in this allocation, direct stock market investment which is 40% has the maximum risk exposure. MF are managed by professionals and they are risky but relatively less.

For a 1 Cr property, home loan would be 60 lakhs, which amounts to approx. 57K of EMI (depends on interest rate and tenure, assumed 15 years for now). So it may impact your monthly saving capacity to start with.
With 40% withdrawn from PF, your Equity Debt ration would change to 90:10. Thus increasing your risk exposure.
Your PF balance is considerably reduced.

So the first question you should ask yourself is - How much RISK am I willing to take at this time ?
With time, as you approach retirement age, will this RISK level be the same, chances are - no. At that time would you feel more secure with safer investment options. If yes, then PF balance needs to be much higher than what you would probably accumulate over 15 years.

Typically, for your profile (based on age alone), I would recommend you use the direct investments in Stock market to supplement the house purchase plan. You can of course keep some stock investments in good quality companies as a long term investment.
Also evaluate your Mutual Funds to see if they are providing you good returns of above 12%. If you find any scheme that is underperforming, it would be prudent to exit it and use those funds also towards the house purchase.

Beyond the above if you still fall short for the 40% part of house purchase, then you can consider PF withdrawal.
Note PF has a purpose its primarily to provide for retirement. Hence it is prudent to withdraw at the right time and get the benefit of not paying any tax on it. So even at 8% assured returns, its quite attractive considering most other investments will attract tax on withdrawal.

Equity on the other hand has risks associated but also reward those who can stay disciplined with their investments. But it will attract taxes.

So - The question you need to ask is how much Risk to take and what would be preferred asset allocation you can keep without losing sleep for the next 15 years until retirement.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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Nayagam P

Nayagam P P  |9745 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Career
Sir my JEE Mains 2025 percentile is 93.40 and my rank is 98264. I am male of general category from Rajasthan. Please recommend some good colleges that I can get in csab counselling
Ans: Vidit, With a 93.40 percentile (General, Rajasthan Home State) and a JEE Main rank of 98,264, your realistic CSAB counselling targets include lower-demand NITs, IIITs, and GFTIs where closing ranks for engineering branches often extend beyond 90,000. In the Home State quota for Rajasthan, consider NIT Uttarakhand and NIT Meghalaya for branches like Civil, Mechanical, and Electronics. Among IIITs, IIITDM Kurnool, IIIT Sri City, and IIIT Nagpur regularly admit General candidates with ranks up to 100,000 in non-CSE branches. GFTIs such as IIIT Delhi (second-tier seats), School of Planning and Architecture, Bhopal, and IIIT Kota also fill seats in lower-demand streams. Additionally, Rajasthan’s own GFTI, Malaviya National Institute of Technology Jaipur, may open spot rounds for core branches at higher ranks. These institutes meet the five critical benchmarks—AICTE/NBA accreditation, qualified faculty, modern labs and infrastructure, strong industry links, and transparent placement processes—with placement rates ranging 60–85% across engineering programs and median packages reflective of branch demand. Pursuing any of these colleges for branches aligned with your interest (e.g., ECE, IT-Allied, Civil) will ensure a credible technical education and balanced campus experience under the Rajasthan Home State quota.

RECOMMENDATION: In CSAB rounds, prioritize NIT Uttarakhand and NIT Meghalaya for robust campus environments and accredited programs, then target IIITDM Kurnool and IIIT Sri City for specialized IT-Allied branches, followed by GFTIs like SPA Bhopal, ensuring you secure a solid engineering education aligned with your percentile and domicile. Have 2-3 back-ups for Private Engineering Colleges also if CSAB does not work out for you, based on your expectations. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9745 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Career
Hello I'm 35 years old i hv 15months old baby. I have completed my mbbs course from abroad and not clear fmge exam yet. Difficult to focused on preparing for fmge exam handling baby husband and join family. I get frustrated depressed anger comes all the time.ibeck then I was ambitious girl but now lack of confidence lack in everything. So what carrier to choose from now? Can I restart with any course or what to do very confusing. My life is over now. There's no respect those who don't earn. Pl give me good advice so that I can bring better future for my baby
Ans: Many doctors who have completed their MBBS abroad but have not cleared the FMGE (Foreign Medical Graduate Examination) in India face similar dilemmas, especially when balancing family responsibilities, emotional well-being, and career aspirations at a later stage. The FMGE pass rate is low, and the exam can be overwhelming for mothers with young children and household responsibilities, often leading to frustration or self-doubt. However, your medical background is valuable and opens diverse pathways beyond clinical practice in India. Alternate options include enrolling in online or hybrid post-graduate diploma or certificate courses in medical writing, clinical research, pharmacovigilance, public health (MPH), hospital administration (MHA), or health informatics. These courses—offered through institutions like the Public Health Foundation of India (PHFI), Indian Institute of Clinical Research (ICRI), Medvarsity, and Symbiosis—generally require minimal entrance barriers, flexible timings, and often blend self-paced study with project work or internships. Roles in medical content writing, clinical research, health insurance, hospital and healthcare management, medical coding, pharmaceuticals, and telemedicine are accessible to foreign MBBS graduates and in high demand. Careers in public health, NGOs, digital health startups, and medical counseling are also viable, with NGOs and research bodies valuing your education, communication skills, and empathy. Registered health consultants, healthcare IT specialists, nutritionists, wellness program managers, and educators for pre-medical entrance coaching are in demand, and some private hospitals and health-tech companies employ graduates for junior management, documentation, process quality, or outreach roles. Upskilling through shorter, certified programs (3–12 months) either digitally or through nearby centers can build confidence and reignite professional engagement. Look for institutions that provide recognized certifications, industry-accredited faculty, robust academic support, project-based learning, and established placement assistance—essentials for sustainable career progression and personal development.

Building a new career may seem daunting, but your foundational knowledge, life experience, maturity, and resilience are assets that bring credibility and empathy in many healthcare-adjacent and academic roles. If you choose to reskill, your medical education will remain an advantage as you transition into roles that offer both professional fulfillment and a better work-life balance suited for mothers. Take small, actionable steps—start with a focused short-term course or consider part-time/remote roles initially to gain confidence and practical exposure. Positive and self-compassionate thinking, coupled with steady professional upgrades, will influence your family and child, modeling resilience and lifelong learning.

RECOMMENDATION: Prioritize short-term upskilling—such as clinical research, hospital administration, medical writing, or public health—through reputed online or hybrid programs that offer flexible scheduling and strong placement support, allowing you to quickly enter the workforce. Your medical expertise, when combined with targeted training, can unlock impactful roles, restore your confidence, and enhance your family’s well-being while balancing personal responsibilities and securing a respected, independent career path. All the BEST for Your Prosperous Future!

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