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Nayagam P P  |10843 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

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Asked by Anonymous - Jul 25, 2025Hindi
Career

Hello sir my son got cet rank 4187. Nwhat choice filling u suggest. He is in dilema of choosing between chemical at ict or cs in any other top colleges in pune or mumbai. Also can choose cs or it thru comedk.

Ans: You have NOT mentioned your son's COMEDK Rank. Admission at COEP, VJTI or ICT is beyond reach with a 4,187 MHT-CET rank; focusing on branches and institutes where seats close at higher ranks ensures certainty. Engineering cut-offs in Mumbai/Pune typically fall around 3,000–5,000 (e.g., PICT Pune’s Chem ≈3,500, TSEC Bandra’s Chem ≈4 000), while CSE cut-offs for mid-tier institutes close near 6,000–14,000. Chemical suits students drawn to process design, material balances and industries like petrochemicals and pharmaceuticals, offering stable core-E roles; it benefits analytical learners comfortable with chemistry/thermodynamics. CSE favors those passionate about programming, algorithms and emerging technologies, leading to broader IT career options and higher entry-level demand. Chemical provides niche depth and plant-based careers; CSE delivers versatility, rapid innovation and greater global mobility. Analytical, detail-oriented profiles excel in Chemical, whereas creative problem-solvers thrive in CSE. Based on these inputs and information, your son's interests, and his long-term goals, he can choose the more suitable option out of these two branches.

Fifteen colleges in Pune/Mumbai where a 4 187 general-open MHT-CET rank guarantees a CAP-round seat include Fr. C. Rodrigues Institute of Technology, Vashi (CSE cutoff ~6 200); K. J. Somaiya Institute of Technology, Vidyavihar (CSE ~6 317); Rajiv Gandhi Institute of Technology, Andheri West (CSE ~12 939); Xavier Institute of Engineering, Mahim (CSE ~13 114); St. Francis Institute of Technology, Borivali (CSE ~12 515); SIES Graduate School of Technology, Nerul (CSE ~13 704); VESIT, Chembur (CSE ~4 785); Thadomal Shahani Engineering College, Bandra (Chem ~4 000); All India Shri Shivaji Memorial Society’s Institute of Information Technology, Pune (CSE ~9 545); Rajarshi Shahu College of Engineering, Tathawade (CSE ~9 748); Pimpri Chinchwad College of Engineering & Research, Ravet (CSE ~10 227); Government College of Engineering & Research, Avasari Khurd (CSE ~13 275); Bharati Vidyapeeth College of Engineering, Navi Mumbai (Chem ~3 500); Dr. D.Y. Patil College of Engineering, Akurdi (CSE ~7 164); Vishwakarma Institute of Technology, Bibwewadi (CSE ~2 823).

Recommendation: Prioritize Chemical Engineering at SIES GST for its accessible cut-off, modern process-engineering labs and strong industry MoUs; follow with CSE at Fr. C. Rodrigues for its robust AI/ML facilities; consider VESIT’s versatile CSE program next for its balanced academics and placements; All India Shivaji Institute’s CSE offers stable state-quota safety; and Rajiv Gandhi Institute’s CSE completes the top five for its comprehensive curriculum and network. All the BEST for a Prosperous Future!

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Asked on - Jul 26, 2025 | Answered on Jul 28, 2025
Sorry forgot to mention he is obc candidate and his comdek rank is 3967, mht cet rank is 4187,
Ans: With an MHT-CET OBC category rank of 4,187 and a COMEDK rank of 3,967, your son has solid prospects for both Chemical Engineering at premier colleges and Computer Science (CS)/Information Technology (IT) at several reputed institutes. In Mumbai and Pune, top options where admission in Chemical Engineering or CSE is highly feasible include Institute of Chemical Technology (ICT), Mumbai (Chemical, Surface Coating Technology), Veermata Jijabai Technological Institute (VJTI), Mumbai (Chemical, CS, IT), College of Engineering Pune (COEP Tech) for Chemical, Pune Institute of Computer Technology (PICT Pune - IT and CSE), Vishwakarma Institute of Technology (VIT Pune - CSE, IT), Sardar Patel Institute of Technology (SPIT Mumbai - CS, IT), MIT World Peace University (MIT-WPU Pune - CSE, IT), Bharati Vidyapeeth Deemed (BVUCOEP Pune - CS, IT), Sinhgad College of Engineering (Pune - CS, IT), and Ramrao Adik Institute of Technology (Navi Mumbai - CS, IT). For Chemical specifically, ICT and VJTI stand out for industry reputation and placements, while COEP Tech is a leading option for both Chemical and CS branches. For CSE/IT, PICT, VIT, SPIT, and MIT-WPU consistently post high placement percentages and modern curricula. These colleges offer strong faculty, innovative learning, extensive industry tie-ups, and a proven track record in both research and job outcomes.

In Bengaluru via COMEDK (rank 3,967), admission for CSE and IT branches is virtually assured at multiple well-established colleges. Highly regarded choices where your son can confidently secure a seat include R.V. College of Engineering (RVCE), BMS College of Engineering (BMSCE), M.S. Ramaiah Institute of Technology (MSRIT), Dayananda Sagar College of Engineering (DSCE), BNM Institute of Technology (BNMIT), Nitte Meenakshi Institute of Technology (NMIT), CMR Institute of Technology (CMRIT), Sir M. Visvesvaraya Institute of Technology, New Horizon College of Engineering, Alliance College of Engineering, Acharya Institute of Technology, East West Institute of Technology, Reva University, SJB Institute of Technology, Global Academy of Technology, Rajarajeswari College of Engineering, Don Bosco Institute of Technology, Cambridge Institute of Technology, Dayananda Sagar Academy of Technology and Management (DSATM), and PES University (Electronic City Campus). These institutes feature strong placement cells, up-to-date tech infrastructure, active coding and tech culture, frequent internships and research opportunities, and excellent faculty-student ratios. Top COMEDK colleges fill CSE/IT seats below 8,000 rank, so a rank of just under 4,000 opens admission at nearly all major private colleges in Bengaluru, including DSCE, NMIT, BNMIT, and CMRIT.

When weighing Chemical Engineering at ICT Mumbai—a nationally top-ranked institute with industry-leading faculty, specialized research, and a long record of core-sector placements—against CS/IT at PICT, VIT, SPIT, DSCE, or NMIT, it is crucial to consider long-term interests: Chemical Engineering at ICT or VJTI leads to rewarding careers in core process/chemicals, analytics, R&D, and emerging energy sectors, but placement numbers and packages may not match leading CS branches. CS/IT at top private Mumbai, Pune, or Bengaluru colleges present broader tech exposure, dynamic job opportunities, consistently high placement rates (often 90%+), and significant growth in IT, Data Science, and AI careers, though with larger batch sizes and more competition.

Recommendation
For Mumbai/Pune (Chemical/CSE): Prioritize ICT Mumbai (Chemical), VJTI Mumbai (Chemical/CS/IT), COEP Tech (Chemical/CS), PICT Pune (CS/IT), and VIT Pune (CSE/IT) for academic reputation, placements, and industry alignment. For Bengaluru (COMEDK, CSE/IT): Prefer RVCE, BMSCE, MSRIT, DSCE, and NMIT, as these colleges guarantee tech-driven peer groups, robust placement support, and national brand value. If your son’s genuine interest leans toward technology, CSE/IT at reputed Mumbai/Pune or Bengaluru colleges is advantageous for long-term flexibility and job prospects; but if he has a passion for chemical sciences and core engineering, ICT stands as the gold standard. Both paths ensure strong careers, but CSE offers faster-moving, broader opportunities while Chemical at ICT is the top choice for those committed to the field.
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Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Money
Hope you are doing great. I am 32 years old. I earn roughly 1.1lkh per month. My PPF portfolio is around 19lkh(started in 2018) giving 12.5k per month(From next year 80CC tax benefit will be of no use) lock in till 2033, I also have SIP of 30k (Axis Index- 5k, Axis Midcap-5k & SBI Small cap-20k(Since-2022 & add lumpsum sometimes))- Invested Value Now Rs 12.26lkh & Return- Rs 15.84lkh. I Invest in mostly blue chip equity stocks time to time from 2021 & have invested round about 10lkh & return is 15lkh. My monthly spend is around 30k. I have stacked emergency fund in India Post & Liquid fund. I can invest max 30k if PPF continues & 42.5k if PPF doesn't continue after the lock in is over. With 5% step up annually. I have a few questions: 1. Since PPF will not contribute to my tax savings from next year what should my approach be? Stop PPF & wait till 2033 for it to mature. And invest 12.5k SIP in MF? If yes where should I & in what ratio. 2.I want to reach the goal of 4-5cr in the next 15 years. Kindly guide me. Thanks in advance. Regards
Ans: Hi Subho,

There is no benefit of continuing your PPF investments for tax benefit. Redirect extra 12.5k per month to mutual funds.
But you cannot close your PPF account before 2033, hence contribute only 500 per year to keep the account active.

Total new monthly contribution in MF - 42.5k.
Current selection of funds is not recommended. Your overall contribution in small cap is way too much to continue. Distribute equally in all 3 funds from now on. And can add a flexicap fund of 10k per month in your portfolio.

Try to increase your SIP whenever possible. As with current allocationand contribution, you will get 3.4 crores after 15 years. Where as if you do an annual stepup of 10%, you can get 5 crores after 15 years which you want.

Also as your portfolio size is big, taking a professional advisor's help is recommended. And avoid investing in direct stocks. Reinvest the stock money into mutual funds for a consistent and safe growth.

Hence do consult 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/

...Read more

Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Asked by Anonymous - Nov 17, 2025Hindi
Money
Hi, I'm sorry in advance for a lengthy read and numerous questions. I'm 38 years old and would like to retire in next 10 years or less and I would like to reach portfolio worth 4 CRs and then retire. I already have a term insurance of 2 CR and gold of around half a KG. I currently have 20Lkh (15 for investment and 5 as emergency fund) that I would like to invest in lumpsum. My current portfolio (around 1 year old) is as follows and their Current value: SIPs were stopped in Jan 2025 due to financial reasons. 1. Parag Parikh Flexi Cap Fund : 181920 (+9.93%) 2. Quant Small Cap Fund: 166550 (-1.74%) 3. Motilal Oswal Midcap Fund: 1,66,193 (+1.03%) 4. Nippon India Large Cap fund: 157025 (+8.67%) 5. HDFC Balanced Advantage Fund: 132040 (+6.06%) 6. Nippon India Nifty 500 Momentum 50 Index Fund: 84714 (-15.30%) 7. Stock portfolio: 810000 (+6%) I need help with a few of things. 1. Investing the large sum of 15 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? Or is it not the right time to invest the bulk amount? 2.SIP: I would like to reinstate SIP of 1.3 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? 3. 5 lakh emergency fund: Which specific asset class/MF should this be invested so that I can make a decent return better than savings account while this amount is easily accessible for emergencies. Please suggest specific fund even if it is debt/liquid/hybrid fund. Thank you for your help in advance.
Ans: Hi,

It is great that you are taking a step forward towards your early retirement after 10 years. Let us analyse things one at a time.
1. Emergency Fund - You want to put 5 lakhs as emergency fund for you. It is a good amount and you can park in liquid mutual fund. Go for ICICI or HDFC liquid funds for this.
2. Term Insurance - 2 crores cover is good enough. If you share monthly income, would be able to calculate exact amount more accurately.
3. Health Insurance - Take one with a minimum cover of 15 lakhs to cover yourself and family.
4. Current MF - currently around 8.5 lakhs value. Good funds. Continue this amount in these.
5. Stocks - current value of 8.1 lakhs. Direct stock investment is very risky and nor recommended as it requires complete tracking and knowledge. You can consider shifting the entire amount in mutual funds for your retirement.

You want to invest a lumpsum of 15 lakhs and start a SIP of 1.3 lakhs again. You can choose to invest 15 lakhs in equal proportion in your current mutual funds and start SIP in the same funds as well.
However, you can also consider consulting a professional advisor who can build a portfolio for you for all your investments. An advisor guides you with right investment throughout and monitors all investments periodically to cater the requirement and market movements.

Your goal is to reach a corpus of 4 crores in 10 years. With current investments you can only get 3.5 crores in 10 years. You need to increase your SIP by 10% each year to get 5 crores.

Also make sure you have no financial liability left when you retire. And have a dedicated fund for other major goals such as kids education, travel, their marriage etc.

Hence do consult 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/

...Read more

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