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Mayank

Mayank Kumar  |192 Answers  |Ask -

Education Expert - Answered on Jun 09, 2023

Mayank Kumar is the co-founder and managing director of upGrad, a higher EdTech company. With over 10 years of experience in the education sector, Kumar can offer guidance about degree courses, campus, job-linked and executive programmes and studying abroad.An MBA graduate from ISB Hyderabad, he holds a BTech in mechanical engineering from IIT Delhi.... more
RAJIV Question by RAJIV on Jun 05, 2023Hindi
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Hello sir, I am an government employee after completion of 3yrs diploma in ECE, now I want to complete my B.tech. in ECE by distant learning suggest if any applicable for me to improve my career.

Ans: Some reputable options include Indira Gandhi National Open University (IGNOU), Sikkim Manipal University Distance Education, Amity University Online, and Lovely Professional University Distance Education.
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Abhishek

Abhishek Shah  |76 Answers  |Ask -

HR Expert - Answered on May 15, 2023

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Hello sir, I have completed diploma in ECE and currently working in railway now I want to complete next higher education i.e. B. tech. Please help me for online courses to upgrade my qualifications.
Ans: Hi Rajiv,

Congratulations on completing your diploma in ECE and pursuing higher education! Online courses are a great way to upgrade your qualifications while working. Here are a few recommendations for online B.Tech courses:

NPTEL (National Programme on Technology Enhanced Learning): NPTEL offers a wide range of online courses in various engineering disciplines, including ECE. They are conducted by prestigious Indian institutes and are often free of cost.

Coursera: Coursera is a popular platform that provides online courses from top universities and institutions around the world. You can find B.Tech courses in ECE offered by universities like Stanford, Georgia Tech, and University of Colorado Boulder.

edX: Similar to Coursera, edX offers online courses from leading universities. You can explore their catalog for B.Tech courses in ECE and related fields. Massachusetts Institute of Technology (MIT) and University of California, Berkeley are some of the institutes that offer courses on this platform.

Udemy: Udemy is a platform with a wide range of online courses, including B.Tech courses in ECE. The courses are created by individual instructors, so it's important to check reviews and ratings before enrolling.

Online Programs by Universities: Many universities offer online B.Tech programs designed for working professionals. Look for reputable universities that offer distance or online learning options in your desired specialization.

Remember to review the course content, instructor credentials, and student reviews before enrolling in any online course. It's also beneficial to consider programs that provide hands-on projects or industry collaborations for practical experience. Good luck with your B.Tech journey!

Regards,
Abhishek Shah

..Read more

Mayank

Mayank Kumar  |192 Answers  |Ask -

Education Expert - Answered on Aug 31, 2023

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How I can complete my B. TECH IN ELECTRONIC AND COMMUNICATION ENGINEERING ONLINE. I HAVE COMPLETED DIPLOMA COURSE IN THIS STREAM AND NOW IN GOVT. JOB. PLEASE TELL ME SOME AICTE APPROVED INSTITUTE TO IMPROVE MY EDUCATIONAL QUALIFICATION WHICH IS HELPFUL FOR MY JOB.
Ans: ​Hi Rajiv, Completing your ​B.Tech in Electronic and Communication Engineering online while maintaining your government job is a ​g​ood idea. There are several AICTE-approved institutes ​available but might have to thorough research before you make an informed career move:

​a) Look for institutes that have a good reputation and offer flexible schedules suitable for working professionals. Some well-known institutions in India that offer online engineering programs include:

Indira Gandhi National Open University (IGNOU)
​Amity University Online
​Sikkim Manipal University Distance Education

​b) Once you've identified institutes, carefully review the course curriculum and syllabus for the B.Tech program they offer. Ensure that the subjects align with your career goals and cover relevant topics in electronic and communication engineering​, and also check the admission requirements for the program​. Since you have completed a diploma course, you might be eligible for lateral entry into the B.Tech program, which could save you some time.

​c) Since you're working, it's important to choose a program that offers flexibility in terms of scheduling and study pace. Look for programs that provide online lectures, recorded materials, and support through digital platforms.​ Also, it is very critical to ensure that the institute and the program you choose are accredited by relevant authorities. AICTE approval is important, but also consider other accreditations​ and alternate skills that might add value to your degree.​ There are several online education companies that might help you achieve that; would advise you to assess your skill competencies and take a call.

​d​) Understand the cost of the program, including tuition fees, examination fees, and any other expenses​ + Compare different institutes to find the one that offers a good balance of quality education and affordability.​ Balancing work, studies, and personal life can be challenging​, hence ensure you plan your schedule effectively to allocate time for studying, assignments, and exams.

​e) Online programs might offer opportunities to interact with fellow students through discussion forums or online platforms. Networking can enhance your learning experience and provide you with a broader perspective.​ Remember that pursuing an online B.Tech program requires dedication and discipline​, and it's a significant commitment,​ so ensure your career goals are aligned with the same.

..Read more

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Ramalingam

Ramalingam Kalirajan  |5194 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

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Hi Sir, I have invested in a policy of HDFC bank with name HDFC Life Uday. In this I have been investing 24K per annum. Same amount i have to invest for 8 years that will end up in 2026. Maturity time is 2030. Can you please tell me how much amount will i get on maturity.
Ans: You have invested in the HDFC Life Uday policy, a traditional, non-linked insurance plan. You are paying Rs. 24,000 annually for 8 years, with the policy maturing in 2030.

Understanding HDFC Life Uday
HDFC Life Uday offers a combination of savings and protection. It includes a guaranteed sum assured and potential bonuses. However, this type of policy has several disadvantages.

Disadvantages of HDFC Life Uday
Lower Returns: Traditional policies typically offer lower returns compared to other investment options. The returns may not keep up with inflation.

High Costs: These policies often have higher costs due to premiums covering both insurance and savings components.

Limited Liquidity: Traditional policies have long lock-in periods. Accessing your money before maturity can be difficult and costly.

Inflation Impact: The fixed returns may not keep pace with inflation, reducing the purchasing power of your maturity amount.

Complexity: The structure of bonuses and guarantees can be complex and less transparent.

Surrendering the Policy
Given the disadvantages, it may be beneficial to surrender your HDFC Life Uday policy and reinvest in more efficient options.

Surrender Value: Before making a decision, check the surrender value of your policy. This is the amount you will receive if you terminate the policy early.

Reinvestment Strategy: Consider reinvesting the surrender value in mutual funds. Mutual funds can provide higher returns and greater flexibility.

Benefits of Mutual Funds
Higher Returns: Mutual funds generally offer higher returns compared to traditional policies.

Diversification: Mutual funds invest in a variety of assets, reducing risk.

Liquidity: Mutual funds are more liquid, allowing you easier access to your money.

Professional Management: Funds are managed by experts who adjust investments based on market conditions.

Flexibility: You can choose from a wide range of funds based on your risk appetite and financial goals.

Investing Through a Certified Financial Planner (CFP)
Consider investing in mutual funds through a Certified Financial Planner (CFP). Here’s why:

Expert Guidance: A CFP provides personalized advice tailored to your financial goals.

Regular Monitoring: They continuously monitor and adjust your investments to optimize returns.

Comprehensive Planning: CFPs offer a holistic approach, covering all aspects of your financial life.

Final Insights
Given the lower returns, high costs, and limited liquidity of traditional policies like HDFC Life Uday, it may be wise to surrender the policy. Reinvesting in mutual funds through a Certified Financial Planner can provide higher returns, greater flexibility, and professional management. Review your surrender value and consult a CFP for personalized advice and a comprehensive financial plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Samraat

Samraat Jadhav  |1891 Answers  |Ask -

Stock Market Expert - Answered on Jul 24, 2024

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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