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Nayagam P

Nayagam P P  |10834 Answers  |Ask -

Career Counsellor - Answered on Sep 18, 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 - Sep 17, 2025Hindi
Career

Hello sir I had not prepared for jee mains in my 11 and 12 I decided to do engineering later so I took a drop and gave jee mains, mht cet and Cuet I got 88% in jee mains, 94.74% in mht cet and 718/1000 in Cuet I am getting BS-Chem Hons at St Stephen’s College in DU But I was thinking of a double drop and give jee mains again to get nit Should I take Stephen’s or give jee mains again or partial drop Because I want to do mba through CAT after undergrad. Please guide sir, also how to know if I should actually pursue engineer

Ans: Accept St. Stephen's College without hesitation. The combination of institutional prestige, excellent placement records, strong alumni network, and optimal preparation for your MBA goals makes this choice significantly superior to another uncertain year of JEE preparation. Your 718/1000 CUET score has secured you admission to one of India's most elite institutions – capitalize on this achievement rather than chasing potentially inferior alternatives through repeated attempts at entrance examinations. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10834 Answers  |Ask -

Career Counsellor - Answered on Sep 20, 2025

Asked by Anonymous - Sep 19, 2025Hindi
Career
Hello sir I had not prepared for jee mains in my 11 and 12 I decided to do engineering later so I took a drop and gave jee mains, mht cet and Cuet I got 88% in jee mains, 94.74% in mht cet and 718/1000 in Cuet I am getting BS-Chem Hons at St Stephen’s College in DU But I was thinking of a double drop and give jee mains again to get nit Should I take Stephen’s or give jee mains again or partial drop Because I want to do mba through CAT after undergrad. Please guide sir, also how to know if I should actually pursue engineering
Ans: I think I have already answered your question. Anyway, please note, Your situation requires careful analysis of multiple pathways to determine the optimal decision for your career goals. St. Stephen's College BSc Chemistry (Hons) represents one of India's most prestigious undergraduate programs with exceptional MBA preparation advantages, while engineering through NITs offers different career trajectories. Research from leading educational portals reveals critical insights for your decision.

St. Stephen's College demonstrates outstanding placement records with 80% student participation securing positions, averaging INR 7.5-12 LPA with top packages reaching INR 30 LPA from consulting giants like McKinsey, Bain & Company, and BCG. The institution's Campus Placement Cell facilitates opportunities from second year onwards, with over 200 annual job offers and internships providing stipends up to INR 40,000 monthly. For MBA aspirants, non-engineering backgrounds actually benefit from diversity points in IIM admissions, with IIM Calcutta providing 4 additional points to non-engineers, potentially elevating a 98 percentile candidate above a 99.5 percentile engineer. Chemistry graduates demonstrate strong analytical skills highly valued in MBA programs, with BSc students often excelling in VARC sections where engineers typically struggle.

Double dropping for JEE carries significant risks, with success stories like achieving 320 marks after scoring just 6 initially being exceptional rather than typical. Statistics show 70-80% of CAT aspirants are engineers, creating intense competition, while non-engineers with strong academic records from prestigious institutions like St. Stephen's often secure better MBA placements. Engineering aptitude should be assessed through genuine interest in problem-solving, mathematical thinking, and technical applications rather than solely career prospects. Signs indicating engineering suitability include enjoying systematic problem-solving, strong mathematical aptitude, curiosity about how things work, and comfort with technical complexity. Accept St. Stephen's College BSc Chemistry (Hons) immediately as it provides superior MBA preparation advantages through prestigious institutional brand value, strong placement records, diversity points benefit in IIM admissions, and excellent academic foundation without risking another year. Your 94.74% MHT-CET and 718/1000 CUET scores demonstrate strong academic capability that St. Stephen's will enhance optimally. Double dropping carries substantial opportunity costs with uncertain outcomes, while St. Stephen's offers guaranteed excellence and direct pathways to top MBA programs through proven track records and institutional reputation. All the BEST for a Prosperous Future!

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Latest Questions
Naveenn

Naveenn Kummar  |228 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 10, 2025

Money
Hi, I'm 49 married with 2 kids aged 16 and 11. I work in mid mgmt in a Finance co. Wife is 45 works at a Bank. Combined annual salary is 80 lakhs. Live in a home which just got loan free. Have a rental income of 40k monthly that my wife gets. Mom also lives with us and she gets a rental income of 45k per month. I have invested in a small office space which will be ready by mid 2027 and has a construction linked plan, have to pay 40L more. I Have stocks of 45L and EPF of 60L PPF of 12 L. Have ancestral property in land at native place not much but say 25L. Mom has pledged 50% of her assets to my sister. Liability of office and company car is 6L. School fees and tution fees are paid from rental income and wife chips in. There's maintenance, club membership fees, insurance, repairs and maintenance, kids pocket money, groceries, internet, mobile, maids etc. which I pay. I'm thinking of quitting my job and starting something on my own. I am a guest lecturer at a college which is pro bono and also helping 2 Startups of friends over weekend with a tiny equity stake in one. Is it a right decision? Pressure at work is high, growth chances are minimum. Many colleagues asked to go. The environment isn't very encouraging. Pls advise if I'm ok financially with about 45 lakhs liability. Never got a chance to save as EMIs were 75% of income. I'm unable to get a direction.
Ans: You are 49, with a stable dual-income family, home loan cleared, and some investments in place. You feel stagnated in your job and want to start something of your own. It’s a natural and valid thought at this life stage — but the decision needs to be planned, not impulsive.

At present, your financial base is decent but not fully liquid. You still have about ?45 lakh in liabilities, upcoming education costs for your children, and limited cash reserves. Your wife’s job and rental income can sustain household expenses, but not much beyond that.

The wise move is to continue your job while you explore your business or investment idea part-time. Use the next 18–24 months to:

Clear pending loans, especially the office property.

Build a minimum ?20–25 lakh emergency corpus.

Fund your children’s education separately.

Test and refine your business idea alongside your job.

Before quitting, also discuss openly with your spouse whether she is comfortable with you stepping away from a steady income. Her emotional and financial comfort will determine how smooth your transition is.

In short:
Keep your job, continue your startup or investing interest part-time, strengthen your finances, and plan a structured exit once liabilities are cleared. Freedom feels best when it’s backed by security, not uncertainty.

Contingency buffer and health insurance details:
For detailed financial planning and portfolio reconstruction, please connect with a Qualified Personal Finance Professional (QPFP).

Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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