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Virender

Virender Kapoor  | Answer  |Ask -

Self-improvement Expert - Answered on Jan 30, 2023

Virender Kapoor is the former director of Pune's Symbiosis Institute of Management and the founder of the Management Institute for Leadership and Excellence in Pune.He has authored more than 36 books on self-improvement designed for school students, senior managers and CEOs.... more
Asked by Anonymous - Jan 28, 2023Hindi
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Career

Hello, I'm an Architectural 3D visualizer having experience of 12+ years. I started my career in New Delhi but my home town is Jaipur, so I shifted back there after 3 years. Now I'm not getting that much of exposure & salary but I'm working there to meet the ends & do freelance also for extra income. I'm still not satisfied with my career & want to relocate to New Delhi again but as my experience is more now, I'm not getting the proper payout as I've to shift with my family there. Kindly guide what to do.

Ans: I feel you need to be in a big town where your expertise is meaningful and there are organizations to absorb you. You should expand your search to Bangalore, Mumbai and Chennai and dont stick to Delhi alone.
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Ramalingam

Ramalingam Kalirajan  |10231 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Feb 21, 2024Hindi
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Is there any answer for my query asked on 07 Jan 2024. Male 42 Year, Wife 38 (housewife), Two Kids age 9 and 5.5 (both school going), living in Ghaziabad, Job in Gurugram. I had a loss of my own property when my brother cheated on me, then I had another loss of around 25L in a property. Because of this, I disturbed mentally and physically both. Currently living on rent in Ghaziabad and doing daily up & down to Gurgaon for job which takes around 4.5 hrs. Thought of shifting to Gurgaon, but because of cost factors (like daily expenses, rent, school fees etc) are very high in Gurgaon as compared to Ghaziabad. But not at the age of 42, health does not allow the 4.5 hrs of daily journey as well as my kids want my time also. Ultimately, point is that, if I will stay in GZB and purchase a property here, I will have to commute daily for 4.5 hrs OR if I'll go to Gurgaon, meeting the expenses are difficult. Kindly suggest.
Ans: It sounds like you're facing a challenging situation with various factors to consider. Here are a few suggestions:

Consider prioritizing your health and well-being: A 4.5-hour daily commute can take a toll on your physical and mental health, especially considering your age and family responsibilities.

Evaluate your financial situation carefully: Compare the costs of living in Ghaziabad versus Gurgaon, including rent, school fees, and daily expenses. Look for ways to optimize your budget and potentially increase your income through avenues like investments or additional sources of revenue.

Explore alternative living arrangements: Look for more affordable housing options closer to your workplace in Gurgaon or explore the possibility of telecommuting if your job allows it.

Seek professional guidance: Consider consulting with a financial advisor or counselor who can help you assess your options objectively and make informed decisions based on your priorities and financial situation.

Ultimately, prioritize your health, family well-being, and financial stability when making your decision. It may require some careful planning and adjustments, but finding the right balance is crucial for your overall happiness and success.

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Ramalingam

Ramalingam Kalirajan  |10231 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 31, 2025

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Money
I am 42 staying in Pune with my wife and two daughters 7 years and 1 year old. I have 70 lakh in MF , 12 lakh in nps, 18 lakh in pf and 31 lakh in stocks. I have additional investment in 62 lakh in FD that is pledged to trade in derivatives through a consultant. Wife has physical gold worth 5 lakh. I have recently bought a land on loan and current liability is 25 lakh @8.5% ( total 70(land+construction)lakh is sanctioned for construction). My current expense is 1 lakh a month and i stay in rented house. My monthly income is 2.5 lakh from salary. Can I quit my job and move to my hometown in Ranchi. What is the financial plan if i want to quit.
Ans: You want to quit your job and move to Ranchi. Your current investments and expenses need careful planning. Let’s evaluate your financial situation.

Current Financial Position
Rs. 70 lakh in mutual funds.

Rs. 12 lakh in NPS.

Rs. 18 lakh in PF.

Rs. 31 lakh in stocks.

Rs. 62 lakh in FD (pledged for derivatives trading).

Rs. 5 lakh in wife’s gold.

Rs. 25 lakh loan at 8.5% interest (out of Rs. 70 lakh sanctioned).

Monthly salary of Rs. 2.5 lakh.

Monthly expenses of Rs. 1 lakh.

Staying in a rented house.

Key Challenges in Quitting Job
You need a stable income source after quitting.

Loan repayment should not burden your finances.

Derivatives trading involves high risk.

Relocation to Ranchi should not disrupt financial stability.

Step-by-Step Financial Plan
1. Build a Strong Emergency Fund
Keep Rs. 20 lakh as a buffer for 2 years of expenses.

Use FD or liquid mutual funds for this.

This ensures financial security after quitting.

2. Secure a Passive Income Source
You need at least Rs. 1 lakh per month in passive income.

This can come from investments, consulting, or business.

Rental income or dividends alone may not be enough.

3. Restructure Your Loan
Your land loan at 8.5% interest adds financial pressure.

Repaying Rs. 25 lakh from FD or stocks reduces the burden.

Avoid using risky derivative profits to pay loans.

4. Reallocate Investments for Stability
Reduce exposure to high-risk derivatives trading.

Convert Rs. 62 lakh FD into a mix of mutual funds and bonds.

Equity mutual funds can generate higher long-term returns.

5. Plan for Child’s Future
Your daughters are 7 years and 1 year old.

Set aside Rs. 25 lakh for education in safe investments.

Avoid blocking funds in low-return FDs.

6. Address Housing Needs
If moving to Ranchi, consider staying in a rented house initially.

Construction should not strain your savings.

Use part of your investments if you decide to build.

Final Insights
Quitting your job is possible but needs careful planning.

Ensure passive income before quitting.

Clear high-interest liabilities to reduce stress.

Invest wisely for long-term financial security.

Moving to Ranchi should not affect your financial freedom.

Consult a Certified Financial Planner for proper execution.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |10228 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir, i had passed my 12th in 2023 with pcb in my state board & now in 2026 i will add maths from isolated exam(private candidate exam) of my state board which will provide me a seperate marksheet of only maths..so i will have two marksheets one of pcb & 1 of only maths..of same board but different years..will this be accepted in UGEE exam?
Ans: UGEE eligibility allows candidates to clear Physics, Chemistry, and Mathematics in separate attempts under the same recognized board as long as all subjects are passed by the specified deadline for results. Holding a PCB marksheet from 2023 and a standalone Mathematics marksheet from the isolated state board exam in 2026 is acceptable, provided both are issued by the same board and bear your name, roll number, and board seal. Institutions will verify that your combined subject passes meet the minimum percentage and completion timelines set in the UGEE Information Bulletin. Ensure you apply in the year you complete all three subjects, submit both marksheets during document verification, and confirm with the exam authority that mixed-year marksheets comply with their admission rules.

Recommendation: Proceed with your plan and register for UGEE once you have both marksheets, confirming with the official UGEE eligibility notification and liaising with the exam helpdesk for seamless acceptance of separate-year results. However, have 3-4 other back-ups too instead of relying only on UGEE / IIIT-H. Please note, UGEE eligibility and admission processes do change yearly with nuanced updates in eligibility windows, exam structure, and admission channels, adapting to academic and institutional priorities. You should consult the official IIIT Hyderabad UGEE website annually for precise, up-to-date criteria and follow official announcements closely to ensure compliance and timely application. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10228 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
Should I take IT in COEP Pune or CSE in IIIT Kottayam?
Ans: Shukrapal, COEP Pune’s Information Technology program, housed in India’s third-oldest engineering institute, benefits from NBA accreditation, a robust NAAC A+ rating, and a legacy of academic rigor since 1854. Cutting-edge computer and networking labs support hands-on learning, while faculty with PhDs and industry experience teach courses in cybersecurity, cloud computing, and IoT. The Training & Placement Cell reports placement rates of 96.25%, 95.00%, 93.96%, 87.42%, and 88.43% from 2019–2024, with over 200 companies recruiting annually. Strong industry partnerships with Deloitte, Microsoft, and Tata Motors ensure internships and live projects. Transparent governance, an active alumni network, and co-curricular clubs enhance professional development. IIIT Kottayam’s Computer Science and Engineering program with CSE specialization features NBA accreditation and modern AI and software labs. Established in 2015 as an Institute of National Importance, it offers a focused curriculum in AI, data science, and cybersecurity. Faculty combine academic and industrial research credentials, guiding students through capstone projects. The 2023–2025 placement rates of 100%, 83%, and 88% reflect growing industry acceptance, with average packages near INR 12–14 LPA and recruiters including Amazon, IBM, and Bosch. The institute’s start-up culture, industry MoUs, and a dedicated Entrepreneurship Cell foster innovation. Both colleges maintain strong infrastructure, qualified faculty, active placement support, and transparent governance for student success.

Recommendation: Opt for COEP Pune IT for consistently higher placement percentages, deeper industry engagements, and longstanding academic prestige. Choose IIIT Kottayam CSE only if you seek a newer, research-driven environment with emerging specialization in AI and data science. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10228 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
Which is better CSE (AI&ML) from nirma university Ahmedabad or IT from SGSITS Indore
Ans: Atharv, Nirma University’s B.Tech in CSE (AI & ML) is NBA-accredited and UGC-recognized, offering a specialized curriculum in deep learning, computer vision, and natural language processing. The institute features modern AI labs, GPU clusters, and faculty with industry research experience. Strong partnerships with Microsoft, Cisco, and AWS provide live projects and internships, while a dedicated placement cell achieved 90–95% placements over the past three years. In contrast, SGSITS Indore’s B.Tech in Information Technology, also NBA-accredited and approved by AICTE, covers broader IT topics such as software engineering, networking, and cybersecurity. Its infrastructure includes well-equipped computer labs and research centers, and faculty with academic and industrial backgrounds guide students through capstone projects. SGSITS reports 85–88% placement rates in recent years, with recruiters like TCS, Wipro, and Infosys. Both institutions maintain transparent governance, active alumni networks, and student development programs. Nirma’s AI & ML program offers deeper specialization in cutting-edge technologies and stronger industry engagement, while SGSITS provides solid foundational IT education across multiple domains.

Recommendation: Nirma University’s CSE (AI & ML) is the better option for its focused AI curriculum, superior lab infrastructure, and higher placement rates in specialized tech roles, ensuring robust preparation for emerging industry demands. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10228 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
My daughter got Geology at VHU VARANASI&. AGRICULTURE At VISWAVARATI Which will be better sir,pl give your advice.
Ans: Dilip Sir, The Geology program at Banaras Hindu University combines rigorous academic coursework in mineralogy, petrology, and geophysics with field-based learning in the geologically rich terrain of Uttar Pradesh. As an Institute of National Importance under UGC and NAAC A++, BHU offers state-of-the-art laboratories, extensive rock and mineral collections, and collaborations with GSI and IIT Bombay for advanced research. The department’s seasoned faculty publish in high-impact journals, guiding students in sedimentology and remote sensing projects. Career pathways span geological surveys, environmental consulting, and energy sector roles, bolstered by a dedicated placement cell facilitating summer internships and research assistantships. Visva-Bharati’s Agriculture program emphasizes sustainable farming, biotechnology, and rural development within its NAAC A accreditation framework. Faculty experts from IARI and CIPET lead hands-on training in soil science, plant pathology, and agribusiness management. The campus’s experimental farms, agro-processing labs, and MoUs with ICAR and local cooperatives support field trials and community outreach. Graduates pursue government agricultural services, agri-entrepreneurship, and postgraduate research, aided by a robust alumni network and career guidance cell.

Recommendation: Choose BHU’s Geology for unparalleled research infrastructure, experienced faculty collaborations, and strong geological field exposure. Opt for Visva-Bharati Agriculture if passionate about sustainable farming, rural impact projects, and agribusiness innovation, leveraging its hands-on facilities and community engagement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10228 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
I am an open category student. I got 92.41 in mhcet and I want to pursue either of mechanical engineering or etc in Pune colleges. Where can I possibly get admission?
Ans: With a 92.41 percentile in MHT-CET (General, Maharashtra), you can confidently secure seats in reputable Pune engineering colleges for Mechanical or Electronics & Telecommunication (EnTC) branches outside the top three (COEP, VJTI, ICT). Bharati Vidyapeeth College of Engineering (Pimpri) offers both branches with cutoffs around the low-to-mid 90s percentile and a strong accredited curriculum. MIT Academy of Engineering (Alandi Road) admits EnTC and Mechanical candidates near your percentile, backed by NBA accreditation and modern labs. AISSMS College of Engineering (Wadgaon) welcomes General category candidates for both branches at around 91–92 percentiles within Pune University. PVG’s College of Engineering (Kondhwa) provides Mechanical and EnTC with assured admission at low-92 percentile, supported by robust industry tie-ups. Dr. D. Y. Patil College of Engineering (Pimpri) admits Mech and EnTC students near your score, boasting NAAC A+ accreditation. JSPM’s Rajshri Shahu College of Engineering (Tathawade) offers both programs at 92–93 percentile cutoffs. Sinhgad College of Engineering (Vadgaon) admits Mechanical and EnTC at your percentile, featuring strong faculty and research facilities. Pune Institute of Computer Technology (Tathawade) admits EnTC at about 92 percentile. Pimpri Chinchwad College of Engineering (Bhosari) provides both branches within your range, with active placement support. Army Institute of Technology (Dighi) admits EnTC candidates near 92 percentile, offering disciplined training and excellent infrastructure. These ten institutions ensure maximum chances of getting admission at your percentile, delivering accredited programs, experienced faculty, modern infrastructure, industry collaborations, and transparent governance for a solid engineering foundation. All the BEST for a Prosperous Future!

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