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Daughter secured good JEE and KCET ranks - Which college/branch should she choose?

Nayagam P

Nayagam P P  |3882 Answers  |Ask -

Career Counsellor - Answered on Jun 23, 2024

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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Dr Question by Dr on Jun 23, 2024Hindi
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Hello sir..good morning. I am following your suggestions regularly in this platform which are very apt and rational. Thanks My daughter has secured 16478 rank in JEE mains with 98.97 percentile and 532 rank in KCET. JoSAA 1st round seat allotment is over and allotted with CSE core branch in IIITDM Kanchipuram and chosen float option.Subsequent rounds she may get mostly EEE in NIT Calicut or ICE in NIT Trichy and some probability of CSE in NIT Goa or ECE in VNIT Nagpur or MnC/ AI&data in SVNIT Surat based on our choice preference. KCET counseling is yet to start but based on last year closing rank, she may get ISE or CSE (data science/ cyber security) but not CSEcore branch in RVengineering college bangalore. She understands the importance of securing CSE branch in good college ( but not very interested in coding but her favourite subject is Maths). Given this scenario, kindly chose which academic program (college+branch) to choose. We are ok whatever best suits her career. Look forward to your reply.Regards

Ans: I fully read your question. Please give utmost importance to get admission through KCET (than JEE). (1) I noticed that you have totally missed BMS which also has Data Science, Cyber Security & IoT Options. As far as your daughter's KCET Rank is concerned, she will get any one of these Streams. Consider BMS as your 1st Choice (2) RVCE-DS & CS (3) Please try to ignore ISE, ICE & EEE as these streams are not much suitable for most of the girls (unless interested in). Chances are more, she would definitely get admission into any of the Streams she prefers (than CSE) for her KCET Rank of 532. If not, (4) SVNIT-Surat (6) NIT-Goa. (7) VNIT-Nagpur-ECE.

All the BEST for your Daughter's Bright Future.


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Asked on - Jun 23, 2024 | Answered on Jun 23, 2024
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Thanks Sir. I would also request you to give your advise on on 1) IIIT DM Kanchipuram - CSE which are allotted though floated. 2) I meant ISE as information science engineering, please clarify why it is not preferrable to female aspirants? 3) RVCE is perceived as no.1 college after NITK in karnataka, reasons for suggesting BMS over RVCE? 4. Which one you suggest CSE core subject Or CSE- data science/ cyber/ AI Kindly support. Thanks a lot
Ans: Information Science is related to building software / embedded applications which your daughter will be interested in? As your daughter's favourite subject is Maths (and not CSE-Core-Software-Coding), Data Science can be preferred. Cyber Security / AL-ML involves coding to some extent, which if she is sure, can manage, have this as a 2nd choice. Regarding BMS & RVCE, though both are equally good, BMS has better NIRF ranking (difference of hardly 15-20) and it is in city limit (Adugodi), whereas RVCE is in Mysore Road (slightly outer). If you are based in Bengaluru, prefer nearby your residence or check whether BMS provides college bus. If your daughter will stay in Hostel, you can choose the more suitable one for her.
Asked on - Jun 26, 2024 | Answered on Jun 26, 2024
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Thanks you so much. Sorry bit delay in acknowledging due to an urgent travel.
Ans: No Issue. Welcome.
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Mutual Funds, Financial Planning Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 05, 2024Hindi
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Hi I am 39 years old working professional with take home salary of Rs. 2.25 lacs/month. I have taken home loan in last month for Rs. 30 lacs with monthly EMI of Rs. 60k. My monthly House hold expenses are Rs. 50k. From 2022 I am investing Rs. 35k in MF via monthly SIP in ratio of 40:30:20:10 in Large:Mid:small:Debt. I have 2 Sons for 8 years and 3 years respectively. My Goal is to have sufficient corpus for their higher education and to achieve financial independence ASAP. Pl guide..
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Current Financial Overview
Monthly Income: Rs 2.25 lakh

Home Loan EMI: Rs 60,000 (new loan of Rs 30 lakh)

Household Expenses: Rs 50,000

Monthly SIP in Mutual Funds: Rs 35,000 (split across large, mid, small-cap, and debt funds)

You have taken significant steps with a home purchase and ongoing SIPs. Let’s optimise these resources to achieve financial independence and build a corpus for your children’s education.

Goal-Based Financial Planning
1. Higher Education Corpus for Children
Education expenses rise significantly due to inflation, particularly for quality higher education.

With your sons aged 8 and 3, plan for their higher education in 10-15 years.

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Aim to build a corpus that covers at least 25 times your annual expenses.

At present, Rs 50,000 monthly expenses indicate a future goal corpus of Rs 1.5-2 crore, adjusting for inflation.

Your current SIPs are a great start, but gradually increase SIPs to achieve a sizeable retirement fund.

Consider adding more equity exposure for growth and inflation protection, while adding debt as retirement nears.

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Aim to prepay your loan when possible to reduce interest outflow and loan tenure.

You may consider setting aside a small portion of bonuses or salary hikes for periodic prepayments.

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