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What's the next step for a non-engineering graduate with a 60% score and startup plans in India?

Prof Suvasish

Prof Suvasish Mukhopadhyay  |2740 Answers  |Ask -

Career Counsellor - Answered on Nov 11, 2024

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
He has guided and motivated graduate and postgraduate students in science and technology to choose the right course and excel in their careers.
Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more
Rahul Question by Rahul on Jun 23, 2024Hindi
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Hello sir , I have recently passed my Undergraduate degree with 60 %. And I come from a non engineering background having no knowledge of computer code language but I have many startup plans in which one plan is best as per people need in India. But I don't know how to step forward with my plan. Please help me

Ans: Good idea. I appreciate you for your thought. First learn the basics of CODING from different YOU TUBE videos, then go for a certificate course. After that at least make a group of three persons and start your startup. Initially don't invest much. Be in touch with me, follow me here and join me in LINKEDIN also. Don't worry. Everything will be fine. GOD BLESS YOU. Regards. Professor............................:)
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Ramalingam

Ramalingam Kalirajan  |10017 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 31, 2024

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Hello sir! I am Aman Sharma,an 12 pass student,going to take admission in Engineering,who wants to do start-up after 10 year of engineering.I read lot of suggestions that you have given to many people, which made me to ask this question. My financial income is zero right now since I am a student. Very soon I will crack a hackathon so that I can start my income through internship further through job since I will get PPO through that. Could you please suggest me what should be my financial plan (where to invest) to have passive income through that investment, which will help me to do start-up in future. Sir along with financial plan name also mention their interest rate and risk associated with that. Sir please note that I have zero knowledge of financial planing
Ans: Aman,

It's wonderful to see your interest in planning your financial future at such an early stage. I commend your proactive approach. Here are some steps you can follow to build a strong financial foundation and secure passive income for your future start-up.

Understanding Financial Planning
Financial planning is about managing your money to meet your life goals. It includes saving, investing, and managing risks.

Initial Steps
Emergency Fund: Save at least six months' worth of expenses. This will help during unforeseen situations.

Education and Skill Development: Invest in courses and certifications. This will enhance your employability and income potential.

Investment Options
Public Provident Fund (PPF)

Interest Rate: Around 7.1% per annum

Risk: Low

Benefits: Tax-free returns and long-term savings.

Mutual Funds

Interest Rate: Varies (10-15% on average)

Risk: Medium to High

Benefits: Professional management, diversified portfolio, and potential for higher returns.

Recurring Deposits (RD)

Interest Rate: Around 5-6% per annum

Risk: Low

Benefits: Regular savings with guaranteed returns.

Passive Income Strategies
Dividend-Yielding Stocks

Interest Rate: 2-6% dividend yield

Risk: Medium to High

Benefits: Regular income and potential capital appreciation.

Systematic Investment Plans (SIPs)

Interest Rate: Varies (8-12% on average)

Risk: Medium

Benefits: Disciplined investing, rupee cost averaging, and compounding benefits.

Risk Management
Health Insurance

Ensure you have adequate health insurance. This will protect you from high medical costs.
Term Insurance

Opt for a term insurance plan. This will secure your family's future in case of an untimely demise.
Long-Term Goals
Retirement Planning

Start contributing to retirement plans early. This will ensure financial independence in your later years.
Educational Savings

Save for higher education and any future courses. This will help in enhancing your skills and knowledge.
Final Insights
Starting early gives you a significant advantage. Regularly review and adjust your financial plan as your income and goals evolve. Seek guidance from a certified financial planner to tailor a plan specific to your needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |9744 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Career
Sir my JEE Mains 2025 percentile is 93.40 and my rank is 98264. I am male of general category from Rajasthan. Please recommend some good colleges that I can get in csab counselling
Ans: Vidit, With a 93.40 percentile (General, Rajasthan Home State) and a JEE Main rank of 98,264, your realistic CSAB counselling targets include lower-demand NITs, IIITs, and GFTIs where closing ranks for engineering branches often extend beyond 90,000. In the Home State quota for Rajasthan, consider NIT Uttarakhand and NIT Meghalaya for branches like Civil, Mechanical, and Electronics. Among IIITs, IIITDM Kurnool, IIIT Sri City, and IIIT Nagpur regularly admit General candidates with ranks up to 100,000 in non-CSE branches. GFTIs such as IIIT Delhi (second-tier seats), School of Planning and Architecture, Bhopal, and IIIT Kota also fill seats in lower-demand streams. Additionally, Rajasthan’s own GFTI, Malaviya National Institute of Technology Jaipur, may open spot rounds for core branches at higher ranks. These institutes meet the five critical benchmarks—AICTE/NBA accreditation, qualified faculty, modern labs and infrastructure, strong industry links, and transparent placement processes—with placement rates ranging 60–85% across engineering programs and median packages reflective of branch demand. Pursuing any of these colleges for branches aligned with your interest (e.g., ECE, IT-Allied, Civil) will ensure a credible technical education and balanced campus experience under the Rajasthan Home State quota.

RECOMMENDATION: In CSAB rounds, prioritize NIT Uttarakhand and NIT Meghalaya for robust campus environments and accredited programs, then target IIITDM Kurnool and IIIT Sri City for specialized IT-Allied branches, followed by GFTIs like SPA Bhopal, ensuring you secure a solid engineering education aligned with your percentile and domicile. Have 2-3 back-ups for Private Engineering Colleges also if CSAB does not work out for you, based on your expectations. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9744 Answers  |Ask -

Career Counsellor - Answered on Jul 31, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Career
Hello I'm 35 years old i hv 15months old baby. I have completed my mbbs course from abroad and not clear fmge exam yet. Difficult to focused on preparing for fmge exam handling baby husband and join family. I get frustrated depressed anger comes all the time.ibeck then I was ambitious girl but now lack of confidence lack in everything. So what carrier to choose from now? Can I restart with any course or what to do very confusing. My life is over now. There's no respect those who don't earn. Pl give me good advice so that I can bring better future for my baby
Ans: Many doctors who have completed their MBBS abroad but have not cleared the FMGE (Foreign Medical Graduate Examination) in India face similar dilemmas, especially when balancing family responsibilities, emotional well-being, and career aspirations at a later stage. The FMGE pass rate is low, and the exam can be overwhelming for mothers with young children and household responsibilities, often leading to frustration or self-doubt. However, your medical background is valuable and opens diverse pathways beyond clinical practice in India. Alternate options include enrolling in online or hybrid post-graduate diploma or certificate courses in medical writing, clinical research, pharmacovigilance, public health (MPH), hospital administration (MHA), or health informatics. These courses—offered through institutions like the Public Health Foundation of India (PHFI), Indian Institute of Clinical Research (ICRI), Medvarsity, and Symbiosis—generally require minimal entrance barriers, flexible timings, and often blend self-paced study with project work or internships. Roles in medical content writing, clinical research, health insurance, hospital and healthcare management, medical coding, pharmaceuticals, and telemedicine are accessible to foreign MBBS graduates and in high demand. Careers in public health, NGOs, digital health startups, and medical counseling are also viable, with NGOs and research bodies valuing your education, communication skills, and empathy. Registered health consultants, healthcare IT specialists, nutritionists, wellness program managers, and educators for pre-medical entrance coaching are in demand, and some private hospitals and health-tech companies employ graduates for junior management, documentation, process quality, or outreach roles. Upskilling through shorter, certified programs (3–12 months) either digitally or through nearby centers can build confidence and reignite professional engagement. Look for institutions that provide recognized certifications, industry-accredited faculty, robust academic support, project-based learning, and established placement assistance—essentials for sustainable career progression and personal development.

Building a new career may seem daunting, but your foundational knowledge, life experience, maturity, and resilience are assets that bring credibility and empathy in many healthcare-adjacent and academic roles. If you choose to reskill, your medical education will remain an advantage as you transition into roles that offer both professional fulfillment and a better work-life balance suited for mothers. Take small, actionable steps—start with a focused short-term course or consider part-time/remote roles initially to gain confidence and practical exposure. Positive and self-compassionate thinking, coupled with steady professional upgrades, will influence your family and child, modeling resilience and lifelong learning.

RECOMMENDATION: Prioritize short-term upskilling—such as clinical research, hospital administration, medical writing, or public health—through reputed online or hybrid programs that offer flexible scheduling and strong placement support, allowing you to quickly enter the workforce. Your medical expertise, when combined with targeted training, can unlock impactful roles, restore your confidence, and enhance your family’s well-being while balancing personal responsibilities and securing a respected, independent career path. All the BEST for Your Prosperous Future!

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