Home > Career > Question
Need Expert Advice?Our Gurus Can Help
Radheshyam

Radheshyam Zanwar  |6792 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 14, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Jul 13, 2025Hindi
Career

Hello sir I am a physics student. Want to do research in physics. I got iit indore msc and NISER integrated phd ....what will be best to choose?

Ans: Hello dear.
I recommend choosing NISER if possible. However, I request you to review the article published in the Free Press Journal about IIT Indore. Please copy and paste the following link into your browser to read it. The final decision will be yours.
https://www.msn.com/en-in/news/other/iit-indore-continues-to-be-preferred-choice-for-jee-cleared-applicants/ar-AA1IpB65

Good luck.
Follow me if you receive this reply.
Radheshyam
Career

You may like to see similar questions and answers below

Nayagam P

Nayagam P P  |10899 Answers  |Ask -

Career Counsellor - Answered on Jan 22, 2026

Asked by Anonymous - Jan 20, 2026Hindi
Career
I'm B.Sc final student. I want to do M.Sc & Phd in physics . Which is best route for me? Please advise. Opting for iiser intg phd program or doing standalone msc? I plan to take NET first and get placed into a job first. Then do phd. But also iiser research facilities are so good. Should I enroll for intg phd? I want to do phd but right after msc is uncertain. Please guide me.
Ans: You face a genuine but resolvable tension between research excellence, geographic accessibility, PhD timing flexibility, and family economic stability. The good news: multiple legitimate pathways exist that address all four constraints simultaneously. Each option offers research-calibre education, institutional credential recognition, and support for your deferred PhD model—where you complete MSc, stabilize family through 2-3 years academic employment, then pursue PhD from a strengthened position. Let's explore your three best options. Option 1: IISER Integrated PhD (Nearest Accessible Campus with Legitimate MSc Exit) - IISER Integrated PhD programs at Pune, Mohali, or Tirupati offer research-intensive physics education where institutional policy explicitly permits voluntary MSc exit after completing 2-year coursework and 5th-6th semester research projects. Your fear about professor judgment regarding early exit is unfounded because thousands of IISER students exit annually with MSc degrees—it's normalized institutional practice, not stigmatized failure. The IISER MSc credential, even with a documented PhD-exit trajectory, remains nationally recognized and highly competitive for academic job market entry. By combining IISER's prestigious brand credibility with your preferred sequencing (MSc → two to three years academic employment → PhD), you address all constraints: geographic flexibility through campus selection, legitimate PhD deferral through institutional exit policy, credential strength through IISER reputation, and family stabilization through employment phase before doctoral commitment. Pursuing this pathway requires: first, identifying which IISER campus (Pune, Mohali, or Tirupati) is geographically accessible from your home; second, preparing strongly for the IISER Aptitude Test; third, explicitly stating in your admission interview that you intend strategic career sequencing (MSc exit after research phase, employment period, then later PhD)—which demonstrates mature planning, not weak commitment; fourth, performing excellently in coursework and research projects to secure strong faculty recommendations; fifth, leveraging your MSc credential to apply for academic positions at colleges, universities, or research institutions like ISRO, DRDO, TIFR; and sixth, after three years professional stability and family consolidation, pursuing PhD from significantly strengthened research background. The unique advantage is that IISER provides a fellowship (Rs.35,000–60,000 monthly) covering relocation costs, allowing gradual family adjustment while building your independent research profile. Option 2: Harish-Chandra Research Institute (HRI) Standalone MSc Physics - Harish-Chandra Research Institute in Prayagraj, Uttar Pradesh, recently launched a standalone MSc Physics program taught directly by faculty members who are Padma Bhushan, Dirac Medal, and Bhatnagar Award recipients—ensuring internationally recognized research mentorship without integrated PhD pressure. The profound advantage here is that MSc is the terminal degree by design, eliminating any concern about "incompleteness" or exit stigma entirely; you're pursuing exactly what you intend from day one. The Prayagraj location in central North India is likely far more geographically accessible than distant southern IISER campuses, addressing your family's relocation constraints meaningfully. HRI's standalone structure naturally accommodates your preferred timeline: complete two-year MSc, pursue two to three years academic employment (leveraging HRI's faculty network connections with universities and research institutions), then undertake PhD from a professionally stabilized position. The research-calibre faculty mentorship ensures that HRI MSc graduates are positioned competitively for both immediate academic positions and future doctoral admissions at premier institutions globally. During your two-year MSc, you'll engage in directed research projects with world-class theoretical physicists in string theory, particle physics, quantum information, and astrophysics—building both technical competence and publication records. Your faculty advisors will provide recommendations unambiguously endorsing your research capabilities and employment readiness without any concern about "only pursuing MSc." Post-MSc, the HRI alumni network facilitates transitions to positions at IISc Bangalore, TIFR Mumbai, IISER campuses, central universities, or research agencies like BARC, DRDO, and ISRO. The financial structure offers affordable living costs compared to metro IISERs, reducing family economic burden. After securing teaching or research positions, typically within 2–3 years you'll have sufficient stability, savings, and professional experience to pursue PhD at premier institutions—with your HRI MSc credential and employment background making you exceptionally competitive for scholarships and selective admissions. Option 3: IIT Madras MSc Physics with Research-Track Employment Pathway - IIT Madras MSc Physics offers a two-year research-calibre program with fifty-four seats and ninety-five percent placement rate specifically in research institutions—directly supporting your academic employment objective without any integrated PhD pressure or ambiguity. Admission occurs through CUET-PG (Common University Entrance Test), which is widely accessible and geographically neutral. The program's unique strength is its direct recruitment ecosystem: ISRO, DRDO, BARC, TIFR, and CSIR-affiliated research institutes conduct campus interviews seeking MSc graduates for research officer and senior research fellow positions, with starting salaries of Rs.35,000–50,000 monthly and clear pathways to scientific positions. While this represents lower initial compensation than industry placement, it's directly aligned with your research-academic career objective and provides government job security, pension benefits, and sabbatical possibilities for later doctoral study. During your two-year MSc, you'll complete rigorous coursework in quantum mechanics, statistical mechanics, and electromagnetic theory alongside advanced electives in particle physics, condensed matter, or astrophysics—your choice depending on research interests. The research project component (thirty credits) is structured with faculty mentors who maintain active research grants and publications, ensuring recommendations carry weight for future opportunities. Critically, IIT Madras faculty networks include connections with academic institutions across India, facilitating pathways to assistant professor positions if research institution employment leads you in that direction. The Chennai location provides a major metropolitan ecosystem: proximity to ICTS (International Center for Theoretical Studies), ISRO Satish Dhawan Space Centre (fifty kilometers away), and diverse professional networking opportunities. After two years MSc completion, you'll transition into documented research institution employment (ISRO or DRDO roles offering clear progression), allowing three years of family economic consolidation, household stabilization, and professional credibility building. Your government position during this phase provides income certainty your family requires while you accumulate research credentials and professional maturity. The post-employment PhD application, supported by both IIT Madras MSc credentials and three years institutional research experience, positions you exceptionally strongly for doctoral admission at IITs, IISERs, IISc, or international universities—with research background making you far more competitive than MSc-direct applicants. Your core anxieties—about professor judgment, credential legitimacy, and PhD deferral competitiveness—are psychologically understandable but empirically unfounded. All three pathways are institutionally legitimate, research-credible, and professionally respected. Your MSc-to-employment-to-PhD sequencing is increasingly normative and enhances, not diminishes, doctoral applications. Choose the pathway nearest your home and execute with excellence; credential recognition and career progression will follow naturally. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11000 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2026

Money
Is it advisable to invest in Midcap and Smallcap ETFs in India compared to Midcap and Smallcap mutual funds? While I understand that Midcap and Smallcap mutual funds may offer higher percentage returns compared to ETFs, the main issue is that no mutual fund consistently remains at the top in terms of returns. The best-performing mutual funds can change over time, making it necessary to monitor and switch from underperforming funds to top-performing ones regularly – a process that can be quite cumbersome and also incurs capital gains tax when exiting a fund. On the other hand, since ETFs track their respective indices, their percentage returns closely mirror those indices, eliminating the need for frequent switching or selling like in the case of mutual funds. However, I am uncertain whether keeping investments in ETFs over the long term (10 years or more) will yield returns comparable to mutual funds once capital gains tax is factored in during fund switches. Could you provide some insight into this?
Ans: I appreciate your thoughtful comparison of ETFs versus mutual funds. You are asking a very practical question and it shows good financial awareness. Let’s look at this carefully so you get clarity without confusion.

» What ETFs and index-linked products really do
– ETFs that track midcap and smallcap indices simply mirror the performance of those market benchmarks.
– There is no active management or stock picking to protect you during weak markets.
– When indices fall sharply, ETFs will fall by almost the same percentage. There is no defensive action.
– Index-linked products may seem low maintenance, but they do not adapt to market changes.

» Why actively managed midcap and smallcap mutual funds are different
– Actively managed funds have professional managers who choose stocks based on research, valuation and risk.
– They can adjust exposure to sectors and companies depending on market conditions.
– This means that in volatile phases, they can protect capital better than index trackers.
– Over long periods, learning to stay invested in well-managed funds often leads to better risk-adjusted outcomes.

» The challenge of “top performing” funds changing over time
– It is true that past performance ranking changes every year. No mutual fund stays number one forever.
– This is why selection should be based on long-term consistency, process, risk management and quality of management. Returns alone should not be the only criterion.
– A Certified Financial Planner helps you choose funds with good fundamentals, not just recent high returns.

» About monitoring and switching funds
– Frequent switching based only on short term performance is not a strong investment habit.
– Every switch can trigger capital gains tax for equity funds if sold within one year at higher short term tax rate, or after one year you still need to consider LTCG above Rs 1.25 lakh at 12.5%.
– Good investing means giving time for your chosen strategy to work unless there is a clear reason to change.

» Why ETFs are not always better for long-term goals
– Just because ETFs avoid switching does not mean they give better returns after tax. They still rise and fall strictly with the index.
– In falling markets, index trackers cannot reduce risk, but actively managed funds can.
– Even though ETFs may look simple, they can lead to larger drawdowns when markets are weak since they cannot adapt.
– In the long term, protecting capital during weak phases is as important as chasing returns.

» When actively managed funds make sense in midcap and smallcap space
– If you have a long-term horizon (10 years or more), actively managed funds can add value through stock research and risk calibration.
– They aim for better risk-adjusted returns over full market cycles, not just bull phases.
– With a CFP’s guidance, you can build a diversified portfolio that balances midcap, smallcap and broader equity exposure without frequent tax-triggering switches.

» Practical investor behaviour perspective
– ETFs can make investing easy, but easy does not always mean better outcomes.
– Investors often buy ETFs and then fail to rebalance or adjust when markets change.
– With actively managed funds, the fund manager’s decisions complement your long term holding discipline and take some burden off you.

» Final Insights
– Avoid choosing investments just by how they are labelled (ETF or mutual fund). Look at what they actually do in markets.
– For midcap and smallcap exposure over 10 years, actively managed funds tend to offer better alignment with long-term goals and risk control than index ETFs.
– The idea that ETFs avoid switching costs is true, but it is not a strong enough reason to ignore the flexibility and risk management that active funds provide.
– Tax impact matters, and with wise planning you can manage gains efficiently without frequent switches.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11000 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2026

Money
I have invested Rs. 50000 in Motilal Oswal Midcap Fund and another Rs. 50000 in HDFC Flexicap Fund in July 2025 and while the former is always in red the latter is giving around 4- 5% return. Should I continue to remain invested in them or would you suggest switching to a a different fund.
Ans: First, I appreciate your discipline in investing and reviewing your funds soon after you started. That habit itself is a strong pillar of long-term financial success.

» Understanding your current investment situation
– You invested Rs. 50,000 in an actively managed mid-cap fund (Motilal Oswal Midcap Fund) in July 2025
– You also invested Rs. 50,000 in a flexi-cap equity fund (HDFC Flexicap Fund) at the same time
– The mid-cap fund is currently showing negative returns
– The flexi-cap fund is showing around 4–5 percent return

» Why performance can differ between funds
– Mid-cap funds tend to be more volatile, especially over short periods
– Early investment performance is not a reliable signal of future outcomes in equity funds
– Actively managed funds can differ significantly based on stock picks, sector bets and market cycles
– Equity funds need time (typically 5+ years) to smooth out ups and downs

» What to assess before deciding to continue or switch
– Time horizon: How long can you stay invested? Equity should ideally be for medium to long term (5 years or more)
– Risk appetite: Mid-cap funds swing more than diversified equity funds and need higher risk tolerance
– Fund objectives and style: Does the fund’s approach match your goals and conviction?
– Consistency of performance: Compare returns over multiple periods (1 year, 3 years, 5 years) relative to peers, not just since inception
– Fund manager experience: Long-term funds often benefit from stable and experienced management

» Should you remain invested or switch? (Practical assessment)
– For the mid-cap fund showing negative returns early:

Equity markets can move up and down in the short term. A few months of red should not be the sole reason to exit if your time horizon is 5 years or more.

If your comfort with volatility is low, consider shifting part or all of the amount to a less volatile equity category or balanced equity oriented option.
– For the flexi-cap fund with modest positive return:

Flexi-cap funds dynamically adjust allocation across market caps and help moderate volatility.

If the fund continues to align with your risk and goals, holding it makes sense.
– Do not make decisions based on short-term returns alone. Give equity adequate time to perform.

» Why actively managed funds serve you better in your case
– Market benchmarks (like index funds) simply mirror market movements without risk management choices. In falling phases, index funds have no active decision to protect capital.
– Actively managed funds can take defensive steps when markets weaken, and reallocate to sectors or stocks with better risk-reward prospects.
– For individual investors, this active oversight brings discipline and better behavioral support, especially in turbulent markets.

» How to decide if switching is needed (Step by step)
– Re-evaluate the mid-cap fund’s long-term prospects rather than recent performance
– Compare its performance with similar actively managed mid-cap peers, not the index
– If you find its strategy, risk profile or management lacking, consider a more diversified actively managed equity option suitable for your horizon
– Avoid switching too frequently, as this can erode returns and incur costs

» Final Insights
– Stay invested if your time horizon is 5 years or more and you can accept volatility
– Early red in mid-cap is not a reason by itself to exit, but do assess comfort level
– Actively managed equity funds offer better risk management than passive index approaches
– Periodic review every 12–18 months, not monthly, should guide your decisions

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x