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

Nayagam P P  |10843 Answers  |Ask -

Career Counsellor - Answered on Jun 04, 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.
... more
Asked by Anonymous - Jun 03, 2024Hindi
Listen
Career

Hello sir, my son has secured 97.36 in JEE mains 2024. We belong to the OBC(NCL) category. Having chance to get CSE in top NITS and IIITs.

Ans: Sir,

Congrats to your Son for scoring 97.37 percentile in his JEE (Main).

Chances & Options for your Son Here:

1) As far as Top NITs are concerned, getting admission into the CSE Branch will be SLIGHTLY difficult.
2) As far as Tier 2 & Tier 3 NITs are concerned, chances are higher for your son to get a CSE Branch.
3) As far as IIITs are concerned, your Son can EASILY get admission into any one of the Top IIITs.

Sir, I hope you might be aware of the Opening & Closing Ranks for OBC of last year & also about Home State / Other States Category.

Shortlist the Top 5 NITs & IIITs & apply for all and choose the most suitable one for him for his bright future.

Wherever he joins, here are some practical Tips / Steps / Strategies for your Son to follow to be COMPETENT in the Job Market and land a good job once he finishes his Graduation:

While Pursuing his BTech:

1) Make sure that he continues to maintain a decent Score / CGPA / Percentage till he completes his BTech.
2) Joins 2-3 Co-curricular Activities Club (related to his Domain) & also involves in extra-curricular activities.
3) Creates his Professional LinkedIn Profile, from his 1st year.
4) Gets connected to professionals of the same domain, but NOT asks for jobs (after he completes his BTech). If his profile matches their requirements, they will be in touch with your son.
5) Every 3-months, keeps updating his LinkedIn Profile to add his recent achievements/certifications etc.
6) Starts researching about the companies that visited the College during the last 3-years & know their nature business/manpower requirements in the ‘Career’ Section through their websites.
7) Most important: He should start doing Certification Courses either online / offline, related to his domain (from 1st year itself), to be competent in job market.
8) NPTEL & Internshala are some reputed Certification platforms he can join. And/or he can join any other Certifications, recommended by his Faculties in your College.
9) Puts Job-Alert Notifications in LinkedIn, related to his domain, from 1st year itself, to know about the current job market scenarios/employers’ expectations.
10) Keep upskilling your knowledge & skills till he completes his BTech.

Just Before / After Completing his BTech:

1) Just before completing his BTech, he should prepare well for the Campus Recruitment Written Test / Interview / Group Discussion, whichever will be applicable.
2) He starts applying for jobs also through LinkedIn Job Alerts, if the Job Description posted by the employers/recruiters/companies, matches his profile.
3) Keeps his ‘RESUME’ professionally prepared. His ‘Resume’ should be simple & brief with keywords, related to his domain, with his LinkedIn Account’s clickable link.
4) And, he should keep upgrading his skills, to be competitive in the job market, even after he gets the job.

Hope I have cleared your doubts, Sir, for your son with value additions.

If you need any other clarifications for your son or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU to know more on ‘Careers / Education / Jobs’.

All The BEST for your Son’s Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/
Career

You may like to see similar questions and answers below

Latest Questions
Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Money
Hope you are doing great. I am 32 years old. I earn roughly 1.1lkh per month. My PPF portfolio is around 19lkh(started in 2018) giving 12.5k per month(From next year 80CC tax benefit will be of no use) lock in till 2033, I also have SIP of 30k (Axis Index- 5k, Axis Midcap-5k & SBI Small cap-20k(Since-2022 & add lumpsum sometimes))- Invested Value Now Rs 12.26lkh & Return- Rs 15.84lkh. I Invest in mostly blue chip equity stocks time to time from 2021 & have invested round about 10lkh & return is 15lkh. My monthly spend is around 30k. I have stacked emergency fund in India Post & Liquid fund. I can invest max 30k if PPF continues & 42.5k if PPF doesn't continue after the lock in is over. With 5% step up annually. I have a few questions: 1. Since PPF will not contribute to my tax savings from next year what should my approach be? Stop PPF & wait till 2033 for it to mature. And invest 12.5k SIP in MF? If yes where should I & in what ratio. 2.I want to reach the goal of 4-5cr in the next 15 years. Kindly guide me. Thanks in advance. Regards
Ans: Hi Subho,

There is no benefit of continuing your PPF investments for tax benefit. Redirect extra 12.5k per month to mutual funds.
But you cannot close your PPF account before 2033, hence contribute only 500 per year to keep the account active.

Total new monthly contribution in MF - 42.5k.
Current selection of funds is not recommended. Your overall contribution in small cap is way too much to continue. Distribute equally in all 3 funds from now on. And can add a flexicap fund of 10k per month in your portfolio.

Try to increase your SIP whenever possible. As with current allocationand contribution, you will get 3.4 crores after 15 years. Where as if you do an annual stepup of 10%, you can get 5 crores after 15 years which you want.

Also as your portfolio size is big, taking a professional advisor's help is recommended. And avoid investing in direct stocks. Reinvest the stock money into mutual funds for a consistent and safe growth.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Asked by Anonymous - Nov 17, 2025Hindi
Money
Hi, I'm sorry in advance for a lengthy read and numerous questions. I'm 38 years old and would like to retire in next 10 years or less and I would like to reach portfolio worth 4 CRs and then retire. I already have a term insurance of 2 CR and gold of around half a KG. I currently have 20Lkh (15 for investment and 5 as emergency fund) that I would like to invest in lumpsum. My current portfolio (around 1 year old) is as follows and their Current value: SIPs were stopped in Jan 2025 due to financial reasons. 1. Parag Parikh Flexi Cap Fund : 181920 (+9.93%) 2. Quant Small Cap Fund: 166550 (-1.74%) 3. Motilal Oswal Midcap Fund: 1,66,193 (+1.03%) 4. Nippon India Large Cap fund: 157025 (+8.67%) 5. HDFC Balanced Advantage Fund: 132040 (+6.06%) 6. Nippon India Nifty 500 Momentum 50 Index Fund: 84714 (-15.30%) 7. Stock portfolio: 810000 (+6%) I need help with a few of things. 1. Investing the large sum of 15 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? Or is it not the right time to invest the bulk amount? 2.SIP: I would like to reinstate SIP of 1.3 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? 3. 5 lakh emergency fund: Which specific asset class/MF should this be invested so that I can make a decent return better than savings account while this amount is easily accessible for emergencies. Please suggest specific fund even if it is debt/liquid/hybrid fund. Thank you for your help in advance.
Ans: Hi,

It is great that you are taking a step forward towards your early retirement after 10 years. Let us analyse things one at a time.
1. Emergency Fund - You want to put 5 lakhs as emergency fund for you. It is a good amount and you can park in liquid mutual fund. Go for ICICI or HDFC liquid funds for this.
2. Term Insurance - 2 crores cover is good enough. If you share monthly income, would be able to calculate exact amount more accurately.
3. Health Insurance - Take one with a minimum cover of 15 lakhs to cover yourself and family.
4. Current MF - currently around 8.5 lakhs value. Good funds. Continue this amount in these.
5. Stocks - current value of 8.1 lakhs. Direct stock investment is very risky and nor recommended as it requires complete tracking and knowledge. You can consider shifting the entire amount in mutual funds for your retirement.

You want to invest a lumpsum of 15 lakhs and start a SIP of 1.3 lakhs again. You can choose to invest 15 lakhs in equal proportion in your current mutual funds and start SIP in the same funds as well.
However, you can also consider consulting a professional advisor who can build a portfolio for you for all your investments. An advisor guides you with right investment throughout and monitors all investments periodically to cater the requirement and market movements.

Your goal is to reach a corpus of 4 crores in 10 years. With current investments you can only get 3.5 crores in 10 years. You need to increase your SIP by 10% each year to get 5 crores.

Also make sure you have no financial liability left when you retire. And have a dedicated fund for other major goals such as kids education, travel, their marriage etc.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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