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Is this the right course for developing skills in the first year of BTech in ECE?

Prof Suvasish

Prof Suvasish Mukhopadhyay  | Answer  |Ask -

Career Counsellor - Answered on Nov 20, 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
Asked by Anonymous - Nov 20, 2024Hindi
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Hii sir now I am in 1 year of btech in ECE which couse should I do for skills development

Ans: Right now not required. You can learn German Language if you want to settle in Germany. Follow me. Best of luck. MAY GOD BLESS YOU. Professor.......................:)
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Nayagam P

Nayagam P P  |10928 Answers  |Ask -

Career Counsellor - Answered on Aug 01, 2024

Career
Sir give some advice how to shine after BTech in EEE
Ans: Nandan, Good you have asked this question in advance.

I assume you have either started your 1st year or already pursuing BTech (EEE).

Adhere to the following (Standard) Steps / Strategies / Tips (applicable to students of all Branches):

1) If you are going to start 1st year, visit the College Campus to spend 2-3 hours.
2) Know what all Departments & Infrastructure are there?
3) Hostel / canteen facilities available. Try some food in Canteen.
4) Interact with both the day scholar / hostel students.
5) Know the pros and cons of being a day scholar / hostel student. Know the travel time if you would be a day scholar.
6) Know seniors involve in any type of ragging (or) unlawful activities inside the college campus. You can't directly ask this question from the existing students. If you interact casually with some students, you will come to know from their body language.
7) Know, what are co/extra-curricular activities are available in the college & which ones are most suitable for you.
8) What type of pressures they might be going through & how to handle them?
9) If possible, meet the 4th year students to know about their plan & why? Whether they have started preparing for Campus Interview/Internship?
10) What all additional qualifications/certifications they have been adding during the last 3-years? Why?
11) What about the difficulty level of scoring/maintaining a decent CGPA? How to score/maintain a good CGPA?
12) What about the quality of teaching & also of faculties?
13) What about the difficulty level of exams in each Semester? If possible, ask this question from EEE-Students.

After joining the College:

1) Avoid skipping the classes.
2) Take notes of each class as class notes are most important for you to first study.
3) Have a good/professional relationships with all faculties of EEE.
4) Whenever you have any doubt(s)/need clarifications for your studies or career, seek advice/help from them when they are free or allow the class students to ask for the same.
5) To score good SGPA/CGPA, thoroughly go through the class notes and also the books recommended by your faculties for reference.
6) Interact with all your class students but have a good peer group around you, based on your interests/values/career goals.
7) Try to maintain a good SGPA/CGPA without any backlogs.
8) Involve in co/extra-curricular activities in College.
9) After your 1st semester itself, ask your faculties what all CERTIFICATIONS / additional short-term online courses you should join online (like NPTEL, Coursera, Internshala, LinkedIn etc.). Your department faculties are the best sources for you to provide this information.
10) Keep upgrading your skills by managing your time smartly for both College & also for Online Short-term Courses which will add a lot of value in your Resume.
11) By the end of 2nd year (4th semester) or 5th semester, you should be able to decide whether you want to target Core Companies or non-core companies for Campus Interview. It is advisable to mentally prepare for both. Have Plan B Also.
12) Or you want to pursue Masters in India or Abroad.
13) When you are in 3rd year end, ask your Department's Seniors (who will be attending Campus Interview) which all companies they registered for Campus Interview & Why?
14) What is the Recruitment Process? Assessment Test? Interview? GD or all?
15) What all questions were asked by the Recruiters? Technical/Non-Technical.

Creating LinkedIn Profile:

1) From 1st Year itself, have a Professional LinkedIn Profile.
2) Provide all relevant information in it, starting from your 10th standard/special achievements, if any.
3) Keep updating your LinkedIn Profile every 3-months.
4) MOST IMPORTANT: Put Job Alerts in LinkedIn, related to your domain and also the domains you might be interested in future.
5) Go through the notifications of Job Vacancies and its JD (Job Description).
6) This will help you to know the Job Market Trends to keep fine-tuning/upgrading you accordingly.
7) Connect with the Professionals of your domain (not to ask for jobs), but to seek advice from them.

Preparing for Campus Interview:

1) From 4th year beginning itself, research about the companies visited your college for Campus Recruitment.
2) Know the nature of their business/services provided by them from their respective websites.
3) This will help you to prepare you for the technical/non-technical rounds.
4) And what about their Recruitment Process? How to prepare for it?
5) For face-to-face or online interview, you can even have your own mock interviews with the help of your family members / friends by recording in your mobile.
6) Just play the recorded video your interview and notice what all mistakes you should avoid (such as your negative body language of fear, anxiety, nervousness etc.)
7) Conducting around 10-mock interviews at your home will boost your confidence at the time of actual campus interview in your college.
8) Prepare well for some technical / non-technical basic/standard/expected questions. This will further help you, crack the interview.

Planning for Masters:

If you have the plan to purse Masters after your BTech-EEE, in 3rd year itself, start researching about the colleges / universities in India / Abroad & know the Eligibility Criteria/Admission Process/Entrance Exams etc.

I hope I have answered to your question with value-additions.

All the BEST for Your Bright Future, Nandan.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 02, 2026

Money
I have borrow a 36.50 lakh loan against property from hdfc bank. is property inssurance mandatory for the mortgage loan on property?
Ans: You have taken a Loan Against Property of Rs 36.50 lakh. First, I appreciate that you are checking the legal and financial side carefully. That shows responsibility.

Now let us understand clearly.

» Is Property Insurance Mandatory for Loan Against Property?

– Legally, property insurance is not compulsory under Indian law.
– But practically, most banks including HDFC Bank insist on insuring the property.
– It is usually mentioned in the loan agreement as a condition.

So technically it is not a government rule. But contractually, the bank can make it compulsory.

Why? Because the property is the security for your loan.

» Why Bank Insists on Property Insurance

– The property is pledged to the bank.
– If there is fire, flood, earthquake or major damage, the value reduces.
– If the property is damaged badly, the bank’s security becomes weak.

Insurance protects both you and the bank.

So from risk management point of view, it is practical and sensible.

» Is It Mandatory to Buy Insurance From the Same Bank?

– No bank can force you to buy insurance only from their partner company.
– You are free to choose any general insurance company.
– You only need to assign the policy in favour of the bank.

If bank is forcing bundled insurance, you can politely request separate policy.

» What Type of Insurance Is Needed?

For mortgage loan, usually:

– Structure insurance (building insurance) is required.
– Contents insurance is optional but useful.

If it is an apartment:

– The society may already have a master policy.
– Still, individual unit insurance is better.

Do not confuse this with loan protection insurance (life cover). That is different.

» Should You Take It Even If Not Forced?

Yes, I strongly recommend taking it.

Why?

– Property is a large asset.
– One accident can destroy years of savings.
– Premium is very small compared to property value.

It is not an expense. It is protection.

» Check These Points Carefully

– Insured value should match reconstruction cost, not market value.
– Natural calamities must be covered.
– Policy should be renewed every year without fail.
– Bank clause (assignment clause) must be correctly mentioned.

Do not ignore renewal. If policy lapses, risk comes back to you.

» 360 Degree Protection View

Since you have a loan:

– Ensure you have adequate term insurance to cover outstanding loan.
– Ensure you have proper health insurance.
– Maintain emergency fund for EMI continuity.

If something happens to income, EMI must not suffer.

Property insurance protects asset.
Term insurance protects family.
Emergency fund protects EMI discipline.

All three together create safety.

» Finally

Property insurance may not be legally compulsory, but practically it is required and financially wise.

Do not see it as bank pressure. See it as risk control.

A small premium today can prevent a huge financial shock tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 02, 2026

Money
Hello Sir, I am 43 year old, having investment in 1. Own House-No Loan 2. MF holding 14.0 Lac, 3. FD 44.0 Lac, 4. Pure Gold 40.0 Lac, 5. PPF 5.0 Lac, 6. EPF 27.5 Lac, 7. NPS 9.0 Lac 8. Bank Account 10.0 Lac 9. Monthly SIP 44000 Rs [Multicap, Two Mid Cap, Two Small Cap, Large and Mid Cap] 10. Term Plan 50.0 Lac My child is 16 years old, i need your advice for my child education, marriage as well as my retirement.
Ans: You have built a very strong foundation at 43. Own house without loan, good savings in FD, gold, EPF and mutual funds – this shows discipline and stability. Many people at your age struggle with liabilities. You are in a safe position. Now we must organise it properly for your child’s higher education, marriage and your retirement.

» Current Financial Position – Overall Assessment

– Own house without loan gives you emotional security.
– Total financial assets are well diversified across FD, gold, PF and mutual funds.
– Large allocation to FD and gold gives safety but lower long-term growth.
– Mutual fund exposure is moderate and SIP is healthy at Rs 44,000 per month.
– Term cover of Rs 50 lakh is on the lower side considering child age and future costs.

You are financially stable. Now the focus must shift to growth and protection.

» Child Higher Education – 2 to 4 Year Planning Window

Your child is already 16. That means higher education funding is very near.

– Education corpus should not depend on equity-heavy assets now.
– Avoid taking high risk in small and mid caps for this goal.
– Start segregating money required in next 2–3 years into safe instruments like short-term debt or high-quality fixed income.
– Do not disturb EPF and NPS for education unless absolutely necessary.

If needed, you can use part of FD and bank balance. Education goal is priority one.

Important: Avoid selling equity mutual funds in panic. If you sell equity funds:
– LTCG above Rs 1.25 lakh is taxed at 12.5%.
– STCG is taxed at 20%.

Plan redemption carefully and gradually.

» Child Marriage – Long-Term Goal (8–12 Years)

Marriage is not urgent. So this can stay in growth assets.

– Continue SIP.
– You are currently investing across multicap, midcap, smallcap and large-midcap. That is fine for long term.
– But review allocation. Too much mid and small cap increases volatility.

Keep marriage goal in a separate mutual fund bucket. Track it independently.

» Retirement Planning – The Most Important Goal

You are 43. You have around 15–17 years for retirement.

Current retirement assets:
– EPF Rs 27.5 lakh
– NPS Rs 9 lakh
– PPF Rs 5 lakh
– Mutual Funds Rs 14 lakh

This is a decent start but not enough for long retirement life.

You must:

– Increase retirement-focused equity allocation gradually.
– Continue EPF contribution strongly.
– Continue NPS for tax and discipline, but do not depend fully on it.
– Increase SIP gradually every year, at least 5–10% step-up.

At your age, growth is still required. Too much FD and gold will reduce long-term wealth creation.

» Asset Allocation Correction

Current allocation shows heavy weight in:

– FD Rs 44 lakh
– Gold Rs 40 lakh

Gold and FD together form a very large portion. Gold does not give income. FD gives safety but post-tax returns are moderate.

Suggestion:

– Do not exit gold fully. Keep reasonable allocation.
– Slowly reduce excess FD over next few years and move towards diversified equity mutual funds for long-term goals.
– Keep emergency fund of 6–9 months in bank and FD. Beyond that, excess idle cash should work harder.

» Insurance Review

Term cover of Rs 50 lakh is low.

– Considering child age and inflation in education, you should review and increase total term cover.
– Aim for at least 10–12 times annual income protection.

Health insurance is not mentioned. If not adequate, increase family floater coverage.

» Risk Management & Behaviour Discipline

– Do not frequently change funds based on market noise.
– Review once a year.
– Keep goals separated mentally and financially.

Your SIP structure is good. Just rebalance and align with time horizon.

» Tax Awareness

– Equity mutual fund gains above Rs 1.25 lakh (long term) are taxed at 12.5%.
– Short term gains are taxed at 20%.
– Debt fund gains are taxed as per slab.

So plan withdrawals smartly. Do not redeem in one single financial year if avoidable.

» Action Plan – Next 12 Months

– Separate education corpus immediately.
– Increase term insurance.
– Gradually rebalance FD surplus into long-term mutual funds.
– Step-up SIP yearly.
– Create clear written retirement number target.
– Review NPS asset allocation to ensure enough equity exposure.

» Finally

You are not late. You are actually ahead in discipline and savings. Only re-alignment is required.

Education funding needs safety now.
Marriage needs growth.
Retirement needs structured and increasing equity exposure.

If you implement these corrections calmly, you can achieve all three goals without stress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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