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Mayank

Mayank Kumar  | Answer  |Ask -

Education Expert - Answered on Aug 31, 2023

Mayank Kumar is the co-founder and managing director of upGrad, a higher EdTech company. With over 10 years of experience in the education sector, Kumar can offer guidance about degree courses, campus, job-linked and executive programmes and studying abroad.An MBA graduate from ISB Hyderabad, he holds a BTech in mechanical engineering from IIT Delhi.... more
RAJIV Question by RAJIV on Jun 29, 2023Hindi
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How I can complete my B. TECH IN ELECTRONIC AND COMMUNICATION ENGINEERING ONLINE. I HAVE COMPLETED DIPLOMA COURSE IN THIS STREAM AND NOW IN GOVT. JOB. PLEASE TELL ME SOME AICTE APPROVED INSTITUTE TO IMPROVE MY EDUCATIONAL QUALIFICATION WHICH IS HELPFUL FOR MY JOB.

Ans: ​Hi Rajiv, Completing your ​B.Tech in Electronic and Communication Engineering online while maintaining your government job is a ​g​ood idea. There are several AICTE-approved institutes ​available but might have to thorough research before you make an informed career move:

​a) Look for institutes that have a good reputation and offer flexible schedules suitable for working professionals. Some well-known institutions in India that offer online engineering programs include:

Indira Gandhi National Open University (IGNOU)
​Amity University Online
​Sikkim Manipal University Distance Education

​b) Once you've identified institutes, carefully review the course curriculum and syllabus for the B.Tech program they offer. Ensure that the subjects align with your career goals and cover relevant topics in electronic and communication engineering​, and also check the admission requirements for the program​. Since you have completed a diploma course, you might be eligible for lateral entry into the B.Tech program, which could save you some time.

​c) Since you're working, it's important to choose a program that offers flexibility in terms of scheduling and study pace. Look for programs that provide online lectures, recorded materials, and support through digital platforms.​ Also, it is very critical to ensure that the institute and the program you choose are accredited by relevant authorities. AICTE approval is important, but also consider other accreditations​ and alternate skills that might add value to your degree.​ There are several online education companies that might help you achieve that; would advise you to assess your skill competencies and take a call.

​d​) Understand the cost of the program, including tuition fees, examination fees, and any other expenses​ + Compare different institutes to find the one that offers a good balance of quality education and affordability.​ Balancing work, studies, and personal life can be challenging​, hence ensure you plan your schedule effectively to allocate time for studying, assignments, and exams.

​e) Online programs might offer opportunities to interact with fellow students through discussion forums or online platforms. Networking can enhance your learning experience and provide you with a broader perspective.​ Remember that pursuing an online B.Tech program requires dedication and discipline​, and it's a significant commitment,​ so ensure your career goals are aligned with the same.
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Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on May 15, 2023

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Hello sir, I have completed diploma in ECE and currently working in railway now I want to complete next higher education i.e. B. tech. Please help me for online courses to upgrade my qualifications.
Ans: Hi Rajiv,

Congratulations on completing your diploma in ECE and pursuing higher education! Online courses are a great way to upgrade your qualifications while working. Here are a few recommendations for online B.Tech courses:

NPTEL (National Programme on Technology Enhanced Learning): NPTEL offers a wide range of online courses in various engineering disciplines, including ECE. They are conducted by prestigious Indian institutes and are often free of cost.

Coursera: Coursera is a popular platform that provides online courses from top universities and institutions around the world. You can find B.Tech courses in ECE offered by universities like Stanford, Georgia Tech, and University of Colorado Boulder.

edX: Similar to Coursera, edX offers online courses from leading universities. You can explore their catalog for B.Tech courses in ECE and related fields. Massachusetts Institute of Technology (MIT) and University of California, Berkeley are some of the institutes that offer courses on this platform.

Udemy: Udemy is a platform with a wide range of online courses, including B.Tech courses in ECE. The courses are created by individual instructors, so it's important to check reviews and ratings before enrolling.

Online Programs by Universities: Many universities offer online B.Tech programs designed for working professionals. Look for reputable universities that offer distance or online learning options in your desired specialization.

Remember to review the course content, instructor credentials, and student reviews before enrolling in any online course. It's also beneficial to consider programs that provide hands-on projects or industry collaborations for practical experience. Good luck with your B.Tech journey!

Regards,
Abhishek Shah

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Dear Sir, I am 40 year old, my take home is 1.41 lacs per month. I have 11 year old daughter and 3.5 year old son. I am investing 12.5k per month in SSY (27 lacs in total) and 12.5k per month in PPF (6 lacs in total). Investing around 4k in SIP in index fund (1.2 lacs) and I have around 30 lacs in FD. I have taken 1cr term insurance and have 10lakhs health insurance for family. FD is not giving me satisfactory returns and not beating the inflation. I am planning to invest 25 lacs in buying a site. I don't have any loans and don't have major commitment other than children education. I request you to guide me on future investments, I would like to get a constant income of 1-1.5 lacs PM after 5-6 years.
Ans: Hi Ajay, understand the SSY and PPF are also not givin you enough returns, your SIP in index funds and FD all are ineffecient return making assets. Buying a site will not ensure liquidity when you will need it the most, and 10L health insurance for a family of 4 is low as well.
Having a constant income of 1-1.5L p.m. means annually 12-18L of income, and to have a passive income like that, your corpus should be 15-16x of the annual income --> which means we are looking at 1.8Cr to 2.7Cr of corpus in the next 5-6 years.
There are a lot of flaws in your investment strategies because at one place you are wanting to lock in money at a site, in SSY and PPF and on the other you are looking to earn 1-1.5L p.m. which is possible through liquid investments.
I would love to help you out, but to me it feels like there is a gap in the knowledge about investments and personal finance. If you are wanting to have a detailed conversation about your investments and where you can park your money to grow it to have the monthly income you want after a certain number of years, visit my website www.slwealthsolutions.com

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Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

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I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education
Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

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