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Should I pursue an MSc in Physics after BTech?

Prof Suvasish

Prof Suvasish Mukhopadhyay  |630 Answers  |Ask -

Career Counsellor - Answered on Feb 21, 2025

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
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Surojit Question by Surojit on Feb 17, 2025Hindi
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Career

I want to persue msc physics after btech

Ans: You can do that.You may have to go for some extra course work, because your background is not B.Sc with Physics as major.
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Sushil

Sushil Sukhwani  |594 Answers  |Ask -

Study Abroad Expert - Answered on Sep 26, 2023

Asked by Anonymous - Sep 25, 2023Hindi
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Hello sir, I am currently doing btech cse from government college,but i wanted to do bsc honors in physics. Can I still do an MSc in physics after btech in Abroad?? What should I do to do masters in physics in abroad ?
Ans: Hello,

To begin with, thank you for reaching out to us. To answer your first question, yes, it is indeed possible for you to pursue an MSc in Physics abroad after completing a B.Tech in Computer Science and Engineering.
However, before you decide to pursue your masters, I would recommend you to do the following:

1. Do a bridge course: A program like Physics MSc program would need you to have a strong grip in subjects like physics and mathematics. Since there would be a gap between your engineering degree and MSc, you may have to take up additional courses in physics and math to address the requirements. You can opt for courses in classical mechanics, electromagnetism, quantum mechanics, and mathematical methods in physics from a reputed college in India.

2. Enrich your skills and knowledge: While still embarking on your Bachelor’s of Technology journey, you should conduct further research and study on your own to boost your knowledge in Physics. For the same, I recommend that you participate in research or initiatives that are related to physics. Not just that, you should also read physics textbooks, or reach out to faculty members to acquire their advice as they can aid you in your educational pursuits.

3. Enroll Yourself in Bridge Programs: To get started with their MSc program, bridge programs or courses that can be opted for before pursuing Master’s, are offered by several universities to help students with no prior knowledge in Physics. If possible, I recommend that you register for such programs.

4. Conduct A Comprehensive Study on Programs: To find the program that best suits your professional objectives and interests, conduct an all-round study on universities and Master’s in Physics courses offered overseas. I think that it is best to search for those programs that can be opted for by students coming from different intellectual settings or ones that provide bridge courses that can be opted for by students switching from one field to another.

5. Applying to Universities: I suggest that you adhere to the rules set forth by the universities you have considered for the purpose of applying. You will need to submit your academic marksheets, a compelling personal statement or essay, strong recommendation letters, and exams scores of standardized and English proficiency tests. Each university has different application deadlines and I recommend that you pay head to the same.

6. Craft A Compelling SOP: I recommend that your write a strong SOP, one that highlights your educational history, what inspired you to transition from the field of CS to physics, your inclination for research experience, and why you wish to opt for a Master’s in Physics. Throw light on initiatives, pertinent course of study, or past research knowledge.

7. Appear for the GRE Standardized Test or English Competency Exams: While applying to foreign universities, students are required to appear for the GRE standardized test. They also need to take the IELTS or TOEFL English proficiency tests to prove their ability to speak in the English language. I suggest that you prepare well for these tests and aim to achieve high marks in them.

8. Submit Endorsement Letters: You should receive and submit recommendation letters from faculty members who can attest to your academic prowess, and physics abilities.

9. Plan your Finances: Studying abroad can be a costly affair and so I suggest that you arrange for your finances meticulously. Foreign universities offer a number of bursaries/grants, scholarships, and other forms of financial aid possibilities to students studying there. I recommend that you look into the various available options.

10. Follow Visa Rules and Immigration Guidelines: On securing admission to a university, you will then need to apply for a valid visa to study in that country. Not only that, all immigration prerequisites associated with pursuing overseas education should be adhered to.

I also recommend that you get in touch with educational counselors and experts to acquire advice throughout the application procedure.

For more information, you can visit our website.

..Read more

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Ramalingam

Ramalingam Kalirajan  |8327 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2025

Asked by Anonymous - May 09, 2025
Money
Dear Sir, I am 55 and I am a stage 4 cancer patient for the past 5 years. Presently working with a salary of Rs.30 LPA. I have Rs.75 L in SB account. Rs.25 L in shares out of which Rs.12 L is loss. Rs.12 L in mutual funds. Rs.3 L in EPF. No commitments or liabilities. I need to know how I can get Rs. 70 K per month in case I lose my job. Kindly advise.
Ans: I truly appreciate your courage and clarity even in the face of health challenges. With your current financial resources and the need to secure a monthly income of Rs. 70,000, a detailed and careful plan is very much possible.

Let me give you a full 360-degree solution below, step-by-step.

Understanding Your Present Financial Picture
You are 55 years old and have been living with stage 4 cancer for 5 years.

You are still employed and drawing a salary of Rs. 30 lakhs per year.

You have Rs. 75 lakhs in your savings bank account.

You hold Rs. 25 lakhs in shares, with Rs. 12 lakhs in losses.

You have Rs. 12 lakhs in mutual funds.

Rs. 3 lakhs is in your EPF account.

You have no loans or financial commitments.

Your main concern is to receive Rs. 70,000 every month if the job stops.

You are not looking to take risks.

You want regular, reliable income without physical involvement.

Step 1: Emergency Medical and Health Fund
Health comes first. Keep money aside just for medical needs.

This fund should cover two years of your full household and medical costs.

Keep Rs. 15 to 20 lakhs aside for this purpose.

This money should be in ultra-safe places.

Prefer a savings bank account and liquid mutual funds.

This should remain untouched unless truly needed.

This emergency buffer gives peace and avoids panic in tough times.

Step 2: Generate Rs. 70,000 Monthly Income
Rs. 70,000 monthly means Rs. 8.4 lakhs needed per year.

Aim for post-tax cash flow from your investments.

Break your funds into income generation buckets.

Use your Rs. 75 lakhs from savings bank as the core capital.

Avoid keeping the full amount idle in SB account.

Allocate funds into low-risk, stable return instruments.

Prefer investment avenues offering quarterly or monthly payouts.

Choose options where you can withdraw in parts if needed.

Step 3: Structured Investment Allocation
Short-Term Bucket: 1 to 2 Years

Set aside Rs. 18 to 20 lakhs for short-term needs.

Put this money into highly liquid options.

Use only those that protect capital and give fixed income.

These funds will generate stable income for the next two years.

Prefer options offering monthly or quarterly payouts.

This will help replace your salary if job stops.

You don’t need to sell any shares or mutual funds right away.

You get time to think clearly, plan calmly.

Medium-Term Bucket: 3 to 5 Years

Keep around Rs. 25 to 30 lakhs here.

Invest in actively managed hybrid mutual funds.

Choose regular plans through a mutual fund distributor with CFP credentials.

Do not go for direct funds.

Direct plans do not come with personalised guidance.

There is no one to help you rebalance, switch or review.

Regular plans through a Certified Financial Planner offer ongoing support.

With hybrid funds, risk is moderate and returns are better than FDs.

Use SWP (Systematic Withdrawal Plan) to get monthly income.

You can set up SWP of Rs. 40,000 to 50,000 from this bucket.

These funds will last for years while also growing gradually.

Long-Term Bucket: 5+ Years

Keep Rs. 10 to 15 lakhs for the long-term.

This is not for current income, but for inflation beating growth.

Invest in actively managed large cap or balanced advantage funds.

Again, use regular plans with Certified Financial Planner.

These funds will build wealth for later stages.

You can shift gains to the medium bucket after 5 years.

Step 4: Shareholding Review and Action Plan
You have Rs. 25 lakhs in shares.

Out of this, Rs. 12 lakhs are in losses.

Do not sell them in a hurry.

Some may recover if you wait patiently.

First, make a list of all companies and their quality.

Exit poor-quality stocks even at a loss.

Retain good quality stocks with strong future.

If the whole portfolio is confusing, take help from a Certified Financial Planner.

You can harvest the loss now to set off gains later.

Book losses smartly to reduce future capital gains tax.

After cleaning up, move the proceeds to your medium bucket.

Step 5: Mutual Fund Review
You hold Rs. 12 lakhs in mutual funds.

Find out the type of each fund.

If these are equity funds, hold them long-term.

If returns are low or risk is high, shift to hybrid funds.

Avoid investing in index funds.

Index funds cannot protect capital in falling markets.

They simply copy the market blindly.

Actively managed funds are safer.

Professional fund managers take timely actions.

They reduce your risk and improve consistency.

Step 6: EPF Strategy
You have Rs. 3 lakhs in EPF.

EPF earns stable tax-free interest.

Do not withdraw unless it’s urgent.

Keep it as part of your long-term reserve.

Step 7: Monthly Income Setup
Use short-term and medium-term buckets to get income.

Start SWP from mutual funds for Rs. 40,000 monthly.

Use fixed income tools for Rs. 30,000 more.

Review this every year with a Certified Financial Planner.

Adjust amounts if needed based on inflation.

Step 8: Tax Planning and Awareness
Income from mutual funds is taxable.

Long-term capital gains above Rs. 1.25 lakhs taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your slab.

Plan redemptions to avoid tax shocks.

Harvest profits in a planned manner.

Step 9: Avoid These Common Mistakes
Do not invest in real estate.

It is illiquid and needs physical handling.

Do not buy annuities.

They give poor returns and lock your money.

Do not fall for insurance + investment combos.

If you already hold such policies, review them.

Consider surrender if return is poor.

Reinvest the proceeds into mutual funds.

Step 10: Use a Certified Financial Planner
A Certified Financial Planner gives structured and unbiased advice.

They help you with fund selection, SWP setup, rebalancing.

They guide you with tax-saving and risk control.

Their ongoing service is crucial at your life stage.

Choose someone with experience and clear credentials.

Finally
You are in a better financial position than many.

You have no loans, no dependents, and have built good savings.

With a calm and simple plan, you can replace your income safely.

You do not need to take risky steps now.

You have already shown strength by managing your life and job for 5 years.

Now your money should serve you with peace and stability.

Break your capital into buckets.

Get monthly income through safe withdrawals.

Review regularly with a Certified Financial Planner.

Avoid unnecessary complexity or noise.

You deserve a peaceful financial life.

Your health is precious. Let money be your quiet support.

Invest safe. Withdraw smart. Sleep well.

You are already doing well. Just add clarity and structure.

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.

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