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Nayagam P

Nayagam P P  |10947 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

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.
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Aditya Question by Aditya on Jun 10, 2025
Career

Sir no issue of location but there should be a good environment with higher placement of cse

Ans: Here are 15 reputed engineering colleges across India accessible with a JEE Main rank of 219,950 (85 percentile) and 95.4% in boards (92.33% PCM), based on cutoff trends, institutional credibility, and placement outcomes:

1. Amrita Vishwa Vidyapeetham (Coimbatore/Amritapuri)
Programs: Mechanical, Civil, Chemical Engineering

JEE Main Cutoff: ~83–85 percentile (2024)

Highlights: NAAC A++ accreditation, 80–90% placements in core engineering roles, industry-aligned labs, and research centers.

2. Bennett University (Greater Noida)
Programs: CSE, AI/ML, Electronics

Admission: JEE Main (85+ percentile) or SAT

Highlights: Partnerships with IBM, Microsoft, and AWS; 90% placements in tech roles.

3. UPES Dehradun
Programs: Energy Engineering, Infrastructure

JEE Main Cutoff: ~80–85 percentile (non-core branches)

Highlights: Specialized curriculum for energy sectors, 85% placements in ONGC, Schlumberger, etc..

4. Galgotias University (Greater Noida)
Programs: CSE, IT, Robotics

JEE Main Cutoff: 85–90 marks (aligned with 85 percentile)

Highlights: 700+ recruiters, 87% placement rate, emphasis on hackathons and internships.

5. Nirma University (Ahmedabad)
Programs: Mechanical, Civil, Electrical

JEE Main Cutoff: ~1500–6000 rank (state quota)

Highlights: NBA accreditation, 92% placements via TCS, L&T, and Adani.

6. MIT World Peace University (Pune)
Programs: AI/ML, Data Science

Admission: JEE Main or MHTCET

Highlights: Industry 4.0 labs, 85% placements in startups and MNCs.

7. KIIT University (Bhubaneswar)
Programs: IT, Electronics, Civil

JEE Main Cutoff: ~220,000–240,000 rank

Highlights: 95% placement rate, collaborations with Siemens and Deloitte.

8. Manipal Institute of Technology (Manipal)
Programs: Mechatronics, Biotechnology

Admission: MET or JEE Main (management quota)

Highlights: 90% placements, research partnerships with MIT USA.

9. Siksha 'O' Anusandhan (SOA) University (Bhubaneswar)
Programs: CSE, Electrical

JEE Main Cutoff: ~230,000 rank

Highlights: NAAC A++, 88% placements in core engineering sectors.

10. Pandit Deendayal Energy University (Gandhinagar)
Programs: Petroleum, Chemical Engineering

JEE Main Cutoff: ~200,000–250,000 rank

Highlights: Focus on energy sectors, 80% placements in Reliance, Cairn, etc..

11. Shiv Nadar University (NCR)
Programs: CSE, ECE

Admission: SNUSAT or JEE Main

Highlights: Liberal arts-integrated curriculum, 85% placements in Microsoft, Amazon.

12. Jain University (Bangalore)
Programs: Aerospace, IoT

Admission: JEE Main or Uni-Gauge

Highlights: Incubation centers, 82% placements in Airbus, Bosch.

13. Hindustan Institute of Technology (Chennai)
Programs: Automotive, Aerospace

JEE Main Cutoff: Direct admission with 90%+ boards

Highlights: Partnerships with Rolls-Royce, 80% placements in core engineering.

14. Symbiosis Institute of Technology (Pune)
Programs: CSE, Robotics

Admission: SET or JEE Main

Highlights: Interdisciplinary projects, 88% placements in tech roles.

15. GLA University (Mathura)
Programs: CSE, Mechanical

JEE Main Cutoff: ~85 percentile

Highlights: 75% placements in Mahindra, Infosys; focus on applied learning.

Key Recommendations
Prioritize Amrita or KIIT for core engineering branches with strong placements.

Bennett University or MIT WPU for emerging tech specializations (AI/ML).

UPES or PDEU for niche sectors like energy/petroleum.

Leverage board scores (95.4%) for direct admission/fee waivers at Manipal, Jain, or Hindustan Institute.

Confirm management quota options at SRM Chennai or VIT Bhopal if CSE is preferred.

Ensure to verify branch-specific cutoffs during counselling and explore merit scholarships based on academic performance.
Career

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Ramalingam

Ramalingam Kalirajan  |11064 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 16, 2026

Asked by Anonymous - Mar 15, 2026Hindi
Money
I have 12 lack Diamonds plain from orintal insurance company medicliam policy I want to know how much amount issue for lens for cataracts surgery
Ans: Your effort to maintain a high-value health insurance cover of Rs.12 lakh is very good. Many people realise the importance of medical insurance only during a hospitalisation. Because you already have a strong cover with The Oriental Insurance Company Limited, you have created an important financial protection layer for your family.

However, when it comes to cataract surgery and lens cost, health insurance policies usually have specific limits. It is important to understand these limits clearly.

» Understanding Cataract Surgery Coverage

– Cataract surgery is normally covered under mediclaim policies.
– The policy usually pays for hospitalisation, surgeon fee, OT charges, medicines, and intra-ocular lens (IOL).
– But most policies keep a limit on cataract treatment, even if the total sum insured is higher.

This means even if your policy cover is Rs.12 lakh, the cataract claim may be restricted to a smaller amount.

» Typical Cataract Limits in Health Insurance

In many mediclaim policies in India:

– Cataract surgery may be limited to around Rs.25,000 to Rs.40,000 per eye, depending on policy terms.
– Some upgraded plans allow up to Rs.50,000 or slightly higher per eye.
– Premium imported lenses, laser techniques, or advanced multifocal lenses may cost more and the extra amount has to be paid by the patient.

So the lens cost alone may range from Rs.8,000 to Rs.60,000 or more depending on the type selected. Insurance will usually reimburse only within the cataract limit mentioned in the policy

» How Lens Charges Are Treated

– Standard mono-focal lenses are generally covered within the cataract limit.
– Advanced lenses such as multifocal or toric lenses are treated as upgraded choices.
– The difference between the hospital bill and the policy limit becomes out-of-pocket payment.

Because hospitals sometimes suggest premium lenses, it is important to check the insurance approval amount before surgery.

» Practical Steps Before Surgery

– Ask the hospital to send a pre-authorisation request to the insurer.
– Confirm the maximum cataract limit per eye under your policy.
– Ask the hospital for a detailed estimate showing lens cost separately.
– Check whether the surgery will be cashless or reimbursement.

This small step avoids confusion during discharge.

» Financial Planning Perspective

From a Certified Financial Planner’s view, you have already taken a wise step by maintaining a large medical insurance cover. Cataract surgery is a common age-related treatment, and insurance helps reduce the financial burden.

Still, remember:

– Health insurance works with sub-limits for certain treatments.
– The sum insured does not always mean the entire bill will be paid.
– Understanding these limits in advance helps you plan your medical expenses calmly.

» Finally

Your Rs.12 lakh mediclaim cover is a strong safety net. For cataract surgery, the insurance company will normally pay only up to the cataract treatment limit mentioned in your policy, and any premium lens upgrade may need personal payment.

So the best action is to check the exact cataract limit in your policy schedule or call the insurer’s customer care before the surgery.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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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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