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Should a Girl with 85.98 Percentile in JEE Mains 2025 EWS Category Expect Admission in NITs or IIITs?

Dr Dipankar

Dr Dipankar Dutta  |1403 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 22, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Rajeswari Question by Rajeswari on Mar 09, 2025Hindi
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Jee mains 2025 session 1 result 85.98 percentile EWS category girl sir Which NIT IIIT admission getting....

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Nayagam P

Nayagam P P  |5008 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 2025

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85.98 jee mains result 2025 session 1 EWS category female which NIT IIIT admission getting sir request sir...
Ans: Rajeswari,

How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8511 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 24, 2025

Money
Hi Sir, I'm a 36 yrs aged software employee working in Hyderabad with monthly in hand salary of 120k and withs 2 kids my son(his age is around 4 yrs) and my daughter (her age is around 2yrs). I have the following investments as of today. 1) PPF -8.5 Lakhs (12500/- monthly contribution) 2) Sukanya(SSY)- 4.8 Lakhs (12500/- monthly contribution) 3) NPS - 1.5 lakhs (8560/- monthly contribution) 4) EPFO - 6.5 Lakhs 5) NPS Vastalya (My son) - 13k (1k monthly contribution) 6) Post office RPLI (My wife) - 1.3 lakhs (22000/- yearly contribution) after the above all deductions, I can save 50k per month. My long term goal is buying a flat/house along with my retirement plan in next 10 yrs and need take care of my children education & marriage. I don't have any accumulated amount for down payment for buying a flat/house. What would be best approach to purchase a flat/house in Hyderabad ? should I take a home loan and buy a flat immediately in next 1/2 yrs (or) Should I invest an SIP of 50K per month for 5/10 yrs then buy ?
Ans: Thank you for sharing detailed information. You already have a disciplined approach to savings. You are clearly focused on long-term goals. Let's now look at the best approach to meet those goals.

 
 
 

Income and Savings Review
Your monthly in-hand salary is Rs.1.2 lakh. That gives a good base.

 
 
 

After all deductions, you can save Rs.50,000 monthly. That is a strong habit.

 
 
 

With two kids, financial responsibilities are high. You are still managing savings. Appreciate it.

 
 
 

Let’s now assess each of your investments.

 
 
 

Review of Existing Investments
PPF of Rs.8.5 lakh with Rs.12,500 monthly. Good for long-term. Safe and tax-free.

 
 
 

Sukanya for your daughter with Rs.4.8 lakh is well-planned. Continue it till she turns 14.

 
 
 

NPS of Rs.1.5 lakh with Rs.8,560 monthly. It builds retirement corpus. Continue it.

 
 
 

EPFO of Rs.6.5 lakh is part of your salary benefits. That’s a stable addition to retirement.

 
 
 

NPS for your son is a new initiative. It’s too early to predict its usefulness.

 
 
 

Post office RPLI in wife’s name with Rs.1.3 lakh. Yearly Rs.22,000 is manageable.

 
 
 

Overall, you have built a strong base with safe and regular investments. But these are mostly conservative. They may not beat inflation by a good margin.

 
 
 

Let’s now look at your primary goals.

 
 
 

Goal 1: Buying a Flat in Hyderabad
This is a big financial goal. Needs careful planning and timing.

 
 
 

You have zero savings for down payment now. That limits immediate action.

 
 
 

Buying now through a loan will put pressure on your cash flow.

 
 
 

If you go for loan now, EMI may be Rs.30,000–Rs.35,000 monthly.

 
 
 

That leaves you with very little for future goals and emergencies.

 
 
 

It is better to avoid rushing to buy flat now.

 
 
 

You can start a savings plan for down payment. Build at least Rs.6–8 lakh in 3–4 years.

 
 
 

Then you can take loan for balance amount. EMI will be safer then.

 
 
 

This way, your financial stress remains low.

 
 
 

Should You Wait or Buy Now?
Let’s compare both approaches carefully.

 
 
 

Buy Flat Immediately:

EMI pressure starts immediately. About Rs.30,000–Rs.35,000 per month.

 
 
 

You won’t be able to invest Rs.50,000 monthly anymore.

 
 
 

No funds left for kids’ future or your retirement.

 
 
 

You will be forced to stop current PPF or NPS contributions.

 
 
 

Not a safe approach. Will affect your other goals badly.

 
 
 

Wait and Invest for 5 Years:

Invest Rs.50,000 every month for 5 years.

 
 
 

You can build a down payment corpus of Rs.6–8 lakh easily.

 
 
 

Invest this amount in regular mutual funds with CFP guidance.

 
 
 

You can plan your home buying calmly. With less loan burden.

 
 
 

Your EMI will start only after 5 years. By then income also will grow.

 
 
 

Verdict: Wait and invest. Buy later. More secure path.

 
 
 

About Mutual Funds for SIP
SIP is best way to grow money in a planned way.

 
 
 

You should go for actively managed mutual funds.

 
 
 

Avoid index funds. They just follow index. No protection in falling market.

 
 
 

Actively managed funds try to give higher return than index.

 
 
 

They select good companies using deep research.

 
 
 

Use regular mutual funds through MFD with CFP support.

 
 
 

Avoid direct mutual funds. No help, no monitoring, no personal advice.

 
 
 

Regular funds provide tracking, rebalancing and expert guidance.

 
 
 

For you, regular plans through CFP will reduce risk and improve returns.

 
 
 

Start SIP of Rs.50,000 monthly in 3 to 4 funds.

 
 
 

Mix of large, mid and flexi-cap funds can work well.

 
 
 

Over 5 years, this SIP will help in flat down payment.

 
 
 

After that, you can reduce SIP and start EMI for flat.

 
 
 

Also continue SIP with lower amount for retirement and kids’ goals.

 
 
 

Retirement Planning
You are 36 now. Planning retirement early is smart.

 
 
 

NPS and EPFO are your current retirement tools.

 
 
 

They are safe but not flexible. Returns also moderate.

 
 
 

Mutual funds SIP gives better flexibility and return potential.

 
 
 

You can assign one fund’s SIP fully to your retirement goal.

 
 
 

You need bigger retirement fund. So SIP is needed even after NPS and EPFO.

 
 
 

Don’t rely only on NPS. Add mutual fund SIP to build a proper retirement fund.

 
 
 

Children’s Education and Marriage Planning
Your son is 4. Your daughter is 2. You have 13–16 years for education planning.

 
 
 

Sukanya is good for daughter. But more is needed.

 
 
 

For both kids, education cost will be high.

 
 
 

Start separate SIP for each child’s education.

 
 
 

You can start with Rs.10,000 each per month. Adjust based on your income.

 
 
 

Use separate mutual funds for these goals.

 
 
 

Later, assign some part of PPF maturity also for child marriage.

 
 
 

Avoid child insurance plans. Low return, high cost, and lock-in.

 
 
 

SIP in regular funds gives better flexibility and growth.

 
 
 

Emergency Fund
Emergency fund is must for every family.

 
 
 

Keep at least 6 months’ salary as emergency money.

 
 
 

That is Rs.7.2 lakh in your case.

 
 
 

Use bank savings or liquid mutual funds for this.

 
 
 

Emergency fund is not for investing. Don’t mix it with SIP.

 
 
 

Build this fund slowly over 6–8 months.

 
 
 

Insurance Review
You have RPLI for wife. That is a savings product.

 
 
 

You need pure term insurance. Sum assured of Rs.1 crore is needed.

 
 
 

Premium is low. Life protection is high.

 
 
 

No need for ULIPs or investment-cum-insurance plans.

 
 
 

Also check for proper health insurance for family.

 
 
 

Don’t depend only on office health plan.

 
 
 

Tax Efficiency
Your current investments give good tax benefits.

 
 
 

PPF, Sukanya, NPS all have tax benefits.

 
 
 

EPFO also gives tax-free interest.

 
 
 

Mutual funds have long-term tax advantages too.

 
 
 

LTCG above Rs.1.25 lakh is taxed at 12.5%.

 
 
 

STCG taxed at 20%. Still better than FD or RD taxation.

 
 
 

Mutual funds help in better tax planning in long term.

 
 
 

What You Can Do Now – Step-by-Step
Start SIP of Rs.50,000 monthly in 3–4 mutual funds.

 
 
 

Take help from CFP for selecting right funds.

 
 
 

Review current RPLI. Keep only if not affecting liquidity.

 
 
 

Buy term life cover of Rs.1 crore immediately.

 
 
 

Start emergency fund. Target Rs.7.2 lakh over 1 year.

 
 
 

Start planning for home buying after 4–5 years.

 
 
 

Rebalance your investments every year with your CFP.

 
 
 

Track progress of each goal separately.

 
 
 

Don’t take any loan now. Wait until you are ready.

 
 
 

Finally
You have done a good job with disciplined savings.

 
 
 

But now, you need to shift from saving to smart investing.

 
 
 

Mutual funds with CFP guidance will take your goals forward.

 
 
 

Avoid direct funds and index funds. Use active regular funds.

 
 
 

Delay home buying. Build your down payment through SIP first.

 
 
 

Continue PPF, NPS and Sukanya. But add mutual fund SIP for higher growth.

 
 
 

Keep insurance pure and simple. No ULIPs or endowment plans.

 
 
 

Follow this roadmap. All your goals can be met peacefully.

 
 
 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
 
https://www.youtube.com/@HolisticInvestment

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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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