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Radheshyam

Radheshyam Zanwar  |6718 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 19, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Jul 18, 2025Hindi
Career

JEE Mains 40915 rank (Gen) is there a possibility to get any core branch in Tier 1 NIT

Ans: Hello dear.
Chances for core branches in Tier 1 NITs are slim, but chances with core branches (Civil/Metallurgy) in less-demand NITs.

Good luck.
Follow me if you receive this reply.
Radheshyam
Career

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Nayagam P

Nayagam P P  |10843 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Listen
Career
I got 98.2 percentile in jee mains 2025 Jan attempt can I get core branches in top NITs
Ans: Priyanshu, Here is, 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 was 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 (Convert your percentile into All India Rank with the help of a formula available in Google).
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.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

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

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

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Latest Questions
Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Money
Hope you are doing great. I am 32 years old. I earn roughly 1.1lkh per month. My PPF portfolio is around 19lkh(started in 2018) giving 12.5k per month(From next year 80CC tax benefit will be of no use) lock in till 2033, I also have SIP of 30k (Axis Index- 5k, Axis Midcap-5k & SBI Small cap-20k(Since-2022 & add lumpsum sometimes))- Invested Value Now Rs 12.26lkh & Return- Rs 15.84lkh. I Invest in mostly blue chip equity stocks time to time from 2021 & have invested round about 10lkh & return is 15lkh. My monthly spend is around 30k. I have stacked emergency fund in India Post & Liquid fund. I can invest max 30k if PPF continues & 42.5k if PPF doesn't continue after the lock in is over. With 5% step up annually. I have a few questions: 1. Since PPF will not contribute to my tax savings from next year what should my approach be? Stop PPF & wait till 2033 for it to mature. And invest 12.5k SIP in MF? If yes where should I & in what ratio. 2.I want to reach the goal of 4-5cr in the next 15 years. Kindly guide me. Thanks in advance. Regards
Ans: Hi Subho,

There is no benefit of continuing your PPF investments for tax benefit. Redirect extra 12.5k per month to mutual funds.
But you cannot close your PPF account before 2033, hence contribute only 500 per year to keep the account active.

Total new monthly contribution in MF - 42.5k.
Current selection of funds is not recommended. Your overall contribution in small cap is way too much to continue. Distribute equally in all 3 funds from now on. And can add a flexicap fund of 10k per month in your portfolio.

Try to increase your SIP whenever possible. As with current allocationand contribution, you will get 3.4 crores after 15 years. Where as if you do an annual stepup of 10%, you can get 5 crores after 15 years which you want.

Also as your portfolio size is big, taking a professional advisor's help is recommended. And avoid investing in direct stocks. Reinvest the stock money into mutual funds for a consistent and safe growth.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Asked by Anonymous - Nov 17, 2025Hindi
Money
Hi, I'm sorry in advance for a lengthy read and numerous questions. I'm 38 years old and would like to retire in next 10 years or less and I would like to reach portfolio worth 4 CRs and then retire. I already have a term insurance of 2 CR and gold of around half a KG. I currently have 20Lkh (15 for investment and 5 as emergency fund) that I would like to invest in lumpsum. My current portfolio (around 1 year old) is as follows and their Current value: SIPs were stopped in Jan 2025 due to financial reasons. 1. Parag Parikh Flexi Cap Fund : 181920 (+9.93%) 2. Quant Small Cap Fund: 166550 (-1.74%) 3. Motilal Oswal Midcap Fund: 1,66,193 (+1.03%) 4. Nippon India Large Cap fund: 157025 (+8.67%) 5. HDFC Balanced Advantage Fund: 132040 (+6.06%) 6. Nippon India Nifty 500 Momentum 50 Index Fund: 84714 (-15.30%) 7. Stock portfolio: 810000 (+6%) I need help with a few of things. 1. Investing the large sum of 15 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? Or is it not the right time to invest the bulk amount? 2.SIP: I would like to reinstate SIP of 1.3 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? 3. 5 lakh emergency fund: Which specific asset class/MF should this be invested so that I can make a decent return better than savings account while this amount is easily accessible for emergencies. Please suggest specific fund even if it is debt/liquid/hybrid fund. Thank you for your help in advance.
Ans: Hi,

It is great that you are taking a step forward towards your early retirement after 10 years. Let us analyse things one at a time.
1. Emergency Fund - You want to put 5 lakhs as emergency fund for you. It is a good amount and you can park in liquid mutual fund. Go for ICICI or HDFC liquid funds for this.
2. Term Insurance - 2 crores cover is good enough. If you share monthly income, would be able to calculate exact amount more accurately.
3. Health Insurance - Take one with a minimum cover of 15 lakhs to cover yourself and family.
4. Current MF - currently around 8.5 lakhs value. Good funds. Continue this amount in these.
5. Stocks - current value of 8.1 lakhs. Direct stock investment is very risky and nor recommended as it requires complete tracking and knowledge. You can consider shifting the entire amount in mutual funds for your retirement.

You want to invest a lumpsum of 15 lakhs and start a SIP of 1.3 lakhs again. You can choose to invest 15 lakhs in equal proportion in your current mutual funds and start SIP in the same funds as well.
However, you can also consider consulting a professional advisor who can build a portfolio for you for all your investments. An advisor guides you with right investment throughout and monitors all investments periodically to cater the requirement and market movements.

Your goal is to reach a corpus of 4 crores in 10 years. With current investments you can only get 3.5 crores in 10 years. You need to increase your SIP by 10% each year to get 5 crores.

Also make sure you have no financial liability left when you retire. And have a dedicated fund for other major goals such as kids education, travel, their marriage etc.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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