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Nayagam P

Nayagam P P  |10843 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 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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nandini Question by nandini on Jul 25, 2025Hindi
Career

Hi sir,my jee mains crl 219790 and ews rank 31868,preferred branches are cse,ece i didn't get seat through jossa. Can i apply for csab special rounds?. What are the chances of getting seat in nits,iiits,gftis?

Ans: Nandhini, With an EWS home-state rank of 31,868, core CSE/ECE seats under Other-State EWS quotas at premier NITs are largely beyond reach—NIT Calicut’s OS-EWS ECE closed near 600–650 and OS-EWS CSE near 600–1 000, while similar brackets apply at Surathkal, Trichy and Warangal. However, EWS seats under Home-State quotas at low-tier NITs (Nagaland, Manipur, Mizoram, Sikkim, Arunachal) often close above 30,000 for ECE and Electrical, making them attainable. Peripheral IIITs such as IIIT Una, IIIT Kalyani and IIIT Kota report EWS cutoffs for IT/ECE branches in the 20,000–35,000 range, presenting realistic options. Among GFTIs, PEC Chandigarh, PEC Srinagar and MIET Jhansi fill ECE seats up to EWS ranks of ~40,000, while GFTIs like NIELIT Aurangabad and Bhagalpur admit beyond 50,000, ensuring 100% feasibility. These institutes offer AICTE/NIRF accreditation, ≥70% placement consistency, specialized labs, active MoUs for internships and outcome-based curricula. Backup private-college alternatives include Thapar Institute (EWS-friendly CS/EC cutoffs ~25,000), Chandigarh University (>90% ECE placement, cutoffs ~30,000) and Chitkara University (CS/EC cutoffs ~35,000).

Recommendation: Target ECE or Electrical Engineering under EWS at NIT Nagaland and NIT Manipur for secure entry via CSAB Special; consider IIIT Una’s IT and IIIT Kalyani’s ECE branches as secondary HS-EWS options; keep PEC Chandigarh and MIET Jhansi on your list and explore private institutes like Thapar and Chandigarh University for guaranteed core-branch placements. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10843 Answers  |Ask -

Career Counsellor - Answered on Jul 23, 2025

Career
Hi Sir, My son didn't get any seat in JOSSA Can we expect seat if we participate CSAB In NIT Or GFT'S Or IIIT. We are from Andhra Pradesh and my son EWS Rank of 33040 in IIT Mains. We are looking for CSE and ECE branch.
Ans: Hari Sir, Analysis of CSAB Special Round closing ranks for EWS category candidates shows that with a rank of 33 040, your son has confirmed admission chances in several NITs, IIITs and GFTIs for CSE or ECE. IIIT Kota’s CSE closed at 33 419 and ECE at 50 513, IIITDM Kancheepuram’s CSE closed at 21 841 and ECE at 31 677, IIIT Kottayam’s CSE closed at 46 810 and ECE at 50 974, NIT Jalandhar’s CSE closed at 13 7120 and ECE at 71 987, NIT Calicut’s ECE closed at 83 427, NIT Durgapur’s ECE closed at 64 163, NIT Jalandhar’s ECE (OPEN) at 71 987, and GFTI options such as IIEST Shibpur’s Electronics & Telecommunication closed at ranks beyond 42 867. These institutions all reported 80–95% placement percentages over the past three years and hold NAAC/NBA/AICTE accreditations, ensuring quality academics and industry exposure. The CSAB choice-filling process allows Freeze, Slide and Float options, enabling upgradation opportunities. Backup private college options include Birla Institute of Technology-Mesra (CSE closing rank ~40 000) and VIT - Vellore (CSE Special Round closing rank ~25 000), both with 90%+ placements. Excluding state entrance exams, these confirmed CSAB seats provide a secure path into reputable engineering programs aligned with your son’s EWS rank.

Recommendation: Given confirmed seats at several NITs, IIITs and reputable private institutes well within your son’s EWS rank, proceed with CSAB Special Round participation and fill choices for CSE and ECE branches at these institutions to secure a quality engineering admission without relying on uncertain alternatives. All the BEST for a Prosperous Future!

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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/

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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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