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Prof Suvasish Mukhopadhyay  |2751 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
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Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more
comedy Question by comedy on Jul 09, 2025Hindi
Career

Sir my jee score is 91.02 %tile and mht cet is 72 %tile which maharastra college is good according to jee score ews category

Ans: Any middle level Private Engg. College in Pune/Mumbai
Career

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Nayagam P

Nayagam P P  |10806 Answers  |Ask -

Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 22, 2025Hindi
Career
Hello sir, I'm a non maharashtrian and have a jee mains percentile of 67 and a MHT CET percentile of 88. which good colleges in Maharashtra can I get on this basis?
Ans: As a non-Maharashtrian with a JEE Main percentile of 67 and an MHT CET percentile of 88, you are not eligible for top government colleges like COEP Pune, VJTI Mumbai, or ICT Mumbai, as their cutoffs are much higher for both exams and state quota is prioritized. However, you can secure admission in reputable private engineering colleges in Maharashtra such as MIT World Peace University Pune, Dr. D.Y. Patil College of Engineering Akurdi, Vishwakarma Institute of Technology Pune, Bharati Vidyapeeth College of Engineering Pune, G.H. Raisoni College of Engineering Nagpur, and Ramrao Adik Institute of Technology Mumbai, where cutoffs for branches like Mechanical, Civil, Electrical, and sometimes IT are within your percentile range. For JEE Main, government colleges are unlikely, but many private colleges accept your score and offer a variety of branches.

The recommendation is to target private colleges such as MIT-WPU Pune, D.Y. Patil College of Engineering Akurdi, Vishwakarma Institute of Technology, and Bharati Vidyapeeth Pune for branches like Mechanical, Civil, Electrical, or IT, as these are accessible at your percentile and offer good placement support and academic quality. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |10806 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Sir I got 92.766 percentile in jee mains which college I can get in Maharashtra through MHT cet cap counciling I gave MHT cet exam too but I didn't score well in that so on the basis of jee tell me
Ans: Shantnu, With a JEE Main percentile of 92.766, you qualify for All-India CAP seats in many reputable Maharashtra institutes whose closing JEE Main percentiles in CAP rounds fall at or below your score. The following ten colleges guarantee admission for your percentile and are geographically spread across Pune, Mumbai and Nagpur:

Sinhgad Institute of Technology, Lonavala (Vadgaon Road, Lonavala)
Vishwakarma Institute of Technology, Pune (Bibwewadi, Pune)
Pimpri Chinchwad College of Engineering, Pune (Akurdi, Pimpri)
Dr. D. Y. Patil Institute of Engineering & Technology, Pimpri (Pimpri, Pune)
Rajarshi Shahu College of Engineering, Tathawade (Tathawade, Pune)
MIT Academy of Engineering, Alandi (Alandi Road, Pune)
St. Francis Institute of Technology, Borivali (Borivali West, Mumbai)
Fr. C. Rodrigues Institute of Technology, Vashi (Navi Mumbai)
Yeshwantrao Chavan College of Engineering, Wanadongri (Nagpur)
CR Institute of Technology, Bandra (Bandra West, Mumbai)

All these institutions maintain NBA/NAAC accreditations, modern engineering and computing labs, experienced PhD faculty, active industry tie-ups and placement cells recording 70–90% branch-wise placement consistency over the last three years.

Recommendation: Prioritize Sinhgad Institute of Technology for its strong accreditation, proximity to Pune’s IT corridor and 85%–90% placement record; next choose Vishwakarma Institute of Technology for its robust AI/ML and computing labs; follow with Pimpri Chinchwad College of Engineering for its established industry partnerships and consistent student outcomes; then select Dr. D. Y. Patil Institute for its campus infrastructure and CAP-round accessibility; and consider Rajarshi Shahu College of Engineering for its women’s cell, accredited programs, and regional reputation. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |10806 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Hello Sir , My daughter got 83.27 in JEE and 95.25 in MHT-CET. we are staying in Maharastra Pune. Please guide us Which is best college. Thanks
Ans: With your daughter’s General Category MHT-CET percentile of 95.25 and JEE Main percentile of 83.27, she stands an excellent chance of confirmed admission into reputable Mechanical Engineering programs at several Pune and Mumbai colleges, though top three institutes like COEP Pune, VJTI Mumbai, and ICT Mumbai will remain out of practical reach this year. Confirmed admission is highly feasible at Dr. D.Y. Patil Institute of Technology, Pimpri, Pune; Vishwakarma Institute of Technology, Pune; MIT World Peace University, Pune; Rajarshi Shahu College of Engineering, Pune; Army Institute of Technology, Pune; Bharati Vidyapeeth Deemed University College of Engineering, Pune; Pune Institute of Computer Technology, Pune; Pimpri Chinchwad College of Engineering, Pune; Sinhgad College of Engineering, Pune; JSPM’s Rajarshi Shahu College of Engineering, Tathawade, Pune; AISSMS College of Engineering, Pune; Cusrow Wadia Institute of Technology, Pune; G H Raisoni College of Engineering & Management, Pune; Trinity Academy of Engineering, Pune; and, for Mumbai, K. J. Somaiya College of Engineering, Mumbai. Admission into these institutions with 95+ MHT-CET percentile is regularly seen in past CAP rounds, as closing percentiles for Mechanical Engineering have hovered between 91–96 for these colleges in recent years, and each offers good infrastructure, qualified faculty, industry connections, and transparent fee structures, with placement rates between 70–90% for Mechanical branches. All are recognized by NAAC/AICTE, provide competent mechanical labs, and emphasize student support and placement assistance.

Recommendation: Prioritize Vishwakarma Institute of Technology, Pune for its superior placement record and NAAC accreditation, followed by MIT World Peace University, Pune for its modern campus and strong industry links. Also, consider Bharati Vidyapeeth College of Engineering, Pune for academic flexibility, Army Institute of Technology, Pune for discipline and national reputation, and K. J. Somaiya College of Engineering, Mumbai for its extensive alumni network and vibrant campus. These choices offer a balance of campus life, placement opportunities, industry exposure, and faculty support for your daughter’s Mechanical Engineering aspirations. All the BEST for a Prosperous Future!

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Latest Questions
Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Asked by Anonymous - Sep 23, 2025Hindi
Money
My monthly income is 1.4 lakh post taxes and expenses around 30k I have MF invested at around 3.5 lacs (started investing last year). I don’t have a personal flat, house or plot but my Dad has a home loan of around 20 lacs pending which I plan to close with my savings of 1 lac per month, in around 2 years. Only after that will I start investing into my own future. I do occasionally invest around 10-15 k in mutual funds from my 30k expense. Am I thinking and planning in the right direction or is there a better route for me to follow that can help me clear my Dads loan as a gift to him and get a corpus of around 1cr at a near future.
Ans: Hi,

Amazing that you are thinking of clearing your dad's loan as a gift. But paying everything you have each month is not a wise choice.

Another best possible alternative for you would be:
- Pay 50,000 per month towards your dad's debt. Closing it will take 2 more years, but that's okay. As saving for future for yourself and family is equally important.
- Invest remaining 50,000 per month in equity mutual funds. In 5 years, you will have 42 lakhs with this investment. And when you cleear the loan, redirect entire 1 lakhs to these funds. You will get 1 crore in another 2 years.
- If you increase the investment by 10% each year, you can reach 1 crore earlier.
- There is no point in prepaying loan by 1 lakh each month. Take time and prepay it slowly.

In the end, make sure to have your emergency fund in place. Also have ample health and term insurance for yourself and family.

If you want to know the best funds to invest in, take an advisor's help. 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.

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

...Read more

Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Asked by Anonymous - Sep 26, 2025Hindi
Money
Dear financial guru. I am 46 now have a small buisness which I started with 2lac loan soon after my graduation , have 2 sons age 17 and 13 my wife is 40 year she is housewife. From the first day i started savings 1. Now have a corpus of 1cr in FD in bank with monthly intrest withdrawl of 60000 per month on 7% approx This is my retirement corpus 2. Have 1 flat of around 75 lac value which i have given on rent fetching me 20000 per month rent monthly. 3 . Have a investment in 2 plots with current value of around 4 cr and 80 lac 5 living in my ancestral home so I assume it with zero value of selling. 4. PPF ac having saving of around 25 lac matured I have extended it to another 5 years 5. Lic policy of around total 30 lac maturing in around 5 years. 6. Soviener gold bond of todays value for around 12 lac 6. Buisness income around 60000-90000 per month now as now my buissnesd is down due to recession. 7. No loans to repay . No monthly emi to pay. 8. I have taken family health insurance of 25 lac which I will increase to 50 lac in wen I am 50 years. So my current income is Fd intrest 60000 Rent 20000 Buisness income 60000-90000 Total 140000 -180000 Current monthly expenses including school fees 110000 Monthly saving after expense 50000 approx Now my aim 1. Need for my sons education , as my eldor son is 17years good in studies from next year I will be needing around1 lac to 1.50 lac monthly for 4 years as he will be doing btech from good collage maybe in india or abroad. 2 . Plans are approx same for younger son cuurently in 7th will be needing same amount after 4 years for further 5 years for his studies. So need 1-2 lac monthly from next year for around 8-10 years for studies of my both son. After that I will retire and need approx same amount for my entire life. Don’t like invest in share and mutual funds always want safe investment like fd. Pls guide me , I am thinking of selling one plot of 80 lac to manage funds for both sons education exp which I need for 8 -10 years. Second plot I plan to sell wen it’s value come to around 5-6 cr in another 3-4 years from now and will buy another commercial property which will fetching me rental of around 2.5 lac monthly if I rent it to a bank .or will put entire amount in fd with monthly pay out of around 7-8%. Pls guide me if am on right track because have limited knowledge .
Ans: Hi,

You have done so good by building huge assets with your business that you started. It is a genuine worry around kid's education as its cost is rising a lot.
Taking your queries one by one.

1. Your foremost worry of not investing in stocks and mutual funds is very genuine. These come out to be risky. But for people who do not want to take any risk, there are funds as good as FD such as Balanced Funds or Hybrid Funds. As even a FD has risk - if a bank fails, your entire money would be gone in a blink of an eye and you will get only 5 lakhs by government.
So investing in mutual funds is a better option as these funds invest in a pool of stocks. Even if 1 stock fail, your 99% of the money is safe. So you can consider investing in these. Can consult an advisor for the same or reach out to me.

2. Selling one plot for kid's education - good decision. It will cover all cost for both kids and remaining amount (if any) will be for your future.

3. You can shift 70% of FD amount in hybrid mutual funds & start SWP. It comes with comparative tax benefits and better return.

4. PPF is good for you to hold for another 5 years. Continue it.

5. Choosing hybrid funds over FD will gurantee more return and security than any bank's FD.

Rest all is good. You can connect with 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.

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

...Read more

Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Money
Hi sir My age was 35years old, my husband government employee, he was 39 years old, iam freshly start investing in mutual funds Paragh flexi cap fund 6000 monthly sip Nippon india small cap fund 7200 Quant small cap fund 2000 Motilal oswal mid cap 5700 Edlewiss mid cap fund 1000 Motilal oswal nifty microcap 250 index fund 5700 Icici Prudential health care fund 1000 Sbi technology opportunities fund 1000 Sbi infrastructure fund 1000 Sbi energy opportunities fund 1000 Edlewiss us technology fund 1000 Total monthly sip 32600 of monthly rental income This portfolio for long term 20 years, how much returns expected,iam interested to aggressive behaviour.. kindly suggest how much returns expected and first 50 lakh when reaches??
Ans: Hi,

Good to know that you are serious about investing. And you are investing a very good amount for long term.
I understand your risk appetite and time horizon, but the funds you mentioned are not aligned with them.
These funds have overlapping stocks and will not fetch much for you in long run.

As your monthly SIP amount is big, it is better to talk to an advisor to invest. I will not recommend you to continue your SIPs in these funds.

If done your investments correctly, you can reach your first 50 lakhs in 7.5 years. But with current portfolio, it will take 8.5 to 9 years.

A self made portfolio is good, but when the amount is big, it is always better to consult a professional.

Hence, 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.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10744 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2025

Money
Is, it a good idea to buy 18k, 22k or 24k 1g and more gold coin via online rather offline. Digital gold give profits or not and what about starting investing in stock market as a beginner and what things to keep in mind?
Ans: You are thinking wisely about gold and stock investing together. This balanced approach shows financial awareness.

» Buying Physical Gold Coins

Buying online or offline both work. But check purity, hallmark, and making charges.
– 24k gold is purest for investment.
– 22k and 18k are better for jewellery, not investment.
Online platforms may add delivery or premium charges. Always buy from trusted and verified sellers.

» About Digital Gold

Digital gold is easy to buy and sell, but not SEBI regulated. So, it carries counterparty risk. If the company closes, recovery may be hard. Hence, it’s not safe for long-term holding.

» Gold Mutual Funds

Instead of physical or digital gold, gold mutual funds are safer.
– They are regulated by SEBI.
– They track gold prices closely.
– No need to store or insure gold.
– You can start with small SIP amounts.
They give better liquidity and transparency than coins or digital gold.

» Starting in Stock Market

As a beginner, start small and learn slowly. Don’t rush or follow tips blindly.
Invest through mutual funds managed by expert fund managers.
Actively managed mutual funds perform better than index funds in India because fund managers adapt to market conditions.
Focus on long-term wealth, not short-term trading.

» Key Things to Remember

– Always invest through your goal plan.
– Keep 6 months emergency fund.
– Avoid loans for investing.
– Stay disciplined with SIPs.
– Review your portfolio yearly with a Certified Financial Planner.

» Finally

Gold mutual funds can diversify your portfolio better than physical gold.
Start your stock journey step-by-step with guidance and patience.
Both can grow wealth steadily when planned right.

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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