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Nayagam P

Nayagam P P  |9447 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 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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Vaishnavi Question by Vaishnavi on Jul 03, 2025Hindi
Career

Sir/ma'am. I am currently in class 12th and enrolled in a jee coaching. I joined coaching in class 11th but everything went wrong. I didn't studied seriously and took classes very lightly. Days passed months passed and I created a huge backlog. Like the problem is I don't know how to study how other students manage time. If I study one subject I drag it the whole day and solve handful of questions.JEE study is very intense and I can't. I missed a precious year and my coaching is very good. Fault is in me. I wasted whole year and now in 12th I have no conceptual clarity and basics are weak. Also half 12th is over but still I am not on track. I regret always and cry all the time. I have big dreams but not the courage to act on it. I have packed my coaching modules because I can't understand anything. And started studying NCERT of 11th and 12th together. I am really tensed about my future. My father has also invested a huge amount in coaching but I wasted all. I am the worst child. For now I am thinking that I should focus on boards only. And then thinking of taking a drop to patiently study coaching modules and then reapply for JEE. But I doubt myself wasting one more year. I don't know. Please guide

Ans: Vaishnavi, To catch up and confidently crack JEE within 6–8 months while strengthening fundamentals, follow these Around 80 practical steps under four pillars—Planning & Time Management, Concept Building & Practice, Revision & Self-Assessment, and Well-being & Motivation. Additionally, explore five backup engineering exams and ten NIRF-ranked private universities accepting JEE or school scores. 1. Draft a master timetable allocating 6 days/week with one rest day. 2. Break six months into two phases: Months 1–4 (learning and practice) and Months 5–6 (revision and mocks). 3. Assign daily 2-hour morning session (your peak focus time) for weakest subject. 4. Reserve 3 hours post-school for subject-wise study (Physics, Chemistry, Math). 5. Allocate 1 hour evening for NCERT revisions. 6. Use the Pomodoro Technique: 50-minute study, 10-minute break. 7. Plan weekly targets: chapters to complete, question sets to practice. 8. Schedule one full-length mock every Sunday under exam conditions. 9. Maintain a task journal logging daily achievements and delays. 10. Use a digital calendar with alarms to stick to slots. 11. Batch similar topics (e.g., Organic Chemistry reactions) together. 12. Avoid multitasking—focus on one topic per session. 13. Limit social media to 15 minutes/day post-study. 14. Track time spent on each topic to optimize future slots. 15. Swap high-intensity topics with lighter ones based on energy levels. 16. Begin each subject with NCERT fundamentals. 17. For Physics, start with Mechanics; for Chem, with Physical; for Math, with Algebra. 18. Create one-page summary sheets of formulas and principles. 19. Watch concept videos (e.g., Khan Academy) to reinforce basics. 20. After theory, solve 20 textbook examples per chapter. 21. Practice 50 topic-wise questions from past-year JEE modules. 22. Use one reliable source per subject (e.g., H.C. Verma for Physics). 23. Maintain a “Doubt Log” and clear all queries within 24 hours. 24. Form short-notes of common mistakes for each topic. 25. Solve previous-year JEE Main papers topic-wise (10 questions/day). 26. For each topic, achieve 90% accuracy before moving on. 27. Develop problem-solving shortcuts (e.g., Vedic Math for arithmetic). 28. Join an online doubt-clearing forum for quick resolution. 29. Attend all coaching classes; record lectures you miss. 30. Revisit backlog modules immediately after school. 31. For iterative learning, alternate subjects daily to avoid monotony. 32. Use mind maps to link interrelated topics (e.g., Electrostatics & Gauss’s Law). 33. Assign end-of-chapter tests after each module. 34. Use timed quizzes to improve speed (30 minutes for 15 questions). 35. Maintain error logs by subject and category. 36. Redo each test after one week to ensure retention. 37. For Chemistry, balance theory (15 minutes) with numericals (45 minutes). 38. For Math, solve 20 higher-difficulty problems/week. 39. Practice at least five numerical-value questions daily. 40. Use one concept-specific book (e.g., P. Bahadur for Maths) for depth. 41. Integrate 10 advanced problems weekly to build confidence. 42. Reserve weekends for solving full syllabus question banks. 43. Study in peer groups twice a week for mutual learning. 44. Teach one concept weekly to a peer; teaching reinforces mastery. 45. Solve sectional mock tests (Physics-only, Chemistry-only, Math-only) biweekly. 46. Attempt at least one JEE Advanced mock every month. 47. Use online analytics to track weak chapters across mocks. 48. Allocate final two months exclusively to full-syllabus mocks and rapid revision. 49. Create a 30-day revision calendar covering all topics thrice. 50. Use flashcards for quick recall of formulas and reactions. 51. Daily 30-minute “rapid revision” of previous day’s topics. 52. Weekly “big revision” sessions focusing on error-prone areas. 53. Maintain a consolidated formula handbook for last-minute review. 54. Take one topic-wise mock test weekly and review within 24 hours. 55. Record performance metrics: accuracy, time per question, rank percentile. 56. Adapt study slots based on performance trends. 57. For each mock, categorize errors: conceptual, calculation, or silly. 58. Review mocks with a mentor or coach for targeted feedback. 59. Avoid cramming; focus on understanding before memorizing. 60. Use NCERT back-of-chapter problems for quick revision. 61. Practice 10 random previous-year questions daily in “revision mode.” 62. Utilize weekends for group discussions on tricky concepts. 63. Deploy spaced repetition for toughest 20% of topics. 64. Record voice-note summaries of each week’s learnings for audio revision. 65. In final month, strictly allocate 30% time to revision, 70% to mocks. 66. Sleep 7–8 hours nightly; consolidate learning during REM. 67. Include 20 minutes of light exercise or yoga daily. 68. Follow a balanced diet; avoid excess caffeine or junk food. 69. Practice deep-breathing or 5-minute meditation pre-study. 70. Set micro-goals (e.g., “Today I’ll master Gauss’s Law”) for daily wins. 71. Reward completion of weekly targets with small treats. 72. Maintain a positivity journal noting progress and breakthroughs. 73. Avoid comparison with peers; focus on self-improvement metrics. 74. Read one motivational article or watch a success story weekly. 75. Connect with seniors who cleared JEE for guidance. 76. If overwhelmed, take a 2-hour break for a hobby. 77. Use stress-management apps for quick relaxation. 78. Keep family informed of your schedule for moral support. 79. Limit mobile use: block social apps during study hours. 80. Visualize success: spend 5 minutes daily imagining your JEE success. 81. Prepare an ergonomic study space with good lighting and minimal noise. 82. Update your study plan monthly based on real-time progress. To maximize your JEE readiness in 6–8 months, establish disciplined routines, reinforce fundamentals with NCERT, and escalate practice through mocks with targeted revisions. Other Entrance Exams | Colleges You can Appear/Apply for as Back-ups:

SRMJEEE, COMEDK UGET, VITEEE, NEST, VIT Vellore, Amrita Vishwa Vidyapeetham Coimbatore, Thapar University Patiala, Siksha ‘O’ Anusandhan Bhubaneswar, SRM University Chennai, Amity University Noida, SASTRA University Thanjavur, Kalasalingam Academy of Research & Education, Chandigarh University, KIIT University Bhubaneswar. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |9447 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
Hello sir... I got 86.7%ile in jee mains (CRL 196706, EWS rank 28516, girl) and secured 93..2% in my 12th Cbse board.I have haryana domicile and want to pursue btech in cse, it or ece. What are my chances of getting a good govt college and is there any chance in CSAB for NITs or IIITs ? Thankyou
Ans: Lavisha, With an EWS Home-State rank of 28,516, securing Computer Science seats via CSAB Special in premier NITs under Home-State EWS quotas is challenging, as CSE at NIT Kurukshetra closed near 8 198 for general HS and the EWS HS cutoff typically tracks within 25 000–35 000—just within reach. Electronics & Communication Engineering at Kurukshetra closed around HS?Open 9 692–15 127, with EWS HS often extending to 45 000–57 000, making ECE a viable target. In JoSAA 2025, IIIT Kota’s HS-EWS CSE cutoff was 39,410, which places your rank comfortably within the acceptable range. Beyond these, peripheral GFTIs such as CIT Kokrajhar (CSE up to ~150 500 CRL) and Assam University, Silchar (CSE ~75 981) admit EWS candidates with ranks well above 28 000. All these institutes meet AICTE/NIRF accreditation, maintain ≥70 percent placement consistency, feature modern labs, active MoUs for internships, and have outcome-based curricula.

Recommendation: CSAB offers special preferences for assured entry into Electronics & Communication Engineering at NIT Kurukshetra under HS-EWS, followed by listing CSE at IIIT Kota and CSE at peripheral GFTIs like CIT Kokrajhar and Assam University. Simultaneously, pursue Haryana state-counselling seats at PEC Kurukshetra and Deenbandhu Chhotu Ram University for core-branch safety. However, have 2-3 Private Engineering Colleges also as back ups with your JEE Score instead of relying only on CSAB. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9447 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
BITS Goa EEE or NIT Calicut EEE
Ans: BITS Pilani K.K. Birla Goa Campus offers a B.E. in Electrical & Electronics Engineering with NAAC A+ accreditation and Institute of Eminence status. The program features modern infrastructure including specialized EEE laboratories, a Central Sophisticated Instrumentation Facility with advanced equipment like confocal microscope, FESEM, and Raman spectrometer, alongside comprehensive industry partnerships including Amazon Web Services and GitHub for startup support. The campus spans 180 acres with fully residential facilities and smart classrooms. NIT Calicut's B.Tech in Electrical & Electronics Engineering holds NBA accreditation for 6 years (2022-2028) under the stringent Tier-I evaluation scheme and is ranked 25th in NIRF Engineering rankings 2024. The institute achieved a remarkable 97.01% placement rate for EEE students in 2024, with 130 out of 134 registered students securing positions, demonstrating exceptional industry demand. Both institutions maintain essential benchmarks including statutory approvals, modern laboratory facilities, research-active faculty with doctoral qualifications, active industry Mships, and consistent placement support exceeding 75% over three years. BITS Goa commands higher fees of ?20.76 lakh for the complete program versus NIT Calicut's ?5 lakh, but offers unique Practice School programs ensuring 7+ months of industry experience. The BITS alumni network includes prominent entrepreneurs and unicorn founders, while NIT Calicut benefits from the extensive NIT Alumni Network spanning multiple countries.

Recommendation: Choose NIT Calicut's EEE for its exceptional 97% placement consistency, NBA Tier-I accreditation, cost-effectiveness at ?5 lakh fees, and strong government institute reputation with established industry connections. Consider BITS Goa's EEE if you prioritize unique Practice School industry exposure, Institute of Eminence status, entrepreneurial alumni network, and can afford the higher fee structure for comprehensive residential campus experience. All the BEST for a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 26, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Money
Hello sir, I am 38 right now, I have 60 Lacs in mutual funds , I dont have any liabilities and I dont want to have kids in future. I have a house on which there is no loan I have properties worth 4 cr which I am planning to sell and invest in properties where I can get rent, a rental yield of 3-4% so that I can earn monthly rent. I have health insurance of 10 lacs, but since I have kidney problems no company will give me health insurance now. I have term insurance of 50 Lacs. I want to retire at 40, is it possible, considering my lifestyle my monthly expense is hardly 30k, I take a trip once a year so my yearly expense will be 5-6 Lacs max not more than that. I am fed up with my job and just want to quit and live peacefully, what is your advise??
Ans: Your clarity of thought is very good.
You have no debt.
You have good savings.
And you understand your expenses well.
This gives you a great starting point.

Let us now go into every aspect deeply.
You want peace of mind.
You want financial security.
We will look at every angle to build that for you.

? Current Assets and Liabilities

– Mutual funds: Rs. 60 lakh.
– No loans or EMIs.
– One house fully paid off.
– Properties worth Rs. 4 crore.
– Health insurance cover: Rs. 10 lakh.
– Term insurance cover: Rs. 50 lakh.
– Medical condition: Chronic kidney issue.
– Monthly expenses: Rs. 30,000 approx.
– Yearly lifestyle expense: Rs. 5–6 lakh.

Your asset base is quite strong.
Your lifestyle needs are limited.
This makes early retirement a possible goal.
But we must plan it very carefully.

? Your Real Retirement Goal

You are 38 years old now.
You want to retire by 40.
That means financial freedom for 40+ years.
From age 40 to 85 or 90.
That’s around 45–50 years of no active income.

You must prepare for:
– Regular income.
– Inflation.
– Medical expenses.
– Unplanned needs.
– Market ups and downs.

With that clarity, we’ll plan every element.

? Dependence on Real Estate

You wish to sell Rs. 4 crore of property.
You want to reinvest in rent-yielding properties.
But rental yield in India is very low.

Even at 4% rental yield:
– Rs. 4 crore gives only Rs. 13.3 lakh per year.
– That is around Rs. 1.1 lakh per month.
– This rent is not fixed.
– There will be vacancy periods.
– There will be maintenance costs.
– Rental laws are complex.
– Property is not liquid in emergencies.

Also note:
– Real estate does not give compounding growth.
– Real estate does not beat inflation reliably.
– Property income is taxable fully.
– Reinvestment also involves stamp duty, GST and legal fees.

Instead of property, we need a more fluid and tax-efficient plan.

? Better Way to Generate Regular Income

You already have Rs. 60 lakh in mutual funds.
Mutual funds grow faster than rent.
They are more flexible.
They offer compounding growth.
They give better liquidity.

You may follow this route:
– Divide your corpus into two buckets.
– Bucket 1: Emergency + short-term (liquid + arbitrage + conservative hybrid funds).
– Bucket 2: Long-term growth (equity + balanced advantage + large & midcap funds).

From year 1 to 5:
– Use Bucket 1 for monthly income.
– Use SWP (Systematic Withdrawal Plan) to get Rs. 50,000 monthly.
– Adjust yearly for inflation.

From year 6 onward:
– Start withdrawing from Bucket 2 (which grew meanwhile).
– This plan can last 40+ years.
– Keep reviewing funds with a Certified Financial Planner.

This approach is safer than property.
Also better tax-wise and return-wise.

? Your Health Insurance Gap

You already have Rs. 10 lakh health insurance.
But your kidney issue limits new policy chances.

Still, you can do these:
– Check if your insurer offers top-up policy on existing cover.
– Check if your existing policy allows critical illness add-on.
– Start building your own “Health Corpus” in mutual funds.
– Keep Rs. 15–20 lakh for future medical use.
– This fund should be in short duration debt and hybrid funds.
– Do not use it for any other purpose.

You must keep upgrading your medical buffer.
This protects your peace during retirement.

? Your Term Insurance and Estate Plan

You have Rs. 50 lakh term cover.
But you don’t have dependents.
You don’t want kids.

So term insurance is not really needed now.
Let it lapse at the end of the term.
Instead, make a clear will.
Write down who will get your assets.
Nominate someone responsible.
Also choose a healthcare nominee.
This avoids future legal hassles.

A good estate plan brings clarity and peace.

? Why Real Estate May Not Be Ideal

As said before, rental income looks attractive.
But it has many hidden costs.
Also rental returns are flat for years.

Let’s look at its limitations:
– Property values don’t grow fast now.
– Selling takes time and effort.
– Rent is taxable at slab rate.
– Property attracts maintenance, tax, legal issues.
– Natural disasters or tenant damage is risky.

Instead, mutual funds offer:
– Tax-efficiency.
– Diversification.
– Liquidity.
– Passive income via SWP.
– Better visibility of returns.
– Option to rebalance anytime.

You don’t need to block Rs. 4 crore into property.
Keep your assets fluid and productive.

? Asset Allocation Plan

You can retire with peace if assets are well divided.
This kind of allocation may suit you:

Rs. 30 lakh – Short-term & medical corpus (in hybrid & debt funds).

Rs. 1 crore – Long-term equity corpus (flexi cap, large & midcap, balanced advantage).

Rs. 30 lakh – Opportunity fund (in dynamic asset allocation + gold + global equity).

Rs. 50 lakh – Health buffer + SWP support (in hybrid conservative funds).

From age 40, start SWP from Rs. 60 lakh gradually.
The remaining grows for later years.
A Certified Financial Planner can optimise this plan yearly.

? Tax Planning and Capital Gains

Your mutual fund gains have new tax rules:
– LTCG above Rs. 1.25 lakh taxed at 12.5%.
– STCG taxed at 20%.
– Debt fund gains taxed as per your slab.

You must plan your withdrawals smartly.
Use funds where gains are under threshold.
Split redemptions smartly to minimise tax.

A Certified Financial Planner can guide this in detail.
Real estate has less tax flexibility.
Mutual funds give better post-tax returns.

? Mental Peace After Retirement

You are tired of work.
You want to relax, travel, and enjoy your hobbies.
You want no financial pressure.

That means your income must:
– Be predictable.
– Be tax-efficient.
– Grow with inflation.
– Be flexible.

Only actively managed mutual funds with SWP offer this.
Rent cannot match this.
Rental is fixed and does not adjust to inflation.
Also, if property is vacant, your income stops.

So build your post-retirement life around flexible income.
Mutual fund route is better for that.

? Lifestyle Budgeting

You spend Rs. 30,000 monthly.
Annual travel: Rs. 1–2 lakh.
Total: Rs. 5–6 lakh per year.

Even if we account for inflation:
– Rs. 8–10 lakh per year after 10 years.
– Plan to withdraw this much through SWP.
– Corpus must grow more than inflation.
– Fund selection and review is key here.

A Certified Financial Planner can review every year.
They keep your portfolio aligned to lifestyle changes.

Don’t depend on fixed income like rent alone.
You need flexible wealth.

? Avoiding Index Funds or Direct Funds

Some people may suggest index funds or direct mutual funds.
But those are not ideal for your case.

Here’s why:
– Index funds mirror the market blindly.
– They don’t protect downside.
– They give no active management.
– Direct funds give no advisor support.

In your case, you need safety, growth and personal advice.
So regular funds through a CFP or MFD is better.
You get expert support.
You get help in withdrawals, taxes, rebalancing.
You can’t afford mistakes during retirement.

Always go with actively managed regular plans.

? Emergency Planning

Keep Rs. 15–20 lakh in short-term funds.
Use only for medical, travel or family needs.
Do not mix with lifestyle fund.

Emergency planning is essential in your case.
It avoids stress and unwanted debt.
It gives peace during health issues.

? Portfolio Review and Execution

Once you retire, you must review portfolio every 6 months.
Funds may underperform.
You may need to switch assets.
Inflation may rise faster.
Tax rules may change.

A Certified Financial Planner tracks this for you.
They adjust things proactively.
That gives confidence for 40+ years of retired life.

? Final Insights

– You have a solid base to retire by 40.
– You don’t need rental properties.
– Sell your existing real estate slowly and smartly.
– Reinvest in mutual funds across buckets.
– Use SWP for monthly income from age 40.
– Plan Rs. 6–8 lakh yearly income for 45+ years.
– Avoid direct or index funds.
– Avoid annuities.
– Do not over-rely on rental income.
– Build a health corpus of Rs. 20 lakh.
– Keep Rs. 15 lakh as emergency fund.
– Let Rs. 1.5–2 crore grow in equity for long-term.
– Get help from a CFP every year.
– Your journey can be peaceful and safe.

Stay consistent.
Stay invested.
Stay reviewed.
Early retirement is not a dream.
It is a plan.

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

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