Home > Career > Question
Need Expert Advice?Our Gurus Can Help
Dr Dipankar

Dr Dipankar Dutta  | Answer  |Ask -

Tech Careers and Skill Development Expert - Answered on Aug 21, 2024

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
Vims Question by Vims on Aug 21, 2024Hindi
Listen
Career

Sir, My main question is what are the career options other than Software/IT post B.Tech in E&TC and Electricals.

Ans: There are several career paths available for graduates with a B.Tech in Electronics & Telecommunication (E&TC) or Electrical Engineering beyond the typical software/IT roles. Core Engineering Roles, Industry-Specific Roles, Research and Development, Project Management and Consulting etc.
Career

You may like to see similar questions and answers below

Latest Questions
Milind

Milind Vadjikar  |885 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 23, 2025

Asked by Anonymous - Jan 23, 2025Hindi
Listen
Money
Hi , I am 40 years married and have one child residing in Bangalore. I have 30 lakh in PPF , 32 lakh in PF and 15 Lakh in MF and around 40 Lakh in Shares. A flat in different city of value around 60 lakh I have two emi for total 67000 per month running for next 3 years. Rent is 35k per month. Income around 3 lakh per month. I am planning to buy flat , 2.1 cr taking loan 1.5 cr for 20 years. Remaining 60 lakh as personal financing for flat purchase with income for next 2 years. Please advise what I can do to manage my finance and build corpus for saving as well
Ans: Hello;

Your monthly expenses:
Current EMIs: 67000
New EMI: ~133000
Rent: 35000
Household expenses:~ 50000
Total monthly Expense: 285000
Total monthly Income:~ 300000

You have hardly any income left for investments.

If I would have been in your place, I would have settled earlier loans before venturing into a new home loan, using part of the savings.

Also I would have sold the flat in other city and used the sale proceeds towards down payment of new house purchase.

This will ensure that my current investments remain mostly untouched(except loan prepayment).

I get exemption from long term capital gain arising from sale of old flat since reinvested into new residence(As per provisions of ITax Act).

My EMI burden will be much lesser and I can invest aggressively in mutual funds and NPS for:
1. Kid higher education &
2. Retirement

This was my perspective.

You may have different approach but key is to ensure reasonable amount of debt so that you have disposable income left for investments towards
future goals.

Happy Investing;
X: @mars_invest

...Read more

Milind

Milind Vadjikar  |885 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Jan 23, 2025

Asked by Anonymous - Jan 23, 2025Hindi
Listen
Money
Hi , I am 40 years married and have one child residing in Bangalore. I have 30 lakh in PPF , 32 lakh in PF and 15 Lakh in MF and around 40 Lakh in Shares. A flat in different city of value around 60 lakh I have two emi for total 67000 per month running for next 3 years. Rent is 35k per month. Income around 3 lakh per month. I am planning to buy flat , 2.1 cr taking loan 1.5 cr for 20 years. Remaining 60 lakh as personal financing for flat purchase with income for next 2 years. Please advise what I can do to manage my finance and build corpus for saving as well
Ans: Hello;

Your monthly expenses:
Current EMIs: 67000
New EMI: ~133000
Rent: 35000
Household expenses:~ 50000
Total monthly Expense: 285000
Total monthly Income:~ 300000

You have hardly any income left for investments.

If I would have been in your place, I would have settled earlier loans before venturing into a new home loan, using part of the savings.

Also I would have sold the flat in other city and used the sale proceeds towards down payment of new house purchase.

This will ensure that my current investments remain mostly untouched(except loan prepayment).

I get exemption from long term capital gain arising from sale of old flat since reinvested into new residence(As per provisions of ITax Act).

My EMI burden will be much lesser and I can invest aggressively in mutual funds and NPS for:
1. Kid higher education &
2. Retirement

This was my perspective.

You may have different approach but key is to ensure reasonable amount of debt so that you have disposable income left for investments towards
future goals.

Happy Investing;
X: @mars_invest

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x