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Will My Son Get NIT With JEE Mains Score of 95 Under EWS Quota?

Nayagam P

Nayagam P P  |11306 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 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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Asked by Anonymous - Mar 10, 2025Hindi
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Mere beta ka jee mains 95 hai Nit mil jayega kya Ews cote se

Ans: 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 percentile into Rank withe 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.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

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

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Ramalingam

Ramalingam Kalirajan  |11161 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2026

Money
I am 61 self Disciplined minimalist. I am now in SWP segment. 4% SWP and step up SWP are all okay and understandable but much worried on flip side which am often not thinking much. Considering next 30 years block 1. Inflation may also shoot up from 6% to 15% 2. Normally market crash once in 10 years assuming 30% crash 3. Recovery phase may take slow say 5 to 7 years 4. War natural calamities etc influence market once in 7 year 5.expected return may hit bottom from 10% With all this sequential risk, the worry is will my corpus empty earlier should I be with half starving and my SWP is good only in paper or any corrections needs to be done? Because when age grows, expenses can't be reduced, only rebalance the ratio from travel to utility like that So please guide me will my SWP corpus empty earlier, and should I do now as preparedness
Ans: Your concern is very valid and very mature. Most people focus only on returns, but you are thinking about risks like inflation, crashes, and long recovery. This is exactly what protects a retirement plan.

» The Real Risk – Sequence of Returns
Your worry is not wrong.

If market falls early in retirement and you keep withdrawing
Then recovery is slow
Corpus can reduce faster than expected

This is called sequence risk
And yes, this can impact SWP sustainability

But this can be managed with structure, not by stopping SWP

» Inflation Risk – Bigger Than Market Risk

If inflation moves from 6% to even 10–12%, pressure increases
Expenses rise continuously, but corpus may not match

Reality:

Inflation risk is permanent
Market crash is temporary

So your plan must protect against inflation first

» Is 4% SWP Safe?

4% is generally considered reasonable
But not “guaranteed safe” in all conditions

In your scenario (high inflation + poor returns):

4% may become slightly aggressive

Better approach:

Keep flexibility between 3.5% to 4%
Reduce withdrawal slightly during bad market years

» Biggest Protection – Bucket Strategy
This is the most important correction

Divide your corpus into 3 buckets:

Bucket 1 (0–5 years expenses)
Keep in safe instruments (liquid / low risk)
This funds your SWP
Bucket 2 (5–10 years)
Hybrid or balanced funds
Bucket 3 (10+ years)
Equity funds for growth

How this helps:

During crash, you do not touch equity
You spend from Bucket 1
Equity gets time to recover

This directly reduces sequence risk

» Dynamic SWP – Very Important Adjustment
Instead of fixed thinking:

In good years → continue or increase SWP
In bad years → pause increase or reduce slightly

Even a small 5–10% temporary cut:

Greatly increases corpus life

This is practical, not theoretical

» Rebalancing Discipline

Once a year, review allocation
When equity grows → shift some to safe bucket
This “locks gains”

This creates a natural buffer for future crashes

» Extreme Scenario Planning (Your Concern)
You mentioned:

30% crash
5–7 year recovery
High inflation

In such case:

Bucket 1 should cover at least 5–7 years expenses
This is your survival shield

If this is in place:

You will not be forced to sell at loss
Corpus will not empty early

» Expense Behaviour – Practical Reality
You are right:

Expenses don’t reduce easily with age
They only shift (travel → medical, lifestyle → essentials)

So plan should:

Keep medical buffer separately
Not depend on cutting expenses

» Mental Model Shift
Do not think:
“Will my corpus finish?”

Think:
“How do I protect withdrawals during bad phases?”

Because:

Markets recover
But wrong withdrawals during crash cause damage

» Final Adjustments You Should Do Now

Maintain 5–7 years expenses in safe bucket
Keep equity allocation for long-term growth
Use flexible SWP (not rigid)
Rebalance yearly
Be ready to reduce withdrawal slightly in extreme conditions

» Finally

Your fear is not overthinking, it is intelligent thinking
SWP does not fail because of market alone
It fails due to poor withdrawal strategy during bad years

If you structure your buckets and keep flexibility, your corpus can comfortably last 30 years and more without “half starving” situations.

You are already ahead because you are asking the right question at the right time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

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