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BBA vs BBM vs BMS: Which Course is Best for My Son?

Nayagam P

Nayagam P P  |8609 Answers  |Ask -

Career Counsellor - Answered on Sep 04, 2024

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 - Aug 30, 2024Hindi
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Career

Mr Nayagam, my son is in class 9. He wants to study business management. There is BBA, BBM and BMS. Can you please explain the difference between these courses? Which one is better in terms of learning and career opportunities? Or should he study BCom and then do MBA. Please suggest. We are based out of Chennai.

Ans: You can pursue either BBM or BCom, preferably in Hons. Secondly, it is highly advisable to target NIRF-Ranked top colleges with good placement records for his UG through entrance exams like CUET (for Top Central/State Universities) and also of Private Colleges such as Christ, Amity, LPU, UPES, Graphic Era, Anna University, Kalinga, Birla, Saveetha, Thiagarajar, PSG etc.

Your son should start preparing for Entrance Exams from 9th end itself to get admission into any one of the top colleges and also he should be very strong in Maths. Shortlist around 10-15 colleges (NIRF Ranked with good reputation & placement records) and make him appear for minimum 5-7 entrance exams to have options to choose most suitable one for him (instead of relying on 1-2 entrance exams only). Again for MBA, he should prepare well for getting admission into IIM etc. All the BEST for Your Son's Bright Future.

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Aashish

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CAT, Management Expert - Answered on Jul 29, 2023

Asked by Anonymous - Jul 28, 2023Hindi
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My son is now in Class XII Commerce in a CBSE school. He has an ambition of doing MBA from a good Management School. He got 90% in class X of CBSE. Please advise, from career perspective, if he should pursue for B Com or BBA course after his completing the Class XII exam . Please advise the Entrance tests he should pursue to get admission into Institute of repute for the courses , i.e. B COM and BBA. Regards.
Ans: Choosing between B.Com and BBA depends on your son's interests and long-term career goals. Both courses can lead to a successful career in business and management, but they have different approaches and specializations.

B.Com is a more traditional and broader course that focuses on various aspects of commerce and finance. It covers subjects like accounting, economics, taxation, finance, marketing, and business law. It provides a strong foundation in accounting and finance, making it suitable for those interested in pursuing careers in fields like chartered accountancy, banking, finance, or tax consultancy.

BBA is a management-oriented course that focuses on the principles and practices of business management. It covers subjects like marketing, human resources, operations management, organizational behavior, and entrepreneurship.

If your son is specifically interested in management and wants to develop a deeper understanding of management principles right from the undergraduate level, BBA could be a better choice.

As for entrance tests for reputable institutes, here are some of the common entrance exams for BBA/MBA courses:
1. Common Entrance Test (CET): Many states in India conduct their own CET for admission to BBA/MBA programs in state universities and colleges.
2. All India Management Association Undergraduate Aptitude Test (AIMA UGAT): This exam is for admission to various undergraduate programs like BBA, BCA, Integrated MBA, etc.
3. Symbiosis Entrance Test (SET): Conducted by Symbiosis International University, SET is the entrance test for various undergraduate programs, including BBA.
4. Indraprastha University Common Entrance Test (IPU CET): Conducted by Guru Gobind Singh Indraprastha University, this exam is for admission to various undergraduate courses, including BBA.
5. Xavier Aptitude Test (XAT): For admission to Xavier University's BBA program.
6. CUET (Ofcourse)

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Nayagam P

Nayagam P P  |8609 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
My son has got offer from IISc Btech Mathematics and Computing and IIT Hyderabad Btech CSE. Which would be better to join
Ans: Sunil Sir, IISc’s four-year BTech in Mathematics and Computing, with only 52 seats and NAAC A++ accreditation, combines rigorous core courses in analysis, algebra, algorithms, AI/ML, breadth in sciences, and humanities, supported by study tracks in AI, theoretical CS, quantum computing, and computational biology. Its emphasis on research and small cohort size fosters close faculty mentorship, with 71.43% placement consistency over the past three years and an average package of ?37.31 LPA. IIT Hyderabad’s BTech CSE, a NIRF-ranked Institute of Eminence, features a balanced core and elective curriculum integrating theory, systems, and interdisciplinary projects, modern AI, cloud, and networking labs, and robust Practice School internships. Its placement cell achieved a 79.37% CSE placement rate in 2024 with an average package of ?29.68 LPA and 100+ recruiters annually. Both institutions possess strong industry ties, active research centers, and dedicated career services, yet IISc offers a more specialized mathematics-CS blend and higher average placements, while IIT Hyderabad provides broader peer networks, larger cohort dynamics, and dedicated CSE infrastructure.

Recommendation: Given your son’s interest in pure computation and research, the recommendation is to join IISc’s Mathematics and Computing for its niche curriculum, small-cohort mentorship, and superior average placements; alternatively, choose IIT Hyderabad CSE for broader student community, comprehensive labs, and strong industry engagement. All the BEST for Admission & a Prosperous Future!

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Dr Shakeeb Ahmed Khan  |164 Answers  |Ask -

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Nayagam P

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Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
Sir please advise me for bba it program from sicsr pune or bcom from du off campus or BBA from ilm ,gl bajaj
Ans: Evaluating these three academic options reveals distinct advantages based on institutional strengths and program focus. SICSR Pune's BBA IT program, ranked 12th nationally by India Today 2024 and part of Symbiosis International's Institute of Eminence framework, features NAAC A++ accreditation, strong industry partnerships with Amazon, IBM, Persistent Systems, TCS, and Deloitte, advanced computing and networking laboratories, and a dedicated placement cell achieving 80-90% branch-wise placement consistency over three years with an average package of ?7.12 LPA. The program requires ?8.72 lakh in total fees over four years with mandatory SET entrance and offers experiential learning through internships and live projects. Delhi University's BCom off-campus program through constituent colleges like Deen Dayal Upadhyaya College provides NAAC A+ accreditation, affordable fees ranging from ?10,000 to 30,000 annually, 60-70% placement consistency with median packages of ?4.5-5.5 LPA, access to prestigious DU alumni networks, and recruitment by established firms including KPMG, Deloitte, EY, and PWC. However, students must secure admission through competitive CUET scores for off-campus colleges. GL Bajaj's BBA program in Greater Noida boasts AICTE approval, NAAC A+ accreditation, total fees of ?2.86 lakh for three years, a 95% placement rate with the highest packages reaching ?12 LPA, modern infrastructure with well-equipped labs, and recruitment by companies like TCS, Infosys, HCL, Genpact, and Capgemini.

recommendation Given the superior brand recognition, comprehensive IT-focused curriculum, stronger industry connections, and higher placement packages, prioritize SICSR Pune's BBA IT program despite higher fees; alternatively, consider DU BCom off-campus for its prestigious legacy and cost-effectiveness if budget constraints exist, with GL Bajaj BBA serving as a valuable option for balanced fees and solid placement support. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9705 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Money
Hi My monthly in hand salary is 84k My loans emi are more than 70 k What to do
Ans: ? Understand the seriousness of your EMI burden
– Your EMI is more than Rs.70,000.
– Your take-home is Rs.84,000.
– This means more than 80% goes in repaying loans.
– This is a very high debt-to-income ratio.
– It leaves very little for your monthly needs.
– Saving and investing becomes almost impossible.
– This can affect your peace of mind and stability.

? Start with identifying the types of loans
– List all loans with EMI and balance.
– Note the interest rate and tenure for each.
– This includes personal loans, credit card dues, car loans, etc.
– Check which loan has the highest interest rate.
– This step gives full clarity on your debt structure.

? Avoid any new loans or expenses for now
– Don’t take more loans to handle current EMIs.
– That will only increase your burden.
– Avoid using credit cards for EMI or cash withdrawal.
– Stop or pause any high-cost spending.
– No gadgets, no travel, no luxury expenses.

? Build a basic household budget immediately
– Track every rupee of your monthly spending.
– Separate must-have expenses from avoidable ones.
– Rent, groceries, medicines, utilities – keep these.
– Remove online shopping, OTT, dining out, weekend trips.
– Live very simple for the next 12–18 months.

? Find options to reduce your EMI load
– Try negotiating lower interest rate with lender.
– Use balance transfer to reduce EMI.
– Banks give lower rate for good credit scores.
– Extend loan tenure to lower monthly EMI.
– This increases total interest, but gives relief now.

? Try part-prepayment of small loans
– If any loan has low balance, try prepaying it.
– Use bonus, PF loan, family support if needed.
– Start with highest interest loan.
– That will save more in long run.

? Explore debt consolidation with proper advice
– Sometimes combining loans into one can help.
– But only do this if interest rate is lower.
– You must study terms carefully.
– Don’t go for informal lenders or apps.
– Only use regulated NBFCs or banks.

? Emergency fund is missing – create it gradually
– With such tight cash flow, emergency fund is vital.
– You can’t handle job loss without it.
– Aim for Rs.25,000 to Rs.50,000 first.
– Slowly grow it to 3 months of EMI and needs.
– Park it in safe liquid instruments.

? Investment should be paused temporarily
– Right now your focus is loan reduction.
– Investments can wait for 6–12 months.
– Clear debt and build stability first.
– Later, you can invest for goals.

? Avoid insurance-linked investments
– If you hold any ULIP, endowment or money-back plans, exit now.
– These give poor returns and have high charges.
– They reduce your liquidity and flexibility.
– Shift to pure term plan for protection.
– Invest separately in mutual funds later.

? Surrender and re-invest policies if applicable
– If you have LIC or similar policy, review it.
– If it is not term insurance, check surrender value.
– Exit non-performing plans and reinvest in mutual funds.
– Mutual funds are flexible and goal-based.

? Resume investments once cash flow improves
– Start small SIPs only when your EMI is manageable.
– Use actively managed mutual funds for better returns.
– Index funds look cheap, but have limits.
– Index funds don’t beat the market.
– Active funds try to give better than average return.

? Why index funds are not suitable for your case
– Index funds follow market blindly.
– They do not adjust based on risk or time horizon.
– They may underperform during crashes.
– You need customised growth, not average returns.
– Active funds managed by experts offer more.

? Mutual fund route – regular plan with MFD and CFP
– Don’t go for direct funds on your own.
– Direct funds give no hand-holding or guidance.
– Choosing wrong fund can cause loss.
– MFD + CFP can guide based on your goals.
– They help monitor and rebalance regularly.

? Focus on income stability and skill improvement
– Parallel to loan control, work on job stability.
– Upgrade skills in your domain.
– Learn tools, certifications or soft skills.
– Job loss or salary cut can worsen your loan problem.
– Keep improving yourself every 6 months.

? Plan for goals once loans are under control
– After 1–2 years, plan for these goals:
– Emergency fund
– Child education
– Retirement
– Home down payment (only if within budget)
– Prioritise retirement even if child is small.
– Don’t depend on property or pension in future.

? Always protect your family with insurance
– Term insurance is needed if you have dependents.
– Rs.50L to Rs.1Cr cover is ideal.
– Premium is low and benefit is high.
– Also, get health insurance for entire family.
– Don’t rely on company medical policy alone.

? Don't panic or lose confidence
– Many people face such debt situations.
– It’s a phase, not the end.
– Proper budgeting and planning can solve it.
– Stay disciplined and committed.
– One year of effort can change everything.

? Create a 3-step action plan from today
– Step 1: Review all EMIs and spending.
– Step 2: Try restructuring or partial prepayment.
– Step 3: Build emergency fund and resume SIP later.

? Stay away from high-risk or quick return plans
– Avoid crypto, trading, Ponzi apps or get-rich schemes.
– You can’t solve debt through speculation.
– Safety and liquidity matter more now.

? Keep reviewing your plan every 3 months
– Sit with a Certified Financial Planner regularly.
– Share updates and revise your goals.
– Consistency in execution is more important than speed.
– Financial freedom takes time but is possible.

? Finally
– Focus now is on survival and regaining balance.
– Once done, you can restart your investment journey.
– With planning and patience, you can still build wealth.
– You already took the first step by asking.
– Take action now, even if small.

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

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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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