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Should I wait for CAP 3 or accept D J Sanghvi Mumbai for CSE Data Science?

Radheshyam

Radheshyam Zanwar  |6824 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 19, 2024

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Aug 19, 2024Hindi
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Career

Namste Sir My son has got D J Sanghvi Mumbai in Computer science and engineering datascience with 99.04 percentile in MHT CET is it good or we will wait till CAP 3.

Ans: HI
Congratulations to you and your son.
There are very less chances of changing/getting a new college in the CAP 3 round.
If not satisfied at this stage, go for the management seat of your liking. Don't wait till the end of the round.
If satisfied, pl be there. DJ College is also a good option.

If you are not satisfied with the reply, pl ask again without any hesitation.
If satisfied, pl follow me.
Thanks

Radheshyam
Career

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Nayagam P

Nayagam P P  |10928 Answers  |Ask -

Career Counsellor - Answered on Aug 27, 2024

Asked by Anonymous - Aug 26, 2024Hindi
Career
My son has got D J Sanghvi Mumbai through MHT CET RANK 2685 99.0400668 branch Computer science and engineering datascience please suggest should I go or should go for betterment.
Ans: Block this seat and wait for betterment. If not getting, he can join DJS-SE-DS. Congrats Ravikant for joining BTech-CSE this year. I appreciate you for seeking guidance for the next 4-years.

I have already provided 1-2 answers for the same question. However, I TYPE OUT AGAIN my practical tips, as I cannot go through 3100 of my answers again to search/copy & paste the answer again.

1) Visit the college campus & your CSE Department. Spend around 2-3 hours, if the college has not yet opened.

2) Check the reviews/do thorough research about the college in Google/Quora. Please note, no college can be 100% perfect and the perception/opinion of the students about the college differs from one another.

Keep in mind any negative evaluations of universities, but avoid making predetermined conclusions until you get them validated after joining the college, as the internet is flooded with information with differing opinions.

3) If the course curriculum is available on the college’s website, go through it.
4) Try to research your favorite subjects in Google / YouTube / LinkedIn etc. till college opens.
5) Now, create your professional-looking LinkedIn Profile.
6) It is advisable to create a new professional email ID (preferably Gmail ID) like ‘ravikant_btech or ravikant_tech or ravikant_cse_tech’ etc. (for LinkedIn/Job Applications/Certificate Courses) INSTEAD of using the same personal email ID that you might be having already.
7) You can provide your email ID to the college if it stresses for the same ID when you applied for the college No issue.
8) Have a limited/like-minded friends circle though you can interact with all the students of your classroom.
9) Involve in co/extra-curricular activities, related to your domain or which will be of your interest. This will help you in the long run for Campus Interviews/Abroad Education etc.
10) Avoid skipping any classes and take notes, provided by the Faculties. Class notes are more important for all tests/exams in your college.
11) Have a good/professional relationship with all faculties of the CS department.
12) Create a separate note-book for doubts for each subject.
13) Whenever doubt-clearing sessions are conducted, fully utilise them and get all your doubts cleared and note down to avoid 11th hour pressure before each test/exam.
14) Important: Maintain a decent SGPA/CGPA of 8.5 and above without any backlogs/arrears.
15) After 1st Semester is over, start learning and/or upgrading new skills from NPTEL, LinkedIn, Coursera, Upgrad, Internshala etc. and / or recommended by your faculties.
16) Once you complete the online/offline short-term courses & get certificates, immediately update them in LinkedIn.
17) MOST IMPORTANT: Put job alerts in LinkedIn, related to your domain (CSE), get notifications, go through the JD (Job Description) of each job vacancy to know the job market trends and prepare yourself for the same.
18) Whenever you get an opportunity, interact with the 2nd to 4th year students & get their advice which will enable you to plan after completing each academic year.
19) Whenever Campus Recruitments are taking place, if time permits, interact with the last year students after they attend the interview, to know about the assessment tests, interviews, group discussion, selection process & companies visited.
20) Placement cell of most of the colleges displays the names of the recruiters/companies visited during the last 3-years. Whenever time permits, do a research about each company by visiting its website.
21) It is advisable to start preparing for assessment tests of Campus Recruitment, once you enter into 4th year.
22) Decide in advance in 4th year itself, whether you want to go for the job after your BTech or to pursue your Masters in India or Abroad.
23) If decided for Masters, start preparing well for Entrance Exams/IELTS/TOEFL/PTE etc. whichever is applicable.
24) Before approaching an Abroad Education Consultant, conduct thorough study on the countries and universities you are interested in.
25) Please note, your college cannot arrange to provide internships for all students. If you get, well and good.
26) If not, you should start trying through LinkedIn, Internshala, any other Internship platforms, or through your parents/their colleagues in any of their companies for Internship (instead of relying only on your college).
27) As far as the Campus Interview is concerned, prepare a good/professional-looking Resume just in 1-page as you will be a fresher. Use ‘cultivatedculture’ Resume Building Platform which is very user-friendly and free also.
28) To prepare for the online or offline interview, prepare yourself with Mock Interviews using your mobile phone with the help of your family members/friends. Conduct at least 10 mock interviews, correcting yourself in each one for your responses to the questions as well as your body language.
29) Preparing around 20-25 technical / non-technical questions & answers for the same in advance will further boost your confidence when you face actual interviews.
30) When applying for campus interviews, prioritize organizations with job descriptions that fit your profile, hobbies, credentials, qualifications, location, job title, and company reputation.
31) However, have Plan B & Plan C if campus recruitment does not work out.

Hope, I have covered almost all aspects with value-additions.

All the BEST for Your Son's Bright Future,

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

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Nayagam P

Nayagam P P  |10928 Answers  |Ask -

Career Counsellor - Answered on Jun 27, 2025

Career
Could you please suggest how is DJ Sanghvi college for CS branch. My brother has secure 97.75 percentile in MHT CET. What are his chances for getting ICT Chemical at this percentile
Ans: Trushali, DJ Sanghvi College of Engineering (DJSCE) in Mumbai is highly regarded for its Computer Science branch, consistently achieving 95–100% placement rates with top recruiters like JP Morgan, Morgan Stanley, Amazon, and TCS, and an average package of ?8–11 LPA. The CSE department is NBA-accredited, features modern labs, experienced faculty, and a curriculum aligned with industry needs, supporting strong outcomes for both placements and higher studies. Students benefit from a vibrant campus, excellent infrastructure, and active technical clubs, though hostel options are limited and costly. With a 97.75 percentile in MHT CET, your brother is well-positioned for admission to top private colleges for IT and CS branches, including DJSCE. However, for ICT Mumbai’s flagship Chemical Engineering program, the cutoff for the General category has consistently been above 99.3 percentile in the last three years, and even for OBC and other reserved categories, the cutoff remains above 97.2–98.2 percentile. At 97.75 percentile, admission to ICT Mumbai Chemical Engineering is unlikely, as the cutoff is typically higher than this mark, but he may have a chance in other ICT branches like Dyestuff or Polymer Engineering, where cutoffs are slightly lower.

recommendation: DJ Sanghvi is an excellent choice for Computer Science, offering strong placements, industry connections, and modern infrastructure. Admission to ICT Mumbai Chemical Engineering is unlikely at 97.75 percentile, but your brother should consider DJSCE CSE or IT for the best career prospects in engineering and technology. All the BEST for the Admission & a Prosperous Future!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 02, 2026

Money
I have borrow a 36.50 lakh loan against property from hdfc bank. is property inssurance mandatory for the mortgage loan on property?
Ans: You have taken a Loan Against Property of Rs 36.50 lakh. First, I appreciate that you are checking the legal and financial side carefully. That shows responsibility.

Now let us understand clearly.

» Is Property Insurance Mandatory for Loan Against Property?

– Legally, property insurance is not compulsory under Indian law.
– But practically, most banks including HDFC Bank insist on insuring the property.
– It is usually mentioned in the loan agreement as a condition.

So technically it is not a government rule. But contractually, the bank can make it compulsory.

Why? Because the property is the security for your loan.

» Why Bank Insists on Property Insurance

– The property is pledged to the bank.
– If there is fire, flood, earthquake or major damage, the value reduces.
– If the property is damaged badly, the bank’s security becomes weak.

Insurance protects both you and the bank.

So from risk management point of view, it is practical and sensible.

» Is It Mandatory to Buy Insurance From the Same Bank?

– No bank can force you to buy insurance only from their partner company.
– You are free to choose any general insurance company.
– You only need to assign the policy in favour of the bank.

If bank is forcing bundled insurance, you can politely request separate policy.

» What Type of Insurance Is Needed?

For mortgage loan, usually:

– Structure insurance (building insurance) is required.
– Contents insurance is optional but useful.

If it is an apartment:

– The society may already have a master policy.
– Still, individual unit insurance is better.

Do not confuse this with loan protection insurance (life cover). That is different.

» Should You Take It Even If Not Forced?

Yes, I strongly recommend taking it.

Why?

– Property is a large asset.
– One accident can destroy years of savings.
– Premium is very small compared to property value.

It is not an expense. It is protection.

» Check These Points Carefully

– Insured value should match reconstruction cost, not market value.
– Natural calamities must be covered.
– Policy should be renewed every year without fail.
– Bank clause (assignment clause) must be correctly mentioned.

Do not ignore renewal. If policy lapses, risk comes back to you.

» 360 Degree Protection View

Since you have a loan:

– Ensure you have adequate term insurance to cover outstanding loan.
– Ensure you have proper health insurance.
– Maintain emergency fund for EMI continuity.

If something happens to income, EMI must not suffer.

Property insurance protects asset.
Term insurance protects family.
Emergency fund protects EMI discipline.

All three together create safety.

» Finally

Property insurance may not be legally compulsory, but practically it is required and financially wise.

Do not see it as bank pressure. See it as risk control.

A small premium today can prevent a huge financial shock tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |11047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 02, 2026

Money
Hello Sir, I am 43 year old, having investment in 1. Own House-No Loan 2. MF holding 14.0 Lac, 3. FD 44.0 Lac, 4. Pure Gold 40.0 Lac, 5. PPF 5.0 Lac, 6. EPF 27.5 Lac, 7. NPS 9.0 Lac 8. Bank Account 10.0 Lac 9. Monthly SIP 44000 Rs [Multicap, Two Mid Cap, Two Small Cap, Large and Mid Cap] 10. Term Plan 50.0 Lac My child is 16 years old, i need your advice for my child education, marriage as well as my retirement.
Ans: You have built a very strong foundation at 43. Own house without loan, good savings in FD, gold, EPF and mutual funds – this shows discipline and stability. Many people at your age struggle with liabilities. You are in a safe position. Now we must organise it properly for your child’s higher education, marriage and your retirement.

» Current Financial Position – Overall Assessment

– Own house without loan gives you emotional security.
– Total financial assets are well diversified across FD, gold, PF and mutual funds.
– Large allocation to FD and gold gives safety but lower long-term growth.
– Mutual fund exposure is moderate and SIP is healthy at Rs 44,000 per month.
– Term cover of Rs 50 lakh is on the lower side considering child age and future costs.

You are financially stable. Now the focus must shift to growth and protection.

» Child Higher Education – 2 to 4 Year Planning Window

Your child is already 16. That means higher education funding is very near.

– Education corpus should not depend on equity-heavy assets now.
– Avoid taking high risk in small and mid caps for this goal.
– Start segregating money required in next 2–3 years into safe instruments like short-term debt or high-quality fixed income.
– Do not disturb EPF and NPS for education unless absolutely necessary.

If needed, you can use part of FD and bank balance. Education goal is priority one.

Important: Avoid selling equity mutual funds in panic. If you sell equity funds:
– LTCG above Rs 1.25 lakh is taxed at 12.5%.
– STCG is taxed at 20%.

Plan redemption carefully and gradually.

» Child Marriage – Long-Term Goal (8–12 Years)

Marriage is not urgent. So this can stay in growth assets.

– Continue SIP.
– You are currently investing across multicap, midcap, smallcap and large-midcap. That is fine for long term.
– But review allocation. Too much mid and small cap increases volatility.

Keep marriage goal in a separate mutual fund bucket. Track it independently.

» Retirement Planning – The Most Important Goal

You are 43. You have around 15–17 years for retirement.

Current retirement assets:
– EPF Rs 27.5 lakh
– NPS Rs 9 lakh
– PPF Rs 5 lakh
– Mutual Funds Rs 14 lakh

This is a decent start but not enough for long retirement life.

You must:

– Increase retirement-focused equity allocation gradually.
– Continue EPF contribution strongly.
– Continue NPS for tax and discipline, but do not depend fully on it.
– Increase SIP gradually every year, at least 5–10% step-up.

At your age, growth is still required. Too much FD and gold will reduce long-term wealth creation.

» Asset Allocation Correction

Current allocation shows heavy weight in:

– FD Rs 44 lakh
– Gold Rs 40 lakh

Gold and FD together form a very large portion. Gold does not give income. FD gives safety but post-tax returns are moderate.

Suggestion:

– Do not exit gold fully. Keep reasonable allocation.
– Slowly reduce excess FD over next few years and move towards diversified equity mutual funds for long-term goals.
– Keep emergency fund of 6–9 months in bank and FD. Beyond that, excess idle cash should work harder.

» Insurance Review

Term cover of Rs 50 lakh is low.

– Considering child age and inflation in education, you should review and increase total term cover.
– Aim for at least 10–12 times annual income protection.

Health insurance is not mentioned. If not adequate, increase family floater coverage.

» Risk Management & Behaviour Discipline

– Do not frequently change funds based on market noise.
– Review once a year.
– Keep goals separated mentally and financially.

Your SIP structure is good. Just rebalance and align with time horizon.

» Tax Awareness

– Equity mutual fund gains above Rs 1.25 lakh (long term) are taxed at 12.5%.
– Short term gains are taxed at 20%.
– Debt fund gains are taxed as per slab.

So plan withdrawals smartly. Do not redeem in one single financial year if avoidable.

» Action Plan – Next 12 Months

– Separate education corpus immediately.
– Increase term insurance.
– Gradually rebalance FD surplus into long-term mutual funds.
– Step-up SIP yearly.
– Create clear written retirement number target.
– Review NPS asset allocation to ensure enough equity exposure.

» Finally

You are not late. You are actually ahead in discipline and savings. Only re-alignment is required.

Education funding needs safety now.
Marriage needs growth.
Retirement needs structured and increasing equity exposure.

If you implement these corrections calmly, you can achieve all three goals without stress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

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