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

Engineering Aspirant with Low Score: Should He Pursue Mechanical or Electronics?

Radheshyam

Radheshyam Zanwar  |1613 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 11, 2025

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 - Mar 11, 2025Hindi
Career

Dear Sir. As parent, I have two questions - first is which engineering course to pursue and second is which institute to get admission - based on some trails mentioned below. My son registers for JEE 2025 Session II, BITSAT 2025, VIT 2025, COMEDK UGET 2025, MHT CET 2025. As plan-B option, he has also registered for IISER Aptitude Test (IAT) 2025, NEST (NISER 2025). Score in JEE Session I is 78.43 Percentile (Physics 90.76, Mathematics 84.1 & Chemistry 15.44). He has no interest in chemistry - which is also reflected in subject wise percentile. However, he has keen interest in deep-thinking, particularly in physics. Based on the association with my son, I clearly understand that his ability not at all aligns with his poor performance. As regards career, at present, he has strong desire to work in ISRO. He often share his idea with me by saying "I don't want to pursue Computer Science and thereafter money to become rich but I love to explore Space/Aerospace and so I want to join ISRO. But at his young age, my son is too immature to take the decision that which course will help him to land in ISRO. My son, somehow, comes to know that ISRO absorbs mechanical engineer through ICRB examination. Based on this information, he wants to pursue mechanical engineering. But, according to my opinion, as of today, as mechanical engineering has less scope in job-opportunities, it might be a risky choice. So, to remain on safer side, I insist him to pursue Electronics and communication engineering. My idea is if he pursues Electronics and communication and finally gets absorbed in ISRO, it is fine. Otherwise, (if not in ISRO), one can find job in other sectors (Government/ Private) as a Plan-B option. But with mechanical engineering, as of today, it may be difficult to find a suitable job of one's choice because of less job-opportunity in this field. Please suggest whether I am right or wrong in making this decision. My second question is which college should I choose for my son, based on his test in academic? As with this low percentile, my son will not be able to bag a seat in reputed government institute like IIT/NIT, so I decide to get his admission in some reputed private college/university. In this regard, I hear from people that when it comes to quality of education in private institution, South India is better. So, I decide to get his admission with Electronics and communication in some reputed college/university in Bangalore (although I and my son belong to north India). So, please suggest me whether I am right or wrong in making this decision. Also, please suggest me the name of reputed institute based on this perspective. Your valuable suggestions will my son to navigate in choosing his career path with desirable engineering course from a good/worthy institute - where he can flourish/nurture his taste of his choice.

Ans: Hello Dear.
I am pleased to note your kind attention towards your son. Additionally, you provided a lot of information to answer your queries in detail to some extent. Your son is interested in pursuing a career in the field of Space, specifically Aerospace, and he is keenly passionate about Physics. He is very clear that he does not want to pursue CSE or other computer-related engineering branches. He took his first attempt at the JEE but scored lower than both his and your expectations. However, he has another attempt in April where he has the opportunity to excel. Let us hope positively. Along with JEE, you are also encouraging him to sit for the BITSAT, VIT, COMEDK UGET, MHT-CET, IISER, and NEST entrance examinations, which is a wise decision.
Here is a point-wise reply to your questions: (1) Let him take all the above entrance examinations and the JEE second attempt, and gather the scorecards from these exams. (2) Based on these scores, you can choose the appropriate college and branch, excluding mechanical engineering. (3) Although your son aims to join ISRO, it would be safer to be admitted to a reputed engineering college in a good branch to avoid potential issues in the future. (4) Once admission is confirmed in a reputed college and branch, your son will have ample time to prepare for the entrance examinations conducted by ISRO and other institutions like NASA. (5) Even if he does not get into ISRO, he still has the chance to join a reputable company based on his degree. (6) Undoubtedly, Bangalore would be the best choice if your son were interested in CSE. However, since he has little interest in the computer field, there is no point in relocating from North to South India. It would be better to choose a college in the Northern region, particularly from the Delhi area. (7) If you are not interested in Mechanical Engineering and your son is not keen on computer-related branches, then it would be better to focus on getting admission to aerospace engineering. Numerous reputed institutes in India offer aerospace engineering courses; a quick Google search for "aerospace engineering colleges in India" can help. (8) Enrolling in aerospace engineering will boost your son's confidence right from the first year. (9) Your decision is neither wrong nor right. As a parent, your concern for your son's future is valid. However, navigating the entrance exams is your best option. Just wait for all the results to make the best choice. I hope this reply has satisfied you to some extent.
Follow me, if you are satisfied, else ask again.
Thanks
Radheshyam
Career

You may like to see similar questions and answers below

Mayank

Mayank Chandel  |2261 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 30, 2024

Asked by Anonymous - Jun 29, 2024Hindi
Listen
Career
Respected Sir/ Ma'am, My son appeared in JEE Main and scored 97 percentile this year. He also appeared in WBJEE and got rank of 1500; appeared BITS and got 230 marks. In JOSAA counseling round one, he already got Production Engineering in NIT Agartala and has potential to move to Production Or Mechanical in NIT Jalandhar Or Jamshedpur in next few rounds. Basis his rank in WBJEE, he is expected to get Mechanical Or Production in Jadavapur University. Basis his number in BITS he is expected to get Msc Physics with Dual degree of B. Tech in any Engineering stream (but the engineering stream will depend upon his performance and cgpa achieved in first year of Msc Physics course). Considering the same, now he has 3 options: 1) Get admitted in NIT Agartala/ Jalandhar/ Jamshedpur in Production engineering; 2) Get admitted in Jadavapur University with Mechanical/ Production Engineering; 3) Get admitted in Msc Physics 5 year course, study hard to achieve good cgpa in first year so that he can get good Engineering department as B. Tech from second year, complete course for 5 year with dual degree. Which option should be best for him. Is dual degree from BITS Pilani Hyderabad worth of considering 5 year course, very high course fee and uncertainty as to what Engineering stream he may get in second year for B. Tech. Please advise. Thank You in advance.
Ans: Hello Sir,
you can go with Jadavpur University. It is very renowned and good. For a better branch, we can try through csab rounds. In case of any queries & professional help you can DM me through insta handle CAREERSTREETS

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8327 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2025

Asked by Anonymous - May 09, 2025
Money
Dear Sir, I am 55 and I am a stage 4 cancer patient for the past 5 years. Presently working with a salary of Rs.30 LPA. I have Rs.75 L in SB account. Rs.25 L in shares out of which Rs.12 L is loss. Rs.12 L in mutual funds. Rs.3 L in EPF. No commitments or liabilities. I need to know how I can get Rs. 70 K per month in case I lose my job. Kindly advise.
Ans: I truly appreciate your courage and clarity even in the face of health challenges. With your current financial resources and the need to secure a monthly income of Rs. 70,000, a detailed and careful plan is very much possible.

Let me give you a full 360-degree solution below, step-by-step.

Understanding Your Present Financial Picture
You are 55 years old and have been living with stage 4 cancer for 5 years.

You are still employed and drawing a salary of Rs. 30 lakhs per year.

You have Rs. 75 lakhs in your savings bank account.

You hold Rs. 25 lakhs in shares, with Rs. 12 lakhs in losses.

You have Rs. 12 lakhs in mutual funds.

Rs. 3 lakhs is in your EPF account.

You have no loans or financial commitments.

Your main concern is to receive Rs. 70,000 every month if the job stops.

You are not looking to take risks.

You want regular, reliable income without physical involvement.

Step 1: Emergency Medical and Health Fund
Health comes first. Keep money aside just for medical needs.

This fund should cover two years of your full household and medical costs.

Keep Rs. 15 to 20 lakhs aside for this purpose.

This money should be in ultra-safe places.

Prefer a savings bank account and liquid mutual funds.

This should remain untouched unless truly needed.

This emergency buffer gives peace and avoids panic in tough times.

Step 2: Generate Rs. 70,000 Monthly Income
Rs. 70,000 monthly means Rs. 8.4 lakhs needed per year.

Aim for post-tax cash flow from your investments.

Break your funds into income generation buckets.

Use your Rs. 75 lakhs from savings bank as the core capital.

Avoid keeping the full amount idle in SB account.

Allocate funds into low-risk, stable return instruments.

Prefer investment avenues offering quarterly or monthly payouts.

Choose options where you can withdraw in parts if needed.

Step 3: Structured Investment Allocation
Short-Term Bucket: 1 to 2 Years

Set aside Rs. 18 to 20 lakhs for short-term needs.

Put this money into highly liquid options.

Use only those that protect capital and give fixed income.

These funds will generate stable income for the next two years.

Prefer options offering monthly or quarterly payouts.

This will help replace your salary if job stops.

You don’t need to sell any shares or mutual funds right away.

You get time to think clearly, plan calmly.

Medium-Term Bucket: 3 to 5 Years

Keep around Rs. 25 to 30 lakhs here.

Invest in actively managed hybrid mutual funds.

Choose regular plans through a mutual fund distributor with CFP credentials.

Do not go for direct funds.

Direct plans do not come with personalised guidance.

There is no one to help you rebalance, switch or review.

Regular plans through a Certified Financial Planner offer ongoing support.

With hybrid funds, risk is moderate and returns are better than FDs.

Use SWP (Systematic Withdrawal Plan) to get monthly income.

You can set up SWP of Rs. 40,000 to 50,000 from this bucket.

These funds will last for years while also growing gradually.

Long-Term Bucket: 5+ Years

Keep Rs. 10 to 15 lakhs for the long-term.

This is not for current income, but for inflation beating growth.

Invest in actively managed large cap or balanced advantage funds.

Again, use regular plans with Certified Financial Planner.

These funds will build wealth for later stages.

You can shift gains to the medium bucket after 5 years.

Step 4: Shareholding Review and Action Plan
You have Rs. 25 lakhs in shares.

Out of this, Rs. 12 lakhs are in losses.

Do not sell them in a hurry.

Some may recover if you wait patiently.

First, make a list of all companies and their quality.

Exit poor-quality stocks even at a loss.

Retain good quality stocks with strong future.

If the whole portfolio is confusing, take help from a Certified Financial Planner.

You can harvest the loss now to set off gains later.

Book losses smartly to reduce future capital gains tax.

After cleaning up, move the proceeds to your medium bucket.

Step 5: Mutual Fund Review
You hold Rs. 12 lakhs in mutual funds.

Find out the type of each fund.

If these are equity funds, hold them long-term.

If returns are low or risk is high, shift to hybrid funds.

Avoid investing in index funds.

Index funds cannot protect capital in falling markets.

They simply copy the market blindly.

Actively managed funds are safer.

Professional fund managers take timely actions.

They reduce your risk and improve consistency.

Step 6: EPF Strategy
You have Rs. 3 lakhs in EPF.

EPF earns stable tax-free interest.

Do not withdraw unless it’s urgent.

Keep it as part of your long-term reserve.

Step 7: Monthly Income Setup
Use short-term and medium-term buckets to get income.

Start SWP from mutual funds for Rs. 40,000 monthly.

Use fixed income tools for Rs. 30,000 more.

Review this every year with a Certified Financial Planner.

Adjust amounts if needed based on inflation.

Step 8: Tax Planning and Awareness
Income from mutual funds is taxable.

Long-term capital gains above Rs. 1.25 lakhs taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your slab.

Plan redemptions to avoid tax shocks.

Harvest profits in a planned manner.

Step 9: Avoid These Common Mistakes
Do not invest in real estate.

It is illiquid and needs physical handling.

Do not buy annuities.

They give poor returns and lock your money.

Do not fall for insurance + investment combos.

If you already hold such policies, review them.

Consider surrender if return is poor.

Reinvest the proceeds into mutual funds.

Step 10: Use a Certified Financial Planner
A Certified Financial Planner gives structured and unbiased advice.

They help you with fund selection, SWP setup, rebalancing.

They guide you with tax-saving and risk control.

Their ongoing service is crucial at your life stage.

Choose someone with experience and clear credentials.

Finally
You are in a better financial position than many.

You have no loans, no dependents, and have built good savings.

With a calm and simple plan, you can replace your income safely.

You do not need to take risky steps now.

You have already shown strength by managing your life and job for 5 years.

Now your money should serve you with peace and stability.

Break your capital into buckets.

Get monthly income through safe withdrawals.

Review regularly with a Certified Financial Planner.

Avoid unnecessary complexity or noise.

You deserve a peaceful financial life.

Your health is precious. Let money be your quiet support.

Invest safe. Withdraw smart. Sleep well.

You are already doing well. Just add clarity and structure.

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

...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