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Nayagam P

Nayagam P P  |10359 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 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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Home Question by Home on Jul 25, 2025Hindi
Career

Sir Pls assist me..I've got CSE in Guru teg bahadur khalsa college... but I'm thinking of vips cse but I'm very confused if I should go there,Cause there are a lot of negatives and little Positive according to what everyone is saying ..so should I go with VIPS or not also if I get BPIT or Bhartiya vidyapeeth..in the spot round ..should I prefer going there..with a branch lower than cse..rather than going to Guru teg bahadur khalsa or VIPS.Later I can try for branch change in next sem or year

Ans: Sri Guru Teghadur Khalsa College’s B.Sc. (Hons.) in Computer Science, offered under Delhi University’s North Campus, benefits from NAAC “A+” accreditation, a robust research-active faculty, and an established placement cell (IGNITE) that secures a median package of ?6.05 LPA and facilitates placements for nearly 65% of eligible CSE and related-stream students through recruiters like Deloitte, EY, TCS, and Amazon. The 60-70% internship-to-placement conversion underscores solid industry ties, though high competition and limited specialized labs can stretch resources.

Vivekananda Institute of Professional Studies (VIPS), IPU, Delhi, holds NAAC A+ accreditation, features well-equipped AI/ML, cybersecurity, and networks labs, and maintains an 75–85% CSE placement rate with average packages of ?4.5–?6.5 LPA from companies such as Amazon, Infosys, and Wipro. Its student-centered pedagogy and modern campus life enhance learning, but classroom sizes can impede personalized mentoring during peak hiring cycles.

Bhagwan Parshuram Institute of Technology (BPIT), Rohini, Delhi, an ISO 9001–certified, NBA-accredited private college, records a 75–85% CSE placement rate and an average package of ?5–7 LPA, with top offers up to ?15 LPA from TCS, Cognizant, and Infosys. Structured pre-placement training, active alumni referrals, and MoUs for internships strengthen employability, though core electronics and ECE roles attract fewer recruiters, nudging many to pivot into software.

Bharati Vidyapeeth’s College of Engineering, Paschim Vihar (BVCOE), Delhi, a NAAC A++ and NBA-accredited institution, reports a 67.7% overall placement rate in CSE with a median package of ?6.5 LPA and participation from 64 recruiters including IBM, Accenture, and S&P Global. Strong placement cell support and modern labs in AI, data analytics, and systems integration foster broad technical exposure, though competitive IPU exams can limit intake flexibility.

All four institutions permit horizontal and vertical upgradation: Delhi University’s CSAS-UG system allows “Upgrade” or “Freeze” of seats in subsequent rounds, with upgradation subject to merit order, seat availability, and order of preference, while IPU institutes like VIPS, BPIT, and BVCOE enable branch change at the start of the third semester based on first-year performance (minimum CGPA criteria), a per-college application process, and non-refundable processing fees. This flexibility ensures that candidates in lower-preference branches may transition to CSE or IT if vacancies arise, provided they meet the internal CGPA benchmarks.

Recommendation: Secure admission in BPIT CSE for its balanced 75–85% placement consistency, structured pre-placement training, and ISO/NBA-certified processes. Next, consider VIPS CSE for its modern labs and 75%+ placements within IPU’s vibrant campus. Then evaluate SGTB Khalsa CSE for its DU prestige, 60–70% placement and median ?6.05 LPA via IGNITE. Finally, BVCOE Delhi CSE offers broad recruiter engagement and a ?6.5 LPA median but sits behind DU/IPU brands. In all cases, leverage branch-upgradation options in the next semester to shift into preferred streams if initial allotments fall short. All the BEST for a Prosperous Future!

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Asked by Anonymous - Aug 15, 2025Hindi
Money
I have debt of rs. 20lakhs which include pl and credit card bill payments and my monthly income is 28k only please suggest how to I am debt free
Ans: 1. Assess and List Out All Debts
List each loan and credit card with:
• Amount owed
• Monthly EMI or minimum payment
• Interest rate
This will help you understand which debts are costing you the most and need to be prioritized.

2. Create a Bare-bones Budget
• List your essential expenses only: rent, food, utilities, transportation.
• Allocate most of your income toward debt repayment: Many people use a “60-30-10” rule—spending 60% of income on debts, 30% on essentials, and 10% on minor needs or savings, if possible.
• Cut all non-essential expenses (entertainment, eating out, subscriptions).

3. Prioritize Payments
Pay expensive loans first: Focus on debts with the highest interest rate (usually credit cards)—this is called the Avalanche Method.
Always pay at least the minimum on all debts to avoid penalty charges or further damage to your credit score.

4. Talk to Your Lenders
Request lower interest rates or extended loan tenures. Some banks and NBFCs might offer hardship or restructuring programs.
Ask about converting credit card balances into loans with lower EMIs.
Check if you qualify for a debt consolidation loan to combine all debts into one EMI at a lower rate.

5. Explore Additional Income Sources
Take up a side job or gig: tutoring, food delivery, freelancing, weekend work, etc.
Sell unused items online.
Any extra amount should go directly to debt repayment.

6. Avoid Taking On New Debt
Don’t use credit cards or personal loans for discretionary spending.
Avoid “payday loans” or instant loans with high interest.

Sample Monthly Action Plan
Step Amount Allocated
Income (per month) ?28,000
Essentials (rent, food, etc.) ~?8,000-?10,000
Debt repayments ?16,800-?18,000+ (60%+)
Other (emergency savings) ?0-?2,000
If your current minimum payments are more than your income allows, you must negotiate with lenders, as defaulting will further hurt your financial health and credit score.

Mindset Tips
• Celebrate small wins; every rupee paid reduces your stress.
• Stick to your plan—discipline will help you get through this.
• Don’t lose hope—many have successfully cleared similar debts with patience and perseverance.

Final Note
Your current income is not sufficient to clear such a large debt in a short time. Becoming debt-free will require:
• Aggressively cutting expenses
• Increasing your income wherever possible
• Negotiating with lenders for the best possible repayment terms
Seek help when needed and stay disciplined throughout the journey.

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