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Nayagam P

Nayagam P P  |12580 Answers  |Ask -

Career Counsellor - Answered on Dec 04, 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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Radhika Question by Radhika on Dec 03, 2025Hindi
Career

Pls guide which entrance tests to apply for besides jee mains for good engineering colleges in India?

Ans: Radhika, I encourage you to thoroughly explore the alternatives listed below and select approximately 7-8 options as contingency plans to complement your JEE Main preparation. When evaluating these options, consider factors such as your academic standing, career objectives, preferred geographic location, and institutional strengths to identify the best-suited programs for your engineering journey. Southern India Private Engineering Colleges (Top 5): The Southern region hosts several premier private engineering institutions. Vellore Institute of Technology (VIT), Vellore, Tamil Nadu, secured NIRF rank 16 in 2025 and accepts students through VITEEE (VIT Engineering Entrance Examination) in addition to JEE Main scores. The institution is renowned for infrastructure including 24x7 laboratories, smart classrooms, dedicated research centres, and consistent 95%+ placements with average packages reaching 9.5 lakhs and peak packages touching 45 lakhs annually. SRM Institute of Science and Technology, Chennai, Tamil Nadu, ranked 14th in NIRF 2025, conducts SRMJEEE (SRM Joint Engineering Entrance Exam) for admissions alongside accepting JEE Main qualifiers. SRM's sprawling campus features world-class facilities, strong academic partnerships with industry leaders like Google, Microsoft, and Amazon, resulting in average placements of 8 lakhs with maximum packages exceeding 50 lakhs. Amrita Vishwa Vidyapeetham, Coimbatore, Tamil Nadu, ranked 23rd by NIRF 2025, accepts students through AMRITAEEE entrance examination. The institute maintains excellence through state-of-the-art laboratories, research centers, and a robust internship ecosystem, delivering 100% placement records with average salary packages of 9 lakhs. Sri Sivasubramaniya Nadar (SSN) College of Engineering, Kalavakkam, Tamil Nadu, ranked 46th in NIRF 2025, conducts its proprietary entrance test SSN GATE (Greenfield Aptitude Test for Engineering) for admissions. SSN's infrastructure encompasses advanced computing facilities, maker spaces, and industry collaborations, consistently achieving 100% placements with average packages exceeding 10 lakhs. Kalasalingam Academy of Research and Education (KARE), Srivilliputhur, Tamil Nadu, ranked 36th in NIRF 2025, accepts JEE Main scores and conducts KASAT entrance examination. The institution features modern laboratories, research facilities, and strong industry partnerships, maintaining 98%+ placement rates with average packages of 7.5 lakhs.

Northern India Private Engineering Colleges (Top 5): Northern India's premier private engineering institutions include BITS Pilani, Pilani, Rajasthan, which achieved NIRF rank 11 in 2025 and conducts the selective BITSAT (Birla Institute of Technology and Science Admission Test) entrance examination. BITS Pilani's state-of-the-art facilities, global academic partnerships, world-class research centers, and consistent placements with average packages reaching 12 lakhs and highest packages exceeding 60 lakhs make it highly sought after. Chandigarh University, Chandigarh, Punjab, ranked 32nd in NIRF 2025, conducts CUCET (Chandigarh University Common Entrance Test) and accepts JEE Main qualifiers. The university offers modern infrastructure including laboratories equipped with latest technologies, innovation hubs, and strong placement support resulting in average salaries of 7 lakhs with peak packages reaching 35 lakhs. Thapar Institute of Engineering and Technology, Patiala, Punjab, ranked 29th by NIRF 2025, accepts JEE Main scores and conducts THAPAR ENGINEERING ENTRANCE EXAM. The institute maintains excellent infrastructure with dedicated research facilities, industry collaborations with major tech companies, delivering consistent placements averaging 8.5 lakhs. Lovely Professional University (LPU), Jalandhar, Punjab, ranked within top 100 by NIRF 2025, conducts LPUNEST (LPU National Entrance and Scholarship Test) entrance examination. LPU features one of India's largest campuses with state-of-the-art facilities, strong IT industry connections, and placement records with average packages of 6.5 lakhs. Amity University, Noida, Uttar Pradesh, ranked 30th in NIRF 2025, conducts AMITY JEE alongside accepting JEE Main scores. Amity operates across multiple campuses with excellent laboratories, industry partnerships spanning Fortune 500 companies, delivering average placements of 7 lakhs with competitive peak packages.

Eastern India Private Engineering Colleges (Top 5): Eastern India's prominent private engineering institutions include Institute of Engineering and Management (IEM), Kolkata, West Bengal, conducts IEM GATE entrance test and accepts JEE Main qualifications. IEM features modern infrastructure, strong academic framework, and industry connections, maintaining placement rates with average packages around 6 lakhs and selective branches achieving higher figures. Siksha 'O' Anusandhan (SOA), Bhubaneswar, Odisha, achieved NIRF rank 26 in 2025 and conducts SUAT (SOA Unified Admission Test) entrance examination. SOA's comprehensive campus includes advanced laboratories, research facilities, and consistent 90%+ placements with average packages of 7.5 lakhs. Kalinga Institute of Industrial Technology (KIIT), Bhubaneswar, Odisha, ranked 37th by NIRF 2025, accepts KIIT entrance test scores alongside JEE Main. KIIT operates state-of-the-art facilities, maintains strong research focus, achieving 95%+ placements with average packages around 7 lakhs. Adamas University, Kolkata, West Bengal, conducts ADAMAS ENTRANCE TEST and accepts JEE Main scores. The institution features modern teaching laboratories, research centers, and good placement support with average packages of 5-6 lakhs. Techno India University (TIU), Kolkata, West Bengal, conducts TIU entrance examination. TIU maintains good infrastructure, industry partnerships, and consistent placement support with average packages reaching 6 lakhs.

Western India Private Engineering Colleges (Top 5): Western region's top private engineering colleges include Nirma University, Ahmedabad, Gujarat, conducts NUA (Nirma University Aptitude) entrance test alongside accepting JEE Main. Nirma features excellent infrastructure, research facilities, and strong industry connections delivering average placements of 7-8 lakhs with peak packages exceeding 30 lakhs. SVKM's NMIMS University, Mumbai, Maharashtra, accepts JEE Main scores and conducts NMAT entrance exam. NMIMS maintains premium infrastructure, strong corporate connections, consistent 100% placements with average packages around 9-10 lakhs. Dwarkadas J. Sanghvi College of Engineering, Mumbai, Maharashtra, accepts JEE Main qualifiers and conducts DJ Sanghvi entrance examination. The institution features modern laboratories, maker spaces, and good placement records with average packages of 6-7 lakhs. DJ Sanghvi's focus on technology and innovation ensures competitive career outcomes. Rai University, Ahmedabad, Gujarat, conducts RAI entrance test. Rai operates with good infrastructure, industry partnerships, maintaining placement rates with average packages of 5-6 lakhs. Pune Institute of Computer Technology (PICT), Pune, Maharashtra, conducts PTC entrance examination. PICT features strong IT curriculum, modern labs, and consistent placements with average packages of 7-8 lakhs.

Central India Private Engineering Colleges (Top 5): Central India's prominent private engineering institutions include Maulana Azad National Institute of Technology (MANIT), Bhopal, Madhya Pradesh, though primarily government-aided, acts as a key player. For private sector, Shobhit University, Meerut, Uttar Pradesh, conducts SUAT entrance test. Shobhit maintains good infrastructure, growing industry partnerships, with placements averaging 5-6 lakhs. Manipal University, Jaipur, Rajasthan, ranked 58th by NIRF 2025, conducts MUJ entrance examination. Manipal features modern facilities, strong academic programs, consistent placements with average packages around 6.5 lakhs. IMS Engineering College, Ghaziabad, Uttar Pradesh, conducts IMSECE entrance test. IMS maintains competitive infrastructure and good placement support with average packages of 5-6 lakhs. JSS Academy of Technical Education (JSSATE), Noida, Uttar Pradesh, ranked 201st in NIRF 2025, conducts JSS entrance test. JSSATE features modern laboratories, industry collaborations, with average placements reaching 6.5 lakhs. State-Level Entrance Exams Open to All-India Candidates (Top 5): COMEDK UGET (Consortium of Medical, Engineering and Dental Colleges of Karnataka - Unified General Entrance Test), Karnataka, is an all-India level entrance examination conducted by Consortium of Medical, Engineering and Dental Colleges. This exam opens access to 190+ private engineering colleges across Karnataka. Top colleges accepting COMEDK include RV College of Engineering, Bengaluru (NIRF ranked, average package 9+ lakhs), MSRIT (M.S. Ramaiah Institute of Technology), Bengaluru (strong placements 7+ lakhs), and BMSCE (B.M.S. College of Engineering), Bengaluru (known for CSE placements, average 8+ lakhs). KCET (Karnataka Common Entrance Test), Karnataka, (primarily for Karnataka State students only), allows Indian nationals to compete for approximately 35,000 engineering seats across government and private institutions. Leading private colleges through KCET include Dayananda Sagar Academy of Technology and Management (DSATM), Bengaluru, and New Horizon College of Engineering. WBJEE (West Bengal Joint Entrance Examination), West Bengal, is an all-India entrance test opening access to engineering colleges throughout West Bengal. Prominent colleges include Institute of Engineering and Management (IEM), Kolkata (average package 6+ lakhs), Jadavpur University's engineering wing, and International School of Photonics (IIESTM). HARYANA Entrance Test (HEEE), though primarily Haryana-based, accepts all-India candidates. Leading colleges include Chandigarh University's Haryana centers and various private institutions across NCR region. INAT (Institute of National Assessment for Engineering), conducted by multiple engineering institutes pan-India, provides alternative pathway for students seeking admission to top private engineering colleges without appearing in JEE Main or state-specific tests, accepting qualifications from various regional engineering entrance exams simultaneously.

This comprehensive regional analysis demonstrates that India's top private engineering colleges below NIRF 250 rank offer diverse admission pathways through state-specific and national entrance exams, with robust infrastructure, strong industry placements, and competitive salary packages, making them excellent alternatives to IIT/NIT admissions for engineering aspirants. All engineering colleges mentioned possess unique strengths and considerations worthy of evaluation. To optimize your college selection process, I suggest identifying 7-8 preferred institutions/entrance exams, based on your individual requirements, location preferences, and career aspirations. Undertake detailed research on each shortlisted college, including reviewing official websites, placement data, student testimonials, infrastructure facilities, and academic specializations. This systematic approach will equip you with comprehensive knowledge to confidently select the most appropriate institution(s) following your performance in all entrance examinations. All the BEST for a Prosperous Future!

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Hello sir My son is in 12th class this year and preparing for JEE exam. Kindly suggest in addition to JEE any other entrance exam for engineering
Ans: Virendra Sir. I hope your son has joined Coaching Center for his JEE. As you prefer to have back-ups apart from JEE (NITs, IITS, GFTI & IIITs), here are some other suggested Entrance Exams along with JEE: (1) State Entrance Exams and / or Top-3 Private Colleges' Entrance Exams in your / nearby States (2) If you prefer to apply in South also, COMEDK (of Karnataka) is another better option as it is open to Students all over India. (3) IAT Exam for admission into IISER if your daughter is interested in Research (4) PESSAT (of PES University) in Bengaluru (4) CUET for Central Universities all over India. It is advisable for her to appear in, minimum 5-Entrance Exams. This will enable your daughter to have a lot of options to choose the best & most suitable College along with the Stream she prefers. Give importance to Location of the College Also. And, please AVOID forcing her to join the College / Stream which you prefer. All The BEST for your Daughter's Bright Future, Sir. To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 13, 2026

Asked by Anonymous - Oct 10, 2026
Money
I am a 54 year old male working abroad. I have below investments. I have below investments so far: PPF 55 lakhs,EPF 36 lakhs, MF (total cumulative) 5.5 crores ,Employee superannuity+gratuity 14.5 lakhs, NPS 17 lakhs Monthly MF SIP ongoing 2 lakhs Company FD 10 lakhs Gold 16 lakhs. I am well covered in life insurance as well as medical insurance. My question is 1) My wife is getting a one time windfall of Rs .80 Lakhs as part of her share in her ancestral property. a)Pls guide me on how to invest this money b) what are the ways to save on tax eg. rbi relief bonds etc? c) if rbi relief bonds how much is the maximum limit d) beyond that limit where should i remaining balance?
Ans: Thank you for sharing your investment details. You have built a substantial investment portfolio through regular investing. The key now is to invest your wifes Rs.80 lakh windfall in a tax-efficient manner without adding unnecessary risk.

» Assessment of Your Current Portfolio

– Your existing investments are spread across mutual funds, EPF, PPF, NPS, company deposits and gold.

– Your mutual fund corpus is already substantial, with an ongoing SIP of Rs.2 lakh per month.

– Therefore, the entire windfall need not go into equity mutual funds. Your decision should depend on your retirement age, expected expenses, tax residency and the level of risk you are comfortable taking.

– Since you are working abroad, your residential status under Indian tax laws is important. The tax treatment of your investments and interest income can differ based on whether you qualify as a resident, NRI or RNOR.

» 1. How to Invest the Rs.80 Lakh Windfall

First, keep the money in your wifes name if she is the legal recipient of the ancestral property proceeds. Maintain proper documents showing the source of funds.

Consider dividing the money into three broad purposes:

– Safety and liquidity: Keep a suitable amount in bank deposits or other low-risk instruments for emergencies and expenses expected in the next few years.

– Stable income: Consider suitable government-backed or high-quality fixed-income options, after checking eligibility, taxation, lock-in and withdrawal rules.

– Long-term growth: Invest a portion in diversified, actively managed equity mutual funds if the money is not required for at least 7–10 years.

Since your existing mutual fund corpus is already Rs.5.5 crore, avoid putting the entire Rs.80 lakh into equity without reviewing your overall asset allocation. Your present equity exposure may already be sufficient for your retirement goals.

» 2. Can You Save Tax Through RBI Bonds?

It is important to distinguish between tax-saving investments and investments that offer safety or regular interest income.

RBI Floating Rate Savings Bonds are generally considered for investors seeking government-backed interest income. However, they are not a tax-saving instrument.

– Interest earned is taxable according to the applicable income tax rules.

– Investing in these bonds does not automatically provide a deduction under Section 80C.

– The bonds have a seven-year maturity period for ordinary individual investors, with premature encashment permitted only under specified conditions for eligible senior citizens.

– Interest rates are reset periodically, so the income may change over time.

Hence, these bonds can be considered for the safety and income portion of the portfolio, but not as a way to reduce tax on the windfall itself.

» 3. What Is the Maximum Investment Limit in RBI Bonds?

– There is no maximum investment limit in RBI Floating Rate Savings Bonds.

– However, these bonds are available to eligible resident individuals and HUFs. If your wife is an NRI, she would not be eligible to invest in these bonds under the current eligibility rules. Confirm her residential status before proceeding.

– The interest rate for July–December 2026 is 8.05% per annum, payable half-yearly. The rate is reset periodically.

– The maturity period is seven years, and liquidity is limited. Premature encashment is allowed only for eligible senior citizens after the specified lock-in period.

Therefore, these bonds may suit the stable-income portion of your wifes portfolio, provided she is eligible and can accept the lock-in.

» 4. Can You Save Capital Gains Tax on the Ancestral Property?

This is an important point to clarify before investing the money.

– If your wife received the property through inheritance, the inheritance itself is generally not taxable as income.

– However, if the ancestral property was sold and Rs.80 lakh represents her share of the sale proceeds, capital gains tax may arise. The taxable gain is not necessarily the entire amount received.

– Depending on the facts, Section 54EC capital gains bonds may offer tax relief when eligible long-term capital gains arise from the sale of land or a building.

– The maximum investment eligible for this exemption is Rs.50 lakh, subject to the applicable conditions and timelines. The investment must generally be made within six months of the transfer.

– These are different from RBI Floating Rate Savings Bonds. Section 54EC bonds are meant for eligible capital gains exemption, whereas RBI Floating Rate Savings Bonds provide taxable interest income.

If the property has already been sold, please check the sale date immediately. The deadline for claiming an exemption may be important.

» 5. Where Should You Invest the Remaining Amount?

If your wife is eligible for Section 54EC bonds and has sufficient eligible capital gains, up to Rs.50 lakh may be considered for that purpose.

The remaining amount can be allocated based on your financial goals.

– Bank deposits or other suitable fixed-income investments for short-term needs and capital safety.

– High-quality fixed-income instruments for the portion meant to provide stability.

– Diversified, actively managed equity mutual funds for long-term growth, if your overall portfolio review shows that additional equity exposure is appropriate.

Do not invest in a particular product only because it offers a tax benefit. Consider liquidity, taxation, maturity and the purpose of the investment.

» 6. My Final Assessment

Your family already has a strong investment base. At age 54, retirement planning, tax efficiency and asset allocation deserve more attention than simply maximising returns.

Before investing the Rs.80 lakh, please clarify these three points:

– Is the Rs.80 lakh received from an actual sale of ancestral property, or has your wife received the property itself as her share?

– Is your wife an Indian resident or an NRI for income-tax purposes?

– When was the property sold, if a sale has taken place?

These details will help determine whether capital gains tax applies, whether Section 54EC bonds are suitable, and how the remaining money can be invested efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |11484 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 13, 2026

Money
my father is 75 years old and my mother is 70 years old, she has stent in the heart, can you recommend which is the best health insurance policy for them. thanks
Ans: Thank you for sharing your parents details. Having health insurance at this age is important, especially when your mother has a heart stent.

» Health Insurance for Your Parents

– At 75 and 70 years, getting a new health insurance policy may be difficult. Premiums can also be high, and some insurers may not accept the application.

– Your fathers health condition and your mothers heart history will be considered during underwriting. Since your mother has a heart stent, the insurer may impose waiting periods, exclusions or other conditions.

– Do not choose a policy based on premium alone. Check the coverage, room rent limits, co-payment, disease-wise limits and claim conditions carefully.

» What You Should Check Before Buying

– Look for a senior citizen health insurance policy that accepts applicants of their ages and offers reasonable hospitalisation coverage.

– For your mother, disclose the heart stent procedure and all related medical details honestly. Ask the insurer in writing whether future cardiac treatment will be covered and from when.

– Check the co-payment clause. If the policy has a 20% co-payment, you may have to pay 20% of eligible hospital expenses yourself.

– Check pre-existing disease waiting periods. Existing heart conditions may not be covered immediately.

– Check whether the policy has limits on ICU charges, room rent, specific treatments or the total amount payable for certain illnesses.

» Consider These Alternatives

– If your parents already have health insurance, check whether it can be continued or enhanced. Keeping existing coverage may be more useful than buying a new policy.

– Check whether they have any employer-sponsored, government-sponsored or other eligible health coverage.

– If new insurance is unavailable or too costly, maintain a separate medical emergency fund. This will help meet hospital expenses not covered by insurance.

» My Assessment

At their ages, I would first check existing insurance and its continuation options. Then compare new policies based on actual coverage and exclusions.

For your mother, written confirmation about cardiac coverage is especially important. Do not assume that a policy will cover heart-related treatment simply because the insurer accepts her application.

Please share these three details for a more suitable assessment:

– Do your parents currently have any health insurance? If yes, what is the sum insured?

– Which city do they live in?

– Does your mother have any other medical conditions apart from the heart stent?

With these details, we can narrow down the available options and identify the most practical way to protect your parents from large medical expenses.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

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

...Read more

Krishna

Krishna Kumar  |430 Answers  |Ask -

Workplace Expert - Answered on Oct 12, 2026

Asked by Anonymous - Oct 12, 2026
Career
In my office, there are times when a colleague gets stuck with some work or makes a mistake, and I try to help them so that the work gets completed on time. Sometimes, I even put my own work aside to help them because I feel that we should support each other as a team. But when I am busy with my own tasks and need some help, the same colleagues are not always available. They may say they are busy or ask me to manage it myself. I don’t want to stop helping others because of this, as I feel it is important to maintain good relationships at work. At the same time, I sometimes feel that people take my helpful nature for granted, and my own work gets delayed because of it. I also worry that if I start refusing to help, my colleagues may think I have become selfish or uncooperative.
Ans: Dear

Very good question.

Few things let's get it clear. Each one is hired for a particular role and deliverables and they are paid for that.

You are hired first to do your work and deliverables assigned to you. Helping colleagues with their work, while letting your work aside is akin to not doing your responsibility.

My suggestion would be first focus on your work, if someone approaches you with a help and assistance for their work, you can provide them with guidance but do not end up doing their work.

If you are in the midst of your work and someone approaches you, you can politely yet firmly tell them that you are in mids if an important work and once done you will call them. DO NOT set aside your work for someone else. Remember you are working in a corporate world and not some social charitable organisation where any one can do everyone's work.

Hope this helps. All the best.

Warm Regards
KK

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