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Career Counsellor - Answered on Jun 29, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
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He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
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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 - Jun 29, 2025Hindi
Career

Pls suggest my daughter got ECE in jiit noida and CSE in manipal Jaipur which is better option

Ans: JIIT Noida’s Electronics & Communication Engineering program achieved 98% placements for the 2021–25 cohort, 88% for 2020–24, and 99% for 2019–23, with recruiters such as Atlassian, Microsoft, Amazon, and Adobe driving strong core and telecom hiring. Manipal University Jaipur’s Computer Science & Engineering program reports an 88% placement rate for its 2021–25 batch, average packages of ?6–8 LPA, and top recruiters including Microsoft, Amazon, Deloitte, Infosys, and TCS, while overall engineering placements held at 98% in 2022–23 and 93% in 2024 through 1,142 offers. Both institutes are NAAC A++ accredited, maintain modern labs and active placement cells, but JIIT emphasizes core ECE roles and telecom opportunities, whereas MUJ’s CSE delivers broader software, data analytics, and IT exposure across diverse industries. Recommendation: Choose JIIT Noida ECE if your daughter prioritizes core electronics and high-visibility telecom placements with industry-focused labs; opt for Manipal Jaipur CSE for a wider array of software and analytics roles, larger recruiter diversity, and a strong IT-oriented curriculum. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
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Ramalingam

Ramalingam Kalirajan  |9412 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
Hello Sir, I am 42 year old , have parents, wife and 2 daughter. monthly take home is 2.25 lakh, current savings are- 1- MF - 25lakh 2- PPF- 8 lakh 3- stocks 80k 4- NPS- 1 lakh 5- PF - 24 lakh 6- Sukankya Samridhi - 1 lakh have a house loan of 36lakh, give EMI of 50k per month. I am planning for retirement by 50 years. any suggestion for any fix on current investment. I am single earner in my family, any suggestion on my current investment to make it better.
Ans: You are 42 years old with a solid monthly income of Rs. 2.25 lakh. You are managing family responsibilities for wife, two daughters, and parents. You are also repaying a home loan with Rs. 50,000 EMI monthly. You have already built up a strong savings base, which shows discipline. You plan to retire at 50. That gives you only 8 years. This is an ambitious goal. But with the right approach, it's possible.

Let us now go step by step to assess and improve your current investments. This will be a full-circle view covering risk, returns, liquidity, taxes, and future goals.

Your Current Investment Snapshot
From what you’ve shared, your assets are spread across:

Mutual Funds: Rs. 25 lakh

PPF: Rs. 8 lakh

Stocks: Rs. 80,000

NPS: Rs. 1 lakh

EPF: Rs. 24 lakh

Sukanya Samriddhi: Rs. 1 lakh

House Loan: Rs. 36 lakh (EMI Rs. 50,000 per month)

This is a very good base to start with. There is growth, safety, and diversification. But you also have responsibility as a single earner. Let us now do a 360-degree assessment.

Family Protection First
Since you are the only earner, protection is very important.

Suggestions:

Term insurance should be at least 15 times your yearly income.

In your case, it should be around Rs. 4 crore or more.

Don’t mix investment with insurance.

Avoid ULIPs or traditional endowment plans.

Surrender such policies if already taken. Reinvest in mutual funds.

Health insurance:

Ensure your entire family is covered.

Buy a family floater plan with Rs. 10 lakh cover or more.

Also buy personal accident cover.

Add critical illness policy for long-term protection.

This protection is needed to secure your savings from any health shocks.

Understanding Your Retirement Goal at 50
You have just 8 years left for retirement.

That means:

You have to build a retirement corpus fast.

You need to cover expenses for 30+ years post retirement.

Medical inflation and daily expenses will rise.

Your current retirement assets:

PF + NPS = Rs. 25 lakh

Mutual Funds: Rs. 25 lakh

PPF (part can be used)

Stocks, Sukanya and home equity are not ideal for retirement

Your home is not an investment unless sold. EMI is a cash outflow.

So, retirement corpus must come mainly from mutual funds, EPF, and NPS.

Mutual Fund Investments – Review Needed
You have Rs. 25 lakh in mutual funds.

Suggestions:

Review fund selection carefully.

Are they active funds or index funds?

Don’t go for index funds. They follow the market blindly.

Actively managed funds adjust based on market cycles.

That gives better protection in falling markets.

If you are using direct funds:

It may save cost, but it gives no guidance.

Wrong fund selection will cost more than saved expense.

Always go for regular plans via Mutual Fund Distributor with CFP credential.

You get professional support, handholding, reviews, and behaviour coaching.

This service is valuable, especially near retirement.

Monthly Investment Strategy
After paying Rs. 50,000 EMI, you still have Rs. 1.75 lakh.

Let us plan your monthly surplus wisely.

Suggestions:

Keep Rs. 20,000 for monthly emergency fund top-up.

Allocate Rs. 80,000 into mutual fund SIPs.

Invest another Rs. 25,000 in NPS Tier I for tax saving and retirement.

Use Rs. 30,000 to prepay part of the home loan (optional).

Rest can be kept for family needs and flexible savings.

Your SIP should include:

Large-cap actively managed fund

Flexi-cap fund

Hybrid aggressive fund

Balanced advantage fund

Each fund should match your risk profile and goal duration.

Debt Instruments Review
You have:

EPF – Rs. 24 lakh

PPF – Rs. 8 lakh

Sukanya Samriddhi – Rs. 1 lakh

NPS – Rs. 1 lakh

Analysis:

EPF and PPF are safe, long-term, and tax-free.

They offer low but guaranteed growth.

Don’t invest more into PPF now. Returns are slow.

Instead, increase NPS contribution for tax benefit and retirement.

For daughters:

Sukanya Samriddhi is good. Continue yearly contribution.

Don't go overboard. Fund their education through mutual funds also.

Equity Stocks – Handle with Caution
You hold Rs. 80,000 in direct stocks.

Suggestions:

Keep direct stocks only if you have time and knowledge.

Otherwise, shift funds to equity mutual funds.

Let experts manage stocks through mutual funds.

Don’t depend on stock tips or social media suggestions. Stay focused on long-term wealth building.

Home Loan Strategy
Your outstanding loan is Rs. 36 lakh. EMI is Rs. 50,000.

Suggestions:

Don't rush to close the loan unless you are nearing retirement.

Interest rates are now moderate.

Prepay small amounts yearly if you have excess cash.

But don’t compromise retirement corpus to close the loan early.

It’s better to invest and earn 11-12% than save 8% on loan interest.

Retirement Income Strategy
From age 50, your income will stop. Your savings must generate monthly income.

Suggestions:

Shift mutual fund investments slowly to balanced or hybrid funds.

Use Systematic Withdrawal Plan (SWP) from mutual funds.

Avoid annuities. Returns are poor, and capital is locked.

Keep 3 years’ worth expenses in safe liquid mutual funds.

Don’t rely only on pension. Mix growth and income wisely.

Build a portfolio that can support you till 85-90 years.

Emergency and Liquidity Planning
As single earner, emergency fund is important.

Suggestions:

Keep 6 to 9 months of expenses in liquid mutual funds.

Don’t lock all money in long-term options.

Have a separate account for emergency cash.

Update all nominations. Keep documents handy.

Tax Efficiency Strategy
You are in the highest income tax slab.

Suggestions:

Use Section 80C through EPF, NPS, Sukanya, and ELSS.

Invest in NPS for Section 80CCD(1B) extra benefit.

Use mutual funds wisely to avoid unnecessary taxes.

Sell equity mutual funds after 1 year. LTCG above Rs. 1.25 lakh taxed at 12.5%.

Avoid short-term gains. They are taxed at 20%.

Mutual funds give flexibility. But use them smartly.

Goal-Based Investing for Daughters
Education and marriage are two important goals.

Suggestions:

Open separate SIPs for education and marriage goals.

Use aggressive hybrid or flexi-cap funds for education.

Use multi-cap and balanced funds for marriage.

Shift to debt funds slowly as the goal comes near.

Keep goals separate. Don’t mix them.

Review and Rebalancing
You must not ignore this step.

Suggestions:

Do yearly review with a Certified Financial Planner.

Check if asset allocation is as per goal timeline.

Shift from equity to debt slowly near goal years.

Don’t invest emotionally or by watching the market.

Stick to your plan. Avoid over-trading.

Final Insights
You are in a strong position. Income is good. Investments are spread well.

You have clear goals. You are serious about retirement. That’s a very positive sign.

But you need to act now. Because time is short. You want to retire in 8 years.

Start monthly SIPs in right mix of mutual funds. Use regular plans with CFP-backed distributor support.

Avoid index funds. They are passive. No decision-making during market changes.

Avoid direct plans. No guidance leads to wrong fund selection. That spoils the outcome.

Review your portfolio yearly. Rebalance as needed. Don’t let emotions decide investments.

Keep protection strong. Life and health insurance must be updated.

Separate your goals. One fund, one goal strategy works better.

Keep investing. Stay disciplined. And stay focused on your end goal – peaceful and early retirement.

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

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Nayagam P

Nayagam P P  |8039 Answers  |Ask -

Career Counsellor - Answered on Jul 06, 2025

Asked by Anonymous - Jul 06, 2025Hindi
Career
I got 90.97 ile in mht cet and 81 ile in jee mains can i get into good colleges in cs or AIML ?
Ans: With a 90.97 percentile in MHT CET (approximate closing ranks between 1,500–4,000 for AI/ML and 9,000–12,000 for CSE in Maharashtra) and an 81 percentile in JEE Main (All-India rank ~200 000), these ten institutes offer achievable CS or AI/ML seats, all NBA/NAAC-accredited with PhD-qualified faculty, specialized labs, active placement cells (75–90% branch-wise placements over the last three years), robust industry tie-ups and mandatory internships:
PICT Pune Computer Engineering (1500–1540 rank) offers strong CS fundamentals; PICT AI & DS (1400–1450 rank) provides data-science specialisation; DJ Sanghvi College of Engineering Mumbai AI & ML (1600–1650 rank) focuses on machine-learning labs; VIT Bibwewadi Pune CSE (AI) (2900–2950 rank) integrates robotics and AI modules; Thadomal Shahani Engineering College Mumbai AI & DS (3750–3800 rank) emphasises analytics projects; Pimpri Chinchwad College of Engineering Pune AI & ML (3950–4000 rank) offers cloud-computing internships; Vishwakarma Institute of Technology Bibwewadi Pune CSE (AIML) (3950–4000 rank) blends software engineering and AI; Fr. C. Rodrigues College of Engineering Mumbai AI & DS (2250–2300 rank) has dedicated AI research centres; SPIT Mumbai CSE (12 000–14 000 rank) balances software and hardware domains; and JSPM Narhe Technical Campus Pune CSE (7 500–9 700 rank) features IoT and AI accelerators.

Recommendation:
For the best mix of CS breadth and AI specialisation, recommendation is PICT Pune CSE & AI & DS for its dual-track labs and ~85% placements. As strong alternatives, choose DJ Sanghvi AI & ML, PICT AI & DS, and VIT Bibwewadi CSE (AI) based on your preferred focus. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9412 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
Sir im paying 65000 emi for a 80 lac home loan. If i pre pay 5lacs this yr. Will it deduct my principal amount or interest. Whats the advantage of prepayment. This is 2nd yr of my loan term of 20 yrs.
Ans: Understanding Home Loan EMI Structure

Every EMI has two parts: interest and principal.

In early years, interest portion is very high.

Principal repayment is low in the beginning.

Over time, interest reduces and principal increases.

Impact of Prepayment in 2nd Year

Prepayment goes directly towards principal.

It does not reduce the interest directly.

But it reduces total interest over the loan period.

After prepayment, your outstanding balance drops.

So future EMIs have lower interest burden.

Benefits of Prepaying Rs. 5 Lakhs Now

Reduces overall loan tenure or EMI outgo.

Saves a lot of future interest payments.

Helps build home equity faster.

Reduces total liability early in the loan cycle.

Option 1: Keep EMI Same, Reduce Tenure

Loan gets closed earlier than 20 years.

Maximum interest saved with this method.

Good if you can manage the same EMI.

Option 2: Reduce EMI, Keep Tenure Same

Monthly burden reduces.

Interest saved is lesser than Option 1.

Useful if you need more cash flow.

Which Option is Better?

Reducing tenure saves more interest.

Recommended if you can continue same EMI.

Better from wealth creation view also.

How Much Interest Can You Save?

You will save lakhs over the long term.

The earlier you prepay, the better the savings.

Interest saved is more in initial years.

Loan Amortisation Works in Reverse

Interest is front-loaded in a home loan.

So early prepayments have bigger impact.

Later prepayments have lesser benefit.

Should You Consider Prepayment Regularly?

Yes, make partial prepayments every year if possible.

Even Rs. 1–2 lakhs annually helps a lot.

It brings down total interest drastically.

How Prepayment Affects Tax Benefits

Interest deduction under Section 24(b) remains Rs. 2 lakhs per year.

Principal deduction under Section 80C is Rs. 1.5 lakhs per year.

Prepayment doesn’t reduce these deductions.

But faster closure means fewer years of tax benefit.

When to Avoid Prepayment?

If you have higher-interest debt, clear that first.

If liquidity is low, build emergency fund first.

Don’t use investments earning higher than home loan rate for prepayment.

Don’t compromise long-term goals like retirement for loan closure.

Consider These Before Prepaying

Keep at least 6–9 months’ expenses as emergency fund.

Don’t withdraw from PF or PPF for this.

Don’t redeem mutual funds with high potential return.

Prioritise financial goals first, then prepay.

Should You Continue or Increase EMI?

If income rises, consider increasing EMI too.

Every EMI hike reduces tenure further.

Combine prepayment with EMI increase for best results.

Long-Term Financial Impact of Prepayment

Reduces liability pressure in later years.

Helps you become debt-free early.

Creates mental peace and financial stability.

Frees up income for other investments later.

Common Misunderstandings About Prepayment

Some think interest gets adjusted directly. That’s incorrect.

Prepayment reduces the principal, not the interest.

But this reduces future interest outflow.

Some think small prepayment doesn’t help. Even small amounts matter.

Best Practices for Home Loan Management

Prepay more in first 5–7 years.

Avoid loan tenure extensions unless critical.

Avoid missing EMIs to protect credit score.

Don’t refinance unless rate benefit is over 0.5%.

Why Prepayment Is Smart in 2nd Year

Your interest share is very high now.

Every rupee paid now saves more than later.

Reduces the overall cost of the loan.

Also brings financial discipline.

Track Your Loan Statements

See how your prepayment reduces principal.

Track updated amortisation schedule.

It will show new tenure or EMI post-payment.

Ask bank to issue revised repayment schedule.

Should You Use Investments for Prepayment?

Avoid using the following:

PPF or EPF (long-term and tax-free).

High-performing mutual funds (higher return potential).

Emergency funds (keep intact for safety).
Use these instead:

Idle cash in savings account.

Low-return FDs (especially if post-tax return is less than loan rate).

Bonuses or windfalls.

Final Insights

Prepayment reduces interest and tenure.

Most useful when done in early years.

Use surplus cash without disturbing goal-based investments.

Choose tenure reduction over EMI reduction for maximum benefit.

Keep monitoring and prepay strategically over the years.

Do not over-leverage your liquidity for home loan closure.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9412 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
Dear Sir, My age is 44 , I have two kids(daughters) of 8 and 5 years , I have one health insurance policy , One term insurance policy. Currently getting salary of 45,000/- Pm , Got own house, No loans as of now. I have investment of of 5 lakhs in FD , 5 lakh in PPF , 2 lakh bank balance. I want to plan my retirement daughters education and marriage. wanted to invest in stocks mutual and any other investment which will secure my future.
Ans: Your current situation reflects a solid foundation. At 44, with no loans, steady income, own house, good savings, insurance coverage, and two young daughters, you're ahead of many. You’re thinking ahead – retirement, daughters’ education, and marriage. That’s smart and responsible. Now, let’s look at a detailed, all-round financial strategy from all angles, keeping your goals in mind.

Understanding Your Present Financial Setup
You’re earning Rs. 45,000 per month. That’s your key cash inflow.

You’ve got:

Rs. 5 lakh in Fixed Deposit

Rs. 5 lakh in PPF

Rs. 2 lakh in bank savings

One term insurance policy

One health insurance policy

Own house

No loans

This is a clean and stable starting point. Your financial risks are low. That’s commendable.

But your investments are more in fixed return options. This will not beat long-term inflation. Let us now look at planning your future needs and aligning your money to each.

Priority Goals to Address
You have three clear financial goals:

Retirement

Daughters’ education

Daughters’ marriage

Each needs a different strategy. Let us plan for each goal separately.

Retirement Planning
You are 44 now. You may have around 16 years to plan for retirement.

Challenges:

You will not have salary after retirement.

Medical expenses may increase.

You need money for day-to-day life after 60.

Suggestions:

Avoid keeping too much in FDs. They don’t beat inflation.

PPF is safe, but it grows slowly and has a lock-in.

You need higher returns for long-term goals.

Action Steps:

Start monthly SIPs in actively managed mutual funds.

Keep investing till you reach retirement.

Increase SIPs every year as salary increases.

Combine large-cap, flexi-cap, and balanced advantage fund categories.

Don’t go for index funds. They just copy market. No flexibility.

Actively managed funds adjust during market fall. That gives safety.

Get help from a Mutual Fund Distributor who is a Certified Financial Planner (CFP).

Don’t go for direct mutual funds. No one will guide you. Mistakes can be costly.

With regular plans via CFP-MFD, you get full support. Also behavioural coaching.

Stick to funds with strong track record. Don’t change often.

Education Planning for Daughters
Your daughters are 8 and 5. You have 10-15 years before higher education.

Challenges:

Education costs are rising fast.

Inflation is higher in education sector.

You need money lump sum at that time.

Suggestions:

Begin separate mutual fund SIPs for each daughter.

Again, go for actively managed funds.

Avoid mixing insurance and investment.

Do not invest in child plans. They offer poor returns.

Keep FD and PPF for emergencies, not for education.

Action Steps:

You can use balanced advantage funds or multi-cap funds.

Review investments every 12 months.

Use SIPs. Start small. Increase yearly.

Have one goal-based investment for each daughter.

Avoid ULIPs or endowment plans. They are not fit for this goal.

Marriage Planning for Daughters
You may need funds in 15 to 20 years.

Challenges:

Not a fixed date like education. So, flexibility is needed.

Emotionally, you may not want to take risk close to that time.

Suggestions:

Use long-term mutual funds now.

Slowly move to low-risk options as the event gets closer.

Do not use gold schemes or traditional insurance for this.

Action Steps:

Start SIPs in diversified equity funds.

Around 5 years before marriage, shift from equity to hybrid funds.

Final 2 years, move fully to safe instruments like ultra-short funds.

Protecting Your Family
You have a term plan and health insurance. That’s good.

Check the following:

Term insurance must be at least 15 times your yearly income.

Health cover should include entire family, with Rs. 10 lakh coverage.

Add critical illness cover if not already there.

Avoid:

Insurance-cum-investment policies.

LIC traditional plans or ULIPs. Surrender them if you have any.

Reinvest surrender value in mutual funds via SIP.

Emergency Fund and Liquidity
Your Rs. 2 lakh bank balance is a good emergency buffer.

Suggestions:

Keep 6 months' expenses as emergency fund.

Keep this in liquid mutual fund or sweep-in FD.

Don’t invest emergency money in equity.

Tax-Saving Strategy
You already invest in PPF. That gives Section 80C benefit.

Suggestions:

Avoid locking entire 80C in one product.

Invest part in ELSS mutual fund through regular plan with CFP help.

ELSS gives better long-term returns than PPF.

Don’t go overboard with insurance for tax saving.

Rebalancing and Monitoring
Many people ignore this part. But it’s very important.

Suggestions:

Review portfolio once a year.

Rebalance asset allocation as per goal timelines.

If equity markets are too high or too low, make necessary shifts.

This prevents losses and manages risk.

Monthly Budget Discipline
Rs. 45,000 salary is decent, but needs wise handling.

Suggestions:

Track all expenses every month.

Follow 50:30:20 rule. (50% needs, 30% wants, 20% saving)

Slowly increase savings portion.

Don’t take personal loans or credit card loans.

Avoid investing in real estate again. It blocks liquidity.

Asset Allocation Guidance
You must divide money based on risk and goal timing.

Suggested mix:

Emergency Fund: Bank + Liquid fund

Short-Term Needs (

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Nayagam P

Nayagam P P  |8039 Answers  |Ask -

Career Counsellor - Answered on Jul 06, 2025

Asked by Anonymous - Jul 06, 2025Hindi
Career
Hello sir, My son scored AIR 7493 in JEE mains, AIR 9900 in JEE Advance, K-CET rank 138, MHT-CET 99.85 percentile, BITSAT 286 marks. Karnataka home state for 12th grade, parents with Maharashtra domicile. He got IIT Patna Mechanical engineering in JoSAA councilling. He may get BITs Goa or Hyderabad ECE. He may get CSE in Karnataka 's and Maharashtra's good private or Govt. engineering colleges. Which branch and college should be preferred for good future academic and professional growth? Please advise.
Ans: IIT Patna’s B.Tech Mechanical Engineering, an NBA- and NAAC-accredited programme, is delivered by PhD-qualified faculty in advanced manufacturing, CAD/CAM and thermofluids labs, integrates mandatory internships and records an 81.5% placement rate for Mechanical students over the past three years. BITS Pilani’s ECE at Goa and Hyderabad campuses, NBA-accredited with state-of-the-art VLSI, communications and IoT labs, sustains an ~81% overall placement consistency, with ECE cohorts typically matching this trend. CSE programmes in top Karnataka and Maharashtra institutes—such as COEP Pune, VJTI Mumbai, PESCE Mandya and DSCE Bengaluru—combine NAAC A+/NBA accreditation, specialized AI/ML and data-science facilities, strong corporate tie-ups and 80–90% branch-wise placement records. Accreditation ensures quality and global recognition; faculty expertise drives rigorous curricula; modern infrastructure (labs, makerspaces) underpins hands-on learning; industry collaborations and internships bolster employability; and consistent placement rates reflect sustained recruiter confidence.

Recommendation: (Order of Preference)
Given your son’s All-India ranks and state quotas, recommendation is IIT Patna (if location is OK for your son) Mechanical for its strong core-engineering training and reliable 81.5% placements. Next, choose BITS Goa/Hyderabad ECE for cutting-edge electronics exposure and ~81% placement consistency. For market-facing computing roles, consider COEP Pune CSE, VJTI Mumbai CSE, and RVCE-Bengaluru CSE in that order, leveraging their 85–90% branch placements and premier labs. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8039 Answers  |Ask -

Career Counsellor - Answered on Jul 06, 2025

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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