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What are my options for engineering entrance exams in Odisha?

Nayagam P

Nayagam P P  |4466 Answers  |Ask -

Career Counsellor - Answered on Dec 02, 2024

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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Pradeep Question by Pradeep on Dec 02, 2024Hindi
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My son is now preparing for JEE, What are the other entrance exam options for a student of Odisha for study in Engineering?

Ans: Pradeep Sir, Other Entrance Exams options for your Son (in order of preference). (1) KIITEE (Kalinga of your State Private College) (2) COMEDK (for the colleges of Bengaluru & other parts of Karnataka) (3) BITSAT (Fees would be higher, compared to others) (4) WBJEE (of West Bengal) (5) OJEE (of Orissa, if held) or you can try with JEE Score of your son for any one of the reputed colleges in your State like Silicon, VSSUT, CET, DRIEMS, GEC etc. (6) MET (Manipal) (7) VITEEE (8) AIEEE (of Amrita) (9) SRMJEE. All the BEST for Your Son's Engineering Entrance Exams.

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Nayagam P

Nayagam P P  |4466 Answers  |Ask -

Career Counsellor - Answered on Jun 03, 2024

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Hello Rohit - My son is studying in class 12th and is meritorious student. Apart from JEE what engineering colleges entrance exams are available for him?
Ans: Rakesh Sir,

Apart from JEE, there are multiple Entrance Exams your Son can appear in, to get admission into any one of the top-ranked University / College all over India.

It depends upon a number of following factors:

1) His Interest, Aptitude, Attitude, Personality Traits & his Orientation Style.
2) He is interested in which Stream / Branch to build his Career (Computer, IT, Design, Architecture, AI & ML, Aerospace through Indian Institute of Technology, Electronics, Electrical, Civil, BioTech etc.)?
3) If your son is interested to join any one of the top-ranked Private Colleges of your State (or) other States, he can appear for the Entrance Exams of the same.
4) As you have mentioned that he is a meritorious student, getting admission into any one of the reputed University / Institute / College won’t be an issue for you.

Now itself, shortlist around 10-15 reputed University / College and also the Stream / Branch he is interested in.

Know the Admission Process for each University / College and apply in advance.

NO need to prepare separately for each Entrance Exam as he is already preparing for JEE. He should only know the Exam Pattern and attempt previous 10-years Question Papers to boost his confidence.

Hope the above information is helpful to you, Sir, for your Son.

If you need any other clarifications for you or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU to know more on ‘Careers / Education / Jobs’.

All The BEST for your Son’s Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

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Nayagam P

Nayagam P P  |4466 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

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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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Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 29, 2025
Money
Hi Sir, I have a property in Mumbai suburb (approx 40L) and its location is perfect near station, bus stop, heart of the city etc. It's very old around 36 years old. I have just inherited it and I am finishing the legal procedure of it. The monthly maintenance is increasing every year and we are still waiting for redevelopment to happen. I am housewife and require monthly income. We also have loans around 25 L. My husband is int IT field and I am German language expert. We have a son 3 years. Some are saying to give it on rent and some are saying to sell it off for repaying loans. Even if I sell it I would like to reinvest it somewhere for getting monthly income, preferably a property. I want a secure investment for meeting the requirements for my son's education as my husband's field is very volatile due to regular layoffs and stuff. Kindly guide
Ans: You have inherited a 36-year-old property worth around Rs 40 lakh.
You have Rs 25 lakh loans to repay.
You are a housewife but a German language expert, and your husband is in IT.
You want monthly income and secure future planning, especially for your son.

You have inherited a valuable property in Mumbai suburb.

You are completing the legal formalities rightly, which is very important.

You are thinking ahead for monthly income, child education, and loan repayment.

Very few people show this kind of foresight. You deserve appreciation.

Challenges You Are Facing Now

Property is old, around 36 years, and needs maintenance.

Maintenance charges are rising every year, increasing burden.

Redevelopment is uncertain and unpredictable.

You have Rs 25 lakh loans creating stress.

Husband's IT field is unstable due to layoffs.

You want a secure monthly income and financial stability.

Option 1: Giving Property on Rent

You can earn monthly rental income by renting it out.

Typical rent may be around Rs 8,000 to Rs 12,000 per month.

Rental yield will be hardly 2%-3% on Rs 40 lakh value.

This is very low compared to your needs and loan burden.

Maintenance charges, property tax, repairs will further reduce your income.

Vacancy risk is also there if tenants leave.

Overall, rental income may not fully support your financial goals.

Option 2: Selling the Property

Selling can give you around Rs 40 lakh.

You can immediately clear Rs 25 lakh loans.

After repaying loans, you will still have around Rs 15 lakh.

Loan closure will bring huge mental peace and cash flow freedom.

No more EMI burden means husband's salary can be saved better.

You can use balance Rs 15 lakh wisely to generate monthly income.

Important Insights on Redevelopment

Redevelopment can take 5-10 years easily.

Many projects get delayed due to disputes and permissions.

Till redevelopment happens, maintenance and repair costs rise.

You may have to stay invested without any income for long.

Your immediate needs for income and loan closure will not be solved.

Depending on redevelopment alone is very risky at this stage.

What You Should Ideally Do

Prefer selling the property now while market is still decent.

Clear all Rs 25 lakh loans fully and become completely debt-free.

Debt-free life is the biggest financial freedom you can gift your family.

With balance money, create a secure income plan.

Stay light without property burdens and maintenance worries.

Focus on building an education corpus for your son and retirement corpus.

Where to Invest After Selling

Do not buy another property immediately for investment.

Property rental yields are low, and liquidity is very poor.

Instead, create a mix of debt mutual funds and hybrid mutual funds.

These can give you monthly income using Systematic Withdrawal Plan (SWP).

This method protects your capital and gives you flexible monthly payouts.

Debt mutual funds can provide 6%-7% returns safely with low risk.

Balanced advantage funds can give 8%-10% returns over 3-5 years.

Always choose regular mutual fund plans through a MFD who is also a Certified Financial Planner.

Why Not Property for Reinvestment?

Property is illiquid; selling it again takes months or years.

Property has heavy costs like stamp duty, registration, brokerage, repairs.

Rentals are taxed fully as income, eating away returns.

If tenant defaults or property is vacant, you get zero income.

Maintaining property is a headache, especially in old buildings.

Mutual funds offer better flexibility, better tax-efficiency, and better liquidity.

Disadvantages of Direct Plans (Important for You to Know)

If you invest in direct mutual fund plans yourself, you miss expert guidance.

Wrong fund selection, wrong withdrawal rate can destroy your capital.

Regular plans through a CFP-backed MFD give proper fund selection and review.

Charges in regular plan are justified because it protects your long-term wealth.

Getting professional hand-holding is very important for your peace of mind.

Additional Steps You Must Take

Keep a separate emergency fund of Rs 3 lakh in liquid mutual funds.

Buy a good term insurance cover for husband (at least Rs 1 crore).

Ensure you have a good health insurance for the whole family.

Start a small SIP for your son’s education goal systematically.

Slowly explore freelancing as a German language expert to earn extra income.

Future Planning for Your Son

Education costs are rising 10%-12% every year in India.

For good education after 15 years, you will need a large corpus.

Start small SIPs in good mutual funds focused on child education.

Stay committed for long-term without withdrawals.

Education planning must be top priority after loan closure.

Final Insights

Renting out the old property will not solve your loan and income issues properly.

Selling the property now and clearing the loans is the better, safer step.

Remaining money should be invested wisely for monthly income generation.

Avoid buying new properties now. Focus on mutual fund income plans.

Build emergency reserves, insurance covers, and an education fund for your son.

Stay light, stay debt-free, and keep life flexible financially.

Your thinking is already mature. With correct action, your future will be very secure.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |8311 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 28, 2025
Money
Could you tell me the ideal stock quantity for me as I am investing 10k in each stock and I get minimum 30 percent return so I am not happy with reward. FYI my portfolio is of 5 Lacks investing since 2017.
Ans: You have a Rs 5 lakh stock portfolio.
You are investing Rs 10,000 in each stock.
You are getting around 30% returns, but you are not fully happy.

Let me help you with detailed insights.

Appreciating Your Journey So Far

You started investing in 2017, which shows good discipline.

Growing the portfolio with regular Rs 10,000 investments is a smart habit.

Earning 30% returns is not bad, especially in Indian stock markets.

Many investors struggle even to beat inflation in long-term investing.

You deserve appreciation for steady progress and patience.

Understanding Your Concern

You want even better returns than 30%.

You feel Rs 10,000 in each stock is limiting your potential.

You are looking for an ideal number of stocks for higher growth.

Ideal Number of Stocks to Hold

If portfolio is Rs 5 lakh, then having 15 to 20 stocks is healthy.

Less than 10 stocks can make portfolio risky and unstable.

More than 25 stocks will dilute returns and weaken performance.

Around 18 stocks can give you good balance of safety and growth.

Each stock can ideally carry 4% to 7% weight in your portfolio.

Problems of Over-Diversification

Holding too many stocks reduces focus.

Monitoring all stocks becomes difficult.

Even if some stocks do well, overall portfolio may not reflect it.

Returns get pulled down when poor stocks dilute the strong ones.

Problems of Under-Diversification

Too few stocks increase risks sharply.

Bad performance of one stock hits portfolio badly.

Emotional decision making becomes harder.

Volatility can become scary during market falls.

Fine-Tuning Your Approach

Increase your per stock investment slightly to Rs 15,000 to Rs 20,000.

Focus on holding 15 to 20 strong companies across sectors.

Prioritise companies with strong balance sheet and consistent profits.

Look for companies with leadership in their industries.

Reduce churning of stocks; stay invested patiently.

Sector Allocation Guidance

Allocate across banking, FMCG, pharma, IT, auto, and energy sectors.

Avoid over-investing in one sector or theme.

Always maintain sector diversification for stability.

Reviewing Your Return Expectations

Expecting more than 30% return consistently can be risky.

Stock market returns move in cycles.

In good years, 40%-60% returns may happen.

In bad years, even negative returns can occur.

Long-term average return expectation should be around 12%-18%.

Identifying the Real Issue

30% growth is a strong outcome compared to bank FDs and debt funds.

If you feel unhappy, maybe it is because of high expectations.

Managing emotions is key to wealth creation.

Recommended Action Plan

Stick to around 18 focused high-quality stocks.

Increase amount slightly if you find very strong companies.

Focus on strong fundamentals, not just price movements.

Rebalance portfolio once in a year to maintain sector weight.

Invest fresh money slowly when good opportunities arise.

Additional Important Points

Don't take high risks to chase higher returns.

Wealth building is a marathon, not a sprint.

Stay disciplined and trust your process.

Consistency will reward you richly in next 5-10 years.

Final Insights

Holding around 15-20 carefully selected stocks is ideal for you.

Focus more on quality stocks than chasing return numbers.

Growing wealth steadily is more important than chasing quick profits.

Stay invested with a cool mind, and you will achieve great success.

Celebrate your discipline till now and keep improving step-by-step.

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.

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