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Nayagam P

Nayagam P P  |6050 Answers  |Ask -

Career Counsellor - Answered on May 22, 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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Asked by Anonymous - May 20, 2025
Career

I ranked 132512 in jee mains 2025, as ageneral category can i get any nit for btech with cse?

Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have other back-ups too instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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

Asked by Anonymous - Jun 09, 2025
Money
Hello Sir, I am 43 years, I have around 2 cr in stock market, 1cr in government bonds and mutual funds, a flat in Bangalore worth 70 lakhs and recently I sold around 1.6 cr worth stocks and savings to purchase a house in the outskirts of a two tier city where I am currently residing. Was it worth investing in this property? I have taken a break from my job
Ans: You have made many financial moves with clarity and purpose. Your asset base is strong.

You sold Rs.?1.6 crore worth of financial assets to buy a house. Let us now assess this decision. We’ll look at all angles to guide you.

This detailed review will help you make smart, balanced, long-term decisions.

Was Buying the Property a Good Decision?

Owning a house offers emotional comfort and stability.

It also lowers rent cost and gives more space.

But property is not a flexible investment.

It is hard to sell fast when money is needed.

Property needs repairs, tax payments and legal care.

Financial investments do not have such burdens.

Your earlier financial assets were more liquid.

You had Rs.?2 crore in stocks and Rs.?1 crore in bonds and mutual funds.

After this new property, your real estate share is now very high.

This can impact long-term growth and flexibility.

Financial assets like mutual funds often grow faster.

Properties in outskirts grow slowly and depend on area development.

This growth is not guaranteed.

You must check if the area has good infrastructure plans.

Is Real Estate the Best Wealth-Building Tool?

Property is not the fastest wealth builder.

Equity mutual funds grow faster over time.

Property needs high capital, low returns and long holding periods.

You may also face legal or title issues.

Rent income is also not guaranteed.

Real estate is hard to sell when you need cash.

Stocks and bonds are easier to exit.

Real estate gives pride, but less profit.

You must not depend only on property for wealth.

How Your Asset Mix Looks Now

Your assets are now heavy in real estate.

Rs.?70 lakhs flat in Bangalore plus Rs.?1.6 crore new house.

That’s over Rs.?2.3 crore in property.

Stock and mutual fund holding is now Rs.?2 crore approx.

This makes the ratio about 55% in real estate.

For financial growth, this is very high.

Financial assets give compounding and flexibility.

Too much in real estate may hurt long-term goals.

You may face difficulty accessing funds in emergencies.

Liquidity is now lower than before.

You are on a job break, so liquidity is more important now.

During Career Break, Liquidity is Vital

When you are not earning, liquidity is your protection.

Property cannot give you quick funds in emergencies.

But mutual funds and stocks can be sold in 1-3 days.

You must protect cash flow till income resumes.

Emergency fund should be 12 months’ living cost.

Ensure you are not over-relying on property.

What You Could Have Considered Instead

You could rent in outskirts instead of buying.

Renting keeps your money invested in mutual funds.

You could have earned higher returns with flexibility.

Money in mutual funds can help meet multiple goals.

Renting avoids repair, tax and legal costs.

Ownership is not always necessary.

Emotional satisfaction from a house is valid.

But it must not reduce your long-term growth.

Why Mutual Funds Are a Better Tool for Growth

Mutual funds give professional fund management.

They offer better diversification than any property.

Regular mutual fund plans offer expert support.

A Certified Financial Planner can help choose better funds.

Actively managed funds adjust to market changes.

Index funds just copy the market.

Index funds don’t protect against sharp market falls.

They do not beat the market in tough times.

Direct mutual funds also have no personal help.

If you invest directly, you get no strategy or advice.

Regular plans give human support and help in planning.

Investment without expert help is like driving without direction.

Choose mutual funds through MFD with CFP support.

What You Should Do Next

Review if the new house is for self-use or investment.

If self-use, then it meets emotional comfort, not wealth goals.

If investment, then rethink its growth and returns.

Keep some funds in high-quality mutual funds.

Avoid putting more into real estate.

Resume SIPs once cash flow starts again.

Avoid index funds and direct funds going forward.

Focus on active funds with proper advice.

Set goals for retirement, health, and other needs.

Adjust asset mix to support those goals.

Keep financial assets above 50% for better future growth.

Plan your tax-saving investments every year.

Don’t depend only on property or insurance-based plans.

If you hold any LIC, ULIP, or combo plans, review them.

If returns are poor, consider surrendering and investing in mutual funds.

Property must be need-based, not return-based.

Let financial products drive long-term growth.

Take insurance for risk protection, not investment.

Continue asset review every 6 months.

Choose Certified Financial Planner to keep you on track.

Finally

Your decision to buy the house brings peace, but lowers growth.

It’s fine if emotional security is your key goal now.

But make sure you don’t lose financial strength.

Property is hard to manage, and slow to grow.

Your asset allocation needs rebalancing toward financial investments.

Start investing again when income resumes.

Reduce dependence on physical assets.

Trust actively managed mutual funds via regular plans.

Seek professional guidance to ensure your long-term success.

You’ve done well so far. With a few changes, you can go further.

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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