Will I Get CSE at NIT Trichy with 98.43 Percentile in JEE Main Jan 2025 (OBC-NCL, Tamil Nadu)?

Ans: Chemical Engineering leads with an 83.5% placement rate (2024), driven by core roles in oil/gas, pharmaceuticals, and sustainable energy via recruiters like ExxonMobil and Reliance, supported by interdisciplinary research in advanced materials and process optimization. Energy Engineering (Integrated B.Tech + M.Tech) follows with 88% placements, emphasizing renewable energy systems and collaborations with Shell and GE, though its niche focus limits sector diversity. Industrial Engineering & Operations Research (IEOR), a newer program, offers versatility in data science, supply chain analytics, and AI/ML applications, with projected placements in tech and consulting sectors, though historical data is limited. Engineering Physics reports a 68.29% placement rate (2024), with 50% transitioning to IT roles via certifications, while others pursue research in quantum computing or advanced materials.

Recommendation: Prioritize Chemical Engineering for established industry demand and research depth, followed by Energy Engineering for growing renewable sector opportunities. Choose IEOR for emerging interdisciplinary roles, and Engineering Physics if favoring academic research or flexible career pathways over immediate placements. All the BEST for your Admission & a Prosperous Future!

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Ans: Hi Sir,
Instead of asking me, better follow them. Some time it is possible. So don't waste your time

Ans: Dear Anonymous,
I am very sorry you are going through such a tough time. First of all, this ‘no seal no deal’ is the brainchild of extremely insecure people. You should not have to worry about that. If, in the future, you start dating someone, and you decide to tell them about your past and they say something that indicates this mentality, you should reconsider the relationship. Your past is your past. Whatever happened between you and your ex was out of love. And it isn’t a flaw in you. Remember, you deserve as much happiness and love as any other person. Coming to whether you can ever share your past or not- that is entirely up to you. There is no hard and fast rule that you must tell your partner every single detail of your past relationship history. But I strongly suggest focusing on finding someone with whom you can share anything without fear of judgment.


In the end, I’d again like to remind you that the choice to disclose your past is on you. No one can pressure you to talk about it, or not sharing the same doesn’t make you guilty of anything. For now, please stop worrying about all these and focus on keeping yourself happy and moving forward. You deserve someone who will love you every day and for everything you are.
Hope this helps.

Ans: Lavanya Madam, With a JEE Advanced SC rank of 800, admission to Computer Science and Engineering (CSE) at IIT Madras remains unfeasible (2024 SC cutoff: 72), but competitive options include Mechanical Engineering (2024 SC cutoff: 716) and Aerospace Engineering (788), both offering 90%+ placement rates and median salaries of ?19.6 LPA (2023-24 data). For research-oriented pathways, Chemical Engineering (SC cutoff: 1,225) provides opportunities in sustainable energy and materials science via collaborations with DRDO and ISRO, supported by ?59.12 crore in annual research funding. Electrical Engineering (SC cutoff: 378) combines strong placements (median ?27.28 LPA) with interdisciplinary research in quantum computing and robotics through IITM’s Centre for Innovation. While Civil Engineering (SC cutoff: 1,324) offers lower placement traction (median ?17.73 LPA), its structural engineering research initiatives align with global infrastructure demands. Recommendation: Prioritize Mechanical Engineering for optimal balance of placement stability (core roles in automotive/manufacturing sectors) and research versatility, or Aerospace Engineering for niche opportunities in defense and space technology, leveraging IITM’s industry-academia partnerships and ?513 crore annual funding pool. All the BEST for your Son's Admission & a Prosperous Future!

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Ans: or CSE, Jaypee Institute of Information Technology (JIIT) Noida is generally considered a stronger choice than VIT Vellore, especially for placements and career prospects. JIIT Noida offers better placement statistics, higher salary packages, and stronger industry connections. While VIT Vellore has a good reputation and a strong alumni network, JIIT Noida's location in the Delhi NCR region also provides additional benefits.

Ans: Long Term Capital Gains (LTCG) can be adjusted to get exemption u/s 54-F, subject to following conditions :
01. Property being Constructed must be a Residential Property/House/Flat.
02. It is assumed that Constructed on property was started within one year before the LTCG.
03. Its Construction should be completed within 3 years from the date of Sale of Securities.
04. Full Sale consideration of LTCAs should be invested in Construction of Residential property.
Most welcome for any further clarifications. Thanks.

Ans: no data available, connect with kfintech for the right answer

Ans: Jio BlackRock Mutual Fund, a joint venture between Jio Financial Services and BlackRock, recently received SEBI approval to begin operations. While the fund house is new, BlackRock brings global expertise in asset management, and Jio Financial Services offers strong digital distribution capabilities.
Is It a Smart Move for Beginners?
Investing in a New Fund Offer (NFO) can be risky since there is no historical performance data to evaluate. Established mutual fund houses like HDFC AMC, SBI Mutual Fund, and ICICI Prudential have a track record of managing funds across market cycles. However, Jio BlackRock aims to democratize investing with low-cost, tech-driven solutions, which could be attractive for first-time investors

Ans: You are 39 years old, working with a multinational company. Your take-home income is Rs. 1.4 lakh per month. You are asking two questions:

Should I close my home loan using my matured PPF?

Are my investments on the right track?

Let us evaluate both in a detailed and professional manner. We will look at your finances from a full 360-degree view to help you take better decisions.

Present Financial Snapshot
Let us understand your current assets and liabilities first:

Take-home salary: Rs. 1.4 lakh per month

Home loan outstanding: Rs. 20 lakh (9 years completed)

Monthly EMI (assumed): Not mentioned, but likely Rs. 20,000–25,000

Monthly expenses: Rs. 30,000

Health insurance premium: Rs. 21,000 per year

Term insurance premium: Rs. 40,000 per year

SIP: Rs. 12,000 per month

ULIP: Rs. 25,000 per year (started in 2022 for 20 years)

PPF: Rs. 15 lakh (matured)

Mutual funds: Rs. 30 lakh

ESOPs: Rs. 30 lakh

Let us now analyse both your questions step by step.

Should You Close Home Loan Using PPF?
You have completed 9 years of a housing loan.

Only Rs. 20 lakh is left as balance.

PPF has matured and holds Rs. 15 lakh.

Your PPF is a safe and tax-free investment.

You should not use the full amount to close your home loan.

Here is why: Home loan gives tax benefits on both interest and principal.

It also helps you build your credit history.

Your EMI seems comfortable at Rs. 20,000 to Rs. 25,000.

Your net monthly surplus is very good after expenses and SIP.

Do partial prepayment of home loan only.

Use Rs. 5 lakh from PPF to reduce your loan balance.

This reduces your interest burden.

Keep Rs. 10 lakh in PPF for safety and emergencies.

Don’t close full loan now.

If you reduce loan tenure (not EMI), it saves more interest.

This way, you reduce interest and still keep benefits.

Don't touch the rest of PPF.

It can also act as emergency fund in job break, health issue or family need.

Full closure of home loan is not necessary if EMI is manageable.

Should You Continue or Surrender the ULIP?
You are paying Rs. 25,000 per year in a ULIP since 2022.

ULIPs mix insurance and investment in one product.

In the first few years, most of your money goes in charges.

They are very costly, and the returns are unpredictable.

You already have term insurance for pure protection.

ULIP is not needed.

You can surrender this policy immediately.

Reinvest the amount in mutual funds through SIP or STP.

This way, you get better returns with lower costs.

ULIP does not offer flexibility or goal matching.

Mutual funds give transparent performance tracking.

Avoid mixing insurance with investments in future.

Is Your Investment Strategy on the Right Path?
Let’s analyse your current investment portfolio from all sides.

1. Mutual Funds – Rs. 30 lakh

This is a strong amount for your age.

You are running a SIP of Rs. 12,000 monthly.

This shows discipline and long-term thinking.

Try to increase SIP yearly with salary hike.

Aim for Rs. 20,000 to Rs. 25,000 SIP monthly in next 2 years.

Invest in actively managed funds, not index funds.

Index funds only copy the market and don’t give extra return.

Active funds have fund managers to help beat inflation.

Also, avoid direct plan funds if used.

They may look cheaper, but offer zero guidance or review.

Use regular plan via Certified Financial Planner (CFP).

This gives ongoing support, rebalancing, and handholding.

Review your MF portfolio once in 6 months.

Keep mix of large cap, flexi cap and mid cap funds.

Avoid small cap if your goals are short term.

Long-term goals should drive your MF selection.

Keep 1 goal for each MF. Example: Retirement, freedom, child, etc.

This brings clarity and emotional discipline.

2. ESOPs – Rs. 30 lakh

ESOPs can create sudden wealth but are high risk.

They are linked to one company, your employer.

This is called “double risk”.

If your job and stock both go down, you face double pain.

Keep ESOPs within 20% of your total portfolio.

You already have Rs. 30 lakh in ESOP, and Rs. 30 lakh in MFs.

That’s a 50-50 split now.

Start selling some ESOP every year.

Move the money into mutual funds or debt funds.

This reduces risk and adds diversity.

Also, check tax rules before selling ESOPs.

Avoid waiting for maximum price or market timing.

Take money out slowly over 2–3 years.

Don't link your wealth to one company stock.

3. PPF – Rs. 15 lakh (matured)

You have done very well by holding PPF till maturity.

PPF is one of the best low-risk options in India.

Use only part of it for loan prepayment.

Keep balance for emergencies or future needs.

You can also open a new PPF again.

This helps save tax under Section 80C.

Use PPF as a safety cushion, not for aggressive growth.

4. SIP – Rs. 12,000 monthly

SIP is a good habit for wealth creation.

Increase it step by step every year.

Add Rs. 2,000–3,000 more every 6 months.

Your current income allows higher SIP.

But maintain balance between investing, EMI, insurance and life needs.

Insurance Coverage Assessment
1. Health Insurance

You are paying Rs. 21,000 per year.

Check if the cover is at least Rs. 25 lakh floater.

If not, take a super top-up plan.

Health expenses are rising faster than income.

Good insurance protects your savings and wealth.

2. Term Insurance

You are paying Rs. 40,000 yearly.

Ensure cover is 15 to 20 times your annual income.

Your income is Rs. 16.8 lakh yearly (1.4 lakh x 12).

So, term cover should be at least Rs. 3 crore.

If current cover is lower, take an extra policy.

Term plans are cheap and pure protection.

Don't delay increasing your coverage.

Suggestions for Future Financial Growth
Track your net worth every 6 months.

Maintain a monthly budget sheet to manage expenses.

Avoid luxury spending from bonuses or incentives.

Don’t buy any new real estate for investment.

Real estate locks money and gives poor flexibility.

Avoid F&O, crypto, or stock tips from social media.

These look exciting but destroy wealth silently.

Stick to your own goals and asset allocation.

Write your goals on paper – with amount and time.

Example: Rs. 2 crore for retirement by age 55, Rs. 40 lakh for child.

Link each investment to one goal.

This gives emotional connection and purpose.

Stay patient during market ups and downs.

Don’t stop SIPs during market fall. That’s when you get more value.

Meet a Certified Financial Planner every year to review.

Life changes. So should your plan.

Finally
Do not close your entire home loan using PPF.

Do partial prepayment with Rs. 5 lakh only.

Keep Rs. 10 lakh from PPF as emergency buffer.

Surrender your ULIP and shift to mutual funds.

Increase SIP step by step.

Reduce ESOP exposure to avoid risk.

Review term and health insurance coverage immediately.

Maintain goal-based investing using active mutual funds.

Avoid direct and index funds.

Keep meeting Certified Financial Planner every year.

This builds financial freedom, not just wealth.

You are already on a strong path. Just refine it smartly.

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