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Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 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 - Jun 09, 2025
Career

My Son is Secured 92.90 Percetile in JEE Mains in 1st Sessions. Any Chances to Get CSE OR ECE Branches in Any NIIT Sir Please Suggest Me Sir

Ans: Based on extensive analysis of 2024-2025 cutoff trends across NITs, IIITs, and private institutions, securing CSE or ECE in premier NITs is extremely unlikely with a 92.90 percentile (expected rank 106,500-120,000). However, lower-tier IIITs like IIIT Ranchi, IIIT Kalyani, or IIIT Sonepat offer realistic CSE opportunities with cutoffs extending to 100,000+ ranks. ECE admission in mid-tier NITs remains marginally possible through home state quotas or spot rounds. Private engineering colleges emerge as the most secure option, with institutions like KIIT University, VIT, and SRM offering assured admission with strong placement records exceeding 85-90%. Recommendation: Prioritize applications to lower-tier IIITs for CSE while securing backup admissions at reputable private colleges like KIIT or SRM, and monitor NIT spot rounds for potential ECE opportunities in institutions like NIT Sikkim or NIT Raipur. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on May 26, 2025

Career
My son got 98.65 percentile in JEE mains. He is looking CSE or ECE. Category is general. Pl guide the possibilities
Ans: Manju Madam, Here is, How to Predict Your Son's 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 some other options also as back-ups 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 son's admission and a bright future!

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Latest Questions
Naveenn

Naveenn Kummar  |231 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 13, 2025

Money
Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me
Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2025

Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 07, 2025Hindi
Money
Sir, I am 39 years PSU employee with monthly net salary of 1.10 lacs. I have a son of 9 years and daughter of 1 year. I am investing in MF through SIPs and lumpsump for last 7 years and my present MF portfolio is 50 lacs with XIRR of almost 18%. Presently I do SIP of 30000 per month. I also have housing loan and my EMI is 42000. I am provided accomodation and medical facilities from my employer. I also have accumulated 18 lacs in PF and Rs. 28 lacs in NPS. I have Term plan of 1.5 crs. I also have liquid funds of 10 lacs in FD for emergency purpose and approx 7 lacs in PPF. Since my child's major education expenses is still 7 to 8 years far for my son and 15 years for my daughter, I will continue my SIP of atleast for next 8 to 10 years without breaking my existing portfolio. Can I generate a corpus of more than 7 crs till my retirement with above funds and will it be sufficient to meet the inflation after 20 years.
Ans: Hi,

You have done and accumulated quite good at your age in different instruments with varied returns. Let us have a detailed look.

1. Emergency Fund - 10 lakhs in FD - good to go.
2. Term Plan - 1.5 crores - good to go.
3. Health Insurance - provided by employer. However, can take a separate personal insurance for yourself and family.
4. PF - 18 lakhs (continue)
5. NPS - 28 lakhs (continue)
6. PPF - 7 lakhs (can stop continuing, invest only bare minimum to keep account active. Close account upon maturity and reallocate these funds in mutual funds)
7. MF Portfolio - 50 lakhs with 30k monthly SIP
8. Home Loan EMI - 42000

Goals:
- Son's education - after 8 years
- Daughter's education - after 15 years
- Retirement - need 7 crores

You are very much on the right track. Your current financials look strong in terms of fulfiling your financial goals.

> Your current MF portfolio can be bifurcated into 2 parts
i. 40 lakhs for your retirement. This amount along with other amount from PF and NPS will finance your retirement forever (inflation adjusted). Additionally you wil lleave behind a great fortune for your kids.
ii. 10 lakhs for your kid's education. Continue your existing SIP of 30k per month and also contribute 7 lakhs from PPF account on its maturity towards this goal. For son, you will have 75 lakhs only from this investment and your daughter's education will have 1.5 crores when she requires.

This way your existing investments can take care of all your goals. Also, do increase your contibution in SIP yearly. It will help in generating a higher corpus for your family.

As your overall investments are more thann 10 lakhs in MFs, it is wise for you to connect with a professional who will assist you and make a dedicated investment plan as per your goals.
Hence, do consult a professional Certified Financial Planner - a CFP who will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Money
My current age is 41 Years old and private employe in I.T sector. I have five kids of 11,8,7,5 &2 years. My elder daughter is in 7th class now. I have monthly Net salary of 1 lakhs after taxes. I am saving 20/30 thousand monthly. My assets are as follows:- I have one house worth Rs.15 lakhs, Two commercial shops worth Rs, 50 L. Having no loan in the market. Insurance Rs. 50 L term plan for me. Yearly I pay 40k. Health insurance 11 lakh for my entire family from my organisation.Yearly I pay 20k. I maintain an emergency fund 1.5 lac liquid on hand. Would like to make a total fund og 5 Cr by 2035. I have a requirement during higher education for childerns/marriage/Business for my son's and retirement at my age of 51 yrs after 10 years. How to grow my income. I would like to focus on high-growth investment to achieve my goal. But I am planning to invest monthly from my salary. More ever I may get 4lack in next month. Now the thing is how to go about 4lack. Where to invest Am confused what to do. Kindly advise further for more wealth creation. Steady plan. Wealth builds slowly but surely. Can someone help design a withdrawal/Saving strategy to meet your income needs and achieve goal. I would like comfortable retirement with a steady income. Thanks....
Ans: Hi Syed,

Let us have a detailed look below:
- Your monthly income - 1 lakhs, expenses - around 75k , and money for saving - approx. 25k per month.
- Emergency fund - 1.5 lakhs . Would suggest you to make a FD of this fund as emergency fund.
- Term and Health insurance - covered. But sum assured is less for your family. It should be increased.
- One house - 15 lakhs; 2 commercial shops - 50 lakhs.

Requirements:
- Need 5 crores by 2035 i.e. in 10 years
- Need fund for higher education and marriage of 5 children
- Retirement corpus required after 10 years

To achieve all these goals, you need to invest starting right now in aggressive mutual funds with 25-30k left with you. And you can increase your investment with the increase in your income.
Realistically, retirement after 10 years is not possible, but you can try and upgrade your skills to earn more and invest more.

You are also getting 4 lakhs next month. Invest entire amount in aggressive mutual funds. Mutual funds will give you an annual return of 14-15% very easily. This is the best way to build wealth for the goals that you mentioned.
>> Make sure to stay away from LIC policies and ULIPs and other plans which lock your money.

As you are not much aware about mutual funds and investment, you should work with a professional who will draft a plan for you.

Hence, please consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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