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Confused student seeking advice: SYMBIOSIS Nagpur vs. NMIMS Bangalore vs. MIT Pune?

Patrick Dsouza |919 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jul 09, 2024

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Question by Harshita on Jun 28, 2024Hindi

Career

I have secured admission in SYMBIOSIS Nagpur, NMIMS Bangalore, MIT Pune. Can you please help me that which should I choose?

Ans: NMIMS Bangalore would give you better placements as compared to the other two.

You may like to see similar questions and answers below

Nayagam P P |4033 Answers |Ask -Follow

Career Counsellor - Answered on Jun 20, 2024

Asked by Anonymous - Jun 20, 2024Hindi

Career

Dear sir MIT - WPU pune - CSE branch and Symbiosis institute- pune CSE branch . Which one to choose .

Ans: Prefer SYMBIOSIS over MIT-WPU. All The BEST. To know more on ‘ Careers | Education | Jobs’, please ask / FOLLOW me in RediffGURU here.

Latest Questions

Ramalingam Kalirajan |7485 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 10, 2025

Question by bala - Jan 10, 2025Hindi

Money

Hi Sir , I have taken jeevan anand policy in 2005 with paying term 20 years but date of maturity showing as 2082 ( 100 years of life) means I can get money after 2025 completed else I will get maturity amount in 2025, please let me know

Ans: You hold a participating insurance policy with dual benefits: life cover and maturity payout.

The policy term is until age 100, ensuring lifelong coverage.

Your premium-paying term is 20 years, ending in 2025.

You will receive a maturity payout in 2025 if you choose.

Alternatively, you may keep the maturity amount invested in the policy.

If kept invested, benefits accumulate until policy maturity or claim.

Key Aspects to Evaluate
Life Coverage Beyond 2025
Post-2025, the policy continues to provide life cover until age 100.

The sum assured ensures financial security for your dependents.

Maturity Amount Usage
The payout in 2025 can address your financial goals.

Retaining the maturity amount earns additional bonuses over time.

Cost-Effectiveness of Continuing
Premium payments cease after 2025, reducing financial outflow.

Assess the policy's bonus and return rates for future benefits.

Assessing Financial Goals
Immediate Needs
Review current financial priorities like retirement planning or liabilities.

The maturity amount can supplement other investments.

Long-Term Growth Opportunities
Retaining the policy boosts long-term returns due to ongoing bonuses.

Consider the tax efficiency of keeping the maturity amount invested.

Alternative Investment Avenues
Evaluate reinvestment in mutual funds for potentially higher returns.

Active funds with a Certified Financial Planner's guidance can outperform.

Regular funds through an advisor ensure tailored advice and discipline.

Insurance Versus Investment
Dual-purpose policies often underperform as pure investments.

Standalone insurance offers better coverage at a lower premium.

Mutual funds provide transparency, liquidity, and targeted growth.

Tax Implications
The maturity payout is tax-free if premiums are below 10% of the sum assured.

Keeping the policy active beyond 2025 avoids tax on continued bonuses.

Evaluate the tax efficiency against returns from other instruments.

Recommendations
For Policyholders Like You
Continue with the policy until 2025 for the full maturity benefit.

Post-2025, decide based on returns and financial needs.

Consult a Certified Financial Planner for optimizing maturity usage.

If Considering Policy Surrender
Reinvest surrendered funds in diversified mutual funds.

Seek active management for consistent, tax-efficient growth.

Final Insights
Your policy secures lifelong coverage and a guaranteed payout in 2025.

Retaining the policy beyond 2025 can maximize accumulated benefits.

Reinvesting in well-managed mutual funds may deliver superior growth.

Ensure alignment with your long-term financial goals and family security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Archana Deshpande |95 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi

Career

Hello, I’m a teacher in Chennai, and over the years, I’ve built a solid reputation among my students and colleagues. However, despite the satisfaction I get from teaching, my current pay is not enough to meet my financial goals or to support my long-term plans. I’ve been considering transitioning into corporate training because I’ve heard that it can be more financially rewarding, but I’m not sure how to take this forward. I’m thinking of investing in online courses that specialise in corporate training, but I’m hesitant. I’m not sure if it’s worth the time, money, and effort, especially since I’ve already put a lot into my teaching career. How do I evaluate if making this switch is a good decision? Would my experience as a teacher actually help me in corporate training, or will I have to start from scratch? Should I look for a mentor in this field before making the leap? Any advice would be greatly appreciated!

Ans: Hi!!
It is so heartening to see this statement of yours," solid reputation among my students and colleagues". I feel that you need to build a solid foundation on all the set skills that you currently have. Not everyone can earn the respect of students ...especially in today's world. Consolidate on this... put in a psychology course/ degree and anything else that can solidify your existing skills!
People are ready to invest in their children, always remember this.....If financial goals is an issue, you can switch to a school where the salary is good, good teachers are in great demand. Collect a lot of testimonials from parents and students before you switch. Demand the salary that you deserve. For earning extra income you can start classes, one of my friends earns in crores just by lending extra help to students .As a teacher you know where the gap exists in our educational system, see if you can fill this gap, see what you can offer and make money.
I am investing a lot of time on this aspect of you because you said that you are actually good at it and that you enjoy doing it, not everyone can say this about their work. It is a matter of time you monetize what you love doing ....groom yourself well, look like a powerful person and demand the salary you think you deserve. Learn to invest your money well and let money work for you. Think of opening your own school.

I am a personal coach as well as a corporate trainer, it a crowded place here too, your experience as a teacher will definitely come in handy ,but you will require additional training for becoming a corporate trainer no doubt about it, it builds credibility. It is hard work, it takes time, energy, certification and constant learning in order to be sought after corporate trainer and demand that kind of money. If you are a go getter, smart, well groomed, confident in your verbal communication and in planning your sessions well, then go for it...else..you said it, "I've already put a lot into my teaching career", consolidate on this!! Lots of schools are investing in training teachers as well as students, go for that or you can come to me we can have chat together and then you can take the leap forward in whatever direction you feel like taking. Whatever you decide it has to be a well thought out decision!

Hope this helps...may wisdom be on your side..TC!

Samraat Jadhav |2156 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi

Money

As a prospective investor, I’m trying to balance these factors: does the flat sequential growth reflect a temporary phase that might correct itself in subsequent quarters, or could it point to broader challenges within the IT industry that might persist? Additionally, with IT stocks typically being sensitive to global economic trends and client spending patterns, would it be wiser to invest now, leveraging the strong order book as a growth indicator, or should I wait for clearer signals of sustained performance and recovery in discretionary spending?

Ans: It's great that you're carefully considering these factors before making an investment decision. Let's break down each aspect:

Flat Sequential Growth
Flat sequential growth in the IT sector could be due to a variety of factors, including macroeconomic challenges, cuts in discretionary spending, and delays in decision-making. While some analysts believe this could be a temporary phase with a potential rebound in subsequent quarters, others caution that it might reflect broader, more persistent challenges.

Global Economic Trends and Client Spending Patterns
IT stocks are indeed sensitive to global economic trends and client spending patterns. A strong order book can be a positive indicator, but it's essential to consider the broader economic environment. If global economic conditions improve and client spending increases, IT stocks could see significant growth.

Invest Now or Wait?
Investing now with a strong order book as a growth indicator could be a good move if you believe in the sector's resilience and potential for recovery. However, if you prefer to wait for clearer signals of sustained performance and recovery in discretionary spending, it might be wise to hold off until there's more certainty.

Ultimately, the decision depends on your risk tolerance and investment horizon. If you're comfortable with some level of uncertainty and believe in the sector's long-term potential, investing now could be beneficial. If you prefer a more cautious approach, waiting for clearer signals might be the better choice.

Samraat Jadhav |2156 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi

Money

Given that Tata Elxsi is part of the IT sector, how should investors interpret the recent drop in its market value? Is this decline indicative of a broader issue affecting the IT industry as a whole, or could it simply be a short-term fluctuation influenced by market dynamics? Considering the potential risks and opportunities, would it be prudent for investors to maintain their current positions, or should they reassess their strategy in light of the current market conditions?

Ans: IT as an Industry is very much depended on exports from US and EU and both these economics are in a huge economic crisis since covid and they are utilizing all their efforts in building it, which obviously will take time. Following are the parameters why Tata Exlsi does not make an idea for investing:
1) PE higher than Industry PE
2) Expensive Valuation
3) Degrowth in Revenue, Profits and Operating Profit Margin in recent results (QoQ)
So it makes sense in reassessing the strategy as the business dynamics have changed.

Prof Suvasish Mukhopadhyay |285 Answers |Ask -Follow

Career Counsellor - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi

Career

I am a 40 year old with a family of 6 . I am 12th grade pass with good knowledge of computers. i have been working in a manufacturing unit for last 20 years but the company has closed business recently. know I am jobless at the most crucial stage of my life . What do i do know ?

Ans: Since your qualification is not adequate it is really difficult to explore other sectors. You are having experience in manufacturing sector. So I would suggest you to try in other manufacturing sectors. Because practical knowledge doesn't have a substitute. How your knowledge of computer can be used? You can take some tuitions for teaching the basics of Computers. Best of luck. Just follow me. May God Bless You. Professor..........................................:)

T S Khurana |285 Answers |Ask -Follow

Tax Expert - Answered on Jan 10, 2025

Question by Prashant - Jan 10, 2025Hindi

Money

I retired after service of 34 years. I confused for how to calculate average salary of last 60 months. Should I keep Rs. 15000 cap for each month or on final 60 months' average. If I calculate total of salaries of last 60 month and divide that total by 60, it comes out more then 15000. But if I keep each salary maximum up to 15000, in which for few months the salary is less then 15000, so average of 60 comes less then 15000 Please clarify

Ans: I am not sure for what purpose you want to calculate average salary of 60 months. I feel it is not required any where. However, if you still wants to calculate the same, you will have to add 60 month's salary & then divide it by 60 to get the exact figure (as worked out by you as Rs.15,000.00).
Most welcome for any further clarifications. Thanks.

T S Khurana |285 Answers |Ask -Follow

Tax Expert - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi

Money

Recently IT department issued direction to show/ declare foreign assets in IT return. In my case I have invested in MON100( Motilal Oswal Nasdaq 100). This is an ETF which is a bunch of foreign companies. I requested my CA to upload such detail in FA column in ITR 2. There is a schedule to mention the detail, but my CA is unable to understand and he says that you have not directly invested in foreign asset rather Motilal lal Oswal has invested. So don't take tension. Further different types of details are needed such as TAN etc due to which it is difficult to fill up that colum of Schedule FA. Is my CA correct?

Ans: You have invested in Mutual Funds of an Indian company, who deals in foreign investments. You don't have any foreign bank account or investment in any foreign company, as such you need not bother. Your CA seems correct in this respect.
Most welcome for any further clarifications. Thanks.

T S Khurana |285 Answers |Ask -Follow

Tax Expert - Answered on Jan 10, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Money

I want to finance my daughter with Rs 40 lacs for the purchase of house. What are the tax liabilities on me and on my daughter? Both of us are tax payers.

Ans: You can make a Gift to your daughter of any amount, without attracting any Income Tax implications for both of you. Please ensure to route this transaction through banking channels only. Much better, if you prepare a gift deed also.
Most welcome for any further clarifications. Thanks.

Prof Suvasish Mukhopadhyay |285 Answers |Ask -Follow

Career Counsellor - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi

Career

What career opportunities are available for someone specializing in Hindi literature, and how can higher studies in this field help secure academic or professional roles?

Ans: First let me know your qualification, then I will be able to guide you. Best og luck. Just follow me. May God Bless You. Professor....................................................:)

Asked on - Jan 10, 2025 | Answered on Jan 10, 2025

Thank you, Professor, for your kind response. I hold a bachelor's degree in Hindi literature, and I am now considering pursuing a master's in the same field. Could you please share more insights on the specific academic or professional roles that can be pursued with advanced studies in Hindi literature, and how can I enhance my chances of securing these roles after completing my higher education?

Ans: Hindi is the most respected language in India and even out of India Indians are very comfortable in Hindi. I would suggest you to do not only MA in Hindi, but also Ph.D in Hindi. There is severe crunch of professors of Hindi language in the colleges and the universities. You may not be knowing, after Ph.D with overseas scholarship you can do PDF in Hindi from other countries. Once you start higher education please reach the end i.e. Ph.D. I assure you a bright future is waiting for you. Please don't end up with a clerical job only with graduation. This is the time when you need to take correct decisions. CORRECT DECISION IS MORE IMPORTANT THAN HARDWORK, BECAUSE IT'S THE DECISION WHICH DECIDES YOUR DESTINY. I am always there for all of you. MAY GOD BLESS YOU. Professor......................:)

Anu Krishna |1435 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 08, 2025Hindi

Relationship

My friends husband is having an extra marital affair since last 5 years. Now as it is known to her. He feels sorry and wants to come back. But the involved lady gives him suicidal threats. How to manage things?

Ans: Dear Anonymous,
Something always comes to bite, right?
Your friend and her husband now must be on the same team to tackle this situation. Obviously, the other lady is hurt and possibly wants her revenge...the only way she thinks is through this blackmail. Your friend's husband must deal with this with butter fingers and slowly ease out of the other relationship but for that he is going to have to spend time talking and managing her emotions so that she does not resort to extreme steps.
For this to happen, your friend is going to have to support her husband; will she be willing to do that after what she's gone through? I know it's a lot to ask a lady whose husband has cheated her, but if she has decided to accept her husband's position and wants the marriage, the couple can approach this together and save the marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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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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