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Chandu

Chandu Nair  | Answer  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Jul 18, 2023

Chandu Nair advises entrepreneurs and enterprises about creating and building their business.
He has direct experience in angel, venture capital and strategic investor funding. Over the last three decades, he has made a name for himself in industry, consultancy, media and information services.
Nair is on the advisory boards of the Chennai-based private equity firm Fulcrum and the social impact fund, Menterra. He's an independent director on the board of India's first retail building products company, Shankara Building Products Limited.
He was the co-founder of Scope e-Knowledge Center, a pioneering knowledge process outsourcing company, as well as the co-founder of a business-to-business e-commerce venture, both of which he successfully exited.... more
Asked by Anonymous - Jul 18, 2023Hindi
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Thank you sir and please brief upon the govt grants with timelines which we feel will differ from online generic matter , every case like our being very different. We’ve come up with lots of PoCs already using our friends n family initial seeding (they’re found working still after 4 years of ruggedised usages ) They being foundation stones , chips and metals can simply exhibit what our high end products can offer to all stakeholders. With many of those numerous prototypes already piloted in known circle, can they be used to exhibit the robustness and ROI to all potential investors? and what are additional steps( although they’ve to be funded now externally as we’re exhausted) Currently we’re putting last of our resources in developing another domain ie EV chassis and full 2-3-6 wheelers which are already up and running in workshops. Similarly for other domain products already tested over 4 years span… Once funded and ruggedised, we’re ready to spin-off likes of these particular entities, each in different domain. Kindly help as feasible

Ans: I have given you very specific answers. Based on your location/ sector of immediate focus, you have to research and find out which incubators are suitable for you. Or which specific scheme is relevant.
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Chandu

Chandu Nair  | Answer  |Ask -

VC, Angel Investing, Entrepreneurship Expert - Answered on Jul 18, 2023

Asked by Anonymous - Jul 17, 2023Hindi
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dear sir, we’ve based our product startup companies( ie Ltd&LLP all certified with DPIIT…) based on innovations and mostly hardcore inventions, some of which are internationally awarded and patented. almost all of our products carry some or other innovations in true sense not just trendy hype… From medical domain, home furnishings fitments to VVIP security or defence and more, we’ve game changing innovations in most products. sir , before we seek VC,Angels investors, we want to build ready POCs for spinning off, domain specific firms since private investors would want a profitable and viable setup for definite ROIs; ie we wish to have either govt/Philanthropic grants based on innovations and potential future ROI… ( We want to concentrate and rather assert our selves, on real value adding products for benefit of all stakeholders , not just making profits… in one line, we wish to act independently without reporting to investors targeting profits than products value creating innovative checklists… atleast before we come out with sellable MVP on shelf market realities. initial seeding has totally exhausted our savings, assets sold and even working capital. we cant just stick to just 1 product due to the whole ecosystem designed around each and hence interdependent just like links in chain. We’ve huge potential even in space domains where we can even help isro drdo to excel further( although we’ve not dared to do POCs due to obviously resources crunch …) Kindly guide us to get ourselves govt/philanthropical grants of order 45L onwards so that we can switch ON the sales marketing and kickstart the giants propeller engines alike huge ships to start the immense potential voyages , with deserving stakeholders onboard. working capital needs of order of 50xL is of prime importance /criticality. thank you for your time. BR, founders Chandra kpchandra49 at gmail NB kindly share your contact emails or ping us directly referencing this page’s online matter
Ans: The Government of India has certain grant schemes for start-ups. Visit https://www.startupindia.gov.in/ to get details. I think there are over 20 funding schemes. Certain State governments too have innovation voucher or other start-up assistance programmes. See what suits your needs.

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Asked by Anonymous - Jan 03, 2025Hindi
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Hi, I’m a second year undergraduate student, and my friend told me about the CUET PG exam . Honestly, I’m still a bit confused about what exactly this exam is for. Is it just for admissions into central universities, or do private and state universities also accept CUET PG scores? I want to pursue my master’s degree, but I’m not sure if this is the right exam for me or if there are other options I should consider. Could you please explain the purpose of CUET PG and how it works?
Ans: Dear Student,

It's great that you're thinking about your postgraduate options early on in your undergraduate degree. The CUET PG exam is indeed a significant one for students in India, and it's good you're seeking clarity. Let me break it down for you:

What is CUET PG?

CUET PG stands for Common University Entrance Test (Postgraduate). It's a national-level entrance exam conducted by the National Testing Agency (NTA) for admissions into various postgraduate programs. Think of it as a gateway to higher education after your bachelor's degree.

Who Accepts CUET PG Scores?

You're right to ask about the scope of this exam. Primarily, CUET PG scores are used for admission to Central Universities across India. However, its reach is expanding. Many State Universities and even some Private Universities have also started accepting CUET PG scores for their postgraduate programs. This means a wider range of options for you based on your performance in a single exam.

Is CUET PG Right for You?

Whether CUET PG is the "right" exam for you depends on where you want to study and what you want to study.

• If you're aiming for a Central University, CUET PG is essential.
• If you're considering State or Private Universities, check if they accept CUET PG scores. This information is usually available on the university's admission website or the CUET PG information bulletin.

Other Options to Consider:

While CUET PG is a major exam, there are other options depending on your chosen field:

• University-Specific Entrance Tests: Some universities, especially well-established ones, might conduct their own entrance tests in addition to or instead of CUET PG.
• National-Level Exams: For certain fields like management (CAT, XAT), engineering (GATE), or pharmacy (GPAT), there are specific national-level exams.

How CUET PG Works:

• Exam Format: CUET PG is a computer-based test (CBT) with multiple-choice questions (MCQs).
• Syllabus: The syllabus generally covers subjects you've studied in your undergraduate program.
• Scoring: You'll receive a score based on your performance, which you can then use to apply to participating universities.
• Counseling: Each university will have its own counseling process based on CUET PG scores.

My Advice:

1. Explore Your Interests: Decide on the specific master's program you want to pursue. This will help you narrow down your university options.
2. Research Universities: Make a list of universities offering your desired program and check their admission criteria, including whether they accept CUET PG scores.
3. Check CUET PG Eligibility: Ensure you meet the eligibility criteria for CUET PG, which usually involves having a bachelor's degree in a relevant field.
4. Prepare Strategically: If you decide to take CUET PG, start preparing early and focus on the syllabus relevant to your chosen program.

I understand the importance of making informed decisions about your education. I hope this explanation helps you understand CUET PG better.

...Read more

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Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Asked by Anonymous - Jan 03, 2025Hindi
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I have invested in ICICI Prudential Nifty 50 index SIP. I have noticed that from past 6 months the fund is not performing. Should I keep this fund or liquidate and invest in in multi asset fund?
Ans: The ICICI Prudential Nifty 50 Index Fund replicates the Nifty 50 index. It is a passive fund that mirrors the index performance. The last six months have been volatile for the stock market, which has affected index funds. This is expected in short-term market conditions and does not reflect the long-term potential of index-based funds.

However, relying on index funds for wealth creation in volatile markets may not always be optimal. Active funds offer the flexibility of stock selection, better risk management, and potential for higher returns.

Why Active Funds May Be a Better Choice
Volatility Management: Active fund managers adjust the portfolio based on market trends. This flexibility helps during volatile times.

Higher Growth Potential: Actively managed funds can outperform index funds by investing in sectors and stocks with higher potential.

Diversification: Multi-asset funds allocate across equity, debt, and other asset classes. This reduces risk and provides stability.

Assessing Your Current Investment
Index Fund Performance: While the last six months may seem disappointing, index funds are designed for long-term investors.

Cost Factor: Index funds have lower expense ratios but lack active management during market fluctuations.

Active vs Passive: Actively managed funds are better during periods of market instability. They offer professional stock selection and sector rotation.

Benefits of Multi-Asset Funds
Balanced Portfolio: Multi-asset funds invest in equities, bonds, and gold, diversifying your investment.

Risk Mitigation: Allocation to multiple asset classes reduces portfolio volatility.

Stable Returns: These funds aim to provide consistent returns, even during volatile markets.

Suggested Action Plan
Reevaluate Goals: Align your investment decisions with your financial goals and risk tolerance.

Shift to Active Funds: Consider shifting from the Nifty 50 index fund to an actively managed multi-cap or multi-asset fund.

Monitor Performance: Choose funds with a strong track record and consistent performance across market cycles.

Consult a Certified Financial Planner: A planner can help you select the right actively managed funds and align your investments with your financial plan.

Final Insights
While index funds like ICICI Prudential Nifty 50 are suitable for passive investors, active funds offer an edge in volatile markets. Shifting to a multi-asset or actively managed fund may help you achieve better returns and stability.

Invest wisely, monitor regularly, and stay disciplined to maximise your wealth creation journey.

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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