Which NITs can I get CSE in with 99.17 percentile?

Ans: I understand how weight gain and inconsistency in workouts can affect confidence. The key to sustainable weight loss and a healthier lifestyle is consistency, mindful movement, and balanced eating.

1. Start with Simple, Sustainable Yoga Practices
Since gym workouts feel difficult to sustain, yoga is a great alternative! It improves flexibility, tones the body, and reduces stress, which can help with weight loss.

? Surya Namaskara (Sun Salutations) – 6 to 12 rounds daily for full-body activation.
? Tadasana (Mountain Pose) – Improves posture and confidence.
? Bhujangasana (Cobra Pose) – Strengthens back and reduces belly fat.
? Virabhadrasana (Warrior Pose) – Tones legs and improves stamina.
? Setu Bandhasana (Bridge Pose) – Helps with belly fat and digestion.

2. Pranayama & Meditation for Stress Control
Stress can lead to weight gain. Try:
? Kapalbhati – Aids digestion and burns calories.
? Anulom Vilom – Balances energy and improves focus.
? Meditation – Builds self-confidence and discipline.

3. Balanced Eating Habits
Eat fresh, home-cooked meals. Avoid processed foods and sugar.
Stay hydrated with 2-3 liters of water daily.
Eat smaller portions but more frequently.
4. Stay Active Beyond Yoga
Walk for 30 minutes daily.
Use stairs instead of elevators.
Stand and stretch every hour if you work long hours sitting.
5. Stay Accountable with a Yoga Coach
A structured approach under a coach will keep you motivated and help you stay consistent.

With patience and dedication, you’ll lose weight, feel confident, and look younger! Start today—your body and mind will thank you.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: Understanding the Investment Option
? Jannivesh is a mutual fund SIP plan offered by a fund house.

? It helps investors invest regularly in a disciplined manner.

? It may include equity or hybrid mutual funds based on the scheme structure.

? SIP investment is a good way to average cost and manage market volatility.

Assessing the Fund Category
? Before investing, check if the fund is large-cap, mid-cap, small-cap, or hybrid.

? Large-cap funds offer stability with moderate returns.

? Mid-cap and small-cap funds can deliver high returns but are riskier.

? Hybrid funds provide a mix of equity and debt for balanced growth.

Performance and Returns
? Past returns give an idea of how the fund has performed in different market conditions.

? A fund with consistent long-term performance is better than one with short-term high returns.

? Compare the fund’s returns with its category average and benchmark index.

? Analyse risk-adjusted returns using standard deviation and Sharpe ratio.

Expense Ratio and Fund Management
? The expense ratio affects the net returns earned by an investor.

? A lower expense ratio means higher take-home returns.

? Check if the fund manager has a strong track record.

? A well-managed fund can deliver better risk-adjusted performance.

Tax Implications
? If the investment is in an equity mutual fund, LTCG above Rs 1.25 lakh is taxed at 12.5%.

? STCG (for holdings less than one year) is taxed at 20%.

? If it is a debt mutual fund, LTCG and STCG are taxed as per your income slab.

Investment Suitability
? If you are looking for long-term wealth creation, choose a fund with good growth potential.

? If you want low risk, consider adding large-cap or hybrid funds.

? The fund should match your risk tolerance and financial goals.

? Diversification across multiple categories is important for balanced returns.

Final Insights
? Jannivesh SIP can be a good investment if the fund selection aligns with your goals.

? Check the fund category, past performance, expense ratio, and risk factors.

? Compare the fund with other similar funds before investing.

? Diversify your portfolio to reduce risks and improve returns.

? Always review your investments annually to ensure they remain aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: Your portfolio is well-structured, but it needs some improvements for better diversification and risk management. Let us evaluate your investment choices and suggest necessary changes.

Asset Allocation and Risk Analysis
? Your portfolio is heavily tilted towards small-cap and mid-cap funds.

? Small-cap and mid-cap funds can offer high returns but come with high volatility.

? You need some large-cap exposure for stability.

? A balanced portfolio should have a mix of large-cap, mid-cap, small-cap, and flexi-cap funds.

? Adding more flexi-cap or large-cap funds will reduce downside risks.

? Since you are a government employee, a moderate risk approach is better.

? Continue investing with a long-term view, but rebalance yearly.

Diversification Assessment
? Too many funds in the same category – Your portfolio has multiple small-cap and mid-cap funds.

? This leads to overlap in holdings and does not add extra benefit.

? A well-diversified portfolio should have different fund categories for better risk-adjusted returns.

? Consider reducing exposure to similar funds and adding more large-cap or balanced funds.

? Having a mix of growth and value-oriented funds will help in different market conditions.

Step-Up SIP Strategy Evaluation
? A 10% yearly step-up is a great strategy to increase investments.

? This helps in compounding wealth faster and maintaining purchasing power.

? Ensure your future income growth supports this step-up.

? If required, you can reduce the step-up percentage based on your financial commitments.

Portfolio Rebalancing Recommendations
? Reduce overlapping funds – Having multiple funds in the same category does not provide extra benefits.

? Increase large-cap allocation – This will reduce portfolio volatility and provide steady growth.

? Retain some flexi-cap exposure – This allows fund managers to shift across market caps.

? Consider a balanced approach – A mix of large-cap, mid-cap, small-cap, and flexi-cap will be better.

? Review performance every year – Ensure that all funds are meeting your expectations.

Final Insights
? Your investment approach is disciplined, but some adjustments are needed.

? Reduce the number of overlapping small-cap and mid-cap funds.

? Add large-cap funds for stability and risk management.

? Continue with step-up SIPs, but adjust based on financial conditions.

? Review your portfolio once a year to ensure proper asset allocation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: SBI Contra Fund is a value-oriented fund that invests in undervalued stocks. It has the potential to generate long-term capital appreciation.

Now, let us compare the Regular Growth and Regular Dividend options.

1. Regular Growth Option
? Profits are reinvested – Your returns are compounded over time.

? Better for long-term wealth creation – Helps in accumulating a larger corpus.

? No dividend payout – You do not receive periodic cash but benefit from capital growth.

? More tax-efficient – You only pay tax when you redeem the units.

? Best for long-term investors – Suitable if you do not need regular income.

2. Regular Dividend Option
? Dividends are paid periodically – You receive payouts at irregular intervals.

? Not guaranteed – Dividends depend on the fund’s performance.

? Slower growth – Your investment does not compound as well as in the growth option.

? Less tax-efficient – Each dividend is taxed as per your income slab.

? Suitable for those needing periodic income – Better for retirees or those seeking cash flow.

Which One is Better?
If you want higher long-term returns, go for the Regular Growth option.
If you need periodic income, choose the Regular Dividend option.
However, the Growth option is better for most investors. It helps in wealth accumulation and tax efficiency.


Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: You have built a well-structured portfolio. Your long-term investment vision is truly appreciable. Staying invested for 20 years can create substantial wealth.

However, your portfolio has too many funds. Some categories are overrepresented. A streamlined approach will improve efficiency.

Let us assess diversification, risk, and rebalancing needs.

Portfolio Composition and Risk Analysis
Total Monthly SIP Investment: Rs 39,500

Portfolio Breakdown:

Large Cap – 1
Mid Cap – 3
Small Cap – 1
Flexi Cap – 2
Multi Cap – 1
Value Fund – 1
Sectoral/Thematic – 1
Emerging Businesses – 1
Risk Exposure:

High allocation to mid-cap funds increases volatility.
Small-cap and sectoral funds add further risk.
There is minimal large-cap exposure for stability.
Portfolio needs better balance to handle market downturns.
Fund Overlap Issues:

Multiple mid-cap funds reduce diversification benefits.

Two flexi-cap funds may invest in similar stocks.

One sectoral fund limits flexibility and increases concentration risk.

Key Areas That Need Improvement
Too Many Mid-Cap and Small-Cap Funds
Mid and small caps offer high growth but come with high volatility.

More than 50% of your portfolio is exposed to these categories.

This increases risk, especially during market downturns.

Limited Large-Cap Exposure
Large-cap funds provide stability and steady returns.

Only one large-cap fund in the portfolio is not enough.

Increasing large-cap allocation will improve resilience.

Sectoral Fund Increases Risk
Sectoral and thematic funds focus on one industry.

They are highly risky and depend on sector performance.

A diversified approach is better for long-term wealth creation.

Multiple Overlapping Funds
Three mid-cap funds are unnecessary.

Two flexi-cap funds may have similar stock holdings.

A focused approach will improve overall returns.

Suggested Portfolio Adjustments
? Reduce Mid & Small Cap Exposure

Retain only one or two mid-cap funds.

Retain only one small-cap fund.

Reduce SIP amounts in these categories.

? Increase Large-Cap Allocation

Add another large-cap fund for better stability.

Large-cap exposure should be at least 30% of the portfolio.

? Avoid Sectoral and Thematic Funds

Sector-based investments increase concentration risk.

A well-diversified fund is a better option.

? Consolidate Overlapping Funds

Keep only one or two flexi-cap funds.

Retain only one multi-cap or value fund.

? Introduce a Hybrid or Debt Fund for Stability

Adding a hybrid or debt fund will reduce volatility.

This will ensure capital protection in bad market phases.

Will This Portfolio Help You Reach Your 20-Year Goal?
Your disciplined SIPs will create substantial wealth.

If markets perform well, your goal is achievable.

A proper asset allocation strategy is needed.

Risk management will be crucial for long-term success.

Future Investment Plan
? Review Portfolio Every 2-3 Years

? Increase Large-Cap and Hybrid Allocation Gradually

? Reduce Sectoral and Overlapping Funds

? Ensure Liquidity for Emergency Needs

? Follow a Disciplined Investment Approach

Final Insights
Your long-term investment approach is excellent. With minor changes, your portfolio can be more efficient. A balanced allocation will ensure both growth and stability.

By making these adjustments, you can stay on track for wealth creation. A well-diversified portfolio will protect you from market fluctuations.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: You have built a strong investment portfolio. Your commitment to disciplined investing is truly appreciable. Your goal of retiring in 10 years is ambitious. Proper planning and rebalancing will help you reach it.

Your current portfolio is aggressive. It has a high allocation to mid-cap and small-cap funds. This can generate high returns but also comes with high risk.

Let us assess diversification, risk, and rebalancing needs.

Portfolio Structure and Risk Exposure
Monthly SIP Investment: Rs 1,60,000

Portfolio Breakdown:

Large Cap Funds – 2
Mid Cap Funds – 1
Small Cap Funds – 2
Flexi Cap Funds – 3
Risk Assessment:

More than 50% is in mid and small-cap funds.
These categories are highly volatile.
During a market downturn, losses can be significant.
Reducing risk as you get closer to retirement is important.
Fund Overlap:

You have three flexi-cap funds.

Two large-cap funds serve a similar purpose.

Too many funds from one AMC increase concentration risk.

Streamlining the portfolio will improve efficiency.

Areas That Need Improvement
Overexposure to Small and Mid-Cap Funds
Small and mid-cap funds have higher return potential.

However, they also come with higher risk and volatility.

At least 40% of your portfolio should be in large-cap funds.

This ensures stability and protection during market corrections.

Too Many Flexi-Cap Funds
Flexi-cap funds invest across large, mid, and small caps.

Having three flexi-cap funds causes duplication.

Retaining one or two funds is enough.

This will avoid unnecessary overlap.

Large-Cap Allocation Needs Adjustment
Large-cap funds provide stability.

They reduce downside risk in volatile markets.

Your allocation to large caps needs to increase.

This will bring balance to your portfolio.

No Debt or Hybrid Funds for Stability
Your portfolio is fully equity-based.

As you near retirement, stability is important.

Debt or hybrid funds can provide a safety net.

These funds protect your capital from market crashes.

Suggested Portfolio Adjustments
? Reduce Small & Mid-Cap Exposure

Retain only one small-cap fund.

Retain only one mid-cap fund.

Reduce SIPs in small-cap and mid-cap funds.

? Consolidate Large-Cap Investments

Keep only one large-cap fund.

Choose either an active or passive strategy.

Increase allocation to large-cap funds.

? Streamline Flexi-Cap Allocation

Keep only one or two flexi-cap funds.

Avoid excessive fund duplication.

? Introduce Debt or Hybrid Allocation

Start investing in a hybrid or debt fund.

Allocate at least 20% of SIPs to a stable category.

This will reduce overall portfolio risk.

Will This Portfolio Help You Retire in 10 Years?
Your current SIPs can build a substantial corpus.

If markets perform well, your target is achievable.

However, risk management is crucial.

A proper withdrawal strategy will be needed post-retirement.

Steps for Future Planning
? Review Portfolio Every 2-3 Years

? Increase Debt Allocation Closer to Retirement

? Avoid Overlapping Funds

? Maintain Liquidity for Emergency Needs

? Have a Withdrawal Plan for Post-Retirement

Final Insights
Your portfolio is on the right track. A few refinements will improve diversification. Stability will be important as you move closer to retirement.

By reducing risk and improving balance, you will be better prepared. Focus on long-term stability along with wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: Hello
Reasons you have mentioned for quitting will be there in most regular jobs.
They only seem to disappear in case we work in our interest/passion areas. Hence you need to do deep reflection to figure out your intersection point of 'skill plus interest'.
Since I am not aware of your exact education/profile details, won't be in a position to recommend any specific path etc.
Please share details & feel free to ask further.
All the Best!!

Ans: Based on past cutoffs, she might have a chance for the following:

Lower NITs (for branches like Mechanical, Civil, Metallurgy, Biotechnology, etc.)
Home State Quota (AP) in NIT Andhra Pradesh – Possible for non-CS branches.
Newer NITs (like NIT Mizoram, NIT Nagaland, NIT Meghalaya, NIT Sikkim, etc.) – Might get branches like ECE, Electrical, or lower branches.
See previous year's cutoff

Ans: See previous year's cutoff