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Nayagam P

Nayagam P P  |10834 Answers  |Ask -

Career Counsellor - Answered on Sep 22, 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 - Sep 21, 2025Hindi
Career

Hi sir , Which is better to consider Thapar computer science or IIM SAMBALPUR Bachelor in data science and artificial intelligence in lieu of fee, faculty, infrastructure, placements and career progression as fees not an issue , pls suggest

Ans: Thapar Institute of Engineering and Technology’s Computer Science program and IIM Sambalpur’s Bachelor in Data Science and Artificial Intelligence both deliver strong academic rigor and industry exposure, yet their distinguishing attributes lie in institutional heritage, specialized pedagogy, and ecosystem maturity. Thapar’s longstanding engineering legacy is reflected in its National Institutional Ranking Framework standing and collaborations with leading technology firms, complemented by faculty who blend research credentials with industry experience, modern laboratories stocked with cutting-edge hardware, and a placement rate rising from 83 percent to nearly 89 percent over the past three years. The campus infrastructure spans extensive innovation hubs, incubation centers, and collaborative workspaces that foster multidisciplinary projects. In contrast, IIM Sambalpur’s nascent data science undergraduate offering benefits from the IIM brand’s management expertise, a curriculum co-designed with analytics leaders, and specialized faculty drawn from premier institutions, supported by high-performance computing clusters and data labs. Its placement record exceeds 90 percent over recent cohorts, driven by strong recruiter relationships in analytics, consulting, and finance, with structured mentorship, industry-integrated capstone projects, and a growing alumni network easing career progression into leadership roles. Both institutes emphasize research opportunities and lifelong learning pathways, yet they differ in scale, legacy brand value, and program maturity.

The IIM Sambalpur BSAI program offers sharper specialization, emerging leadership prospects, and IIM-level mentorship, making it preferable for data-driven careers, while Thapar CSE remains a robust choice for broader software engineering pathways and established campus ecosystems. My suggestion: Prefer Thapar-CSE over IIM-Sambalpur. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10834 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Career
In this year IIM Sambalpur launched their BS Program in Data Science and AI. Should I opt that cause it's Fees is around 25 Lakh and newly launched. I am probably getting NIAT Hyderabad so should I go with that only.
Ans: IIM Sambalpur’s newly launched four-year fully residential B.S. in Data Science & Artificial Intelligence, aligned with NEP 2020, is offered by an Institution of National Importance, features a flexible entry–exit structure, and delivers a curriculum co-designed with industry leaders, blending mathematics, statistics, programming, AI, management and ethics through intensive lab sessions, coding bootcamps, live projects and internships; however, being the first cohort, placement track record is yet to be established and total tuition is ?25.97 Lakh. NIAT Hyderabad partners with Chaitanya (Deemed to be) University to award a UGC-recognised B.Tech in Computer Science with embedded AI/Data Science training, guided by IIT/IIIT alumni, uses an industry-reverse-engineered curriculum, provides an Industry-Ready Certificate (IRC), pan-India placement access across 3000+ hiring partners, and reports 400+ paid internships in the first semester with sustained real-world projects and mentorship teams on campus.

Recommendation: Given the premium fee and unproven placement outcomes at IIM Sambalpur versus NIAT Hyderabad’s established industry-focused pedagogy, pan-India placement network and early internship success, the recommendation is to opt for NIAT Hyderabad. If you prioritize a degree from an Institution of National Importance with a cutting-edge interdisciplinary curriculum and can accept placement uncertainty, consider IIM Sambalpur BS Data Science & AI. MY SUGGESTION: Prefer NIAT-H. All the BEST for Admission & a Prosperous Future!

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Latest Questions
Naveenn

Naveenn Kummar  |228 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 10, 2025

Money
Hi, I'm 49 married with 2 kids aged 16 and 11. I work in mid mgmt in a Finance co. Wife is 45 works at a Bank. Combined annual salary is 80 lakhs. Live in a home which just got loan free. Have a rental income of 40k monthly that my wife gets. Mom also lives with us and she gets a rental income of 45k per month. I have invested in a small office space which will be ready by mid 2027 and has a construction linked plan, have to pay 40L more. I Have stocks of 45L and EPF of 60L PPF of 12 L. Have ancestral property in land at native place not much but say 25L. Mom has pledged 50% of her assets to my sister. Liability of office and company car is 6L. School fees and tution fees are paid from rental income and wife chips in. There's maintenance, club membership fees, insurance, repairs and maintenance, kids pocket money, groceries, internet, mobile, maids etc. which I pay. I'm thinking of quitting my job and starting something on my own. I am a guest lecturer at a college which is pro bono and also helping 2 Startups of friends over weekend with a tiny equity stake in one. Is it a right decision? Pressure at work is high, growth chances are minimum. Many colleagues asked to go. The environment isn't very encouraging. Pls advise if I'm ok financially with about 45 lakhs liability. Never got a chance to save as EMIs were 75% of income. I'm unable to get a direction.
Ans: You are 49, with a stable dual-income family, home loan cleared, and some investments in place. You feel stagnated in your job and want to start something of your own. It’s a natural and valid thought at this life stage — but the decision needs to be planned, not impulsive.

At present, your financial base is decent but not fully liquid. You still have about ?45 lakh in liabilities, upcoming education costs for your children, and limited cash reserves. Your wife’s job and rental income can sustain household expenses, but not much beyond that.

The wise move is to continue your job while you explore your business or investment idea part-time. Use the next 18–24 months to:

Clear pending loans, especially the office property.

Build a minimum ?20–25 lakh emergency corpus.

Fund your children’s education separately.

Test and refine your business idea alongside your job.

Before quitting, also discuss openly with your spouse whether she is comfortable with you stepping away from a steady income. Her emotional and financial comfort will determine how smooth your transition is.

In short:
Keep your job, continue your startup or investing interest part-time, strengthen your finances, and plan a structured exit once liabilities are cleared. Freedom feels best when it’s backed by security, not uncertainty.

Contingency buffer and health insurance details:
For detailed financial planning and portfolio reconstruction, please connect with a Qualified Personal Finance Professional (QPFP).

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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