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What are my BTech college options with a 63 percentile and OBC NCL category?

Prof Suvasish

Prof Suvasish Mukhopadhyay  |885 Answers  |Ask -

Career Counsellor - Answered on Apr 21, 2025

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
He has guided and motivated graduate and postgraduate students in science and technology to choose the right course and excel in their careers.
Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more
Sumit Question by Sumit on Apr 21, 2025Hindi
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in which college for btech i can get admission with63 percentile with obc ncl category

Ans: Certainly not in any Govt Colleges, that much I can say. Doors of Private Engineering colleges are always open if a candidate fulfills the minimum criteria.
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Nayagam P

Nayagam P P  |5094 Answers  |Ask -

Career Counsellor - Answered on Mar 10, 2025

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Which nit/iiit/Gftis college can i get with 89.03 percentile with obc category at high branches
Ans: Sahil, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

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 Option also 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.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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Dr Dipankar Dutta  |1430 Answers  |Ask -

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Asked by Anonymous - May 25, 2025
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Sir my daughter is expected to get CS Allied , ECE in MIT Manipal . and is expected to get CS Core and ECE in MIT Bangalore . Her Interest is ECE but we are all in dilemma(including my daughter) . We have two questions 1) ECE in Manipal Campus or ECE in Bangalore Campus . Which one will be better considering that she will pass out 4 years hence for placement 2) Will we be doing mistake by not opting for CS related course and going for ECE as a career
Ans: For ECE, MIT Manipal is the superior choice over MIT Bangalore due to its established reputation, stronger alumni network, and consistently high placement rates—77% overall and 80–90% for ECE, with top recruiters like Amazon, Microsoft, and Bosch. The main campus offers broader industry exposure and better long-term prospects. Choosing ECE over CS/Allied is not a mistake; ECE is a flexible and respected branch, allowing careers in electronics, communications, and IT/software, especially if your daughter develops relevant programming and technical skills. Many ECE students secure high-paying software roles, and the branch’s analytical foundation is valued in the tech industry. Ultimately, success in placements and career growth depends on personal initiative, internships, and skill development, not just branch selection. Recommendation: Opt for ECE at MIT Manipal, as it provides the best balance of academic environment, placement opportunities, and future flexibility, aligning well with your daughter’s interests. All the best for your daughter's admission and a bright future!

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Ramalingam

Ramalingam Kalirajan  |8513 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 25, 2025

Asked by Anonymous - May 24, 2025
Money
Hi Ramalingam Sir, First of all thank you for your replies for my previous queries. I am 41 yrs old private employee earning 1.5 lakhs per month. I and my brother combined constructed a house 5 years back by taking joint loan of 59lakhs with 9.1 interest (floating)for 21 years. We both are paying 50k per month. 25k each. Till now not much principal got reduced. We have opened one joint account and adding some amount of 4k (each 2k) every month and thinking to pay as principal amount at end of year. I don't feel it is good idea but we are not getting any idea. Could you please give us suggestion on how to pay this loan as much as early.? Thanks in advance
Ans: You have done a great thing by co-owning and sharing a loan. It takes planning and commitment. Paying a long-term loan early needs careful steps. A focused strategy will help you save interest and reduce stress.

Below is a complete 360-degree solution. This will help you close the loan faster and stay financially safe.

1. Understanding Your Current Loan Structure

You and your brother took a joint home loan of Rs. 59 lakhs.

Interest is 9.1% (floating). That’s quite high.

You both are paying Rs. 25,000 each, totalling Rs. 50,000 monthly.

The loan tenure is 21 years.

After 5 years, principal reduction is still very low.

This is because in early years, interest eats most of EMI.

Your method of saving Rs. 4,000 monthly to prepay annually is good in spirit.

But in action, it may not create much impact.

Let us explore a better plan.

2. Step-by-Step Review of the Issue

Your interest rate is 9.1%, which is high today.

Loan is 5 years old, so around 16 years are left.

You have already paid around Rs. 30 lakhs in EMIs.

Still, the loan principal hasn’t reduced much.

This means you are in the heavy-interest zone.

Time is the biggest cost here.

Faster principal reduction will save a lot of interest.

You can’t just depend on small yearly prepayment.

3. First Action – Review and Refinance the Loan

First, check your current loan outstanding.

Check your repayment schedule from bank or netbanking.

See how much of EMI is going to interest.

Now consider transferring the loan to a new bank.

Many banks now offer home loans around 8.3% to 8.6%.

A 0.5% difference may look small.

But it can save lakhs over remaining years.

You and your brother must compare 3–4 lenders.

If new bank is ready, shift to a lower rate.

No harm in reducing tenure while transferring.

Even 2–3 years cut in tenure saves a lot.

4. Revisit EMI and Tenure

You are paying Rs. 25,000 monthly.

This may be within your budget.

If yes, try to increase EMI by Rs. 2,000–Rs. 3,000 per head.

Higher EMI cuts principal faster.

Lower tenure means lesser interest burden.

Use the new EMI wisely by combining refinance and increased payment.

Avoid extending the loan tenure again.

If possible, reduce tenure instead of EMI.

5. Rethink the Annual Rs. 4,000 Saving Approach

Saving Rs. 4,000 monthly in joint account is okay.

But idle money doesn’t grow.

Interest in bank account is very low.

Instead, invest this Rs. 4,000 in a short-term debt mutual fund.

Use regular plan through MFD with CFP credential.

Direct plans may look cheaper but lack support and rebalancing.

With regular plan, you get better advice and ongoing help.

At year-end, redeem and prepay lump sum against principal.

Debt funds offer better growth than savings account.

Tax efficiency is also better if used wisely.

6. Create an Emergency Buffer Separately

Prepaying is good, but emergency safety is more important.

Before aggressive prepayment, build a safety fund.

Keep at least 3–6 months of EMI and expenses as emergency fund.

Use liquid mutual funds for this.

This protects your EMI even if job or cashflow is hit.

Avoid using your loan prepayment savings for emergencies.

Keep the two goals separate.

7. Avoid Prepayment from Retirement Corpus

Never touch EPF, PPF or long-term savings for loan prepayment.

That may create future income problems.

Let those assets grow for your retirement years.

Housing loan can be managed with better cashflow planning.

Prioritise steady investments over aggressive prepayment from retirement corpus.

8. Align Investments and Loan Closure Together

If you want to clear the loan faster, balance it with investment goals.

You can run SIPs and prepayment both side by side.

Divide monthly surplus into three:

Some for SIPs in active mutual funds.

Some for yearly lump sum prepayment.

Some for emergencies.

This keeps wealth creation, risk cover, and debt reduction in sync.

Don't stop SIPs completely just to prepay faster.

Mutual funds give long-term growth and liquidity.

9. Tax Benefit Assessment

Home loan offers tax deductions on interest and principal.

You both are eligible for 80C (principal) and 24(b) (interest) benefits.

Check if you are using full benefit.

But don’t keep loan just for tax saving.

Interest outgo is more than tax saved in most cases.

It is better to close loan early and then invest that EMI.

You get better peace of mind and cashflow freedom.

10. Use Bonuses and Extra Income Smartly

You may receive bonus, incentives, or yearly hikes.

Use a fixed portion of that money to prepay loan.

For example, 40% of bonus goes to loan, 40% to investments.

Remaining 20% for personal spending.

This method helps in faster loan closure.

But keeps your future goals also on track.

11. Communicate and Review as a Team

You and your brother are managing the loan together.

That’s a great responsibility and effort.

Keep monthly reviews and open communication.

Review the bank statement, interest paid, and outstanding.

Every prepayment reduces total interest burden.

Celebrate milestones like Rs. 5 lakh principal paid off.

It will keep both of you motivated and united.

12. Don’t Buy More Real Estate Now

Your existing home is already a big commitment.

Avoid investing in second property.

Real estate has poor liquidity and low regular returns.

Maintenance cost, property tax, and legal risk are high.

Don’t stretch finances with multiple loans.

Build wealth through financial assets instead.

13. Take a Certified Financial Planner’s Help Once a Year

Every year review your plan with a Certified Financial Planner.

Check how much principal is left.

Plan SIPs, investments, and prepayment in right proportion.

Review life and health insurance too.

A CFP helps you align your goals with numbers and strategies.

14. Insurance Protection Check

Ensure you and your brother both have term insurance.

This secures the loan liability.

If something happens to one person, the other isn’t burdened.

Term plan is low-cost and covers only risk.

Avoid policies that combine insurance and investments.

15. Track Your Progress Annually

Make a simple tracker in Excel or diary.

Note EMI paid, principal reduced, balance left.

Mark each prepayment.

It motivates and helps fine-tune future decisions.

Share the sheet with your brother too.

Finally

You both have made a good effort so far.

The first five years of a loan are toughest.

Now is the best time to take control.

Don’t let the high interest eat your future savings.

Use a mix of refinance, EMI increase, short-term fund, and lump sum payments.

Don’t compromise on long-term investments and insurance.

Keep your goals clear and emotions away from decisions.

Your loan can be closed 5–7 years early with these changes.

That will free up cash for future dreams and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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