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Prof Suvasish

Prof Suvasish Mukhopadhyay  |868 Answers  |Ask -

Career Counsellor - Answered on May 05, 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
Lalit Question by Lalit on May 05, 2025
Career

Which Top Tier IIITs are suitable for CSE / B Tech in CS / IT?

Ans: Comparatively older IIITs.
Asked on - May 05, 2025 | Answered on May 05, 2025
Would it be advisable to go for EEE in IIIT Gwalior vs IIIT Jabalpur or IIIT Lucknow or IIIT Kanchepuram?
Ans: I leave it to you.I won't comment and recommend any particular IIIT.
Career

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Nayagam P

Nayagam P P  |5068 Answers  |Ask -

Career Counsellor - Answered on Oct 23, 2024

Asked by Anonymous - Oct 22, 2024Hindi
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Sir, my daughter is doing her 12th now, she is aiming to get into IITs , NITs, BITS , IIITs for CS or any engineering which can make her enter into IT industry in future. Which IITs, NITs and IIITs can we prefer, we are from Chennai.
Ans: Your daughter is aspiring to gain admission to one of the IITs, NITs, BITS, or IIITs. The campus selection for your daughter will depend on the Percentile/AIR she achieves. To gain admission to a top IIT, NIT, or IIIT for the CSE branch, a minimum score of 99.00 percentile in JEE-Main is required, along with an All India Rank (AIR) below 1000 in JEE Advanced. For admission to the Pilani Campus of BITS, a minimum score of 330 out of 390 is required. In addition to JEE and BITSAT, she is eligible to take COMEDK to aim for one of the top three colleges in Bengaluru or Karnataka. I hope your daughter is attending her JEE coaching sessions. It is recommended to participate in 5-7 entrance examinations to ensure a range of options, rather than depending solely on JEE and BITSAT. Some strategies to enhance performance in JEE, BITSAT, and COMEDK examinations. (1) She should review the questions she answered incorrectly or skipped in the Mock Tests and Practice Tests she has completed to date, whether at the Coaching Center or at home, and practice them thoroughly. (2) She should familiarize herself with 20-40 previous years' JEE Question papers. (3) She should begin revising 11th Grade Chaptesr. (4) Consistent and regular revision is essential. (5) Additionally, she should practice time-bound online mock tests or test series to assess her speed and accuracy. All the BEST for Your Daughter's Prosperous Future.

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Nayagam P

Nayagam P P  |5068 Answers  |Ask -

Career Counsellor - Answered on May 24, 2025

Asked by Anonymous - May 24, 2025
Career
Sir i have scored 95 percentile (75k) in jee mains and home state is rajasthan gen cat i was looking at bit mesra pec chandigarh for mechanical/civil and are these better options or should i go for north eastern nits and nits pondicherry nit raipur and tier 3 nits and i am confident enoungh i will be able to secure rvce cse in comedk which would be great option for me i have equal interest in core and tech branch and pls suggest good iiits to me
Ans: Prefer RVCE if you Score below AIR-500 through COMKEDK, if fee is affordable for you. With a 95 percentile and around 75,000 rank in JEE Mains, admission to top NITs or IIITs for CSE is unlikely, but you can secure seats in mid-tier NITs like NIT Silchar, NIT Meghalaya, NIT Pondicherry, and NIT Raipur for Mechanical or Civil branches. These NITs are improving rapidly in academics and placements and provide good core engineering education. Tier 3 NITs such as NIT Agartala and NIT Manipur are also accessible options. BIT Mesra and PEC Chandigarh are reputed private universities with strong programs and placements in core branches and are good alternatives if you prefer private institutes. For tech-oriented branches, newer IIITs like IIIT Bhopal, Bhubaneswar, and Vadodara offer CSE, IT, or ECE branches with decent placement records and accept ranks around your range. Since you have equal interest in core and tech, choosing Mechanical or Civil in NITs or BIT/PEC is advisable for core engineering, while IIITs or private universities can be considered for tech branches. Balancing branch preference with college reputation and placement prospects will help you make the best choice. All the best for your admission and a bright future!

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Asked by Anonymous - May 23, 2025
Money
I am 42 years and My husband is 45, We both are running a Sofa manufacturing factory.We have 2 kids 1 is in grade 6 and another is 3.5 years old. We don't have any EMI,I have saved money to both of my children 6 lakhs each in FD. Myself and my husband have saved around 30 lakhs which we have kept in FD, we have health insurance and 5 lakhs I have invested in ICICI mutual funds. We have our own house, car which are EMI free. Since too much competition in Sofa industry gradually business has gone down . If we decide to close our factory how much money should I have in my account to lead happy and tension free retirement life or what should we do know to have a good life.
Ans: Dear Friend,
You're in a strong financial position—no EMIs, own home, and decent savings. At 42 and 45, with two young children, you still have 10–15 years to earn and build wealth for a peaceful retirement actively.
You're financially stable with ?30L in FDs, ?12L saved for kids, and ?5L in mutual funds. But if you plan to close your factory, assess alternate income sources or part-time work. To retire comfortably, aim to build a corpus of ?3–4 crore over the next 15 years through a mix of equity mutual funds (SIP ?50–70k/month), PPF, and targeted investments for your kids' higher education. Keep 1–2 years of expenses in liquid funds. Since you’re debt-free, focus on maximising savings and generating passive income to ensure a tension-free retired life.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Nitin

Nitin Narkhede  |77 Answers  |Ask -

MF, PF Expert - Answered on May 25, 2025

Asked by Anonymous - May 23, 2025
Money
Hi Financial Guru's I am 32 and my wife 30 years old (no kids) earning 4L/mnth and also we have 1.3L/mnth of rental income , total 5.3L/mnth post taxation We have a home loan of 2.2 cr currently for 29 years old at 7.5% intrest Our goal is to close the home loan and create enough savings to retire at the age of 45 without worrying about the study of a kid. We are expecting to spend 1L/mnth once we reach age of 45, Based on our current spends trend ( also adding the inflation and educational expenses of a kid) Please Advise us the mode and the amount required to save to achieve this target of ours before we reach 45. Currently we don't have any savings of our own in any form.
Ans: Dear Friend,
You have a strong foundation with a combined monthly income of ? 5.3 L and a clear goal to retire by 45. Prioritise building an emergency fund of ?10–15 L first. Then, the monthly surplus (after expenses and EMIs) will be split between aggressive investments (70% in equity mutual funds/SIPs) and moderate options like PPF or NPS (30%). Target building a retirement corpus of ?6–7 crore by 45, which can support ?1L/month inflation-adjusted expenses. Simultaneously, prepay your home loan aggressively—aim to close it in 10–12 years by channeling bonuses/rent. Use term/life insurance and plan for your child’s education via dedicated SIPs. Disciplined investing is key to achieving your goals. Advice is to meet a Financial Advisor and create your life and goal plan.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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