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Ramalingam

Ramalingam Kalirajan  |9708 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 24, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Raj Question by Raj on Oct 17, 2024Hindi
Money

Dear Sir, I'm 39 yrs old and having 1year old boy. My goal is to invent in Mutual funds for my kid education and also for my retirement with moderate risk. I'm planning to do SIP of 80k per month until my 50th year. 1)Would you please suggest me suitable Mutual funds with percentage allocation. 2) Also, suggest me whether I can achieve a corpus of 3crores with this SIP amount.

Ans: You’re 39 years old and want to invest Rs 80,000 per month for both your child’s education and your retirement. Your target is to achieve a corpus of Rs 3 crores by the time you’re 50. You also mentioned having a moderate risk tolerance. These are commendable goals, and it’s clear that you’re planning well ahead for your family’s future.

The timeline for both goals is around 11 years, which gives you enough time to benefit from compounding returns. This time horizon also allows you to take on moderate risk while aiming for growth-oriented investments. Below, I’ll provide a detailed strategy based on your objectives.

Evaluating Your Investment Strategy
You plan to invest Rs 80,000 monthly in SIPs for the next 11 years. This approach is excellent as SIPs offer the benefit of rupee-cost averaging. However, the success of your plan will depend on the type of funds you choose and how well you allocate your portfolio.

With moderate risk, you should aim for a balanced allocation between equity and debt funds to optimize returns while minimizing volatility.

Suggested Allocation Based on Moderate Risk
Given your moderate risk profile, a balanced portfolio is crucial. I recommend splitting your monthly SIP into three main categories: equity, debt, and hybrid funds. Here’s how you can allocate the Rs 80,000:

Equity Funds (50-60%): Around Rs 40,000 to Rs 48,000 per month should go into equity mutual funds. These funds are known to deliver higher returns over the long term but come with short-term volatility. Within equities, diversify across large-cap, mid-cap, and multi-cap funds. Large-cap funds offer more stability, while mid-caps and multi-caps provide growth potential.

Debt Funds (20-30%): Rs 16,000 to Rs 24,000 per month can be invested in debt funds. These provide stability and reduce overall portfolio volatility. Since your goal is long-term, you can choose long-duration debt funds or dynamic bond funds.

Hybrid Funds (10-20%): Rs 8,000 to Rs 16,000 per month can go into hybrid funds, which blend both equity and debt. These funds are suitable for moderate-risk investors, as they provide a balance between growth and stability.

Why Actively Managed Funds are Better than Index Funds
You didn’t mention any preference for index funds, but it’s important to note that for your goal of achieving a corpus of Rs 3 crores, actively managed funds can be a better option.

Active Management: Actively managed funds have the potential to outperform index funds, especially in emerging markets like India. Fund managers use their expertise to adjust the portfolio based on market conditions, aiming for higher returns.

Moderate Risk: Given your moderate risk appetite, actively managed funds are better suited as they offer the flexibility to rebalance between equity and debt, which is not possible with index funds.

Growth Potential: While index funds aim to replicate market performance, actively managed funds can exploit market inefficiencies to generate higher returns.

Direct vs. Regular Funds
You may also come across the option of investing directly in mutual funds, but I recommend sticking with regular funds and investing through a Certified Financial Planner (CFP). Here’s why:

Professional Guidance: A CFP can provide tailored advice based on your financial goals and risk tolerance. They also help you navigate market changes and adjust your portfolio accordingly.

Regular Monitoring: Direct funds require constant attention, whereas regular funds through a CFP offer active management. This reduces the stress of having to monitor your portfolio regularly.

Cost Efficiency: Although direct funds have lower expense ratios, the value added by a CFP in terms of expert advice often outweighs the cost difference.

Can You Achieve Rs 3 Crores by Age 50?
Let’s assess whether your SIP of Rs 80,000 per month can realistically grow to Rs 3 crores in 11 years. While I won’t use exact formulas, we can estimate potential outcomes based on historical market performance and a balanced portfolio.

Equity Funds: Historically, equity mutual funds in India have delivered returns ranging from 10-12% annually. Given your moderate risk profile, you can expect an average return of around 10% from the equity portion of your portfolio.

Debt Funds: Debt funds typically offer more conservative returns, around 6-8% per year. However, they stabilize your portfolio and reduce overall risk.

Hybrid Funds: Hybrid funds, with their blend of equity and debt, may offer returns in the range of 8-9%.

With an estimated average portfolio return of around 9%, your SIP of Rs 80,000 per month over 11 years could potentially help you reach or exceed your Rs 3 crore goal. However, keep in mind that market conditions and fund performance can fluctuate.

Adjusting for Inflation
While Rs 3 crores seems like a solid goal today, inflation could erode its purchasing power in the future. The cost of education and retirement expenses will likely increase over time. Therefore, it’s essential to periodically review your financial plan and adjust your SIP amounts or goals based on inflation and life changes.

Tracking and Monitoring Your Investments
To ensure that you remain on track to achieve your Rs 3 crore target, regular monitoring is essential. Here are some steps to help:

Annual Review: Conduct a yearly review of your portfolio to ensure it aligns with your goals. If the market performs exceptionally well, consider increasing your SIP amount to capitalize on growth.

Rebalancing: As you get closer to your goal, you may want to reduce exposure to high-risk assets like equities and increase allocation to safer debt instruments.

Certified Financial Planner (CFP) Support: Working with a CFP will help you make informed decisions and keep your investments aligned with your changing needs.

Additional Considerations for Your Child’s Education
Since one of your goals is your child’s education, I recommend setting aside a portion of your corpus specifically for that purpose. This way, you won’t have to dip into your retirement savings.

Targeted Education Fund: You can create a separate investment plan dedicated to your child’s education. Start by estimating the future cost of education and allocating a specific portion of your Rs 80,000 SIP towards this goal.

Diversified Approach: A balanced mix of equity, debt, and hybrid funds will still apply, but you may want to lean more towards stability as your child grows older.

Final Insights
Your approach to investing Rs 80,000 per month in SIPs for 11 years is well-structured and shows your commitment to securing a financial future for both your child’s education and your retirement. By choosing a balanced portfolio of equity, debt, and hybrid funds, you can achieve moderate risk and still aim for strong growth.

You’re on the right path to potentially achieving your Rs 3 crore goal, especially with a focus on actively managed funds. Regular monitoring and adjustments, along with the guidance of a Certified Financial Planner, will further increase your chances of success.

Best Regards,
K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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I am 55 in a pvt company. I want to invest in SIP for a period of 5 yrs to get good returns. My risk appetite is moderate. I need to plan for my 2 children studies, wedding and my retirement. I can invest 50k per month. Please let me know in which Mutual funds I should invest? I have own flat no loans and already saved 70L in FDs. How much corpus I need to get 70k per month .
Ans: Current Financial Position
Age: 55 years
Job: Private company
Risk Appetite: Moderate
Monthly Investment Capacity: Rs 50,000
Existing Savings: Rs 70 lakhs in Fixed Deposits
Goals: Children's education and wedding, retirement planning
No Loans: Own flat
Investment Strategy
SIP Recommendations
Given your moderate risk appetite and a 5-year horizon, a balanced approach is ideal. Here's a structured investment plan:

Balanced Funds: These funds provide a mix of equity and debt. They offer stability and growth.

Large-Cap Funds: These invest in well-established companies. They offer steady returns with lower risk compared to mid-cap or small-cap funds.

Multi-Cap Funds: These invest across large, mid, and small-cap stocks. They offer diversification and potential for higher returns.

Fund Allocation
Balanced Funds: Rs 20,000 per month
Large-Cap Funds: Rs 15,000 per month
Multi-Cap Funds: Rs 15,000 per month
This allocation balances growth and stability, catering to your moderate risk profile.

Planning for Children's Education and Wedding
Education Fund
Time Horizon: Immediate to medium-term
Investment: Continue SIPs and consider partial withdrawals as needed.
Wedding Fund
Time Horizon: 5-10 years
Investment: Maintain current SIPs for 5 years, then assess market conditions for withdrawals.
Retirement Planning
Current Savings
Fixed Deposits: Rs 70 lakhs offers security but low returns. Consider diversifying a portion into mutual funds or other higher-return instruments.
Corpus Needed for Rs 70,000 Monthly Income
Required Corpus: To get Rs 70,000 monthly, you need around Rs 1.75 crore (assuming 5% annual withdrawal rate).
Building the Corpus
Current Investments: Rs 70 lakhs in FDs
SIPs: Rs 50,000 per month for 5 years. This should grow to around Rs 35-40 lakhs, assuming moderate returns.
Recommendations
Actively Managed Funds
Higher Returns Potential: Actively managed funds can outperform the market through expert stock selection.

Professional Management: Funds managed by experienced professionals who adapt to market changes.

Regular vs Direct Funds
Invest Through CFP: Certified Financial Planners offer guidance, helping you navigate market complexities.

Regular Funds Advantage: Though expense ratios are higher, the professional advice can lead to better long-term outcomes.

Risk Management
Diversification
Balanced Portfolio: Diversify across balanced, large-cap, and multi-cap funds. This reduces risk and enhances returns.
Regular Monitoring
Review Investments: Conduct quarterly reviews. Make adjustments based on performance and market conditions.

Rebalance Portfolio: Periodically rebalance to align with your risk profile and financial goals.

Final Insights
Your current financial position is strong. With a well-structured SIP plan and professional guidance, you can achieve your goals. Regular monitoring and a diversified approach will help in mitigating risks and enhancing returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Any idea about Newton school of technology for CS, is it a good option My son got 95 percentile in JEE mains and 96.4 percentile in MHCET, can you suggest good option for CSE
Ans: With a 96.4 percentile in MHT-CET (General-All India), your son is assured admission to numerous reputable Mumbai and Pune institutes whose CSE closing percentiles fall below his score. These colleges combine NBA/NAAC accreditation, modern AI/ML and networking labs, active placement cells achieving 75–90% branch-wise placements over three years, strong industry tie-ups, and supportive campus environments. Fifteen institutions in Maharashtra where admission in CSE is guaranteed for a 96.4 percentile include College of Engineering Pune (Shivajinagar, Pune); Veermata Jijabai Technological Institute (Matunga, Mumbai); Sardar Patel College of Engineering (Andheri West, Mumbai); Pioneer Institute of Technology (Bhosari, Pune); Maharashtra Institute of Technology (WPU campus, Pune); Pimpri Chinchwad College of Engineering (Nigdi, Pune); Sinhgad Institute of Technology & Science (Lonavala, Pune); DY Patil College of Engineering (Akurdi, Pune); Pune Institute of Computer Technology (Tathawade, Pune); Army Institute of Technology (Dighi, Pune); Bharati Vidyapeeth College of Engineering (Katraj, Pune); Reva University (off-campus CSE & Business Systems, Jayanagar, Bangalore); Acharya Institute of Technology (Soladevarabetta, Bangalore); RNS Institute of Technology (Channasandra, Bangalore); and BMS Institute of Technology & Management (Yelahanka, Bangalore).

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Ramalingam

Ramalingam Kalirajan  |9708 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Money
Hi I am 45 years old, having 2 daughters. Need advice how can I invest money for my future. I earn 2 lakh per month
Ans: You are 45 years old with two daughters. You earn Rs 2 lakh per month. This gives you a good platform to plan your future. You are in a strong position to create wealth, protect your family, and plan for your daughters’ goals.

Let’s build a full strategy to help you grow, protect, and secure your money.

? Understand Your Financial Goals

– Begin with listing your life goals.
– Think about short-term, medium-term and long-term goals.
– Children's education and marriage will need focused planning.
– Retirement planning is also very important at this stage.
– Emergency fund, home upgrade, travel, and medical needs should also be covered.

? Assess Your Current Situation

– You earn Rs 2 lakh monthly. This gives financial comfort.
– You must know your current savings, investments, loans, and expenses.
– Keep track of your monthly surplus after regular expenses.
– This surplus is the base for your wealth building.

? Emergency Fund Must Be in Place

– Set aside 6 to 12 months’ expenses in liquid form.
– Keep it in a savings account, sweep-in F.D, or liquid mutual fund.
– Do not mix emergency funds with long-term investments.
– This gives peace of mind in job loss or health issues.

? Health Insurance and Term Insurance

– Take a family floater health insurance if not already done.
– Ensure it covers at least Rs 10 to 15 lakh.
– Even if employer gives group cover, buy your own.
– Also take a pure term insurance plan for yourself.
– It should cover at least 12–15 times your annual income.
– Avoid insurance-cum-investment plans. Returns are very poor in such policies.

? Review Existing LIC or ULIP Policies

– If you hold LIC endowment, money-back or ULIP policies, review them now.
– Most such policies give very low returns, often below 5% per year.
– Surrender such plans after checking surrender value and exit charges.
– Reinvest the money in mutual funds for better growth.
– Protecting family is best done through term insurance, not investment-linked policies.

? Asset Allocation: The Core of Investment Strategy

– Asset allocation gives stability and better returns over time.
– At 45 years of age, a balanced allocation is preferred.
– Around 60% can be in equity, 30% in debt, and 10% in gold.
– You can adjust based on your risk comfort.
– This mix balances growth and safety.

? Monthly SIPs for Long-Term Wealth Creation

– Start SIPs in mutual funds every month from your surplus.
– Equity mutual funds can help in long-term goals like retirement.
– SIPs create discipline and reduce risk through rupee cost averaging.
– Select actively managed funds. Avoid index funds and ETFs.
– Index funds just mirror markets. They don’t adjust in down cycles.
– Active funds have expert managers. They take better decisions in changing markets.
– Avoid direct plans if investing by yourself.
– Direct plans save on cost but lack guidance.
– Invest through regular plans via MFDs with CFP credentials.
– This gives you regular reviews and personal advice.

? Plan for Daughters’ Education

– You have two daughters. Their higher education needs careful planning.
– Estimate the cost based on current fees and inflation.
– Use mutual funds for this goal.
– Allocate to equity funds if time horizon is more than 5 years.
– Closer to goal, shift to safer debt funds.
– Start SIPs with goal-linked amounts.
– Track progress every 6 months. Adjust if needed.

? Plan for Daughters’ Marriage

– Marriage is another major goal.
– Keep a separate investment plan for this.
– You can use balanced mutual funds if the timeline is 7 to 10 years.
– Avoid gold jewellery purchases now.
– Invest in digital gold or gold mutual funds for liquidity and growth.

? Retirement Planning Starts Now

– You still have 15 years to retire.
– That is a good time frame to build your retirement corpus.
– Use equity mutual funds to build wealth.
– SIPs, lumpsum investments, and bonuses should be directed to retirement.
– Have a clear retirement goal in mind.
– Consider expected lifestyle cost post-retirement.
– Don’t depend only on PPF or F.Ds for this goal.

? Avoid Real Estate as Investment

– Real estate gives poor liquidity and high entry costs.
– It also needs high maintenance and may stay idle.
– Rental yield is low.
– You already have a steady income. You don’t need rental income dependency.
– So avoid new real estate purchases as an investment tool.

? Tax Efficiency in Investments

– Mutual funds offer better tax-adjusted returns than F.Ds.
– Equity mutual funds held for more than 1 year have LTCG tax of 12.5% over Rs 1.25 lakh.
– Short-term gains in equity funds are taxed at 20%.
– Debt mutual funds are taxed as per your income slab.
– So plan your holding period smartly.
– Avoid frequent selling of mutual funds.

? Avoid Annuities and Guaranteed Return Products

– Annuities give very low returns.
– They also lack flexibility and have long lock-ins.
– Many insurance-linked guarantees are mis-sold.
– Avoid such low-yield, high-lock products.

? Use Goal-Based Investment Buckets

– Split your investments based on goals, not random SIPs.
– One SIP bucket for retirement, one for education, one for marriage, etc.
– This helps in clarity and focused tracking.
– Each goal has different risk and time frame.

? Avoid Risky Investment Behaviour

– Don’t chase hot tips or latest trends.
– Avoid crypto, futures, options, or direct equity without expertise.
– Stay away from unknown apps or schemes promising fixed monthly returns.
– Stick to proven, regulated, and guided products.

? Gold Allocation for Stability

– Around 5–10% of your portfolio can be in gold.
– Use gold mutual funds or sovereign gold bonds.
– Avoid physical gold for investment.

? Review and Rebalance Every Year

– Portfolio review is a must once in 6 to 12 months.
– Rebalance asset allocation if it shifts from target.
– For example, equity may grow to 70% from 60%.
– Rebalance it back to 60%.
– Review performance of funds too. Replace if lagging continuously.

? Estate Planning and Nomination

– Create a Will.
– Ensure all your investments and accounts have nominations.
– Share investment details with spouse or trusted person.
– This keeps things smooth for the family later.

? Work with a Certified Financial Planner

– You have many responsibilities and goals.
– A Certified Financial Planner helps you with a 360-degree plan.
– They offer customised strategies, regular tracking, and course correction.
– Investing without guidance often leads to mistakes.
– A planner ensures you stay on track for every goal.

? Finally

– You are financially sound at age 45.
– With structured planning, you can build wealth for your future.
– Use equity mutual funds for long-term growth.
– Avoid index funds, direct plans, and real estate.
– Invest through regular funds with help from an MFD-CFP.
– Secure your family with term and health cover.
– Build goal-based SIPs and keep rebalancing.
– Stay disciplined and track regularly.
– This approach will bring financial peace for you and your family.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |9708 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Money
Hello Sir, I retired recently as DGM AVIATION. I got p.f gratuity and lic on retirement . I purchased a plot from some amount and 60 lk remaining. Please advise how to invest this so that I get max return in 5 to 6 yrs. I have regular pension of 1.25 L pm . Also have f.d and ppf backup. Thanks and regards.
Ans: A regular pension of Rs 1.25 lakh, along with F.D and PPF backup, gives good financial security. The Rs 60 lakh amount now can be used for growth and support. A focused, balanced strategy will help you gain high returns over 5 to 6 years.

Let us create a detailed plan step-by-step.

? Understand Your Risk Profile

– You are a recent retiree. Capital safety must be your first goal.
– However, your regular pension and backups allow for some equity exposure.
– You can aim for moderate growth, not aggressive.
– Avoid high-risk choices like direct stocks or crypto.

? Clear Purpose for the Rs 60 Lakh

– Keep your investment goal clear: growth over 5–6 years.
– Do not use this amount for any emergency use.
– Your emergency fund should be in F.D or savings account.

? Asset Allocation Strategy

– Diversifying is the key. Avoid putting all Rs 60 lakh in one place.
– A balanced approach between equity and debt is more suitable.
– 60% equity and 40% debt may suit your risk profile.
– This gives return potential along with capital safety.

? Equity Portion: Use Actively Managed Mutual Funds

– Allocate Rs 36 lakh (60%) to equity mutual funds.
– Use diversified, actively managed funds. Avoid index and ETF funds.
– Index funds just copy the market. They cannot beat the market.
– Actively managed funds are handled by professionals.
– These fund managers aim to beat the market through research.
– Avoid direct plans. They may look cheaper, but lack proper guidance.
– Regular plans via MFDs with CFP credentials offer personalised help.
– They guide, review, and suggest changes at the right time.

? Debt Portion: Use Debt Mutual Funds and Short-Term Instruments

– Allocate Rs 24 lakh (40%) to debt funds and other fixed options.
– Avoid locking entire debt money in F.D for long periods.
– Use short-duration debt mutual funds for better tax efficiency.
– Debt funds may give slightly better post-tax returns than F.Ds.
– Use laddering – keep part of the money maturing every year.
– This gives liquidity and reduces reinvestment risk.

? Stay Away from Index Funds and Direct Plans

– Index funds follow a passive style.
– They cannot handle market risks actively.
– When markets fall, index funds fall blindly.
– Actively managed funds protect better during such times.
– Direct plans may save 1% in cost, but they miss expert help.
– Regular plans through a qualified MFD-CFP give long-term support.
– This support matters more than just lower cost.

? Tax Treatment for Mutual Funds (As per latest rules)

– If you sell equity mutual funds after 1 year, gains over Rs 1.25 lakh are taxed at 12.5%.
– Short-term gains (within 1 year) in equity are taxed at 20%.
– For debt mutual funds, both short-term and long-term gains are taxed as per your slab.
– So stagger your withdrawals after 1 year for tax savings.

? Do You Have Any ULIPs or Traditional LIC Policies?

– You have mentioned LIC policy on retirement.
– Please check if this is a maturity benefit from a traditional plan or ULIP.
– If you still hold any ULIP or traditional insurance policy, assess the returns.
– These products give low returns, often below 5-6% per year.
– If you still hold such low-return policies, consider surrendering.
– Reinvest that amount in mutual funds with better growth potential.

? Inflation Protection

– F.Ds and PPF offer fixed returns. But they may not beat inflation over long term.
– Equity exposure is important to protect against inflation.
– Keeping money only in safe but low-return options may reduce wealth over time.
– So some part of your money must grow faster than inflation.

? Keep a 6-Year Timeline in Mind

– Since your investment goal is 5 to 6 years, plan exit from equity slowly.
– Start reducing equity exposure by the end of 4th year.
– Move funds to safer options step-by-step.
– This avoids risk of sudden market fall near your target year.

? Rebalancing Strategy

– Once every year, review your portfolio allocation.
– If equity grows more than expected, rebalance back to 60:40.
– Rebalancing locks gains and maintains your risk level.
– This review should be done with the help of a certified MFD or CFP.

? Stay Away from High-Risk or Locked-In Products

– Do not invest in corporate bonds directly without expert guidance.
– Avoid any new-age fintech schemes that promise high return.
– Do not put money in PMS or private equity schemes.
– Avoid NPS for now, as your retirement is already active and NPS has lock-in.
– Do not consider real estate again. It has high cost and low liquidity.

? Do Not Over-Depend on PPF

– PPF is a good tax-free option. But its limit is only Rs 1.5 lakh per year.
– You already have backup in PPF. Don’t allocate more now.
– Use mutual funds for better flexibility and growth.

? Be Careful with F.D Renewals

– Renew your F.Ds only after checking the latest interest rates.
– Do not keep all F.Ds in one bank. Use 2–3 reputed banks.
– Keep maturity dates spread over different years.
– Consider shifting some F.Ds to debt funds if tax slab is high.

? Monitor Your Investments

– Don’t keep your investments idle.
– Review at least once in 6 months.
– Watch fund performance, market outlook and interest rates.
– Rebalance if asset allocation shifts too much.

? Estate Planning and Nomination

– You are now retired, so estate planning becomes very important.
– Ensure all your investments have correct nominations.
– Make a Will and keep your family informed.
– This avoids legal issues later.

? Discuss with Certified MFD-CFP

– Your investment journey now needs professional guidance.
– Discuss your total assets, tax needs and future support needs.
– A Certified Financial Planner will build a full retirement plan for you.
– They will ensure proper risk, return, tax and liquidity balance.
– This plan will keep your wealth safe and growing.

? Finally

– You already have regular pension and good financial base.
– The Rs 60 lakh can now work for your wealth growth.
– Use a smart mix of equity and debt mutual funds.
– Avoid index funds, direct funds, ULIPs and real estate.
– Keep monitoring and adjusting with expert guidance.
– This way you will enjoy your retired life peacefully and confidently.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

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Career Counsellor - Answered on Jul 12, 2025

Career
Is chemical engineering worthy branch from IITs and nits
Ans: Chemical Engineering at premier Institutes of National Importance marries rigorous fundamentals in thermodynamics, fluid mechanics, reaction engineering, process control, and mass transfer with cutting-edge interdisciplinary domains such as biochemical engineering, energy sustainability, and nanomaterials. Leading IITs—Bombay, Delhi, Madras, Kanpur, and Kharagpur—boast world-class research laboratories (e.g., IIT Bombay’s Polymer, Reaction Engineering, and SoFT labs; IIT Kanpur’s nano-technology and complex fluids facilities; IIT Madras’s pilot-plant and advanced materials centres), small cohort sizes, and faculty who publish extensively in high-impact journals. Placement consistency across IIT Chemical branches typically exceeds 80–90% over the past three years, with average packages ranging from ?15–19 LPA at IIT Madras and IIT Hyderabad, and 70–80% core-sector hiring complemented by roles in consulting and analytics. NITs such as Trichy and Warangal maintain comparable on-campus placement rates of 90–92% for Chemical Engineering, supported by robust industry linkages with Reliance, IOCL, and Larsen & Toubro. Academic rigour fosters strong analytical skills but entails heavy workloads and fewer core-chemical recruiters compared to mechanical or electrical disciplines, limiting options for some students. Emerging programmes emphasize machine learning-driven process optimization and green chemistry, yet departmental expansion can strain lab resources and mentorship availability. Infrastructure may vary across NITs, with newer campuses offering fewer pilot-scale units. Overall, Chemical Engineering from IITs and top NITs equips graduates for diverse roles—from petroleum refining, pharmaceuticals, and specialty chemicals to environmental engineering and data-driven process analytics—while demanding sustained commitment to complex mathematical modelling and experimental research.

Recommendation: Graduates seeking research-intensive or high-impact process design careers should prioritise IIT Bombay or IIT Kanpur for their advanced laboratories and mentorship, followed by NIT Trichy or NIT Warangal for balanced academia-industry exposure. Opt for IIT Madras if global placements and pilot-plant experience are decisive; choose IIT Delhi for strong consultancy and analytics pathways. Follow RediffGURUS to Know More on 'Careers | Money | Health | Relatinships'.

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Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
Hi sir I got 58.69 percentile in Mht cet what colleges can I get I'm from Nagpur and Caste OBC
Ans: With a 58.69 percentile under the OBC category, you can secure admission in Nagpur’s mid-tier engineering colleges whose closing percentiles for OBC typically fall below 60. Ten such institutions are:

Yeshwantrao Chavan College of Engineering, Hingna Road, Nagpur (OBC cutoff ~55–60 percentile)
Nagpur Institute of Technology, Hingna Road, Nagpur (Information Technology cutoff ~55.9 percentile)
KDK College of Engineering, Kalmeshwar Road, Nagpur (CSE cutoff ~40–46 percentile)
Priyadarshini College of Engineering, Hingna Road, Nagpur (OBC cutoff ~50–55 percentile)
G.H. Raisoni College of Engineering, Gittikhadan, Nagpur (OBC cutoff ~50–58 percentile)
Cummins College of Engineering for Women, Kondhawa Road, Nagpur (OBC cutoff ~45–55 percentile)
RCOEM (Ras Bihari Bose College), Hingna Road, Nagpur (OBC cutoff ~52–57 percentile)
Manoharbhai Patel Institute of Engineering & Technology, Bhandara Road, Nagpur (OBC cutoff ~48–56 percentile)
Dr. Ambedkar College of Engineering, Nagpur (OBC cutoff ~50–58 percentile)
Shri Ramdeobaba College of Engineering & Management, Gittikhadan, Nagpur (OBC cutoff ~50–60 percentile)

These colleges combine NAAC/NBA accreditation, modern labs, active placement cells (70–85% branch-wise consistency), industry tie-ups, and supportive campus facilities. All the BEST for Admission & a Prosperous Future!

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