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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Jul 15, 2025

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more

Question by Biswadip on Jul 14, 2025Hindi

Money

Sir, I'm 40 yrs old having corpus of 35Lakh rupee. Emergency fund having 5lakh (one year expenditure) in FD additionally. No loan is there. No short term goal. Term insurance and Health insurance are also present. I've calculated that after 10 years, if my money becomes 1.5cr , then I can retire from my job. Now tell me what would be my possible investment plan of this 35Lakh, so that in 10 years it can reach 1.5 cr.

Ans: Hello Biswadip, to compound your 35L to 1.5Cr in the next 10 years, you need to invest in an asset class that will yield a CAGR of 15.67%. This does not factor in the taxation that will be attracted with the growth in capital and the inflation factor that will eat away some part of your returns. Visit my website www.slwealthsolutions.com and let me know if you would like to have a detailed conversation around this.

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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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Feb 18, 2024Hindi

Money

Dear sir I am 60 years old and going to be retired in coming April 24. I may get a corpus fund of Rs 1Cr. Can you suggest me a better investment plan. My elder daughter is Studying BAMS final year. Younger son is ECE - Third year. My plan is 30 L Senior citizens savings scheme @PO. 9 L at MIS Scheme @PO. 5 L each in the name of My daughter and Son @Bank FD. 15 L as a top at Pension scheme so that the Pension corpus fund becomes 50L and the pension amount per month is around 29 Thousand. Can you in this regard

Ans: Given your age, retirement, and the financial responsibilities you mentioned, here's a suggested investment plan:

Senior Citizens Savings Scheme (SCSS):
Investing 30 Lakh in SCSS is a good choice as it offers a guaranteed interest rate and is specifically designed for senior citizens. The current interest rate is higher than most fixed deposit rates, and the tenure is 5 years, which aligns well with your retirement planning.
Monthly Income Scheme (MIS):
Allocating 9 Lakh to the MIS at the Post Office can provide you with a steady monthly income. The interest rate is slightly lower than SCSS, but it provides liquidity as the tenure is shorter.
Bank Fixed Deposits for Children:
Investing 5 Lakh each in Bank FDs in the name of your daughter and son is a safe and straightforward option. Ensure the FDs are in their names to avail tax benefits and potentially better interest rates for them.
Pension Scheme:
Investing 15 Lakh to top-up your Pension Scheme to make the corpus 50 Lakh is a wise move. It will increase your monthly pension to around 29 Thousand, providing you with a regular income stream post-retirement.
Additional Suggestions:

Emergency Fund:
Set aside a portion of your corpus as an emergency fund. This fund should be easily accessible and cover at least 6-12 months of your living expenses.
Health Insurance:
As you're nearing retirement, consider purchasing or upgrading your health insurance to cover any medical emergencies.
Inflation:
Keep in mind the impact of inflation on your expenses and plan your investments accordingly to ensure your corpus grows over time.
Review and Rebalance:
Regularly review your investment portfolio and make necessary adjustments based on market conditions, your financial needs, and goals.
Lastly, it would be beneficial to consult with a certified financial planner or advisor to tailor this plan to your specific needs and ensure a comfortable retirement for you and financial security for your children's education and future.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

Asked by Anonymous - Jun 25, 2025Hindi

Money

Hi Sir, I'm 36 year old, with a debt of 26 lakh that include 15 lakh home loan and 11 lakh car loan. My take home salary is 2.05 L per month after additional deduction of 10.5K NPS and 10K VPF. My current saving in 27L in PF, 14L in NPS, Managing 2 PPF account with current corpus of 44L, 3 LIC policies with payment of 1.08L annually started 14 years ago and will be matured in 2040, 2 Child education plan with premium of 1 L annually and will be matured on 2035. 8 L in demat account. My wife is house wife and my child is in 4th standard. My monthly expenses approx 61K Loan EMI and 25K tution fees + household expenses. I wanted to make 5 cr corpus in next 10 years. Please guide any saving / investment plan to make it possible.

Ans: You have built a solid foundation already. At age 36, with structured savings and discipline, you are moving in the right direction. But reaching Rs. 5 crore in 10 years needs careful assessment, goal alignment, and efficient capital use.

Let’s work step-by-step to help you build the right path. This response will cover all areas of your finances from a 360-degree view.

Understanding Your Current Financial Position
– Monthly take-home is Rs. 2.05L
– Rs. 10.5K goes to NPS and Rs. 10K to VPF
– Total monthly outgo in loans is Rs. 61K
– Tuition fees and household expense total around Rs. 25K monthly
– Your surplus each month is about Rs. 1.09L
– You are financially stable with good surplus to invest
– That surplus must now be channelled efficiently

Review of Existing Investments
##Provident Fund and NPS
– You have Rs. 27L in PF and Rs. 14L in NPS
– These are safe, long-term tools for retirement
– But returns are moderate and fixed
– Don’t depend on these alone for wealth creation
– Continue contributions, but don't over-allocate here

##PPF Accounts
– Rs. 44L in two PPF accounts is significant
– PPF is safe but locked in till 15 years
– You already reached a sizable corpus here
– No need to add more to PPF now
– Returns are fixed and don’t beat inflation well

##Demat Holdings
– Rs. 8L in demat account shows risk appetite
– Stocks need deep research and time
– Continue with caution
– Avoid adding more if you can’t monitor closely
– Equity mutual funds are better for long-term growth

Analysis of Insurance Products
##LIC Policies
– You have 3 LIC policies with Rs. 1.08L annual premium
– Started 14 years ago and maturing in 2040
– These are likely endowment or money-back types
– Such plans give poor returns of 4% to 5%
– You are losing long-term growth here

– Since these were started long ago, continue them till maturity
– But don’t invest more in such plans going forward
– Avoid renewing or buying similar ones again
– Don’t use LIC for investment purpose
– Use it only for term cover if needed

##Child Education Plans
– Two policies, Rs. 1L annual premium each
– Maturing in 2035, for child education
– These are usually mix of insurance and investment
– They underperform mutual funds in long run
– Since you already invested for several years, you may continue
– But don’t buy new ones going forward

– From now on, use mutual funds for child goals
– Keep these policies until maturity if surrender value is low

Loan Analysis and Debt Strategy
– You have Rs. 15L home loan and Rs. 11L car loan
– EMI is Rs. 61K monthly
– That is reasonable, within 30% of your income
– Try to prepay the car loan in next 1 to 2 years
– It is a depreciating asset with high interest
– Don’t prepay home loan urgently now
– Let that continue for tax benefits

– If you receive bonus or surplus, first reduce car loan
– Then start investing more for wealth building

Monthly Cash Flow and Savings Ability
– Your net monthly income: Rs. 2.05L
– Loan EMI: Rs. 61K
– Tuition and household: Rs. 25K
– Surplus each month: Rs. 1.09L approx

– This is your wealth creation engine
– But it must be used well
– PPF, VPF, LIC, NPS alone will not take you to Rs. 5 crore
– You need aggressive equity investments with professional guidance

Target: Rs. 5 Crore in 10 Years
– This is a steep and ambitious goal
– But possible with right strategy and consistency
– You must invest at least Rs. 1L every month into high-growth tools
– Use only actively managed mutual funds for this goal

– Avoid index funds, they just copy the market
– They don’t protect your investment during market falls
– In contrast, actively managed funds are handled by expert fund managers
– They shift between sectors and opportunities to optimise gains
– This is crucial for a 10-year goal

– Also, avoid direct plans of mutual funds
– They may look cheaper, but they offer no guidance
– When markets fall, many direct investors stop SIPs out of fear
– Regular plans via a Certified Financial Planner offer discipline, reviews, and support
– That gives you peace of mind and better returns

– Build your mutual fund portfolio with guidance
– Use a mix of large-cap, mid-cap, flexi-cap and hybrid categories
– Review it every 6 months with your planner
– Increase SIPs yearly as income rises
– Stick to the plan even during market ups and downs

Optimising Insurance and Risk Coverage
– You didn’t mention your term insurance
– Please ensure you have at least Rs. 1.5 crore term cover
– Your child is dependent on you
– And spouse is a homemaker
– Don’t mix insurance with investment
– Keep pure term insurance separately

– Also, check your health insurance
– You must have at least Rs. 10L family floater
– Relying on corporate insurance alone is risky
– It stops if job changes or retirement happens
– Separate personal health cover is a must

Emergency Fund Planning
– You didn’t mention emergency fund
– You need at least 6 to 9 months’ expenses saved separately
– This should be kept in liquid mutual funds or FD
– Don’t touch it for investment
– Only for true emergencies like job loss or medical need

Step-by-Step Action Plan
– Start SIP of Rs. 1L per month into mutual funds
– Choose actively managed equity funds only
– Avoid index funds, direct plans, and ETFs
– Use regular plan via Certified Financial Planner

– Don’t invest more in PPF, VPF, or NPS
– Don’t take new insurance or child plans
– Shift focus towards wealth creation, not only tax saving

– Clear car loan in 2 years
– Continue home loan for tax benefit
– If you get bonus, use part for SIP top-up, part for loan prepayment

– Review SIP portfolio every 6 months
– Stick to the plan during all market cycles
– Increase SIP by 10–15% yearly as salary grows
– Avoid stopping SIPs for small short-term needs

Tax Implication on Mutual Funds
– Equity fund gains above Rs. 1.25L (after 1 year) taxed at 12.5%
– Equity gains before 1 year taxed at 20%
– Debt fund gains taxed as per your tax slab
– Keep these in mind when you plan redemptions

– Use the help of a Certified Financial Planner to manage tax-efficient withdrawals

Finally
You are financially aware and disciplined. That gives you a clear advantage.

But traditional tools like LIC, PPF, VPF, NPS alone won’t deliver Rs. 5 crore in 10 years. They are safe but too slow.

To reach your goal, the key is this:

Shift your monthly surplus of Rs. 1L to professionally managed mutual funds

Use only regular plans through Certified Financial Planner

Avoid direct or index options

Don’t stop or delay SIPs – let them grow for full 10 years

Keep emotions away from investment. Trust the process and review regularly.

This is a high goal. But you are in a strong position to chase it with right planning and expert help.

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Question by Biswadip - Jul 14, 2025Hindi

Money

Sir, I'm 40 yrs old having corpus of 35Lakh rupee. Emergency fund having 5lakh (one year expenditure) in FD additionally. No loan is there. No short term goal. Term insurance and Health insurance are also present. I've calculated that after 10 years, if my money becomes 1.5cr , then I can retire from my job. Now tell me what would be my possible investment plan of this 35Lakh, so that in 10 years it can reach 1.5 cr.

Ans: You are already in a strong financial position.
You have Rs 5 lakh as emergency fund.
You have no loans and no short-term goals.
You have term insurance and health insurance in place.
Your plan to retire in 10 years is realistic.
You aim to grow Rs 35 lakh to Rs 1.5 crore.
That’s a very focused and inspiring goal.
Let us now create a 360-degree investment plan.
It will aim at disciplined wealth building over 10 years.

? Avoid keeping this Rs 35 lakh in FD or low-return options

– FD gives only 6% to 7% returns.
– With that return, your corpus will not grow fast.
– Inflation will eat into the real value of money.
– You will miss your retirement goal of Rs 1.5 crore.
– Safe instruments are not suitable for long-term growth.
– Keep only the emergency fund in FD, not more.
– You already have Rs 5 lakh for emergency. That’s enough.

? Don’t invest through direct funds without professional guidance

– Direct funds have lower expense ratio but come with hidden risks.
– Without a Certified Financial Planner, fund selection may be poor.
– There’s no personalised guidance or regular review.
– No help during market crashes or fund underperformance.
– Many investors panic and exit direct funds too early.
– That hurts the long-term compounding journey.
– Rebalancing and tax optimisation are usually ignored.

A CFP with MFD licence provides Regular Plan mutual funds.

This offers guidance, review, and handholding till goal is reached.

You may pay a small trail fee. But the value is much more.

It prevents wrong fund choices and emotional exits.

? Avoid Index Funds for such a focused 10-year growth goal

– Index funds only mirror the market.
– No active management is present.
– They cannot switch from poor-performing sectors.
– You miss the benefit of fund manager expertise.
– They offer no downside protection during market falls.
– Also, index funds rarely beat inflation after taxes.

Actively managed funds are better for goal-based investing.

They adapt based on economy, trends, and opportunities.

Over 10 years, the right active funds can beat inflation.

They give better returns with risk control.

? Allocate this Rs 35 lakh smartly across diversified mutual funds

– Put Rs 15 lakh in equity-oriented mutual funds.
– Choose 3 to 4 funds, not more.
– Include flexi-cap, large-and-mid cap, and multicap funds.
– These funds give growth with diversification.
– Add one aggressive hybrid fund for stability.
– Allocate Rs 10 lakh in hybrid and balanced funds.
– These reduce volatility but still offer growth.
– Keep Rs 10 lakh in a good dynamic asset allocation fund.
– These funds adjust equity and debt based on market conditions.

Avoid sectoral or thematic funds.

Avoid small-cap funds unless guided by a CFP.

Keep the portfolio simple, yet growth-focused.

? Don’t invest all Rs 35 lakh in one shot. Use STP

– Lump sum entry into equity is risky.
– Markets can fall after your investment.
– Instead, use STP from a debt fund to equity funds.
– Park Rs 25 lakh in ultra-short or liquid fund first.
– Start monthly STP to equity funds over next 12 to 18 months.
– This will average your entry cost.
– It protects your capital during market highs.

The remaining Rs 10 lakh can go directly into balanced funds.

These have lesser equity exposure and are less volatile.

? Follow this yearly review and rebalancing plan

– Check fund performance every 12 months.
– Remove funds that consistently underperform peers.
– Add new funds if required after CFP review.
– Ensure your asset allocation stays aligned with your plan.
– Rebalance if equity grows too fast or too slow.
– Rebalancing reduces both greed and fear.
– It keeps your portfolio aligned with your retirement goal.

Never stop your plan midway due to fear.

Market volatility is normal. Stay invested for the full 10 years.

? Use capital gains rules while planning any withdrawal

– If you sell equity funds after 1 year, gains above Rs 1.25 lakh taxed at 12.5%.
– If you sell before 1 year, short-term capital gain taxed at 20%.
– For debt and hybrid funds, tax is as per your income slab.

Do not redeem funds without calculating capital gains tax.

A CFP will help in exit planning with tax-efficiency.

? Keep insurance and contingency separately, not mixed with investments

– Never mix insurance with investments.
– Do not invest in ULIP or LIC endowment plans.
– If you hold such investment-cum-insurance plans, surrender them.
– Reinvest surrender proceeds in mutual funds via your CFP.

Keep only pure term insurance and family health insurance.

These protect your wealth, not dilute it.

? Include an SIP if you can invest monthly also

– SIP creates discipline and boosts corpus.
– Even Rs 5,000 per month SIP adds strength to your plan.
– If income allows, do SIP into same fund categories.
– Prefer long-term SIPs for better rupee cost averaging.

You can step-up SIPs as your income grows.

SIPs combined with lump sum creates strong growth.

? Build a withdrawal strategy for retirement after 10 years

– Once you hit Rs 1.5 crore, plan systematic withdrawal.
– Don’t withdraw the whole amount.
– Keep some money invested for future years.
– Use SWP from debt funds for monthly needs.
– Create a 5-year liquidity bucket for post-retirement.
– Keep the rest invested in balanced or low-volatility funds.

A step-wise withdrawal plan reduces tax and extends your money.

Don’t retire without a proper SWP and asset reallocation plan.

? Track goal progress every year with your CFP

– Review if the current growth matches your target.
– If return is lower than expected, adjust allocation.
– If return is higher, protect gains.
– Stick to your SIP/STP timeline without breaks.

Don’t act based on market news.

Focus only on your goal and risk level.

? Finally

Your Rs 35 lakh can definitely grow to Rs 1.5 crore in 10 years.

But not in bank FD or low-return plans.

Avoid direct funds, index funds, and bank-led investments.

Don’t use ULIPs or LIC endowment policies.

Split investment across equity, hybrid, and dynamic funds.

Start STP from liquid funds into equity funds.

Review the portfolio yearly with your CFP.

Use capital gain planning while exiting.

Add SIPs if possible for added strength.

Retirement is achievable. But plan and act with professional guidance.

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

Latest Questions

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025

Ans: Welcome Sree.

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
Follow me if you receive this reply.
Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

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hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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