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Ramalingam Kalirajan |10872 Answers |Ask -Follow
Mutual Funds, Financial Planning Expert - Answered on Jun 21, 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
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
Asked by Anonymous - Jun 14, 2024Hindi
I'm 45 years old unemployed single living in own house, no loans, with 5 crores investment, i'm a very simple ordinary common middle class life style person with minimal needs for my own , please advice how to manage the finance, i don't prefer risky market related products, i have made loss of 40 lakhs in derivative trading, and my liking is for nsc scheme and bank fd, thank you
Ans: it's great to hear that you have a substantial amount saved and that you prefer a low-risk approach to your finances. Given your preference for NSC schemes and bank FDs, we can create a solid plan that aligns with your comfort zone and ensures you can live comfortably while safeguarding your principal amount.
Understanding Your Financial Situation
You are 45 years old, single, and unemployed. You live in your own house, have no loans, and have Rs 5 crores in investments. You prefer low-risk financial products and have previously incurred losses in derivative trading.
Setting Financial Goals
The first step is to set clear financial goals. Since you have minimal needs and prefer a middle-class lifestyle, your goals might include:
Ensuring a steady income to cover your living expenses.
Protecting your principal amount.
Having some liquidity for emergencies.
Planning for future healthcare needs.
Building an Emergency Fund
An emergency fund is crucial to cover unexpected expenses. Given your situation, setting aside 6 to 12 months of living expenses is advisable.
Emergency Fund:
Set aside Rs 20 lakhs in a high-interest savings account or a liquid mutual fund.
This ensures easy access to funds during emergencies.
Generating Regular Income
To generate a steady income, you can invest in safe and reliable instruments. Here’s how to allocate your Rs 5 crores:
Fixed Deposits (FDs):
Invest Rs 1.5 crores in bank fixed deposits.
Choose FDs with different maturities for better liquidity.
Opt for monthly or quarterly interest payouts to ensure regular income.
National Savings Certificates (NSC):
NSC is a safe investment with guaranteed returns.
Invest Rs 1 crore in NSCs for long-term safety and decent interest.
Interest is compounded annually and is tax-free.
Diversified Low-Risk Portfolio
To further diversify your investments while keeping risk low, consider the following:
Post Office Monthly Income Scheme (POMIS):
Invest Rs 45 lakhs in POMIS.
Provides a regular monthly income with a low-risk profile.
Senior Citizens Savings Scheme (SCSS):
If you are above 60, you can invest in SCSS.
Since you're 45, consider this option when you reach the eligible age.
SCSS offers regular interest payouts with safety.
Keeping Some Liquidity
It's important to have some liquid investments for easy access to funds. Here's how:
Short-Term Debt Funds:
Allocate Rs 50 lakhs to short-term debt funds.
These funds are low-risk and provide better returns than savings accounts.
They are ideal for maintaining liquidity and earning modest returns.
Health Insurance and Term Insurance
Having adequate insurance is essential to protect your financial future. Consider the following:
Health Insurance:
Ensure you have a comprehensive health insurance policy.
This will cover medical expenses without depleting your savings.
Term Life Insurance:
A term plan provides financial security in case of any unfortunate event.
Ensure you have a term insurance policy with adequate coverage.
Efficient Tax Planning
Efficient tax planning can save you money. Invest in tax-saving instruments and claim deductions:
Section 80C:
Invest in PPF, ELSS, or NSC to claim deductions up to Rs 1.5 lakh.
Section 80D:
Claim deductions for health insurance premiums.
Regular Monitoring and Adjustments
Financial planning is not a one-time activity. Regularly monitor your investments and make adjustments as needed. Here are some tips:
Annual Review:
Review your financial goals and progress annually.
Adjust your investments based on performance and market conditions.
Consult a Certified Financial Planner:
A CFP can provide professional advice and help you stay on track.
They can also assist in rebalancing your portfolio.
Managing Debt
Avoid taking unnecessary loans. If you have existing debt, prioritize paying it off. Here’s how:
Debt Repayment Strategy:
List all debts and their interest rates.
Pay off high-interest debts first.
Use any surplus funds to clear debts faster.
Setting Up a Retirement Fund
While planning for your current financial needs, don’t neglect your retirement. Start investing early for a secure retirement:
Employees’ Provident Fund (EPF):
Ensure you contribute to EPF.
It offers tax benefits and long-term savings.
National Pension System (NPS):
NPS is a good option for retirement planning.
It offers tax benefits under Section 80CCD.
Teaching Financial Literacy
Teaching yourself financial literacy is crucial. Building good habits will benefit you in the long run:
Simple Saving:
Understand the importance of saving money.
Use a budgeting app to track expenses and savings.
Basic Investing:
Learn the basics of investing.
Understand how different investment options work.
Final Insights
Financial planning is a journey. It requires discipline, regular monitoring, and adjustments. With proper planning, you can manage your loan repayments, start saving, and invest for a secure future. Remember to stay focused, be patient, and seek professional advice when needed. You are already taking a great step by planning for the future, and with consistent efforts, you will succeed.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
Understanding Your Financial Situation
You are 45 years old, single, and unemployed. You live in your own house, have no loans, and have Rs 5 crores in investments. You prefer low-risk financial products and have previously incurred losses in derivative trading.
Setting Financial Goals
The first step is to set clear financial goals. Since you have minimal needs and prefer a middle-class lifestyle, your goals might include:
Ensuring a steady income to cover your living expenses.
Protecting your principal amount.
Having some liquidity for emergencies.
Planning for future healthcare needs.
Building an Emergency Fund
An emergency fund is crucial to cover unexpected expenses. Given your situation, setting aside 6 to 12 months of living expenses is advisable.
Emergency Fund:
Set aside Rs 20 lakhs in a high-interest savings account or a liquid mutual fund.
This ensures easy access to funds during emergencies.
Generating Regular Income
To generate a steady income, you can invest in safe and reliable instruments. Here’s how to allocate your Rs 5 crores:
Fixed Deposits (FDs):
Invest Rs 1.5 crores in bank fixed deposits.
Choose FDs with different maturities for better liquidity.
Opt for monthly or quarterly interest payouts to ensure regular income.
National Savings Certificates (NSC):
NSC is a safe investment with guaranteed returns.
Invest Rs 1 crore in NSCs for long-term safety and decent interest.
Interest is compounded annually and is tax-free.
Diversified Low-Risk Portfolio
To further diversify your investments while keeping risk low, consider the following:
Post Office Monthly Income Scheme (POMIS):
Invest Rs 45 lakhs in POMIS.
Provides a regular monthly income with a low-risk profile.
Senior Citizens Savings Scheme (SCSS):
If you are above 60, you can invest in SCSS.
Since you're 45, consider this option when you reach the eligible age.
SCSS offers regular interest payouts with safety.
Keeping Some Liquidity
It's important to have some liquid investments for easy access to funds. Here's how:
Short-Term Debt Funds:
Allocate Rs 50 lakhs to short-term debt funds.
These funds are low-risk and provide better returns than savings accounts.
They are ideal for maintaining liquidity and earning modest returns.
Health Insurance and Term Insurance
Having adequate insurance is essential to protect your financial future. Consider the following:
Health Insurance:
Ensure you have a comprehensive health insurance policy.
This will cover medical expenses without depleting your savings.
Term Life Insurance:
A term plan provides financial security in case of any unfortunate event.
Ensure you have a term insurance policy with adequate coverage.
Efficient Tax Planning
Efficient tax planning can save you money. Invest in tax-saving instruments and claim deductions:
Section 80C:
Invest in PPF, ELSS, or NSC to claim deductions up to Rs 1.5 lakh.
Section 80D:
Claim deductions for health insurance premiums.
Regular Monitoring and Adjustments
Financial planning is not a one-time activity. Regularly monitor your investments and make adjustments as needed. Here are some tips:
Annual Review:
Review your financial goals and progress annually.
Adjust your investments based on performance and market conditions.
Consult a Certified Financial Planner:
A CFP can provide professional advice and help you stay on track.
They can also assist in rebalancing your portfolio.
Managing Debt
Avoid taking unnecessary loans. If you have existing debt, prioritize paying it off. Here’s how:
Debt Repayment Strategy:
List all debts and their interest rates.
Pay off high-interest debts first.
Use any surplus funds to clear debts faster.
Setting Up a Retirement Fund
While planning for your current financial needs, don’t neglect your retirement. Start investing early for a secure retirement:
Employees’ Provident Fund (EPF):
Ensure you contribute to EPF.
It offers tax benefits and long-term savings.
National Pension System (NPS):
NPS is a good option for retirement planning.
It offers tax benefits under Section 80CCD.
Teaching Financial Literacy
Teaching yourself financial literacy is crucial. Building good habits will benefit you in the long run:
Simple Saving:
Understand the importance of saving money.
Use a budgeting app to track expenses and savings.
Basic Investing:
Learn the basics of investing.
Understand how different investment options work.
Final Insights
Financial planning is a journey. It requires discipline, regular monitoring, and adjustments. With proper planning, you can manage your loan repayments, start saving, and invest for a secure future. Remember to stay focused, be patient, and seek professional advice when needed. You are already taking a great step by planning for the future, and with consistent efforts, you will succeed.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
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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Career Counsellor - Answered on Dec 07, 2025
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!
Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.
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
Thankyou
Ans: Welcome Sree.
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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025
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
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.
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