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45-Year-Old Asks: Can I Retire Comfortably in 5 Years with 5 Crore Corpus?

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 29, 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
Asked by Anonymous - Aug 15, 2024Hindi
Money

Hi, 1. I am 45 yrs old & am plg to retire in NXT 5 yrs. I have a monthly income of 2.50 lakhs. I have saved 1.20 cr in PPF & am contributing Rs 50k / month. 2. In addition I do SIP in MF of approx Rs 85k/ month & have built a corpus of 1 Cr. 3. I also invest in shares & my portfolio is approx 95 lacs. 4. I have approx 30 lakhs in FD & 15 Lakhs in bank savings account. I own two houses. 5. I have no loan or debt. What can I do to retire comfortably by 50yrs & to have a corpus of approx 5 Cr

Ans: You are in a strong financial position. At 45 years old, you plan to retire in five years with a well-structured portfolio. Your monthly income of Rs 2.50 lakhs allows you to save and invest significantly. Your savings include Rs 1.20 crore in PPF, Rs 1 crore in mutual funds through SIPs, Rs 95 lakhs in shares, Rs 30 lakhs in fixed deposits, and Rs 15 lakhs in a savings account. Additionally, you own two houses and have no loans or debts. Your goal is to accumulate a corpus of Rs 5 crores by the time you retire at 50.

Let’s analyse and evaluate your current financial standing and map out the path to achieving your retirement goal.

Evaluating Your Current Investments
Public Provident Fund (PPF):

You’ve built a substantial Rs 1.20 crore corpus in PPF, contributing Rs 50,000 monthly.

PPF is a safe and tax-efficient investment, offering guaranteed returns.

However, consider the impact of inflation. The real return on PPF may be lower than other growth-oriented investments.

Mutual Funds via SIPs:

Your Rs 1 crore corpus in mutual funds shows disciplined investing.

SIPs offer the benefit of rupee cost averaging and are suitable for long-term goals.

Ensure your mutual funds are well-diversified across different categories (equity, debt, hybrid) for balanced risk.

Share Portfolio:

With Rs 95 lakhs invested in shares, you’ve built a significant equity portfolio.

Equity investments offer higher growth potential but come with market risks.

Diversify your stock holdings to mitigate risks and ensure alignment with your retirement goals.

Fixed Deposits (FDs):

Your Rs 30 lakhs in fixed deposits provide security and liquidity.

However, FDs offer lower returns compared to equity and mutual funds.

Evaluate if this amount could be better utilized in more growth-oriented instruments while maintaining necessary liquidity.

Bank Savings Account:

The Rs 15 lakhs in your savings account is essential for immediate liquidity needs.

However, consider moving a portion to a liquid fund for better returns without compromising accessibility.

Planning for Retirement
To retire comfortably at 50 with a corpus of Rs 5 crores, strategic planning is crucial. Here's how you can structure your investments and savings for the next five years:

Increase Equity Exposure:

Review your mutual fund portfolio: Consider reallocating your SIPs towards equity-focused funds if they are not already. Equity mutual funds generally offer higher returns over the long term, which is essential for growing your retirement corpus.

Direct Equity Investments: Continue to monitor your stock portfolio. Consider rebalancing it to ensure it aligns with your retirement goals. High-risk stocks should be gradually shifted to more stable, blue-chip stocks as you approach retirement.

Optimise PPF Contributions:

Assess Contribution Levels: The Rs 50,000 monthly contribution to PPF is excellent for tax savings and guaranteed returns. However, with your retirement horizon being short, focus more on equity for better growth. You may want to gradually reduce your PPF contributions and redirect those funds into high-growth equity funds.
Review Fixed Deposits:

Reallocate FD Funds: With Rs 30 lakhs in FDs, you have ensured safety, but at the cost of higher returns. Consider moving a portion into debt mutual funds or hybrid funds that can offer better returns with moderate risk, especially if you don’t need immediate access to the entire FD amount.
Utilise Savings Account Efficiently:

Liquid Funds for Better Returns: Keep Rs 5-10 lakhs in your savings account for emergency needs and move the rest into a liquid fund. This will provide similar liquidity with better returns.
Creating a 360-Degree Retirement Strategy
Diversification and Asset Allocation:

Diversify Across Asset Classes: Maintain a balanced portfolio across equity, debt, and alternative investments. As you get closer to retirement, gradually shift more funds into less volatile instruments to protect your corpus.

Periodic Review: Regularly review and rebalance your portfolio to stay on track. Adjust your investments according to market conditions and your changing risk tolerance as you near retirement.

Tax Efficiency:

Tax-Optimized Investments: Utilize tax-saving instruments under Section 80C, but prioritize those offering growth, such as equity-linked savings schemes (ELSS), over traditional options like PPF.

Capital Gains Management: Plan the sale of your equity investments to optimize long-term capital gains tax, considering the annual exemption limit.

Insurance and Contingency Planning:

Health Insurance: Ensure you have adequate health insurance to cover medical emergencies without dipping into your retirement corpus. A top-up health insurance plan can be cost-effective.

Life Insurance: If you have dependents, maintain adequate life insurance to secure their financial future. Term insurance is preferable for its higher coverage at lower premiums.

Emergency Fund: Ensure you maintain an emergency fund equivalent to 6-12 months of expenses, kept in a highly liquid, low-risk account.

Retirement Income Planning:

Systematic Withdrawal Plans (SWPs): Consider setting up SWPs from your mutual fund investments to create a regular income stream post-retirement. This provides both income and continued investment growth.

Income Generating Assets: Evaluate your real estate assets to see if they can generate rental income. However, avoid heavy reliance on real estate for post-retirement income due to liquidity issues.

Post-Retirement Strategy:

Longevity Planning: Plan for a retirement that could span 30 years or more. Ensure your investments are structured to provide consistent income throughout your retirement.

Inflation Protection: Focus on investments that can outpace inflation over the long term. Equities and equity-oriented mutual funds should still be part of your portfolio even in retirement.

Estate Planning:

Will and Nomination: Ensure your will is updated and that all your investments have proper nominations. This avoids legal complications for your heirs.

Trusts and Legacy Planning: If you wish to leave a legacy or support charitable causes, consider setting up a trust or other estate planning tools that align with your values and financial situation.

Disadvantages of Index Funds and Direct Funds
Index Funds:

Limited Growth: Index funds mirror the market index and cannot outperform it. Active funds, on the other hand, have the potential to deliver higher returns through strategic management.

Market Dependency: Index funds are fully exposed to market downturns. Active funds can adjust their holdings to reduce risks during such periods.

Direct Funds:

Lack of Guidance: Investing directly in mutual funds without a Certified Financial Planner's guidance can lead to suboptimal decisions.

Hidden Costs: While direct funds have lower expense ratios, the potential cost of making uninformed choices could outweigh these savings.

Advantages of Regular Funds:

Expert Management: Investing through a Certified Financial Planner ensures that your investments are continuously monitored and adjusted for optimal performance.

Holistic Financial Planning: Regular funds come with the added benefit of financial planning advice, which includes portfolio rebalancing, tax planning, and retirement planning.

Final Insights
Your current financial health is robust, and you are on the right track. However, achieving your retirement goal of Rs 5 crores requires careful planning and strategic adjustments. By reallocating your existing investments towards more growth-oriented options, optimizing your tax strategy, and ensuring a well-rounded retirement plan, you can comfortably achieve your retirement goals.

It’s important to periodically review and rebalance your portfolio, particularly as you approach retirement. Working closely with a Certified Financial Planner can provide the necessary guidance and expertise to help you navigate this critical phase of your life.

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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Hello Team, I am 39 yrs old and currently have 40 lakhs in mutual fund and doing a SIP of 1lakh 10 k monthly, i have shares around 15 lakhs and around 22 lakhs in crypto and 14 lakhs in PF. Currently i have 13 lakhs home loan, 4.5 lakhs car loan and also bought a new house where 1.9 cr loan will be taken. My plan is to sell the current house which will fetch me 1 cr so ideally 90 lakhs loan will remain in future. Please advise me how can i retire at 45 with corpus of 5 to 6 cr.
Ans: Frst, congratulations on building a substantial investment portfolio and planning for your financial future. Managing diverse investments and loans can be challenging, but with strategic planning, your goals are achievable.

Current Assets and Liabilities
Let's summarise your financial standing:

Mutual Funds: ?40 lakhs
SIPs: ?1.10 lakhs monthly
Shares: ?15 lakhs
Cryptocurrency: ?22 lakhs
Provident Fund (PF): ?14 lakhs
Home Loan (Existing): ?13 lakhs
Car Loan: ?4.5 lakhs
New Home Loan: ?1.9 crores (expected to reduce to ?90 lakhs after selling the current house)
Evaluating Your Retirement Goal
You aim to retire at 45 with a corpus of ?5 to ?6 crores. Given your current age of 39, you have six years to build this corpus.

Managing Existing Loans
Current Home Loan
You plan to sell your current house for ?1 crore, which will help reduce your new home loan to ?90 lakhs. This is a sound strategy to lower your debt.

Car Loan
The car loan of ?4.5 lakhs is relatively small. Consider paying it off early if possible, as this will reduce your monthly outflows and save on interest.

Investment Strategy
Mutual Funds and SIPs
You have ?40 lakhs in mutual funds and a monthly SIP of ?1.10 lakhs. This disciplined approach will significantly contribute to your retirement corpus.

Continue Your SIPs: Maintaining your SIPs is crucial. Consider increasing the SIP amount if your income allows, as this will accelerate your corpus growth.

Actively Managed Funds: Focus on actively managed funds with a consistent performance record. These funds aim to outperform the market and can help achieve your target returns.

Equity Investments
You have ?15 lakhs in shares. Equities can provide high returns over the long term, but they are volatile.

Diversification: Ensure your equity portfolio is diversified across sectors to manage risk.

Regular Review: Monitor your equity investments and rebalance your portfolio as needed to align with market conditions.

Cryptocurrency
Cryptocurrency investments worth ?22 lakhs are high-risk. While they can offer substantial returns, the volatility is significant.

Limit Exposure: Consider limiting your exposure to cryptocurrencies to avoid excessive risk.

Reallocate Gains: If there are substantial gains, consider reallocating some of these funds to more stable investments.

Retirement Corpus Calculation
Estimating Required Returns
To achieve a corpus of ?5 to ?6 crores in six years, you need to focus on high-growth investments while managing risks.

Compound Growth
Your existing investments and monthly SIPs will grow significantly due to compounding. Here’s a simplified approach:

Mutual Funds and SIPs: With aggressive and balanced mutual funds, aim for an annualised return of 12-15%.

Equities and Crypto: While high-risk, these can offer returns above 15%, but exposure should be managed carefully.

Debt Management
Reducing Loan Burden
Pay Off Small Loans: Clear the car loan and any other small debts to reduce financial stress.

New Home Loan: Focus on prepaying the new home loan. Reducing this loan early will significantly lower your interest burden and increase disposable income for investments.

Professional Guidance
Consulting a Certified Financial Planner (CFP) can help tailor your investment strategy. A CFP can provide personalised advice, monitor your portfolio, and make necessary adjustments.

Regular Monitoring and Rebalancing
Review Portfolio: Regularly review your investment portfolio to ensure alignment with your retirement goals.

Rebalance Investments: Periodically rebalance your investments to manage risk and optimise returns.

Conclusion
With disciplined investing, strategic debt management, and professional guidance, retiring at 45 with a corpus of ?5 to ?6 crores is achievable. Focus on high-growth investments, manage risks, and regularly review your portfolio to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Asked by Anonymous - Aug 07, 2024Hindi
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Hello Sir I am 37 year old male, sole earner of the family and have wife and two kids(7 & 2). I have a MF portfolio of 1.1 Cr with 1.5L SIPs per month. I also have a stock portfolio of 1.3Cr. My monthly take home salary is 5L. I have around 30L in PF. I have properties worth 3 Cr and a home loan EMI of 1.5L pm. Can you suggest what changes I need to do to retire at 50 years with a net corpus of 25Cr.
Ans: Current Financial Situation

You're 37 years old with a family of four.
Your take-home salary is Rs. 5 lakhs per month.
You have a strong investment portfolio already.

Investment Portfolio

Mutual Funds: Rs. 1.1 Crore with Rs. 1.5 lakh monthly SIP.
Stocks: Rs. 1.3 Crore
PF: Rs. 30 lakhs
Properties: Worth Rs. 3 Crore

Liabilities

Home loan EMI: Rs. 1.5 lakhs per month
This is a significant part of your monthly income.

Retirement Goal

You want to retire at 50 with Rs. 25 Crore corpus.
That's 13 years from now.
It's an ambitious but achievable goal with your income.

Increasing Investments

Consider increasing your monthly SIP amount.
You can potentially invest more from your salary.
Try to increase investments by 10% each year.

Diversification

Your portfolio seems tilted towards equity and property.
Consider adding some debt funds for balance.
This can help manage risk as you near retirement.

Emergency Fund

Ensure you have 6-12 months of expenses saved.
This protects your investments during emergencies.
Keep this in easily accessible, low-risk options.

Insurance Coverage

Review your life and health insurance.
Ensure adequate coverage for your family's security.
Consider disability insurance too.

Property Investment

Your property investment is significant.
Consider if it's giving good returns.
Think about selling some if returns are low.

Loan Repayment

Try to repay your home loan faster.
This will free up more money for investments.
Consider using bonuses or stock gains for prepayment.

Tax Planning

Maximize your tax-saving investments.
Use Section 80C, 80D, and other benefits fully.
This can help you invest more towards your goal.

Regular Portfolio Review

Review your investment mix every year.
Rebalance to maintain the right risk level.
Shift to safer options as you near 50.

Children's Education Planning

Factor in future education costs for your kids.
Start separate investments for this if not done already.
This ensures your retirement corpus isn't affected.

Finally

Your goal is challenging but possible with discipline.
Increase your investments steadily over the years.
Consider talking to a Certified Financial Planner for a detailed plan.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 18, 2024

Asked by Anonymous - Oct 17, 2024Hindi
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I am 50 now and I want to retire at the age of 56 and my monthly expenditure is 40000PM and i have two daughters presently studying in 10th and 11th class. below mentioned financial situation please suggest me way forward on how can manage to retire or better my situation I have a 1Cr in Bank FD 12 lacs inequity ( invested 8lacs in 2021) PF as of today its accumulated to 25 lacs i am doing SIP worth rs6000 from2011 in different funds which is worth around 15 lacs now recently from feb2024 I stared doing 50000 thousands monthly SIP just last month i invested 12 lacs in hybrid mutual funds I had a house loan which is cleared now and besides this i have medical insurance which i pay 54000 for the complete family Per anum and Term insurance for which i pay 51000 PA
Ans: You are 50 years old, with a goal to retire at 56. Your monthly expenditure is Rs 40,000, and you have two daughters currently studying in 10th and 11th standards, who will require financial support for their education.

Your current financial assets include:

Rs 1 crore in Bank FD
Rs 12 lakhs in equity (invested Rs 8 lakhs in 2021)
Rs 25 lakhs accumulated in PF
Rs 15 lakhs in SIPs (since 2011)
Rs 50,000 monthly SIP (started from February 2024)
Rs 12 lakhs invested in hybrid mutual funds recently
Medical insurance costing Rs 54,000 PA for your family
Term insurance with an annual premium of Rs 51,000
House loan already cleared
I appreciate the strong foundation you have built with substantial savings and clear financial goals. Let's explore the way forward to optimise your retirement strategy and secure your financial future.

Step 1: Assessing Your Monthly Needs After Retirement
You need Rs 40,000 per month for your current expenses. However, this amount will likely increase due to inflation over the next six years until retirement. Let’s assume an inflation rate of 6%, which is typical in India. This means your monthly expenditure may rise to around Rs 57,000-60,000 by the time you retire.

Since you aim to retire in 6 years, the goal will be to create a financial plan that allows you to cover these rising expenses comfortably after retirement. We also need to consider the potential education expenses for your daughters in the near future, which will add another layer to your financial planning.

Step 2: Evaluating Your Current Investments
Bank FD (Rs 1 crore): While FDs offer safety, they have low returns. In the long run, they barely beat inflation. You should look at moving part of this into more growth-oriented options, like mutual funds, that can give you inflation-beating returns.

Equity Investments (Rs 12 lakhs): The equity market is an essential part of your portfolio, but given that you have invested Rs 8 lakhs in 2021, the returns may be volatile in the short term. However, staying invested in good-quality actively managed mutual funds can yield higher returns over time. Equity exposure is crucial to grow your wealth, especially given the inflationary pressures.

PF (Rs 25 lakhs): Provident Fund is a long-term wealth-building instrument with the benefit of compounding. It provides a decent rate of return and safety. This will form a significant part of your retirement corpus. You should continue contributing to this.

SIPs (Rs 15 lakhs and Rs 50,000/month): Your SIPs are excellent long-term wealth builders. Since you are already committed to Rs 50,000 monthly SIPs, you are on the right path to generating good returns. SIPs in actively managed equity mutual funds will help you stay ahead of inflation over time.

Hybrid Mutual Fund (Rs 12 lakhs): Hybrid funds offer a balanced mix of equity and debt, providing growth and stability. They can be useful as you approach retirement, but their equity exposure should be closely monitored.

Step 3: Optimising Insurance
Medical Insurance (Rs 54,000/year): You have medical insurance in place, which is essential for covering health-related risks. Ensure that the coverage is sufficient for your entire family. Given the rising healthcare costs, consider reviewing the sum assured and increasing it if needed.

Term Insurance (Rs 51,000/year): Term insurance is a cost-effective way to secure your family in case of unforeseen events. It’s good to have this in place. You may not need it post-retirement, so review it closer to retirement age.

Step 4: Prioritising Your Daughters' Education
Your daughters will soon enter college, and their higher education will be a significant financial commitment. It’s wise to set aside a portion of your investments to meet these expenses. Given their ages (10th and 11th standard), you can expect to incur these costs within the next 1-3 years. Consider earmarking part of your Bank FD or hybrid mutual fund investment for their education.

The Rs 1 crore FD could be partially redirected towards a safer option, like debt mutual funds or hybrid funds, to provide liquidity for education expenses without sacrificing growth entirely.

Step 5: Managing Post-Retirement Income
To ensure a steady flow of income post-retirement, let’s look at how your current portfolio can be structured to meet your monthly needs:

Systematic Withdrawal Plan (SWP): Once you retire, you can set up a Systematic Withdrawal Plan (SWP) from your mutual fund investments to provide a regular income. This way, you can withdraw a fixed amount every month, while the remaining capital stays invested and continues to grow.

Balanced Portfolio: As you approach retirement, you should gradually reduce exposure to high-risk equity and shift to a balanced portfolio. A mix of 40% equity and 60% debt will give you stability and growth, ensuring that you meet your monthly expenses while still preserving your capital.

Continue with PF and SIP Contributions: Your Provident Fund and SIPs should remain untouched until retirement. Both provide long-term growth and tax benefits. Continue your SIPs as planned, and consider increasing the amount when possible to accelerate your retirement corpus.

Step 6: Plan for Rising Medical Costs
As you age, healthcare costs will likely increase. Ensure that your medical insurance coverage is adequate. Review the current policy and look for options to increase the coverage if needed. A good health insurance policy will prevent you from dipping into your retirement savings for medical emergencies.

Step 7: Tax-Efficient Withdrawal Strategy
Capital Gains Tax: When you withdraw from mutual funds, remember that equity mutual funds attract capital gains tax. Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%. Plan your withdrawals strategically to minimise tax outgo.

Debt Fund Withdrawals: If you hold any debt funds, remember that both LTCG and STCG are taxed according to your income tax slab. Use these funds carefully to manage your tax liabilities post-retirement.

Step 8: Setting Up an Emergency Fund
It’s essential to keep some money aside as an emergency fund. This should cover at least 6-12 months of your monthly expenses. Since you have substantial assets, you can allocate part of your Bank FD towards this. The emergency fund should be liquid and easily accessible in case of unforeseen expenses.

Step 9: Reassess Your Risk Profile
At 50, your risk tolerance may be lower than when you were younger. However, to maintain your lifestyle after retirement, some equity exposure is necessary to beat inflation. Work on balancing your portfolio so that it reflects your need for both growth and stability. Actively managed funds, as opposed to index funds, will give you more flexibility and potentially higher returns.

Final Insights
You have built a strong financial base and are well on your way to a comfortable retirement. However, a few strategic adjustments will help optimise your portfolio and secure your financial future:

Increase your equity exposure slightly while balancing it with debt to ensure growth and stability.

Plan for your daughters’ education by earmarking some of your FD or hybrid fund investments.

Consider SWP for post-retirement income, and set up a tax-efficient withdrawal strategy.

Review your health insurance coverage to ensure it meets your future needs.

Stay disciplined with your SIPs and continue contributing towards your PF to build a robust retirement corpus.

By carefully managing your existing assets and planning ahead for both education and retirement, you can achieve financial independence and enjoy a secure post-retirement life.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Hi, I got married to my ex gf in an arranged setup. I had a 7 year of relationship with her before breakup. My career switch try from private to govt job was the reason. When I failed I returned back to corporate. 3 years after the breakup her father who is a good friend of my father sent proposal which led to our marriage. No one knew that we dated. We never had a word between the acceptance and marriage. None of us initiated the conversation. When she came after marriage her behavior towards me in private is totally strange. We never had an emotional conversation. Neither we discuss romance nor intimacy. In private we hardly have any intellect discussions which was an eternal part before our breakup. But when she is in public she behaves like she cares for me a lot. She is a darling of everyone in the house whether my parents or siblings. Most of the time she remains with my mother and she has good bond. In front of her she cares for me a lot. She had this double faced attitude from the first day. Our intimacy is limited to my ask she could agree or disagree but she never initiated it. She was pretty passionate before our breakup which I never saw after our marriage. I tried everything but nothing has happened she never opened up. She disconnected with almost all our mutual friends after marriage. Whenever I tried through some of her friends she says to them I overthink a lot. Marriages and relationships differs. All useless and weird reasons. Everyone blames my teenage short temper issue. Which I have completely overcame when I started working. After marriage we had a boy. She says no for a next child for which I am fine. But the problem is now my child is growing and she has started understanding her hypocrisy. Now she blames me for teaching him wrong things. We hardly had fights as she walks out or I won't say word usually after she didn't answer for anything. I am unable to see the light in this relationship. She had 3 relationships in between but I never had one which I never discussed. Now I hardly ask for anything. Day by day we are becoming only room partners or fake couples in public. Everyone sees her as an ideal daughter in law or wife due to her public hypocrisy. Please guide.
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Career
I want to give NEET exam but my 12th in Maharashtra Board marks are less than 150 in PCB (general), so I am not eligible. can I give retest of 12th to get better marks so that I can give NEET.
Ans: Hi, Being a retest candidate is considered a second attempt in +2. I think the medical council will not allow admission to medicine. Instead, you can consider B.Pharm / Pharm D.

To join, the following are the requirements:

For pharm D: Minimum qualification for admission to. – a) Pharm.D. Part-I Course – A pass in any of the following examinations - (1) 10+2 examination with Physics and Chemistry as compulsory subjects along with one of the following subjects: Mathematics or Biology. (2) A pass in D.Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act. (3) Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course.

FOR B.PHARM:
Minimum qualification for admission to – A. First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time.

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