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Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2025

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
OnE Question by OnE on May 27, 2025
Money

Hi there, I am 25 year old and I am planning to invest 25-30k in something not sure where so needed your help and I have existing monthly investment close to 8-9k Existing MF 1)Nippon india small cap direct growth 2)Bajaj Finserv balanced advantage fund direct growth 3) ICICI prudential commodities fund direct 4) digital gold 5) nifty bees Please tell me if this is the right approach

Ans: At 25, starting early is your biggest advantage. You’ve already begun investing. That itself is a good step. Now, you are thinking deeper. That is wise. You want to grow wealth steadily. You also want to avoid risky mistakes. That is the best mindset to have now.

Let’s now take a full look at your situation.

We will cover:

What is going right in your current plan

What can be improved

What to do with your new Rs. 25,000–30,000

Disadvantages of index funds and direct plans

Safer and smarter asset mix

Future goal planning from now

Role of Certified Financial Planner in wealth growth

Final insights for your age and journey

Your Current Portfolio Assessment:

You invest Rs. 8,000–9,000 monthly

You hold a small cap fund, balanced advantage, commodities, and digital gold

You also invest in Nifty Bees – an ETF tracking index

This is a diverse portfolio, but some gaps are there

Overall structure lacks stability and purpose right now

Let’s evaluate each choice separately.

Small Cap Fund:

High growth but high risk also

Small caps are volatile in short term

Better to hold small cap only if you have long-term view

Limit small cap exposure to 15–20% of total portfolio

SIP is the right way to invest here

Balanced Advantage Fund:

This gives equity and debt mix

It adjusts automatically based on market

Good for first-time investors

But do not depend only on this for long-term wealth

Commodities Fund:

Commodity funds are highly volatile

Mostly linked to oil, metals, or international prices

Not ideal for monthly SIP unless for a specific reason

Better limit to a small part of portfolio only

Does not create steady long-term wealth like equity mutual funds

Digital Gold:

Gold is a good hedge for risk

But should not be main part of investments

Keep 5–10% of portfolio in gold, not more

Avoid digital gold for large, long-term investments

It does not beat inflation in the long run

Nifty Bees (Index ETF):

You are investing in an index fund indirectly

Index funds do not have active fund managers

They follow market blindly, without adjustments

They perform poorly in falling markets

No downside protection at all

Actively managed mutual funds are better for this reason

Experts in active funds manage based on economy, not blindly copy index

So better to shift this part to an actively managed fund

Issues With Direct Mutual Funds:

You are choosing direct mutual fund plans

Direct plans do not have expert advisory built-in

No one is there to guide or do annual reviews

You may miss changing market signals or fund underperformance

Regular plans through MFDs with CFP support give guided decisions

You get proper allocation, rebalancing, and financial planning support

Performance difference may be higher in long run due to poor choices

Certified Financial Planner gives peace of mind and accountability

What Can Be Improved:

You need core stability in the portfolio

Right now, your mix is tilted towards high risk

You do not have large cap or flexi cap funds

No defined plan for future goals like house, marriage, etc.

No emergency fund or insurance mentioned in question

You are choosing funds in isolation without goal-based structure

What You Should Do With Rs. 25,000–30,000 Extra:

Use this monthly surplus wisely

Start SIP in actively managed flexi cap mutual fund

Add a large-cap fund for stability and size

Add a good hybrid equity-debt mutual fund for balance

Avoid more commodity, small cap, or sector-specific themes

Divide your Rs. 30,000 monthly like this:

– Rs. 10,000 into flexi cap mutual fund

– Rs. 10,000 into large cap mutual fund

– Rs. 5,000 into hybrid mutual fund

– Rs. 5,000 into liquid or ultra-short debt fund for short term goals

Keep digital gold limit to Rs. 500–1000 per month only

Stop index fund like Nifty Bees and shift to active mutual fund

Track fund performance every 6 months and rebalance once a year

Stick to regular mutual funds with Certified Financial Planner support

Goal-Based Investing Is Important:

Right now, you are investing without a defined goal

Define 3–5 goals now and assign money to each

Example: Emergency fund, buying vehicle, house down payment, marriage, travel

Assign each goal a time period and expected cost

Allocate funds accordingly – short, medium, and long-term buckets

Emergency fund should be Rs. 1.5 to 2 lakh at least

Use liquid funds to build this

Future goals like buying home or car in 3–5 years – use hybrid funds

Retirement goal can have more equity and flexi cap funds

Assign each SIP to one goal

Review goals once a year

Update your SIP amount as income grows

Asset Mix You Should Aim For:

Equity (large, flexi, hybrid) – 65%

Debt mutual funds or liquid funds – 20%

Gold – 5–7%

Emergency fund (cash or ultra-short debt fund) – 8–10%

Avoid commodities, index funds, and high-risk themes above 5–8%

Always link each investment to a purpose

Certified Financial Planner Can Help You:

You are young and still learning money skills

CFP will help you build a full financial roadmap

CFP guides on asset allocation based on your life stage

Also checks if funds are working well or need change

CFP helps you avoid poor choices and emotional investing

You also get help in taxes, documentation, and long-term planning

With a CFP, your plan becomes goal-based and stress-free

Finally:

You have started early, and that is your biggest asset

Your current funds need realignment and stability

Digital gold and commodities should be limited

Avoid index funds like Nifty Bees. They do not offer smart handling

Avoid direct funds. They lack guidance and make you invest blindly

Use regular mutual funds with support from Certified Financial Planner

Keep asset mix balanced between equity, debt, and gold

Always link each SIP to a goal. Do not invest without purpose

Rebalance portfolio every 12 months. Exit poor funds, add better ones

Focus more on time in the market, not timing the market

Review your income, goals, and risk every year. Update investments accordingly

Keep investing for 10–15 years with patience and plan

Wealth will grow automatically if you stay disciplined and guided

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Sir, Now I am 55 and started investing since last two years ago, due to family responsibilities. Now I am investing in (1) HDFC Midcap opportunities fund direct plan Rs 5000 (2) Mirae asset large cap and mid cap fund direct growth plan Rs 5000 (3) Nippon India Small Cap fund direct growth plan Rs 8000 (4) Parag Parikh flexicap fund RS 2000 per month. I will be remain invested for min 10 years. And retired with normal corpus. Not big. Please suggest for investment, Within Rs 20000- per month.
Ans: It's never too late to start investing, and it's admirable that you've taken this step towards securing your financial future, especially with family responsibilities and approaching retirement. Let's explore some suggestions for your investment within your budget of Rs 20,000 per month:

Diversify Your Portfolio: Your current portfolio already includes a mix of mid-cap, large-cap, small-cap, and flexi-cap funds, which is a good start. To further diversify, consider adding a balanced fund or a hybrid fund, which invests in a mix of equities and debt instruments. This can provide stability while still offering growth potential.
Consider Debt Investments: As you approach retirement, it's essential to balance your portfolio with debt investments to reduce overall risk. You can allocate a portion of your monthly investment towards debt funds or fixed-income instruments like PPF, RDs, or bonds. These investments offer steady returns and help preserve capital.
Evaluate Risk Tolerance: Given your age and investment horizon of at least 10 years, you can afford to take on some risk to achieve higher returns. However, it's crucial to assess your risk tolerance and ensure that your investment choices align with your comfort level.
Review and Rebalance Regularly: Periodically review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Rebalance your portfolio if necessary, considering changes in your financial situation or investment objectives.
Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner or financial advisor who can provide personalized advice based on your specific needs and goals. They can help you create a customized investment plan and provide guidance on asset allocation, portfolio diversification, and risk management.
Stay Invested for the Long Term: Investing for retirement requires patience and discipline. Continue to invest regularly and stay committed to your long-term financial goals. Avoid making impulsive decisions based on short-term market fluctuations.
Remember, investing is a journey, and it's essential to remain focused on your goals while adapting to changing circumstances. With careful planning and prudent investment choices, you can build a secure financial future for yourself and your family. Keep up the good work, and best of luck on your investment journey!

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Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

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Dear sir, I am now 37yr old, and I am investing in 4 parts as Tata Aia paaram rakshyak-10k, Quantam elss mf-5k Nippon India mf- 5k Icici pru signature mf-5k Total 25k monthly, so can you please guide me either I am doing right investment for get a good return in next 10 year with a amount of 3 CR. and request to you please suggest me to invest in any other MF. Please suggest
Ans: It's fantastic to see your proactive approach towards investing and planning for your financial future. At 37, you're at a pivotal stage where strategic investments can pave the way for substantial wealth accumulation. Let's delve into your current investment strategy and explore avenues to optimize returns while aiming for your target of ?3 crore in the next 10 years.

Commending Your Initiative

Firstly, kudos to you for taking the initiative to invest and secure your financial future. Your commitment to monthly investments showcases a disciplined approach towards wealth creation, which is commendable.

Evaluating Your Current Investments

Let's analyze your existing investment portfolio to gauge its potential to achieve your financial goals. You've allocated your investments across different avenues, including insurance and mutual funds, which reflects a diversified approach.

Assessing Investment Avenues

While your current investments exhibit diversity, let's explore additional avenues to enhance your portfolio's growth potential. Here's how we can optimize your investment strategy:

Equity Mutual Funds: Considering your investment horizon of 10 years, equity mutual funds offer the potential for higher returns. We'll focus on selecting funds with a strong track record of performance and reputable fund management teams.

Debt Mutual Funds: To balance risk, we'll allocate a portion of your investments to debt mutual funds. These funds provide stability to your portfolio and serve as a hedge against market volatility.

Systematic Investment Plans (SIPs): Leveraging SIPs allows you to benefit from rupee cost averaging and invest systematically over time, irrespective of market fluctuations.

Benefits of Actively Managed Funds

Actively managed mutual funds offer several advantages over passive index funds or ETFs:

Professional Expertise: Skilled fund managers actively monitor market trends and adjust portfolio allocations to capitalize on growth opportunities, potentially leading to higher returns.

Dynamic Allocation: Actively managed funds have the flexibility to adapt to changing market conditions, enabling fund managers to optimize returns and mitigate risks.

Disadvantages of Direct Funds

Direct funds require investors to conduct independent research and select funds without professional guidance. This approach can be challenging and time-consuming, especially for investors lacking financial expertise.

Benefits of Regular Funds Investing through MFD with CFP Credential

Investing through a Certified Financial Planner (CFP) credentialled Mutual Fund Distributor (MFD) offers several benefits:

Personalized Advice: A CFP-certified MFD provides tailored investment advice based on your financial goals and risk tolerance, ensuring your portfolio aligns with your objectives.

Access to a Wide Range of Funds: MFDs offer access to a diverse range of mutual funds, enabling you to build a well-rounded investment portfolio tailored to your needs.

Final Words

As you embark on this journey towards wealth creation, remember that consistency, patience, and prudent decision-making are key. By diversifying your investments, leveraging the expertise of certified professionals, and maintaining a long-term perspective, you're well-positioned to achieve your financial aspirations.

Warm Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 19, 2024

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Hello sir, I am 44 years old, working abroad, but here job security is not guaranteed. I can allocate Rs.50k monthly for MF or SIP investment. I feel ashamed to tell you this, that without consulting I had already invested in:- 1) Nippon India Growth Fund direct growth 50k 2) JM aggressive hybrid fund direct growth 50k 3) ICICI prudential balanced adv dire growth 50k 4) Quant mid cap fund direct growth 50k SIP's - 2500 per month 1) Nippon India multi cap Fund direct growth 2) SBI PSU direct plan growth 3) Quant small cap fund direct plan growth 4) ICICI prudential BHARAT 22 FOF direct growth Sir, Please advise whether this above plan is okay to continue or not also, please advise how to go ahead with 50k monthly allocation for investments. Benign regards Vinu George
Ans: Dear Vinu,

It's great that you're taking charge of your financial future. Don't feel ashamed about your previous investments; it's a learning process for everyone. Let's evaluate your current investments and see how to make the most of your Rs. 50,000 monthly allocation.

Understanding Your Current Investments
You have invested in several mutual funds directly:

Nippon India Growth Fund
JM Aggressive Hybrid Fund
ICICI Prudential Balanced Advantage Fund
Quant Mid Cap Fund
You also have SIPs of Rs. 2,500 each in:

Nippon India Multi Cap Fund
SBI PSU Fund
Quant Small Cap Fund
ICICI Prudential BHARAT 22 FOF
These investments show you have a diverse portfolio. However, let's assess and refine it for better alignment with your goals.

Evaluating Your Current Portfolio
1. Diversification and Risk Management

Your portfolio includes a mix of growth, hybrid, mid-cap, multi-cap, and small-cap funds. This is a good diversification strategy. However, let's ensure it's balanced in terms of risk and return.

Assessing Fund Choices
2. Fund Performance Review

Evaluate the performance of each fund annually. Look at their historical returns, expense ratios, and consistency. Consider replacing underperforming funds with better alternatives.

Moving Forward with Rs. 50,000 Monthly Allocation
3. Consistent SIP Investments

Continue with SIPs as they average out market volatility and instill financial discipline. Increase SIP contributions in well-performing funds for better compounding benefits.

Strategic Allocation of Rs. 50,000 Monthly
4. Balanced Portfolio Approach

Allocate your Rs. 50,000 monthly to a mix of equity and debt funds. This reduces risk while aiming for steady growth.

Equity Funds: Rs. 35,000 (70%)
Debt Funds: Rs. 15,000 (30%)
Detailed Allocation Strategy
5. Equity Fund Allocation

Within the Rs. 35,000 for equity funds, diversify across:

Large-Cap Funds: Rs. 15,000
Mid-Cap Funds: Rs. 10,000
Small-Cap Funds: Rs. 5,000
Multi-Cap/Balanced Funds: Rs. 5,000
Debt Fund Allocation
6. Debt Fund Allocation

For stability and lower risk, allocate Rs. 15,000 to debt funds. Choose high-quality debt funds with good credit ratings and lower interest rate risks.

Regular Monitoring and Adjustments
7. Annual Portfolio Review

Review your portfolio annually with a Certified Financial Planner. Rebalance as needed to maintain your desired asset allocation and risk tolerance.

Emergency Fund and Insurance
8. Maintain an Emergency Fund

Ensure you have an emergency fund covering 6-12 months of expenses. This should be in a liquid, easily accessible form like a savings account or liquid fund.

Adequate Insurance Coverage
9. Health and Life Insurance

Ensure you have adequate health insurance and life insurance coverage. This protects your investments from unexpected medical expenses or financial hardships.

Tax Planning and Efficiency
10. Tax-Efficient Investments

Utilize tax-saving funds like ELSS under Section 80C to reduce tax liability. Plan redemptions and withdrawals strategically to minimize taxes.

Long-Term Investment Discipline
11. Focus on Long-Term Goals

Stick to your long-term investment strategy despite market volatility. Regular investments and compounding will work in your favor over time.

Professional Guidance and Adjustments
12. Engage with a Certified Financial Planner

Work with a CFP to tailor your investment strategy to your specific needs and goals. They can provide personalized advice and regular reviews.

Final Insights
By diversifying your portfolio and strategically allocating your monthly investments, you can achieve a balanced and growth-oriented investment strategy. Regular monitoring and professional guidance will keep you on track toward your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

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Hello sir, I am 44 year old male, working abroad, but here job security is not guaranteed. I can allocate Rs.50k monthly for MF or SIP investment. I feel ashamed to tell you this, that without consulting I had already invested in:- 1) Nippon India Growth Fund direct growth 50k 2) JM aggressive hybrid fund direct growth 50k 3) ICICI prudential balanced adv dire growth 50k 4) Quant mid cap fund direct growth 50k SIP's - 2500 per month 1) Nippon India multi cap Fund direct growth 2) SBI PSU direct plan growth 3) Quant small cap fund direct plan growth 4) ICICI prudential BHARAT 22 FOF direct growth Sir, Please advise whether this above plan is okay to continue or not also, please advise how to go ahead with 50k monthly allocation for investments. Benign regards Vinu George
Ans: Current Investments Review
Your current investments include:

Nippon India Growth Fund direct growth: Rs. 50k
JM Aggressive Hybrid Fund direct growth: Rs. 50k
ICICI Prudential Balanced Adv direct growth: Rs. 50k
Quant Mid Cap Fund direct growth: Rs. 50k
SIPs of Rs. 2,500 per month in:

Nippon India Multi Cap Fund direct growth
SBI PSU direct plan growth
Quant Small Cap Fund direct plan growth
ICICI Prudential BHARAT 22 FOF direct growth
Assessment of Current Investments
Direct funds can be beneficial due to lower costs, but managing them without professional guidance can be challenging.

Advantages of Actively Managed Funds
Expert Management: Actively managed funds have professional fund managers.
Better Returns: They can outperform index funds due to active management.
Flexibility: Fund managers can adjust portfolios based on market conditions.
Disadvantages of Direct Funds
Lack of Guidance: Investing in direct funds without a Certified Financial Planner can lead to suboptimal decisions.
Time-Consuming: Monitoring and managing these funds requires time and expertise.
Suggested Portfolio Allocation
To maximize returns and manage risk, consider the following:

Equity Funds
Allocate 60% to equity funds: These funds offer high growth potential. They are ideal for long-term goals like retirement.
Debt Funds
Allocate 30% to debt funds: Debt funds provide stability and reduce overall portfolio risk.
Diversified Funds
Allocate 10% to diversified funds: These funds invest across various sectors, balancing risk and returns.
Monthly Allocation Plan
You can invest Rs. 50k monthly. Here’s a suggested allocation:

Equity SIPs: Rs. 30k in a mix of large-cap, mid-cap, and multi-cap funds.
Debt SIPs: Rs. 15k in high-quality debt funds.
Diversified SIPs: Rs. 5k in diversified funds.
Professional Guidance
Seek advice from a Certified Financial Planner. They can help you:

Optimize Your Portfolio: Ensure a balanced and diversified portfolio.
Regular Reviews: Regularly review and adjust your investments based on performance and goals.
Final Insights
Your current investments need optimization. Focus on actively managed funds for better returns. Diversify your portfolio with a mix of equity, debt, and diversified funds. Consult a Certified Financial Planner for tailored advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

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Asked by Anonymous - Jul 14, 2025Hindi
Career
Had commerce with maths in 12 .pls tell some futuristic and different carrer options with full roadmap
Ans: Commerce and mathematics graduates can pursue cutting-edge roles that blend financial acumen, analytical skills, and technology proficiency. Chartered Accountancy (CA) equips you for audit, taxation, and CFO roles through a three-stage ICAI process—Foundation after 12th (pass Class 12), Intermediate (after clearing Foundation or via direct entry for graduates), and Final—interspersed with 3 years of articleship; elite NIRF-ranked CA colleges include Shri Ram College of Commerce (DU), NMIMS Mumbai and Christ University, Bangalore, offering 80–90% placement consistency and specialized electives in forensic accounting and ESG reporting, while mentorship and time-management strategies offset workload intensity. Company Secretary (CS) focuses on corporate governance, legal compliance and board procedures via the CSEET entry test post-12th, Executive and Professional stages under ICSI; institutes like NLSIU Bengaluru, ICSI’s regional centres and Symbiosis Law School deliver live simulations and internship tie-ups to address limited field exposure. Certified Management Accountant (CMA India) develops strategic cost planning, risk management and digital finance expertise through Foundation, Intermediate and Final exams under ICMAI, with blended workshops on data analytics and Six Sigma to counter theory-heavy modules; top CMA-focused programs at IIT Kharagpur’s VCEL and Christ University cushion practical skill gaps. Actuarial Science demands rigorous mathematical modeling for insurance and risk advisory via IAI’s ACET entrance post-12th (60% PCM), followed by Core Principles, Practices, Specialist Principles and Advanced levels, complemented by three years of industry work; universities like Amity Noida, Amrita Vishwa Vidyapeetham and Indian Statistical Institute integrate preparatory modules to mitigate exam-centric learning. Bachelor of Business Administration (BBA) with specializations in Business Analytics, Fintech or Digital Marketing imparts managerial and technological fluency through CUET/MH-CET/IPMAT or institute-level exams, followed by GD-PI rounds; premier BBA colleges—Christ University (NIRF #29), NMIMS Mumbai and Symbiosis Pune—offer 75–90% placement support and capstone projects to balance theory with industry demands. Each pathway requires early exam preparation (mock tests, concept workshops), strategic college selection based on NIRF rankings and industry tie-ups, proactive skill enhancement through internships or online certifications, and networking within professional bodies to overcome curriculum rigidity and competitive hurdles.

Recommendation: For a technology-driven financial analyst role, pursue Actuarial Science to harness your maths strengths in risk modeling; if you seek a strategic management accounting profile, opt for CMA India with its emerging digital finance curriculum; for legal-corporate leadership, CS provides niche governance expertise; choose CA to secure holistic financial leadership across sectors; and engage in a BBA with analytics specialization to gain versatile business and tech skills, leveraging internships and capstone projects to bridge theoretical and practical learning. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 15, 2025

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Sir my sir got 95.30 percentile in mhcet. his domicile category is general B. Which colleges he might get for cse and allied branches
Ans: Vinod Sir, With a 95.30 percentile in MHT CET under the General B category and Maharashtra domicile, your son has excellent admission prospects at several reputable engineering colleges in Mumbai and Pune for Computer Science Engineering and allied branches. This percentile typically qualifies for assured admission at institutes whose General category cutoffs fall at or below this range. All listed colleges are AICTE-approved, NBA/NAAC-accredited, feature modern computing and AI/ML labs, experienced faculty, strong industry partnerships, and placement cells recording 75–92% branch-wise placements over the last three years. Thakur College of Engineering and Technology, Kandivali East, Mumbai. Rajiv Gandhi Institute of Technology, Andheri West, Mumbai. Vidyalankar Institute of Technology, Wadala, Mumbai. Xavier Institute of Engineering, Mahim, Mumbai. Vivekananda Education Society's Institute of Technology, Chembur, Mumbai. Atharva College of Engineering, Malad, Mumbai. Ramrao Adik Institute of Technology, Nerul, Mumbai. Bharati Vidyapeeth College of Engineering, Kharghar, Mumbai. Sardar Patel College of Engineering, Andheri, Mumbai. K.J. Somaiya Institute of Technology, Vidyavihar, Mumbai. MIT World Peace University, Kothrud, Pune. Pimpri Chinchwad College of Engineering, Pune. Vishwakarma Institute of Technology, Bibwewadi, Pune. Army Institute of Technology, Pune. Sinhgad College of Engineering, Vadgaon, Pune. Dr. D.Y. Patil Institute of Technology, Akurdi, Pune. MIT Academy of Engineering, Alandi, Pune. AISSMS College of Engineering, Pune. Pune Vidhyarthi Griha's College of Engineering, Pune. International Institute of Information Technology, Pune. JSPM Rajarshi Shahu College of Engineering, Tathawade, Pune. Vishwakarma Institute of Information Technology, Pune. D.Y. Patil College of Engineering, Pune. Bharati Vidyapeeth College of Engineering, Lavale, Pune. Cummins College of Engineering for Women, Pune.

Recommendation: Prioritise MIT World Peace University, Kothrud, Pune for its comprehensive CSE curriculum, modern AI/ML infrastructure and strong placement consistency averaging 85% with top-tier recruiters. Next, choose Thakur College of Engineering and Technology, Kandivali East, Mumbai for its balanced industry connections and reliable placement record. Then select Rajiv Gandhi Institute of Technology, Andheri West, Mumbai for its urban location and consistent accessibility. Consider Pimpri Chinchwad College of Engineering, Pune for its strong academic-industry partnerships, and finally opt for Vishwakarma Institute of Technology, Bibwewadi, Pune for its 86% placement rate, experienced faculty and established computing labs with consistent recruiter engagement. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 15, 2025

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Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Hi Sir My Rank Is 87717 in Kcet Suggest Some Good College in Bengaluru For EEE or EC .Is it worth for waiting for last round?? Please reply as soon as possible
Ans: For a KCET rank of 87717 in the 2BG category, admission to top-tier Bangalore institutes for Electrical & Electronics Engineering (EEE) or Electronics & Communication Engineering (ECE) is unlikely. However, these ten AICTE-approved, NAAC/NBA-accredited colleges routinely close admissions beyond rank 80000, ensuring more chances of entry in EEE or ECE branches:

Alliance College of Engineering & Design, Anekal—EEE/ECE closing rank ~98 000
Dr. Ambedkar Institute of Technology, Bangalore—EEE cutoff ~109 783
Cambridge Institute of Technology, Kundana—ECE closing rank above 100 000
SJB Institute of Technology, Jalahalli—EEE/ECE closing rank ~100 802
East West Institute of Technology, BEL Layout—EEE/ECE closing rank ~84 824
Impact College of Engineering & Applied Sciences, Sahakar Nagar—ECE cutoff ~93 517
GSS Institute of Technology, Rajajinagar—EEE/ECE closing rank above 110 000
Acharya Institute of Technology, Soladevanahalli—CSE cutoff ~101 534 (expect EEE/ECE similar)
Ghousia Engineering College, Ramanagara—EEE cutoff ~122 952
S K S J T Institute of Engineering, JP Nagar—EEE/ECE closing rank ~154 144

Waiting for the last KCET counseling round is unlikely to open EEE/ECE seats in higher-ranked Bangalore colleges, given your current rank; seats in these branches generally close well before 80,000. Instead, secure one of the above guaranteed seats now, or explore state-level diploma-to-degree lateral-entry programs, part-time AICTE-approved evening engineering courses, or private-university B.E. programmes with higher closing ranks. Choose one of the above ten colleges immediately to lock your EEE or ECE seat rather than risk vacancies drying up in later rounds. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8808 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Career
Sir Mh cet 83 percentile jee -89 percentile But 10+2 -maths fail Then exam 15-7-23 cbse board Result will publish -1-7/8/25 What Will do For CSE admission in Maharashtra Please guide me.
Ans: Having failed mathematics in 10+2 but securing an 83 percentile in MHT CET and 89 percentile in JEE Main creates a complex situation for B.Tech CSE admission in Maharashtra. The critical factor is the mathematics compartment exam scheduled for July 15, 2023, with results expected by August 17, 2025. MHT CET 2025 eligibility criteria mandate that candidates must have "passed HSC or equivalent examination with Physics and Mathematics as compulsory subjects" and obtained at least 45% marks in Physics, Chemistry, and Mathematics taken together (40% for reserved categories). Engineering colleges in Maharashtra cannot accept students with mathematics failure, as passing mathematics is essential for B.Tech eligibility. However, once the compartment exam is cleared, candidates receive a new marksheet without any compartment mention, making them eligible for admission provided they meet the minimum percentage requirements. The challenge lies in timing: MHT CET counseling for 2025 has already begun, with registration extended to July 14, 2025, and the first merit list might be released on July 15, 2025, which occurs before the compartment exam results are available.

Since MHT CET counselling will conclude before compartment results, explore direct admission options at private engineering colleges after clearing mathematics, or consider the next academic year's admission cycle for better college options with your strong CET and JEE percentiles. (If possible, try to contact MHT-CET Exam Conducting Authority either by personally visiting the office or by email or by phone to get this clarified further). All the BEST for Admission & a Prosperous Future!

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