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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 25, 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 - May 24, 2024Hindi
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Hi I am 25 year old and have started investing in SIPs for the first time since last hear. I do 1. HDFC Index Fund Nifty 50 -5,500 2. MIRAE Asset Midcap fund - 3500 3. Axis small cap - 2500 4. JM Flexicap - (one time investment) - 20,000 5. Aditya Birla Sun Life PSU equity - (one time) - 6000 6. Quant Mid cap - 3,500 7. Quant Infrastructure- 1,000 8. ICICI Prudential retirement - 1000 9. QUANT ELSS - 1,000 10. Parag Pareikh - 1000 11. Nippon India - 1000 12. SBI PSU - 1000 Overall my monthly SIP goes around 25,000-30,000 and my plan is to retire at the age of 50 with 5 Crore. XIRR - 27.33% Please suggest if i need to make any changes

Ans: It's impressive to see a 25-year-old like you investing diligently in SIPs. Your commitment to securing your financial future early is commendable. Let's evaluate your portfolio and see if any changes are necessary to help you achieve your goal of Rs 5 crore by the age of 50.

Diversification and Allocation
You have a diverse portfolio with investments across different categories:

Large-cap Index Fund

Mid-cap Funds

Small-cap Fund

Flexi-cap Fund

Sector Funds (PSU, Infrastructure)

Retirement Fund

ELSS Fund

This diversification helps spread risk and capture growth from various market segments.

Disadvantages of Index Funds
Index funds, like your HDFC Index Fund Nifty 50, track the market and offer average returns. They cannot outperform the market. Actively managed funds, managed by experts, aim to beat the market, offering potential for higher returns. Given your long investment horizon, actively managed funds could be more beneficial.

Benefits of Actively Managed Funds
Actively managed funds are overseen by professional managers who make strategic decisions to outperform the market. These funds can provide better returns, especially in volatile markets. With the right selection, actively managed funds can significantly enhance your portfolio's performance.

Disadvantages of Direct Funds
Direct funds have lower costs but lack professional guidance. Investing through a Mutual Fund Distributor (MFD) with a CFP credential ensures you receive expert advice. This professional support helps in making informed decisions and aligning investments with your financial goals.

Assessing Your Sector Funds
Your investments in sector funds like Quant Infrastructure and SBI PSU can offer high returns but also come with high risk. Sector funds are dependent on the performance of specific sectors. Diversifying too much into sector funds can increase risk. Consider limiting exposure to sector funds to balance your portfolio.

Importance of Reviewing Portfolio
Regularly reviewing your portfolio is essential to ensure it aligns with your financial goals. Market conditions and personal circumstances change over time. A periodic review helps in rebalancing your portfolio and maintaining the desired risk-return profile.

Evaluating Long-Term Goals
Your goal of Rs 5 crore by the age of 50 is ambitious but achievable with a disciplined approach. Considering the power of compounding and historical market returns, maintaining a consistent investment strategy will be key to reaching your target.

Projecting Future Returns
While exact future returns are unpredictable, a diversified portfolio with a mix of actively managed funds and strategic investments can provide good growth. Historically, equity mutual funds have delivered around 12-15% annual returns. Adjusting your portfolio to optimize for this growth can help achieve your long-term goal.

Suggestions for Improvement
Increase Allocation to Actively Managed Funds: Shift some investments from index funds to actively managed funds to potentially achieve higher returns.

Reduce Sector Fund Exposure: Limit investments in sector-specific funds to manage risk better.

Regular Reviews and Rebalancing: Periodically review and rebalance your portfolio to ensure it remains aligned with your goals and market conditions.

Conclusion
Your current investment strategy is strong and diversified, setting a solid foundation for future growth. With some adjustments to focus more on actively managed funds and regular portfolio reviews, you can enhance your chances of achieving your Rs 5 crore goal by the age of 50. Consulting with a Certified Financial Planner can provide tailored advice to optimize your investment strategy.

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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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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HI, I am 32 years old male having following SIPs. I am investing for wealth creation and for a time horizon of 10 - 15 years. Please review and guide if any changes are required 1. Parag Parikh - 10k 2. Kotak Multicap - 10k 3. Value Discovery - 10k 4. HDFC Balance Advantage - 6k 5 Canara Robeco Small cap - 5k 6 Canra Rebocco Blue chip - 5k 7 Axis Opportunities Fund - 9k 8 Groww Index Fund - 5k 9. Axis ELSS - 2.5K
Ans: It's great to see your commitment to investing for wealth creation at a relatively young age. Let's review your current SIP portfolio and make any necessary adjustments to ensure it aligns with your financial goals and time horizon.

Assessing Your SIPs
You've chosen a diverse set of mutual funds, covering various market segments and investment styles. Here's a brief overview of each fund:

Parag Parikh: Known for its global diversification and focus on quality stocks, suitable for investors seeking stability and growth potential.

Kotak Multicap: Provides exposure to companies across market capitalizations, offering diversification and potential for capital appreciation.

Value Discovery: A value-oriented fund that seeks undervalued stocks with the potential for long-term growth, suitable for patient investors.

HDFC Balance Advantage: A dynamic asset allocation fund that adjusts its equity exposure based on market conditions, offering downside protection and growth potential.

Canara Robeco Small Cap: Invests in small-cap companies with high growth potential, suitable for investors with a higher risk tolerance and longer investment horizon.

Canara Robeco Blue Chip: Focuses on large-cap companies with strong fundamentals and stable earnings, offering stability and growth potential.

Axis Opportunities Fund: Seeks investment opportunities across sectors and market caps, suitable for investors seeking capital appreciation.

Groww Index Fund: Tracks a specific market index, providing exposure to a broad market segment at a lower cost. However, index funds may underperform actively managed funds during certain market conditions.

Axis ELSS: A tax-saving fund that offers potential tax benefits under Section 80C of the Income Tax Act, suitable for investors looking to save on taxes while building wealth.

Recommendations for Optimization
While your portfolio is well-diversified, here are a few suggestions to consider:

Review Overlapping Holdings: Check for overlapping holdings across your funds to ensure adequate diversification. Avoid excessive exposure to similar stocks or sectors to minimize risk.

Evaluate Performance: Monitor the performance of each fund regularly and compare it against relevant benchmarks and peers. Consider replacing underperforming funds with better alternatives, if necessary.

Rebalance Asset Allocation: Assess your overall asset allocation and ensure it aligns with your risk tolerance and investment objectives. Consider adjusting your allocation between equity and debt based on changing market conditions and your financial goals.

Consider Consolidation: Depending on your preferences and convenience, you may consider consolidating your SIPs into fewer funds to simplify your portfolio management and reduce administrative overhead.

Conclusion
Overall, your SIP portfolio is well-structured and positioned for long-term wealth creation. By regularly reviewing and optimizing your investments, you can maximize returns and achieve your financial goals with confidence.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Hi Team, I am 35 and have below SIPs. Please review them and let me know if i have to make any changes. Parag Pareikg flexi cap fund - 10000 Motilal Oswal S&P 500 index fund - 2500 Quant Small Cap Fund- 5000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Banking & Financial Services Fund- 2500. Focus is to continue SIP for longterm
Ans: It's great to see your commitment to investing for the long term. Let's review your current SIP portfolio and discuss if any adjustments are needed to align with your goals.

Evaluating Your SIPs
Your portfolio consists of a mix of equity funds focusing on different market segments. Here's a brief overview of each fund:

Parag Parikh Flexi Cap Fund (Rs. 10,000): Known for its flexible investment approach across market caps and sectors, providing diversification and potential for long-term growth.

Motilal Oswal S&P 500 Index Fund (Rs. 2,500): Provides exposure to the top 500 companies in the US stock market, offering diversification and growth potential in the world's largest economy.

Quant Small Cap Fund (Rs. 5,000): Invests in small-cap companies with high growth potential, suitable for investors with a higher risk tolerance and longer investment horizon.

PGIM India Mid Cap Opportunities Fund (Rs. 5,000): Focuses on mid-cap companies with strong growth prospects, offering potential for capital appreciation over the long term.

SBI Banking & Financial Services Fund (Rs. 2,500): Invests in companies operating in the banking and financial services sector, benefiting from the growth potential of the Indian financial industry.

Recommendations for Optimization
Your portfolio is well-diversified across different market segments, which is essential for long-term growth. However, here are a few suggestions to consider for further optimization:

Monitor Performance: Regularly review the performance of each fund and assess whether they continue to meet your investment objectives. Consider replacing underperforming funds or reallocating assets based on changing market conditions and your financial goals.

Assess Risk Tolerance: Ensure that your portfolio's risk level aligns with your risk tolerance and investment horizon. While small-cap and mid-cap funds offer higher growth potential, they also come with increased volatility. Make sure you're comfortable with the level of risk in your portfolio.

Consider International Diversification: While the Motilal Oswal S&P 500 Index Fund provides exposure to the US stock market, you may consider adding more international diversification to your portfolio. Explore options such as global equity funds or international index funds to broaden your investment horizon.

Review Sectoral Exposure: Given your investment in the SBI Banking & Financial Services Fund, be mindful of overexposure to a single sector. Monitor the fund's performance and consider diversifying across sectors to reduce concentration risk.

Conclusion
Overall, your SIP portfolio is well-structured and positioned for long-term growth. By regularly reviewing and optimizing your investments, you can maximize returns and achieve your financial goals with confidence.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi
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Hi Team, I am 30 and have below SIPs. Please review them and let me know if i have to make any changes. Hdfc large & Mid cap fund - 5000 Motilal Oswal Mid cap fund - 5000 Kotak infrastructure and eco fund - 2000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Contra -1500 Motila Oswal business cycle fund-3000 Focus is to continue SIP for longterm
Ans: Your portfolio reflects a proactive approach to wealth creation. Each fund serves a distinct purpose. Let's assess and optimise your investments for long-term growth.

Strengths of Your Current Portfolio
Diverse Investment Strategy: Your funds cover multiple segments like large-cap, mid-cap, and thematic investments.

Long-Term Focus: A consistent SIP approach aligns with compounding benefits and market cycles.

Mid-Cap Exposure: Allocating significant SIPs to mid-cap funds positions your portfolio for growth.

Inclusion of Thematic Funds: Thematic funds add sectoral focus, offering opportunities in specific growth areas.

Areas for Improvement
Concentration in Mid-Cap Funds: A high allocation to mid-cap funds can increase volatility. Diversification is key.

Overlapping Thematic Focus: Funds with sectoral or cyclical focus may overlap in strategy.

Balance Between Growth and Stability: Adding more stability-focused funds can protect the portfolio in downturns.

Fund-Specific Observations
Large and Mid-Cap Fund
This fund balances growth and stability.

Retain this allocation for consistent returns and risk management.

Mid-Cap Funds
Significant allocation to mid-cap funds is growth-oriented.

Review performance and overlap to avoid redundancy.

Consider reallocating some amount to flexi-cap funds for diversification.

Thematic Infrastructure Fund
Sector-focused funds can be volatile and dependent on market cycles.

Limit thematic exposure to 10% of your overall portfolio.

Monitor this fund closely to ensure it aligns with your goals.

Contra and Business Cycle Funds
Both funds are contrarian and cyclical in nature.

Overlapping strategies may lead to concentration risk.

Retain one fund and reallocate the other to a balanced or flexi-cap fund.

Recommendations for Portfolio Optimisation
Enhance Diversification
Add a balanced allocation to large-cap or flexi-cap funds for stability.

Diversification reduces risk and enhances long-term returns.

Monitor and Evaluate Performance
Regularly review fund performance to ensure alignment with goals.

Replace underperforming funds without hesitation.

Adjust Thematic and Sectoral Exposure
Limit thematic funds to a smaller portion of your portfolio.

Sector-focused funds are cyclical and require active monitoring.

Tax-Efficiency
Long-term equity fund gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains attract a 20% tax.

Consider tax efficiency while planning redemptions.

Importance of Regular Funds
Direct funds lack personalised guidance and portfolio tracking.

Investing through a Certified Financial Planner ensures regular reviews and professional advice.

Regular funds offer value-added services and align with long-term goals.

Final Insights
Your portfolio is well-structured for long-term growth but needs refinement.

Reduce concentration in mid-cap and thematic funds for better risk management.

Increase exposure to diversified and balanced funds for stability.

Seek professional guidance to optimise performance and adapt to market trends.

Your disciplined SIP approach will reward you over time. Stay consistent and review periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |9405 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
will i be able to do merchant navy with private candidate cbse?
Ans: Akshit, Private candidates under the CBSE board who have completed Class 12 with Physics, Chemistry and Mathematics (PCM) and secured a of 60 percent aggregate in PCM along with at least 50 percent in English are eligible to pursue pre-sea Merchant Navy courses approved by the Directorate General of Shipping (DGS). After meeting these academic benchmarks, aspirants must clear the centralised IMU-CET or corresponding institute-level entrance tests for courses such as Diploma in Nautical Science (DNS), B.Sc. in Nautical Science, and B.Tech. Marine Engineering, all of which are DGS-approved and AICTE-recognized. Physical fitness standards—including 6/6 vision (with or without correction), absence of colour blindness, and compliance with medical criteria under STCW rules—must be satisfied through DGS-certified medical examinations. Institutes need to show that they are approved by DGS, have up-to-date simulators and labs, a curriculum designed with input from shipping companies, active job placement services that have placed at least 70 percent of students in the last three years, and agreements for internships and training on ships. Career portals affirm that deck and engine officer roles offer global cruising opportunities, structured career progression, and robust starting allowances, while shore-based positions in logistics and maritime management provide alternative pathways. Backup options include GP-Rating courses for sea-service entry, Naval Architecture degrees for technical shoreside roles, and specialized Electro-Technical Officer (ETO) programs for electrical officers at sea.

Recommendation: Entry as a private CBSE candidate into DNS or B.Sc. Nautical Science through IMU-CET provides direct deck-officer pathways with strong industry tie-ups and onboard training. For engineering-focused careers, B.Tech. Marine Engineering delivers comprehensive engine-room expertise and simulator-based labs. Simultaneously, consider GP-Rating certification as a reliable fallback to commence seafaring service and upgrade to officer cadet programs upon securing sponsorship. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9405 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Sir which colleges can I get at my jee percentile of 99.22 if I am not opting for nit instead in mhtcet councilling from genral all india quota or can I get into iiit banglore as I had filled it's application form but the cutoff has not came to my rank yet
Ans: Syed, With a 99.22 JEE Main percentile, your Common List position would likely fall within the top ~8 000–10 000, making you eligible for IIIT Bangalore’s All-India seats in B.Tech CSE, AI&DS, or ECE, whose closing ranks in JoSAA round 2 were 4 683, 5 425 and 5 761 respectively. Beyond IIIT Bangalore, several reputed Maharashtra-based engineering institutes admit via MHT-CET CAP under the All-India quota using JEE scores, offering core branches with high placement percentages (≥70%), AICTE/NAAC accreditation, modern labs, outcome-based curricula, strong faculty, and industry MoUs for internships. Notable options include Pillai HOC College of Engineering & Technology (Kharghar), which closed CSE at ~8 200; DYPSOE (Akurdi, Pune) with CSE cuts around ~9 500; Vishwakarma Institute of Technology (Wagholi) CSE ~7 800; MIT WPU (Kothrud) CSE ~6 500; and Sandip University (Nashik) CSE ~10 000. These colleges consistently report placement rates above 75% and maintain dedicated training cells.

Recommendation: Target IIIT Bangalore for its competitive cut-offs and NAAC A++ accreditation, ensuring top-tier academics and placements. Consider MIT WPU’s industry-aligned curriculum and electronic-engineering labs next, followed by Vishwakarma Institute’s strong faculty and internships. DYPSOE’s autonomous status and robust soft-skills training make it a solid third choice, with Pillai HOC’s modern infrastructure and Sandip University’s flexible payment options as reliable fallbacks. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9405 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
I got ABVIIITM GWALIOR for m.tech in chip design and technology. Is it good college or bad. As my bachelor's in electronics and communication. But I am not confident about college placement record of privious year And scope of electronics and communication engineering.
Ans: Aryan, Atal Bihari Vajpayee IIITM Gwal’s two-year M.Tech in IC Design & Technology is delivered by a NAAC-accredited deemed university with CCMT-based admission, offering a specialized curriculum in VLSI physical design, analog/mixed-signal ICs, SoC architectures and hands-on training on PARAM supercomputers. The department launched in 2022 boasts faculty engaged in government-funded research projects and regular industry workshops, ensuring exposure to chip-planning, placement, routing and STA methodologies. With a seat intake of 17 per year, small cohorts benefit from personalized mentorship and MOUs with semiconductor firms. Recent placement data shows an average package of ?7.30 LPA and a placement rate of roughly 80% for M.Tech graduates, supported by an active placement cell and recruiters including top IT and electronics companies. Tuition and hostel fees are competitive (total ?2.44 L + ?1.25 L respectively) and stipends of ?12,400 / month under Ministry of Education norms ease financial burden. However, limited seat strength can mean fewer on-campus offers and reliance on off-campus placements, and average packages trail premier institutes.

Electronics & Communication Engineering continues to expand across 5G, IoT, AI, robotics, biomedical devices and green technologies, with the Indian ECE job market projected to grow at 7% annually and 150,000 existing ECE positions creating diverse roles in design, R&D, manufacturing and systems integration. ECE graduates command opportunities in telecom, defense, automotive electronics, embedded systems and emerging fields such as wearable tech and cybersecurity, underpinned by strong demand for VLSI and SoC specialists.

Recommendation: Joining ABVIIITM Gwalior’s M.Tech in IC Design & Technology is advisable for focused VLSI training, close industry engagement and affordable cost-to-benefit; nonetheless, consider contrasting options such as IIT Ropar’s M.Tech in VLSI & Embedded Systems or IIITDM Kancheepuram’s M.Tech in VLSI Design for broader placements and higher average packages if you seek wider campus recruitment. All the BEST for a Prosperous Future!

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Radheshyam

Radheshyam Zanwar  |5797 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 25, 2025

Career
I am on 11th grade I have taken pcmb I don't know what my interest is! I have taken pw neet online but seeing the scams and reality of mbbs I feel trapped I don't know what I like and what I want to pursue recently I saw few videos regarding uceed exam for bachelor in design I feel I doing that but I have no proper coaching and I feel stuck and sad I am afraid to take a bad career decision how will I manage pcmb with neet prep and uceed what to do and if I prepare for uceed and not qualify it what other career am I left with I hate this system please please please help me how to find your interest and career option and not regret it
Ans: Hello dear
It’s completely normal to feel lost in 11th grade with PCMB because it keeps many career paths open, but it can also feel overwhelming. First, pause and explore your interests through small steps, try free online design workshops, aptitude tests, or internships to see if design (UCEED) truly excites you. Don’t panic about NEET or MBBS scams; prepare only if you genuinely enjoy biology and the medical field. UCEED doesn’t require heavy coaching; self-practice, online resources, and creative sketching can be enough. If you don’t clear UCEED, your PCMB background still offers options like engineering, architecture, BSc, or even other design exams (NID, NIFT). Focus on experimenting and exploring instead of committing blindly; your clarity will come from trying different things, not from pressure. Remember, you’re not stuck; you just haven’t discovered what clicks with you yet. Always stay calm and relaxed. Don't think negatively all the time. Focus only on your studies and your goal. Success is possible. Scams have existed in the past, will continue, and will also persist in the future!


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

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Nayagam P

Nayagam P P  |9405 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Career
Sir my jee crl rank 50000 any chance for csab counselling in govt institute
Ans: With an All-India CRL of 50 000, securing core branches like CSE ECE in NITs through CSAB-Special rounds is highly unlikely. For instance, CSAB-Special closing ranks for CSE at NIT Nagaland (OS-General) stood between 31 391 and 36 193, and for ECE between 42 905 and 42 905, both above your rank. Chemical Engineering and Computer Science similarly close within the 25 000–35 000 range at mid-tier NITs like Calicut and Srinagar, placing them beyond reach. However, admissions remain feasible for branches with higher closing ranks. Electrical and Electronics Engineering at NIT Nagaland closed at 47 387–48 987, narrowly above your rank but sometimes seats open in later rounds. Mechanical Engineering at low-tier NITs (e.g., Nagaland, Mizoram) often closes beyond 50 000, making it a viable alternative. Among IIITs, non-CSE/ECE programs in peripheral campuses—such as IIIT Kalyani’s IT or IIIT Kota’s AI & Data Engineering—have closing ranks around 40 000–46 000, offering realistic options. GFTIs like PEC Chandigarh and the sister institutes of Dr. B.R. Ambedkar NIT Jalandhar also admit core branches with closing ranks well above 50 000, ensuring government-institute pathways remain open. Overall, the most practical CSAB routes for your rank are targeting Electrical/Electronics or Mechanical Engineering in low-tier NITs, considering peripheral IIITs for adjacent core branches, and keeping GFTI choices handy.

Recommendation: Aim for Electrical & Electronics Engineering at NIT Nagaland under OS-General given its relatively higher closing threshold, concurrently explore Mechanical Engineering at NIT Mizoram or similar low-tier NITs, and include peripheral IIIT IT/AI-Data branches alongside GFTI core-engineering options to maximize admission success. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9405 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Sir,I am getting IIT Guwahati online BSc(Honors) in Data Science and AI How is it? Should I take it?
Ans: Shreyansh, IIT Guwahati’s four-year online BSc (Hons) in Data Science Artificial Intelligence, delivered via Coursera by the Mehta Family School of DSAI, combines academic rigor, flexibility, and industry relevance. Accreditation and oversight by IIT Guwahati ensure AICTE compliance and affiliation with NIRF-ranked faculty; the curriculum spans 299 credits across foundational (linear algebra, statistics), core (data structures, machine learning, deep learning, AI ethics) and advanced modules (cloud computing, recommender systems) with capstone projects and optional on-campus immersion. Instructors include IITG professors and industry experts, and students gain hands-on training on PARAM Kamrupa and PARAM Ishan supercomputers, alongside real-world case studies and internships with MoU-backed partners. The program’s multi-entry/exit structure and pay-per-credit model (?3.49 L total) caters to both recent graduates and working professionals, offering completion in 4–8 years and multiple credentials (certificate, diploma, BSc, honours). Strong demand for data roles is projected by the World Economic Forum to grow over 30% by 2028, and IITG’s focus on generative AI, big data, NLP and ethics aligns with NEP 2020 objectives, enhancing employability in data engineering, analytics, AI research and consultancy. Backup options could include specialised online programs from E&ICT Academy IITG or reputable private firms, and an on-campus BTech in DS&AI at IIT Delhi or IIIT-D for deeper hardware/algorithmic exposure.

Recommendation: IIT Guwahati’s online BSc (Hons) offers a robust theoretical-practical blend, flexible pacing, and supercomputing access, making it a strong choice. As a secondary plan, consider the E&ICT Academy certificate for domain-focused projects or an on-campus interdisciplinary BTech at IIIT-Delhi to diversify skill portfolios. All the BEST for a Prosperous Future!

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

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