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Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 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 05, 2024Hindi
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I am 28 years old I have started sip of 20k per month last year in mutual fund . please advice me how to move forward and to make a good portfolio by age of 35.

Ans: Starting your investment journey at 28 with a SIP of 20k per month reflects a proactive approach towards wealth accumulation. Here's a roadmap to build a robust portfolio by the age of 35:

Establish Clear Financial Goals
Define your short-term, medium-term, and long-term financial goals. Whether it's buying a house, planning for marriage, or saving for retirement, clarity on objectives will guide your investment decisions.

Asset Allocation Strategy
Allocate your investments across various asset classes based on your risk tolerance and time horizon. A common rule of thumb is to subtract your age from 100 to determine the percentage of equity allocation. Since you're young, you can afford a higher exposure to equities for potentially higher returns.

Diversification is Key
Spread your investments across different mutual fund categories such as large-cap, mid-cap, small-cap, multi-cap, and sectoral funds. Diversification mitigates risks associated with any particular segment and enhances overall portfolio resilience.

Systematic Investment Plan (SIP)
Continue with your SIP approach as it promotes disciplined investing and helps in rupee cost averaging. Increase your SIP contributions periodically as your income grows, accelerating wealth accumulation.

Regular Reviews and Rebalancing
Periodically review your portfolio's performance and align it with your financial goals. Rebalance your portfolio if required to maintain the desired asset allocation. Stay updated with market trends and economic developments to make informed investment decisions.

Professional Guidance
Consider seeking advice from a Certified Financial Planner to fine-tune your investment strategy. A CFP can provide personalized recommendations based on your risk profile, financial goals, and market outlook, ensuring optimal portfolio construction and management.

Long-term Perspective
Invest with a long-term horizon, staying patient during market fluctuations. Avoid reactionary decisions based on short-term market movements. Remember, wealth creation is a gradual process that requires consistency and discipline.

Conclusion
By adhering to a disciplined investment approach, diversifying across asset classes, and seeking professional guidance, you can build a robust mutual fund portfolio by the age of 35. Stay focused on your financial goals, and continue nurturing your investments to achieve long-term wealth creation and financial security.

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  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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I am 31 year old. Doing SIP of 3k in each fund namely HDFC Small Cap Growth Fund, HDFC Mid Cap Opportunities Fund and HDFC Sensex Index Fund. My goal is for wealth creation and for retirement period. Need your suggestion?
Ans: Your commitment to wealth creation and retirement planning at 31 is commendable and reflects your foresight and financial maturity. Let's delve into a strategic assessment of your SIP portfolio and explore avenues for optimizing your investment strategy.

Understanding Your Investment Approach
Your choice of SIPs in HDFC Small Cap Growth Fund, HDFC Mid Cap Opportunities Fund, and HDFC Sensex Index Fund demonstrates a blend of growth and diversification. Let's evaluate each fund's suitability for your wealth creation and retirement goals.

Assessing Small and Mid-Cap Funds
Investing in small and mid-cap funds offers the potential for higher returns over the long term, driven by the growth of smaller companies. However, it's essential to acknowledge the higher volatility and risk associated with these segments of the market.

Evaluating Index Fund Inclusion
While HDFC Sensex Index Fund provides exposure to India's benchmark index, it's crucial to consider the limitations of index funds. Index funds lack the potential for outperformance seen in actively managed funds and may underperform during market upswings.

Analyzing Active Management Benefits
Actively managed funds, such as HDFC Small Cap Growth Fund and HDFC Mid Cap Opportunities Fund, benefit from professional fund management and active stock selection. Fund managers can capitalize on market opportunities and navigate market downturns effectively.

Balancing Risk and Return
As you plan for long-term wealth creation and retirement, it's essential to strike the right balance between risk and return. While small and mid-cap funds offer growth potential, consider diversifying your portfolio with stable and high-quality assets to mitigate volatility.

Embracing a Long-Term Perspective
Investing for wealth creation and retirement requires patience and discipline. Stay focused on your long-term goals and resist the temptation to make impulsive investment decisions based on short-term market fluctuations.

Leveraging Professional Guidance
Consider partnering with a Certified Financial Planner to fine-tune your investment strategy and ensure alignment with your financial objectives. A CFP can provide personalized advice, portfolio optimization, and ongoing support to help you achieve your goals.

Conclusion
In conclusion, your SIP portfolio in HDFC Small Cap Growth Fund, HDFC Mid Cap Opportunities Fund, and HDFC Sensex Index Fund reflects a strategic approach to wealth creation and retirement planning. By evaluating each fund's suitability, balancing risk and return, and embracing a long-term perspective, you can optimize your investment strategy for success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2024

Asked by Anonymous - Jun 30, 2024Hindi
Money
Hi sir, I'm 29 years old and I'm working professional and my salary is 27000 PM. Currently I'm doing 5000 pm SIP with step up in Nifty 50 and Nasdaq index from last 1 year. I'm up for long term. So please guide me how should i invest so i can secure my future and manage other expenses and making some retirement fund and make a good corpus . Should i diversify my investment?? And where to invest?? Or i need to switch to another mutual funds or add some too??
Ans: At 29, you've made a great start on your financial journey. Your monthly salary is Rs. 27,000, and you’re investing Rs. 5,000 per month in SIPs focused on Nifty 50 and Nasdaq index funds. You're planning for the long term, which is fantastic. Let’s explore how you can diversify your investments, secure your future, and build a solid retirement corpus.

Current Investments and Goals
Income and Investments

Monthly Salary: Rs. 27,000
SIP Investments: Rs. 5,000 per month in Nifty 50 and Nasdaq index funds
Your goal is to secure your future, manage expenses, and create a retirement fund. Diversifying your investments can help achieve these goals.

Evaluating Your Current Investments
Index Funds: Nifty 50 and Nasdaq

Index funds like Nifty 50 and Nasdaq are good for low-cost, broad-market exposure. However, they have limitations:

Passive Management

Index funds track the market. They don’t attempt to outperform it, which limits potential returns.

Market Volatility

Index funds are subject to market volatility. During downturns, they can suffer significant losses.

Benefits of Actively Managed Funds
Why Consider Actively Managed Funds?

Professional Management

Actively managed funds are overseen by expert fund managers. They strive to outperform the market by selecting high-potential securities.

Strategic Allocation

Fund managers adjust portfolios based on market conditions. This can provide better returns than passive index funds.

Diversification

Actively managed funds often invest in a mix of securities. This diversification reduces risk compared to focusing solely on index funds.

Diversifying Your Investment Portfolio
Types of Mutual Funds

Equity Funds

Equity funds invest in stocks. They offer high growth potential but come with higher risk. Diversify across large-cap, mid-cap, and small-cap funds.

Debt Funds

Debt funds invest in bonds and fixed-income securities. They provide stable returns with lower risk, ideal for balancing equity investments.

Hybrid Funds

Hybrid funds invest in both equity and debt. They balance risk and return, making them suitable for moderate-risk investors.

Advantages of Mutual Funds
Professional Management

Mutual funds are managed by experts who make informed investment decisions.

Diversification

Mutual funds invest in a diversified portfolio, reducing risk.

Liquidity

Mutual funds can be easily bought and sold, providing liquidity.

Systematic Investment Plan (SIP)

SIPs allow regular investments, benefiting from rupee cost averaging and compounding.

Power of Compounding
Starting Early

The earlier you start investing, the more you benefit from compounding. Your investments grow exponentially over time.

Reinvesting Returns

Reinvesting returns accelerates growth. This helps your investments compound faster.

Asset Allocation Strategy
Creating a Balanced Portfolio

Equity Allocation

Continue investing in equity funds, but diversify. Include large-cap, mid-cap, and small-cap funds.

Debt Allocation

Add debt funds to your portfolio. They provide stability and lower risk.

Hybrid Funds

Consider hybrid funds for a balanced risk-return profile.

Regular Review and Rebalancing
Monitoring Investments

Regularly review your portfolio. Market conditions and personal goals change, so adjust your investments accordingly.

Rebalancing Portfolio

Rebalance your portfolio periodically. This ensures your asset allocation aligns with your risk tolerance and goals.

Risk Management
Emergency Fund

Maintain an emergency fund covering 6-12 months of expenses. This protects you from financial setbacks.

Insurance

Ensure adequate health and life insurance. This safeguards your financial security.

Tax Planning
Tax-Efficient Investments

Invest in tax-saving instruments to reduce your tax liability and maximize returns.

Strategic Withdrawals

Plan withdrawals to minimize tax impact. Use tax-advantaged accounts strategically.

Setting Long-Term Goals
Retirement Planning

Aim to build a substantial retirement corpus. Estimate your future expenses and plan accordingly.

Children’s Education

If you plan to have children, start saving for their education early. This can be part of your long-term financial goals.

Estate Planning
Will and Nomination

Prepare a will and ensure nominations are updated. This ensures smooth transfer of assets.

Trusts

Consider setting up trusts if needed. They provide greater control over asset distribution.

Seeking Professional Guidance
Certified Financial Planner (CFP)

Consider working with a CFP. They offer expert advice and help optimize your investment strategy.

Better Fund Selection

CFPs have access to research and insights. They can recommend funds that suit your goals and risk profile.

Final Insights
Your current investments in Nifty 50 and Nasdaq index funds are a good start. However, diversifying your portfolio and including actively managed funds can enhance returns and reduce risk. Focus on a balanced asset allocation strategy, regular reviews, and rebalancing.

Investing through a Certified Financial Planner ensures expert guidance tailored to your goals. The power of compounding, combined with disciplined investments and strategic planning, will secure your financial future. Start early, stay disciplined, and make informed decisions.

Your future self will thank you for the efforts you put in today.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9709 Answers  |Ask -

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

Asked by Anonymous - Jun 01, 2025Hindi
Money
Dear Sir, I am 34 years old. I have a home loan with an outstanding amount of 1.17cr, an EMI of 1 lakh, and a remaining tenure of 300 months. I also have car loan with an outstanding amount of 18 lakhs, an EMI of 22000, and a remaining tenure of 72 months. My current salary is 2 lakhs per month also I generate a monthly passive income of 65000. I have investments in mutual funds worth 13 lakhs, gold worth 30 lakhs, fixed deposits worth 9 lakhs, and a PPF account worth 2 lakhs. Please advise how I should start SIP and any other better ways to invest with good returns. My goal is to work till 60 years and secure kids furure.
Ans: I appreciate your proactive approach. Your financial position has a strong base. But improvement is needed in a few areas. Below is a detailed 360-degree analysis.

? Income and Cash Flow Review

You earn Rs 2 lakh per month from salary.

You also earn Rs 65,000 per month as passive income.

Total monthly inflow is Rs 2.65 lakh. This is a healthy income.

You pay Rs 1 lakh towards home loan EMI.

You also pay Rs 22,000 for your car loan EMI.

Total EMI outflow is Rs 1.22 lakh.

Your EMI to income ratio is about 46%. This is slightly on the higher side.

A safe EMI ratio should be below 40% for comfort.

This affects your ability to save more.

Careful planning is needed to balance debt and investments.

? Loan Assessment and Debt Strategy

Home loan outstanding is Rs 1.17 crore. EMI is Rs 1 lakh. Tenure left is 25 years.

A long tenure keeps interest costs high in the long run.

Car loan is Rs 18 lakh. EMI is Rs 22,000. Tenure left is 6 years.

Car loans are expensive. They are not wealth-building.

Recommend partial prepayment of car loan first.

Aim to close it in the next 2 to 3 years.

This will free up Rs 22,000 monthly for investments.

Home loan can continue for tax savings.

But make occasional lump sum payments when possible.

This will reduce interest outgo.

? Existing Investment Analysis

Mutual Funds worth Rs 13 lakh. This is a good start.

Ensure these are actively managed funds.

Avoid index funds. They lack flexibility. They simply mirror the market.

Active funds have professional fund managers.

They help during market volatility.

Gold investments are Rs 30 lakh. This is on the higher side.

Ideally, gold should be only 5% to 10% of your portfolio.

Gold protects against inflation. But it doesn’t generate income.

Fixed deposits worth Rs 9 lakh. Good for emergency reserve.

But excess in FD earns low post-tax returns.

You may reduce excess FD over time.

PPF account has Rs 2 lakh. Continue yearly contributions.

PPF gives tax-free returns. It also builds long-term corpus.

? Emergency Fund and Insurance Assessment

Maintain 6 to 9 months of expenses in a liquid form.

You seem to already have FDs and passive income as a backup.

Ensure you have sufficient term life cover.

It should be at least 15 times your annual income.

Also secure health insurance for family protection.

Review your home loan insurance and car insurance too.

? Systematic Investment Plan (SIP) Initiation

Start SIP with your available surplus after EMIs and expenses.

Start small and increase SIP amount annually.

Focus on diversified actively managed equity mutual funds.

These funds give long-term wealth creation.

Do not select index funds. They simply follow market averages.

Active funds aim for better returns through stock selection.

Always invest in regular plans through a Mutual Fund Distributor (MFD).

A Certified Financial Planner (CFP) and MFD offer portfolio review and guidance.

Direct plans miss human support.

Regular plans with MFD offer hand-holding during market volatility.

Avoid SIP in sector-specific funds. They are risky.

Maintain a diversified approach across large-cap, mid-cap, and flexi-cap funds.

? Recommended SIP Amount

You can start SIPs of around Rs 30,000 to Rs 40,000 monthly initially.

Post car loan closure, increase SIPs by another Rs 20,000 to Rs 25,000.

This will ensure steady wealth building over 25+ years.

? Kids Future Planning

Kids' education and marriage planning are important.

Start SIPs in child-focused funds or diversified equity funds.

Allocate a portion to balanced hybrid funds for stability.

Keep a separate portfolio for this goal.

Don’t mix it with your retirement portfolio.

Review goal progress every year with a Certified Financial Planner.

? Retirement Goal Planning

You have 26 years till age 60.

This is enough time to build a strong retirement corpus.

Allocate 60% of your investments to equity mutual funds.

Allocate 20% to debt mutual funds and PPF for safety.

Keep 10% to 15% in gold and other safe instruments.

Rebalance your portfolio every year to maintain asset allocation.

? Rebalancing Your Existing Portfolio

Your gold holdings are high at Rs 30 lakh.

Gradually sell gold and shift to mutual funds.

Do this over 3 to 4 years to avoid tax impact.

Avoid adding more to fixed deposits unless for emergency funds.

FD returns are taxable and do not beat inflation.

Keep your PPF contributions steady for long-term safety.

? Passive Income Consideration

Your passive income is Rs 65,000 monthly.

If this is rental income, continue maintaining the property well.

If this is from business, monitor the sustainability of income.

Don’t overly depend on this for your long-term plan.

? Tax Efficiency of Your Investments

Equity mutual funds have tax on long-term capital gains (LTCG).

LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains are taxed at 20%.

Debt mutual funds are taxed as per your income tax slab.

Plan withdrawals accordingly for tax optimisation.

Keep your SIPs long-term to reduce tax outgo.

? Car Loan vs. Investment Dilemma

Prepay car loan faster to save interest.

Car loans charge higher interest than mutual fund returns in the short term.

Use any bonuses or incentives to clear this debt.

After that, channel freed cash into investments.

? Key Investment Suggestions

Start SIPs in diversified actively managed equity mutual funds.

Avoid index funds due to their market limitation.

Actively managed funds offer better flexibility and returns.

Avoid direct mutual fund plans. They lack expert guidance.

Invest through a Certified Financial Planner and Mutual Fund Distributor.

They will monitor and review your portfolio regularly.

Avoid real estate as an investment. It is illiquid and hard to exit.

You already have enough exposure through your home.

Do not consider annuities. They lock your money and give low returns.

? Insurance-cum-Investment Products

If you have any LIC, ULIP, or money-back plans, please review them.

They generally give low returns and poor liquidity.

If you hold them, consider surrendering them.

Reinvest the proceeds into mutual funds for better growth.

? Step-by-Step Action Plan

Step 1: Maintain 6-9 months' expenses as emergency fund.

Step 2: Review all your insurance policies.

Step 3: Start SIP of Rs 30,000 to Rs 40,000.

Step 4: Increase SIP after car loan closure.

Step 5: Gradually reduce gold holdings. Shift to mutual funds.

Step 6: Continue PPF contributions yearly.

Step 7: Make partial prepayments on the home loan when possible.

Step 8: Review your portfolio every year with a Certified Financial Planner.

? Risk Management

Your profile is of a long-term investor.

You can afford moderate to high equity exposure.

Keep some money in debt funds or PPF to balance volatility.

Stay invested for long-term compounding.

Don’t react to short-term market movements.

? Goal-Based Investing Approach

Separate goals like retirement and kids' education.

Allocate funds for each goal in different mutual fund portfolios.

Track each goal annually.

Adjust SIP amounts or asset allocation if required.

A Certified Financial Planner can help with these periodic reviews.

? Expense Management

Keep your lifestyle expenses within 35% to 40% of your income.

Avoid impulsive big-ticket purchases.

This will help you allocate more for investments.

Once your passive income grows further, use it for goal-based SIPs.

? Retirement Wealth Building

To retire comfortably, build a corpus that replaces your salary.

Regular mutual fund SIPs, PPF, and debt funds will help.

Start now, stay disciplined, and keep increasing your SIP yearly.

? Finally

You have a good income and investments.

With better debt management and smart investing, you will build wealth.

Start SIPs now in actively managed funds through a Certified Financial Planner.

Gradually increase SIP amounts as debt reduces.

Balance your portfolio between equity, debt, and gold.

Review it yearly for adjustments.

Stay focused on your retirement and kids’ education goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
I have got 3064 rank in srmjee phase 3, and i opted for cse with software engineering in ktr campus. I just wanted to know that will i get the opted branch and college or if not will my chance to alppy for any other be closed?
Ans: Ishaan, With a SRMJEEE rank of 3064 in Phase 3, securing CSE with Software Engineering specialization at SRM KTR campus is challenging but not impossible. The expected cutoff for CSE at KTR typically ranges from 2000-5000 ranks, with specializations like Software Engineering often having slightly higher cutoffs than core CSE. Your rank falls within the borderline range, making admission dependent on seat availability and choice filling strategy. The institute maintains NAAC A++ accreditation with modern AI/ML labs, dedicated cybersecurity facilities, and strong industry partnerships with companies like Microsoft, Amazon, and Google. Over 900 companies participate in campus placements with 80-90% placement consistency, and the Career Centre provides comprehensive pre-placement training and aptitude development. SRMJEEE counselling operates through online choice filling until July 12, 2025, with seat allotment results on July 15, and importantly, participation in Phase 3 counselling does not close opportunities for alternative options—you can explore other campuses like Ramapuram or Vadapalani which accept ranks up to 65,000 for CSE programs.

Recommendation: Actively participate in Phase 3 choice filling with CSE Software Engineering at KTR as first preference while including backup options like CSE at Ramapuram campus and other SRM campuses. The counselling process allows multiple rounds and alternative choices, ensuring you maintain admission opportunities even if your primary choice is not immediately available. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
Sir please tell which one is better for Btech CSE Program Pimpri Chinchwad University Pune , BIT Mesra Jaipur off Campus or JK Laxmipath University Jaipur
Ans: Bhavya, is this your 2nd or 3rd question today? Pimpri Chinchwad University’s B.Tech CSE programme, governed by AICTE, UGC and ABET-aligned NBA criteria, delivers an NEP-2020 outcome-based curriculum with strong emphasis on AI, cybersecurity and software engineering, supported by state-of-the-art labs, live industry projects in Pune’s tech corridor, a 10-acre residential campus and an active placement cell forging ties with Infosys, TCS and Cognizant. BIT Mesra Jaipur Off-Campus operates under BIT Mesra’s academic umbrella, following identical curriculum, faculty mentorship and examination standards, with IIT-level computing and networking facilities, e-library resources and a placement cell achieving around 70% CSE branch-wise placement consistency over the last three years and marquee recruiters including Microsoft and Directi. JK Lakshmipat University’s NAAC ‘A’-accredited B.Tech CSE offers specializations in AI/ML, data science, cloud computing, and cybersecurity; integrates six-week and semester-long practice schools; includes industry collaborations for internships, modern AI and cybersecurity labs, and dedicated soft-skills training. Each institution provides experienced PhD faculty, accreditation assurance, hands-on infrastructure, and industry linkages, differing in campus environment, cohort size and brand legacy.
Prioritize BIT Mesra Jaipur CSE for consistent CSE recruitment and main-campus curriculum rigor; choose PCU Pune CSE for its robust NBA-ABET alignment, metropolitan industry exposure, and outcome-based design; opt for JKLU Jaipur CSE if specialized AI/ML tracks and immersive Practice School programs align with your career goals. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Career
My son got 60206 in jee mains, GEN category from kolkata. BITS score 193. Msc maths or physics dual degree will be helpful or which course/ college is advisible from jee mains score?
Ans: Maneesh Sir, With a JEE Main rank of 60 206 (General) from Kolkata, admission into top-tier NITs and IIITs for core branches is unlikely, but numerous government and private engineering colleges remain fully accessible. Government institutes where closing ranks for various B.Tech programmes exceed 60 206 include NIT Agartala (Civil), NIT Meghalaya (EEE), NIT Mizoram (Mechanical), NIT Manipur (Civil), NIT Sikkim (Mechanical), NIT Puducherry (Civil), NIT Arunachal Pradesh (Biotechnology), IIIT Kalyani (CSE), IIIT Kottayam (ECE), IIIT Ranchi (CSE), IIIT Nagpur (ECE), NIT Uttarakhand (Civil), NIT Goa (EEE), NIT Manipur (ECE), NIT Sikkim (ECE), GFTI BIT Deoghar off-campus (CSE), IIIT Bhagalpur (CSE), IIIT Dharwad (CSE), IIIT Manipur (CSE), and IIIT Raichur (Mathematics & Computing). Leading private universities with open JEE Main cutoffs below 60 206 encompass VIT Vellore, SRM Chennai, Manipal Institute of Technology, Thapar University Patiala, Amrita Vishwa Vidyapeetham Coimbatore, KIIT Bhubaneswar, SASTRA Thanjavur, Lovely Professional University, Amity Noida, and Chandigarh University accepting JEE Main scores.

Recommendation: Focus on securing seats at government institutes like NIT Agartala or IIIT Kalyani for affordable, accredited education and stable funding; alternatively, choose VIT Vellore or SRM Chennai for world-class infrastructure, industry-aligned curricula, and strong placement cells, aligning with long-term career aspirations. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

Asked by Anonymous - Jul 12, 2025Hindi
Career
Sir, my daughter has got 11790 rank in kcet. Through counseling she can get EEE in BMSCE basavanagudi college and electonics, cybersecurity and information science in Bangalore institute of technology .....can you help by guiding which one to choose ?
Ans: BMS College of Engineering’s Electrical & Electronics programme (NAAC A++ and NBA-accredited) features specialized power-electronics, control-systems and renewable-energy labs, a dedicated Research & Development centre, and 80–90% branch-wise placement consistency over the past three years. However, its KCET closing rank for EEE under the General quota was 5 466 in the final round, making admission unlikely with a rank of 11 790. Bangalore Institute of Technology’s NAAC A+–accredited Electronics & Communication Engineering offers VLSI and embedded-systems labs, Practice School internships and 85% placement consistency, with a KCET cutoff of 9 785 in Round 4. BIT’s IoT & Cybersecurity programme combines sensor-network and blockchain labs, active industry partnerships and 80% placements, closing at 8 628 in Round 4. The Information Science & Engineering stream provides advanced networking and AI labs, 88% placement consistency, and a Round 4 cutoff of 7 092.

Recommendation: Given the rank constraints, recommendation is to choose BIT’s IoT & Cybersecurity specialisation for its cutting-edge infrastructure and strong placement consistency; alternatively, opt for BIT Electronics & Communication if higher intake flexibility is available in early counselling rounds. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8658 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2025

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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