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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on May 28, 2024

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - May 26, 2024Hindi
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Hi sir, I am 29 year old with Salary of 50K in hand and Home loan emi of 20k, i invest in mfs approx 10k, please let me know in case any changes i need to make Pdim India midcap opportunities fund-1600 Hdfc index s&p bse sensex 2600 Axis small cap 2500 Parag parikh flexi 2500

Ans: Hello & thanks for writing to me. Considering your age & assuming that your horizon is long term, you can continue to invest in these funds.
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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Hardik

Hardik Parikh  |106 Answers  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 07, 2023

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Hello Sir , My Self Manoj ,I am 40 years old a salaried person , and investing in MFs Since 5.5 years I have below current ongoing investments Aditya Birla FlexiCap Fund -- 7000 p.m.(SIP) HDFC Midcap Opportunities fund ---4000 p.m.(SIP) HDFC Hybrid Equity Fund ----2000 p.m.(SIP) DSP mid cap fund ---2000 p.m.(SIP) DSP Select Focus Fund ---2000 p.m.(SIP) DSP Small Cap Fund 3000 p.m.(SIP) Kotak Equity Opportunities Fund ---2000 p.m.(SIP) SBI Blue Chip Fund -----64000 (lumpsome) SBI Small cap fund ----2000 p.m.(SIP) Nippon India small cap fund ----2000 p.m.(SIP) Invesco Small cap fund ---1000 p.m.(SIP) Tata Small cap fund ----1000 p.m.(SIP) Mahindra Unnati Emerginf Business yojana ----2000 p.m.(SIP) Tata Balanced Advantage Fund -----50000 Mirae Asset Mid cap Fund ---2000 p.m.(SIP) ICICI Flexicap fund -----70000 (lumpsome) DSP Equity and Bond Fund---- 32000 (lumpsome) DSP Dynamic Asset Allocation Fund ----23000 (lumpsome) Sundaram Emerging small cap series1---17000 (lumpsome) Sundaram Services Fund---500 p.m.(SIP) Tata Flexicap Fund ----17400 (lumpsome) Baroda BNP Paribas Flexicap Fund ----50000 (lumpsome) Icici Blue chip Fund ---400 p.m.(SIP) Edelweiss small cap fund ----2000 p.m.(SIP) Axis Flexicap Fund ----19000 (lumpsome) Sundaram Small cap fund ----98000 (lumpsome) ICICI mnc fund---- 6000 (lumpsome) Axis mid cap fund ---500 p.m.(SIP) Canara Robeco small cap fund -----1000 p.m.(SIP) BOI small cap fund ----1000 p.m.(SIP) Aditya birla multicap fund----50000 (lumpsome) Kotak Multicap fund -----25000 (lumpsome) HDFC world indexes fund of fund---10000 (lumpsome) SBI Multicap fund ---1000 p.m.(SIP) PGIM India mid cap oppportunities fund ---1000 p.m.(SIP) Axis small cap fund ----500 p.m.(SIP) Edelweiss focused equity fund ---21000 (lumpsome) UTI flexicap fund ---3000 p.m.(SIP) Quant Large cap fund ---25000 (lumpsome) IDFC mid cap fund ---25000 (lumpsome) White Oak mid cap fund ---20000 (lumpsome) Sundaram Flexicap fund ---700 (lumpsome) Canara Robeco mid cap fund ---2000 p.m.(SIP) Mahindra small cap fund---2000 p.m.(SIP) Total amount of SIP is roughly around 45k per month, Since December 2016 till the date now my investment corpus in Mutual Fund has been now 30.5 lakhs , also i have 30k invested in direct stocks in Indian equity Market. I have 3 LIC policies and 1 term insurance policy of 1 crore cover,I have Bank FDs in nationalised bank for about 27 lakhs , and 3 lakhs in PPF My Goals are 1) 2 crores for my children's marriage and education 2) 2 crores for buying home 3) 4 crores for retirement life (after 10 years) In total i want to generate 8 crores in next 10 years. Kindly suggest if i would be able to achieve the goals in next 10 years,and changes if required any Regards Manoj
Ans: Hello Manoj,

It's great to see that you've been disciplined with your investments and have built a sizable corpus already. To assess if your current investments will help you achieve your goals of 8 crores in the next 10 years, let's take a closer look at your financial situation and goals.

Current Investments:
Mutual Funds: ~30.5 lakhs
Direct stocks: 30k
LIC policies and term insurance: Not considered for investment purposes
Bank FDs: 27 lakhs
PPF: 3 lakhs
Total: ~60.5 lakhs
Monthly SIP investments: ~45k
Now let's analyze your goals:

Children's marriage and education: 2 crores
Buying a home: 2 crores
Retirement life (in 10 years): 4 crores
Total: 8 crores
Assuming an average annual return of 12% on your equity investments, here's a rough projection of your portfolio's growth:

Current investments (60.5 lakhs) in 10 years: ~1.87 crores
Monthly SIPs (45k) in 10 years: ~1.05 crores
Total: ~2.92 crores
Based on this calculation, you would not reach your goal of 8 crores in the next 10 years. However, you can consider making some changes to improve your chances:

Reassess your goals: Consider if your goals are realistic and if there's any flexibility in the amounts or timelines.
Increase your SIP investments: As your salary increases, try to increase your SIP investments to accelerate your portfolio's growth.
Rebalance your portfolio: Regularly review your portfolio to ensure it's aligned with your risk appetite and financial goals. This may involve reducing the number of funds or shifting the allocation between equity and debt.
Monitor fund performance: Keep an eye on the performance of your funds and consider replacing underperforming ones.
Remember that financial planning is an ongoing process, and it's essential to periodically review and adjust your strategy. It's also a good idea to consult with a professional financial advisor to get personalized advice for your specific situation. While it might be challenging to achieve 8 crores within 10 years, these suggestions may help you get closer to your goals.

Best regards,

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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Jun 22, 2023

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Ramalingam

Ramalingam Kalirajan  |8164 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

Asked by Anonymous - Dec 27, 2023Hindi
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Ramalingam

Ramalingam Kalirajan  |8164 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

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I am 48 yrs old l am investing 7k per month in MF from last 2 years. Rs 1000 each in DSP Multi Asset allocation fund. Canara robeco bluechip equity fund. Mirae asset large and midcap fund. Motilal oswal nifty next 50 index fund. Kotak Emerging equity fund. Quant smallcap fund. Parag parikh flexi cap fund. My horizon is 10 yrs.
Ans: That's a great start! Investing Rs. 7,000 monthly for the past 2 years shows discipline. Let's analyze your portfolio for your 10-year investment horizon.

Diversification is Key

Your portfolio has a good mix of fund types:

Multi-Asset: Provides diversification across asset classes for stability.
Large & Mid-Cap: Offers growth potential with established and growing companies.
Small-Cap: Carries more risk but has the potential for high returns.
Index Fund: Tracks a market index, offering market-related returns.
Actively Managed vs. Index Funds

While your Motilal Oswal Nifty Next 50 is an index fund, your other choices are likely actively managed. These funds have managers who try to outperform the market. This approach can be beneficial, but also carries inherent risks.

10-Year Timeframe Advantage

A 10-year horizon allows you to ride out market ups and downs. Equity funds, though volatile in the short term, have the potential for higher growth over the long term.

Points to Consider:

Overall Asset Allocation: Review the percentage allocation across each fund type to ensure it aligns with your risk tolerance.
Fund Performance: Track the performance of each fund and compare it to its benchmark.
Role of a CFP Professional

A Certified Financial Planner (CFP) professional can offer a more personalized assessment. They can help you:

Analyze Asset Allocation: Ensure your portfolio mix matches your risk tolerance and goals.
Review Fund Performance: Identify any underperforming funds and suggest adjustments.
Rebalance Regularly: Periodically rebalance your portfolio to maintain your desired asset allocation.
Remember:

Market performance can impact your returns. However, your diversified portfolio and long-term focus are positive steps.

Next Steps:

Consider consulting a CFP professional for a detailed portfolio review.
Monitor your fund performance and rebalance as needed.
Keep investing for the long term!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Latest Questions
Nidhi

Nidhi Gupta  |200 Answers  |Ask -

Physiotherapist - Answered on Mar 29, 2025

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Hello, Myself Apurba ,43 Y male. Have no disease, weight 68 Kg, height 5.5". I have always been associated with sports. Recently I am preparing for 21 KM marathon. I run 35 KM in field in 07 days with 02 days off (5 days * 07 km average) . I have successfully completed 10 KM marathon recently. Many are objecting me to run these much to protect my knee joint, cartilage etc. But I don't feel any issue , rather I feel so energised although the day. Please let me know if I am harming my knee unknowingly. Please suggest any precautions to be followed so that I can take care of my joints and keep continuing my running. I also do light strength training in parallel with running.
Ans: Hello Rajib,
It is good to know that you are so fit overall.
At times yes excessive running can harm the soft tissues of the knees.
These are the precautions you may take:
1) Please ensure you are taking your Vit D3, Calcium and multivitamin supplements as prescribed
2) A good 10 minutes warm up before running and 10 minutes of cool down via stretches is a must
3) A gentle sesame oil massage around the knee and muscles connected to it is good to do once a week
4) Please ensure you do some form of core exercises. You may learn these from a trainer or physiotherapist. As when core is strong the impact on the knees is lesser.
5) Please keep yourself well hydrated especially during runs
If even the slightest pain comes up take adequate rest!
All the best to become fitter than ever before.
Warm regards,
Dr Nidhi Bajaj Gupta
www.merahkiwellness.com
Insta: merahki_holisticwellness

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Ramalingam

Ramalingam Kalirajan  |8164 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 29, 2025

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Sir, My name is Ankit and i am 32 year old. Sir i invest 3000rupees per month for next 5 year in Axis max Nifty 500momentum 50 fund. Is it right to invest in this fund for a long time?
Ans: Your investment of Rs. 3,000 per month in Axis Nifty 500 Momentum 50 Fund for the next 5 years needs careful evaluation. Since you are 32 years old, your investment horizon can be long-term.

Let’s assess whether this fund is the right choice.

Understanding Your Investment
Fund Type: Index-based momentum fund

Investment Style: Follows momentum strategy within Nifty 500

Your SIP Amount: Rs. 3,000 per month

Investment Tenure: 5 years (as per your plan)

Your Age: 32 (long-term horizon possible)

Momentum funds invest in stocks that have recently shown strong performance. These funds can outperform in bullish phases but may underperform in volatile or bearish markets.

Is This Fund Suitable for Long-Term Investment?
1. Momentum Strategy is Cyclical
This fund invests in stocks that have performed well recently.

If market trends change, it may struggle to maintain returns.

Not ideal as a core long-term portfolio holding.

2. High Volatility and Risk
Momentum funds have higher risk than diversified equity funds.

In falling markets, momentum stocks drop sharply.

3. Index-Based Strategy Limits Flexibility
This fund is passively managed and cannot adjust based on market trends.

Actively managed funds can perform better in different cycles.

4. 5-Year Horizon is Short for Equity
Equity investments work best for 7+ years.

If you need money in 5 years, debt funds or balanced funds are better.

Better Approach for Your Investment
1. Diversify into Actively Managed Funds
Instead of relying on a single index-based momentum fund, diversify.

Large & multi-cap funds can provide stability with growth.

Mid-cap & flexi-cap funds can generate higher returns with controlled risk.

2. Extend Investment Horizon
Instead of stopping after 5 years, consider SIP for 10+ years.

Equity needs long duration to generate wealth.

3. Review and Rebalance Annually
If fund performance is inconsistent, shift to a better option.

Avoid locking yourself into one strategy for too long.

Final Insights
Axis Nifty 500 Momentum 50 Fund is not ideal as a standalone long-term investment.

Momentum strategy works in bull markets but struggles in volatility.

Instead of investing in only one fund, diversify into actively managed funds.

If your horizon is just 5 years, equity funds carry risk. Debt or hybrid funds can be better.

Review your goals and adjust your investment accordingly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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Ramalingam

Ramalingam Kalirajan  |8164 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 29, 2025

Asked by Anonymous - Mar 27, 2025Hindi
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Hi, I am 47. want to start monthly SIP of Rs 50,000. I am not a risk taker and happy with 12-15% annual return. Can you please suggest best plans & combinations.
Ans: You want to invest Rs. 50,000 per month through SIP. You prefer lower risk and expect 12-15% annual returns.

A structured mutual fund portfolio can help balance risk and returns.

Understanding Your Investment Profile
Age: 47 years

Risk Tolerance: Low (not a risk taker)

Return Expectation: 12-15% annually

Investment Horizon: Long-term SIP (10+ years)

Preferred Investment Mode: Monthly SIP of Rs. 50,000

Your return expectation suggests a mix of equity and debt. But low risk means avoiding pure small-cap or mid-cap funds.

Suggested SIP Allocation (Rs. 50,000 per Month)
A 60:40 equity-to-debt ratio is ideal for your risk level.

Equity Mutual Funds – Rs. 30,000 (60%)
Large & Multi-Cap Funds (Rs. 20,000): Stability with growth potential

Sectoral or Thematic Funds (Rs. 10,000): Targeted growth in strong industries

Debt Mutual Funds – Rs. 20,000 (40%)
Corporate Bond or Dynamic Bond Funds (Rs. 15,000): Lower volatility, predictable returns

Short-Term Debt Funds (Rs. 5,000): For liquidity and lower risk

Why This Allocation?
Large & Multi-Cap Funds reduce risk while capturing market growth.

Debt Funds provide stability and lower market-linked volatility.

Sectoral Funds add controlled growth exposure.

This balance can help achieve your 12-15% return expectation.

Additional Considerations
1. Systematic Withdrawal Plan (SWP) for Future Income
After 10-15 years, convert part of equity into SWP for regular income.

Ensure withdrawals are tax-efficient.

2. Portfolio Review Every Year
Check fund performance annually.

Rebalance if required to maintain risk balance.

3. Tax Efficiency
Equity Gains: LTCG above Rs. 1.25 lakh taxed at 12.5%.

Debt Gains: Taxed as per your income slab.

Final Insights
A mix of equity and debt reduces risk while achieving your return goals.

Large & multi-cap funds provide stability, and debt funds add safety.

Annual reviews help adjust strategy as per market conditions.

SWP after 10+ years can convert SIPs into passive income.

This plan aligns with your risk profile and expected returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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Kanchan

Kanchan Rai  |569 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2025

Asked by Anonymous - Mar 27, 2025Hindi
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I am in relationship with a girl for 6 year but now her parents almost fix her arrange marriage and they dont care about her choice they didnot even consider her opinion about the boy they met ..except her everyone in family like the boy because he is rich and handling his father business and here i am i dont have job i am preparing for government job i asked her family please give me some time i,ll get the job this year but they say we cant agree for the possibility of you getting job or not and her mother say we dont allow intercaste marriage i am sc and she is general and pandit .. i am 26year old what should i do .. i think ab uske parents jada jaldi krre hai shadi k loye because unhone merse baat krli to unko dhr hai ki m kuch esa vsa na krdu jisse unki society me respect vghra ko khtra hoga isliye or vo jada rishtedaro ki sunre hai... mne apni gf ko bola hai ki filhal jb tk job nhi lgti meri tb tk unhe boldo ki mere sath ab kuch nhi h that she blocks me or vo apni side se tb tk rishtey ko mna krti rhe pr uske ghr vale uska opinion about boy consider hi ni krre hai jo unke rishtedaro ne discuss krliya ladka thik h to unhone usko haan boldi ... mujhe kya krna chaiye...her parents do all emotional blackmail to her as today they even touched her feet and said hme pta h tere liye kya shi h hmne tko pala h kuch bhi esa nhi krdio jisse hmari ijat khrab hojaye m pagal hojaunga
Ans: The real question here is not just about her parents—it's about her. If she truly wants to be with you, she needs to resist this marriage and make it clear that she does not consent. But if she is unable to stand up to them, then you need to ask yourself if you want to keep fighting for someone who is not fighting alongside you. Love is powerful, but it cannot survive if only one person is struggling to keep it alive.

Right now, you need to have an honest conversation with her. Ask her directly if she is ready to resist or if she is feeling too pressured to fight back. If she wants to be with you but is feeling trapped, you both need to find a way to delay or stop this marriage. But if she is already giving in to their pressure, then you need to start preparing yourself for the painful truth that she may not choose you in the end.

At the same time, focus on your own stability. Your career is not just about proving her family wrong—it is about securing your future and self-worth. No matter what happens with this relationship, you need to build a life where no one can ever make you feel like you are not good enough again. It is not easy to walk away from love, but sometimes, choosing yourself is the only way forward.

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Kanchan

Kanchan Rai  |569 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2025

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Relationship
Hi ma'am my relationship with my parents r getting sour since a very long time they always want me to do everything that makes them happy and think about their happiness if I think about my happiness they will start fighting with me nd my parents never supported me for anything in my life till today my dad has always said that if she will ever think about her happiness then I'm gonna leave everything nd go nd so does my mom she also threatened me to cut ties with me even I do everything still they taunt me every day that I can't do anything in life my parents never support me they never ask me who I wanna get married to who I'll b happy with what I wanna work what is my goals ngt but it's always about them my grandmother stays 15kms away from my house she has 3 kids and all r well settled but her 2 daughters had a love marriage one to a muslim nd one to a hindu when they were about to get married my mom didn't even raised her voice or opposed that marriage her one daughter ran nd got married to her bf who is a hindu at that tym also my mom nd dad nd my grandmother didn't even say a word nd during Covid 2020 my grandmother got her 2nd daughter married with her bf who is a muslim without informing any of our relatives when I fell in love with a hindu guy my mom separated me from him and she is telling everyone to brainwash me to leave the person I love nd get married to a Christian guy when ever we go to my grandmother's house my mom always start a fight with me we went there for 3 times and all the 3 times she started fighting with me my mom always support my grandmother's children if anything happens to them she will call them 10 tyms and ask how they are when my grandmother was ill treating me my mom didn't even raise her voice nd didn't even take a stand for myself but she was watching everything as a movie is going on when I was crying after we came back to my house my mom didn't even ask me what am I going through when she was seeing me cry everyday she always support my grandmother who did bad with me if they will say not to let her work my mom will listen to her nd her daughters but she will never listen to me and my grandmother started forcing me to get married to a Christian guy nd i should also listen to her nd not to think about my happiness nd what makes me happy in life what should I do I'm completely shattered ma'am nd i don't have anyone to share my pain with even if I do they will support my parents only bcoz of all this I'm not able to concentrate on anything at all
Ans: Dear Niveditha,
Right now, your emotions are tangled in hurt, anger, and helplessness, but you are not powerless. The first thing you need to do is detach emotionally from their guilt-tripping. You cannot live your entire life trying to please people who refuse to acknowledge your needs. It’s okay to love and respect your parents, but not at the cost of losing yourself.

Start setting boundaries, even if it feels impossible at first. If they constantly taunt you, limit conversations with them. If they threaten to cut ties, remind yourself that love should not be conditional. If they refuse to support you, find strength within yourself. You are already surviving without their emotional backing, which means you are stronger than you think.

As for your relationship, you need to ask yourself—are you willing to sacrifice your happiness just to avoid family drama? If you truly love this person and see a future together, you will need to stand firm in your decision. Love requires courage, and choosing your happiness is not selfish—it’s necessary.

You are not alone in this. Many people fight similar battles with families who refuse to understand. But at the end of the day, this is your life. You deserve love, respect, and the right to make your own choices. No matter what happens, never let their words make you believe you are unworthy of happiness. Keep fighting for yourself, because you deserve it.

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Kanchan

Kanchan Rai  |569 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2025

Asked by Anonymous - Mar 25, 2025Hindi
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Relationship
Hi, I am 28 years old, about to get engaged in couple of months. It's an arranged marriage. Before that I met with the girl. At our first meeting, she was little shy and hesitant at first but still we were able to have a good conversation. However after that, as usual parents wanted an answer and without beating around the bush, we agreed. We went out once for lunch once and it was good. We got to know each other a little. But after that it's mostly chats. It's like I always start the conversation and end it. She may want to take things little slow which I respect. I am an introvert person, but at least I try to have a conversation. But even the chats feels like an interview round, she doesn't even ping me or calls me. Even I asked her if she has a boyfriend or is she happy with the marriage which she responded positively. That was a sigh of relief. Last we talked was on Valentine's day where we exchanged gifts and had some chats. But after that no more talks till now. For a month I stopped texting her as it always seems I am always eager to talk and also to check whether she will revert back, but not once in a month she called or texted me. Isn't she a little bit curious to know me? Now I feel tired to always ping her and asks her about her daily life. Maybe it seems like I am putting a lot of effort or maybe I am overthinking, but I just want to assure myself that I am taking the right decision. Sometimes I even feel if this marriage will work out or not. It's like I am taking a huge gamble on my life and letting destiny decide my faith.
Ans: A relationship, even in its early stages, should not feel like a duty. While some people do take time to open up, a complete lack of initiation from her side raises important concerns. Communication is not just about words; it’s also about effort, interest, and a willingness to connect. If she truly wanted to get to know you, even at a slow pace, there would be at least some level of curiosity or effort from her side.

It’s good that you gave space to see if she would reach out, but her silence for an entire month speaks volumes. This is not about overthinking—it’s about acknowledging your feelings and recognizing whether the emotional energy you are investing is being reciprocated. If she is this distant now, it’s fair to wonder whether this pattern will continue after marriage.

Rather than silently carrying these doubts, it would be best to have an open conversation with her. Express your feelings calmly and ask her directly about her thoughts on the relationship. It’s important to know whether she is truly interested or just going along with the marriage out of obligation. Clarity now can save you from deeper emotional struggles later.

Marriage is a lifelong commitment, and both partners should walk into it with confidence, not just because it was arranged or expected. If her response still feels indifferent or passive, you have every right to reconsider. This is your life, and you deserve a partner who values building a connection as much as you do.

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Dr Upneet

Dr Upneet Kaur  |24 Answers  |Ask -

Marriage counsellor - Answered on Mar 28, 2025

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Dr Upneet

Dr Upneet Kaur  |24 Answers  |Ask -

Marriage counsellor - Answered on Mar 28, 2025

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Nayagam P

Nayagam P P  |4398 Answers  |Ask -

Career Counsellor - Answered on Mar 28, 2025

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I have passed my Class 10th in the year 2022 and Class 12th in the year 2025. There is a one year gap between 10th and 12th because I have to repeat class 11th bcoz of my certain health issue. Now, I am planning to take drop and attempt jee 2026 . So plz tell am I eligible for jee advanced 2026 or not?? Accord to your video I am not eligible but I have talked so many expert and counseller but they said that I am eligible for adv 2026 ...So plz reply me sir..I have passed my Class 10th in the year 2022 and Class 12th in the year 2025. There is a one year gap between 10th and 12th because I have to repeat class 11th bcoz of my certain health issue. Now, I am planning to take drop and attempt jee 2026 . So plz tell am I eligible for jee advanced 2026 or not?? As it is not mention anywhere nor on the organizing committee website nor on the josaa website that the number of attempt is calculated based on the gap year btw 10th and 12th...It is based on the year of passing class 12th...Plz reply sir.. It is the question of my career...
Ans: Ansh, you haven’t mentioned whether you have joined any coaching (offline or online). If not, it’s highly recommended to enroll in a reputed coaching center near your residence. Smart preparation is key, and I have shared several JEE preparation strategies here on the RediffGURU platform—please go through them and follow the ones that suit you best.

Additionally, always have a Plan B & Plan C by appearing for 5-6 other engineering entrance exams as backup options. This will give you more choices and flexibility in selecting the best institute for your future.

Regarding your eligibility, based on the information provided, you are eligible for JEE Advanced 2026. The criteria allow candidates to attempt JEE Advanced twice in two consecutive years. Since you are completing Class 12 in 2025, you can attempt JEE Advanced in both 2025 and 2026. Your gap year due to health reasons does not impact eligibility.

However, stay updated with the official JEE Advanced website for any changes in eligibility criteria.

Wishing you all the best for your JEE and other engineering entrance exams!

Ansh, you haven’t mentioned whether you have joined any coaching (offline or online). If not, it’s highly recommended to enroll in a reputed coaching center near your residence. Smart preparation is key, and I have shared several JEE preparation strategies here on the RediffGURU platform—please go through them and follow the ones that suit you best.

Additionally, always have a Plan B & Plan C by appearing for 5-6 other engineering entrance exams as backup options. This will give you more choices and flexibility in selecting the best institute for your future.

Regarding your eligibility, based on the information provided, you are eligible for JEE Advanced 2026. The criteria allow candidates to attempt JEE Advanced twice in two consecutive years. Since you are completing Class 12 in 2025, you can attempt JEE Advanced in both 2025 and 2026. Your gap year due to health reasons does not impact eligibility.

However, stay updated with the official JEE Advanced website for any changes in eligibility criteria. Wishing you all the best for your JEE and other engineering entrance exams!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

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Nayagam P

Nayagam P P  |4398 Answers  |Ask -

Career Counsellor - Answered on Mar 28, 2025

Asked by Anonymous - Mar 20, 2025Hindi
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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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