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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 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 04, 2024Hindi
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I am 31 i have started sip in april 2023 my salary is 4.2k pa. I have lic policy premium 1500 invested in nps 500. Loan of emi 6000 for more 1 years. Were should i invest more for retirement. Hdfc small cap 300 Nippon India growth fund 300 quant mid cap 2000 sbi contra fund 1000

Ans: It's great to see that you're proactively planning for your retirement at a young age. Here are some suggestions to enhance your retirement savings:

Increase SIP Contributions: Since you're already investing through SIPs, consider increasing your monthly contributions gradually as your income grows. This will help you accumulate a larger corpus over time.

Diversify Your Portfolio: While SIPs are a good way to invest regularly, consider diversifying your portfolio across different asset classes such as equity, debt, and gold. This can help spread risk and potentially enhance returns.

Maximize Tax-Efficient Investments: Explore tax-saving investment options like Equity Linked Savings Schemes (ELSS) for your equity investments and Voluntary Provident Fund (VPF) for additional contributions to your EPF/NPS account. These investments offer tax benefits under Section 80C of the Income Tax Act.

Review and Adjust LIC Policy: Evaluate your LIC policy to ensure it aligns with your long-term financial goals and offers competitive returns. If necessary, consider optimizing or redirecting your premiums towards more lucrative investment avenues.

Consider Early Loan Repayment: While it's essential to prioritize retirement savings, if feasible, consider allocating additional funds towards repaying your existing loan EMIs. Reducing debt burden early can free up more disposable income for future investments.

Consult a Financial Planner: Given your unique financial situation and goals, consider consulting a Certified Financial Planner (CFP) who can provide personalized advice and help optimize your investment strategy for retirement planning.

By taking a holistic approach to retirement planning, including increasing SIP contributions, diversifying your portfolio, maximizing tax-efficient investments, reviewing existing policies, and consulting a financial planner, you can strengthen your financial foundation and work towards achieving a comfortable retirement.
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  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Hi Sir, I am 36 years old current salary 1.4 L monthly and want to have a retirement corpus of 5 Cr at the age of 45. I am investing in below sips ICICI prudential value discovery growth-5k since 2016 Pgim India flexi cap 5k since 2020 Pgim midcap 5k since 2020 Nippon India small cap growth 8k since 2024.please let me know if my investments are okay and do I need to diversify
Ans: You've already taken a commendable step by starting your investments, and aiming for a significant retirement corpus is a great goal. Let's evaluate your current investments and suggest some adjustments.

Diversification:
While you have diversified across different categories like flexi-cap, mid-cap, and small-cap, you might want to consider adding a large-cap or a balanced fund to bring stability to your portfolio.
Diversification across different market caps and sectors can help in reducing the overall risk.
Consistency:
It's good to see that you've been investing consistently, which is the key to long-term wealth creation.
Review the performance of your funds annually to ensure they are aligning with your financial goals.
Risk Assessment:
Mid-cap and small-cap funds tend to be riskier but offer higher growth potential. Ensure you are comfortable with the associated volatility and risk.
As you approach closer to your retirement age, you might want to gradually shift towards more conservative investment options to safeguard your corpus.
Goal Planning:
To achieve a retirement corpus of 5 Cr by the age of 45, you need to ensure your investments are aligned with this goal.
Consider increasing your SIP amounts periodically or adding lump-sum amounts whenever possible to accelerate your wealth accumulation.
Professional Advice:
Consulting a Certified Financial Planner can provide personalized advice tailored to your financial situation and goals.
They can help in optimizing your portfolio, ensuring you are on track to achieve your retirement goal, and making necessary adjustments based on changing market conditions and your financial situation.
In conclusion, while your current investments are a good start, diversifying further and ensuring alignment with your retirement goal will be beneficial. Regularly reviewing and adjusting your portfolio as needed can help you stay on track. Remember, investing is a marathon, not a sprint, and staying disciplined and patient will be key to achieving your financial goals.

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Ramalingam

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

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Hi i am 34 years old. I have started a 4 SIP each of 5000?, HDFC midcap opportunity fund direct growth, HDFC Index nifty fifty, Parag parekh flexi fund and Nippon India Small cap fund. Kindly suggest any changes or need to add more sip. I want to retire in next 12 years
Ans: Congratulations on taking proactive steps towards building your retirement corpus through SIP investments. Let's review your current portfolio and make necessary adjustments to align it with your retirement goal in the next 12 years.

Evaluating Your Current SIP Portfolio
Portfolio Composition
You've initiated SIPs in four funds, focusing on mid-cap, index, flexi-cap, and small-cap categories. This shows a well-diversified approach towards wealth creation.

Risk Profile
Your portfolio reflects a moderate to high-risk appetite, with exposure to mid-cap and small-cap funds known for their volatility.

Assessing the Need for Changes
Mid-Cap Fund
Advantage: Mid-cap funds have the potential for high growth, suitable for long-term wealth creation.
Consideration: Ensure you're comfortable with the higher risk associated with mid-cap stocks.
Index Fund
Advantage: Index funds offer broad market exposure at low costs, ideal for passive investors.
Consideration: While index funds offer stability, they may not outperform actively managed funds in bull markets.
Flexi-Cap Fund
Advantage: Flexi-cap funds provide flexibility to invest across market caps based on prevailing market conditions.
Consideration: Ensure the fund manager's strategy aligns with your investment goals and risk tolerance.
Small-Cap Fund
Advantage: Small-cap funds have the potential for high growth, but they come with higher volatility.
Consideration: Be prepared for fluctuations in returns and market risks associated with small-cap stocks.
Recommendations for Portfolio Optimization
Rebalancing the Portfolio
Consider rebalancing your portfolio to maintain an optimal asset allocation based on your risk tolerance and investment horizon.
Assess the current market conditions and performance of individual funds to make informed decisions.
Reviewing Fund Performance
Regularly monitor the performance of your SIP funds and assess their consistency in delivering returns.
Evaluate fund managers' track records, investment strategies, and portfolio compositions to ensure alignment with your goals.
Potential Addition of Debt or Hybrid Funds
Given the aggressive nature of your current portfolio, consider adding debt or hybrid funds to balance risk and provide stability.
Debt funds can provide steady returns with lower volatility, suitable for risk-averse investors approaching retirement.
Benefits of Regular Funds Investing through MFD with CFP Credential
Investing through a Certified Financial Planner (CFP) who is also a Mutual Fund Distributor (MFD) offers several advantages:

Personalized Advice: A CFP can provide tailored investment advice based on your financial goals, risk appetite, and investment horizon.

Portfolio Diversification: A CFP can help you build a diversified investment portfolio aligned with your objectives, spreading risk across various asset classes.

Ongoing Monitoring: With regular reviews and updates, a CFP ensures your investments stay on track to meet your goals.

Conclusion
Your current SIP portfolio demonstrates a proactive approach towards wealth creation for retirement. By reviewing and optimizing your portfolio periodically, you can ensure it remains aligned with your long-term financial goals. Consider consulting with a Certified Financial Planner (CFP) to receive personalized guidance and maximize your investment potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

Asked by Anonymous - Jul 24, 2024Hindi
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I am 51 years old and need advice for retirement planning. I have invested in SIP since last 14 years and my current portfolio is 2.75 cr. I have savings in PPF about 17.5 lacs and 6 lacs in savings. I am living in Bangalore in rented apartment.
Ans: At 51, you've built a strong foundation with Rs 2.75 crore in SIPs, Rs 17.5 lakh in PPF, and Rs 6 lakh in savings. These efforts reflect your commitment to financial security. Now, let's focus on how to optimise these assets for a comfortable retirement.

Evaluating Your Investment Strategy

SIP Investments: Your Rs 2.75 crore portfolio from SIPs indicates a disciplined investment habit. However, it’s important to assess whether the current portfolio mix aligns with your retirement goals.

PPF Contribution: Rs 17.5 lakh in PPF provides a stable and safe return. It’s a good strategy for tax savings and guaranteed returns. However, the returns may be lower than other options over a long period.

Savings: Rs 6 lakh in savings ensures liquidity for emergencies. It's vital to keep this amount, or slightly more, for unforeseen expenses without affecting your investments.

Renting vs. Owning a Home

Living in a Rented Apartment: Renting provides flexibility, especially in a city like Bangalore. However, consider if buying a home aligns with your retirement goals. Home ownership can provide security but comes with responsibilities and costs.

Cost of Living: Evaluate the long-term cost of renting versus the potential benefits of owning a home. If you plan to stay in Bangalore, purchasing a home might provide stability. However, renting allows for flexibility and avoids the burden of property maintenance.

Optimising Your Retirement Portfolio

To ensure your investments continue to grow and support you through retirement, consider the following strategies:

Diversification: Review your current SIP portfolio. Ensure it's diversified across different asset classes like large-cap, mid-cap, and flexi-cap funds. This diversification can help manage risk while aiming for higher returns.

Balanced Allocation: At 51, it's wise to maintain a balance between equity and debt. While equity provides growth, debt ensures stability. A gradual shift towards debt as you approach retirement can protect your corpus from market volatility.

Regular vs. Direct Funds: If you're currently investing in direct mutual funds, you might miss out on expert advice. Regular funds, through a Certified Financial Planner (CFP), offer guidance and regular monitoring. The slight increase in expense ratio can be justified by the professional support.

Future Income Planning

Monthly Income Post-Retirement: Estimate your monthly expenses post-retirement. Consider factors like inflation, healthcare, and lifestyle. Your investments should generate a steady income to cover these costs.

Systematic Withdrawal Plan (SWP): An SWP from your mutual funds can provide a regular income stream. This allows you to withdraw a fixed amount every month while keeping the rest of your investments growing.

Insurance and Contingency Planning

Health Insurance: Ensure you have adequate health insurance, especially as medical costs rise with age. A comprehensive policy will protect your savings from unexpected medical expenses.

Life Insurance: At this stage, assess the necessity of life insurance. If your children are financially independent, you might not need a large cover. However, ensure that your spouse is protected in your absence.

Emergency Fund: Maintain or increase your Rs 6 lakh savings to ensure it's sufficient for emergencies. This fund should cover at least 6-12 months of expenses.

Estate Planning

Will and Nomination: Ensure you have a will in place. Clearly mention the nominees for your investments, bank accounts, and other assets. This will avoid legal complications for your heirs.

Power of Attorney: Consider assigning a trusted person as your power of attorney. This ensures that your financial affairs are managed if you're unable to do so.

Final Insights

At 51, you're on the right track with a substantial investment portfolio. Your discipline in SIPs and PPF has built a solid foundation. Now, focus on optimising and protecting your assets for a secure retirement.

Consider diversifying your investments, balancing equity with debt, and ensuring you have adequate insurance coverage. Plan for a steady income stream post-retirement through an SWP. Keep your emergency fund robust, and ensure your estate planning is up to date.

With careful planning and regular reviews, you can achieve a comfortable and financially secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

Asked by Anonymous - Nov 21, 2024Hindi
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Hello sir, I am 49 years old male, investing rs 30000 permonth in sip since 2016 October. Getting 3lacs per month after tax deduction. Has a house loan of 40lacs 19years more with monthly emi of 40k. Has 25lacs star health insurance. Needs around 40lacs per year for 3 years for my son's abroad education from next year.... And planning to retire at 55. Kindly guide me to invest for a retirement plan (2 lacs monthly pension) and sons education. Thank you.
Ans: Your financial journey is commendable. Investing Rs 30,000 per month through SIP since 2016 is a disciplined approach. Balancing a house loan, education goals, and retirement is crucial. Let's craft a structured strategy for your priorities.

Current Financial Snapshot
Monthly Income: Rs 3 lakhs (post-tax).

House Loan EMI: Rs 40,000 monthly.

Health Insurance: Rs 25 lakhs coverage.

Education Goal: Rs 40 lakhs annually for 3 years starting next year.

Retirement Goal: Rs 2 lakhs monthly pension from 55 years.

Priority 1: Son’s Abroad Education
Your son’s education requires Rs 1.2 crore in 3 years.

Allocate current SIP investments towards this goal.

Use a mix of short-term debt funds and balanced hybrid funds.

Redeem SIPs closer to need, considering market trends.

Avoid taking high-risk equity exposure for this short-term goal.

Any surplus income or bonuses should be added to this goal.

Priority 2: House Loan Management
Your loan has a 19-year tenure, costing Rs 40,000 monthly.

Avoid prepayments now to prioritize education.

Post-education, consider reducing the loan tenure by increasing EMI.

This will help you save significant interest over the loan period.

Priority 3: Retirement Planning
You plan to retire at 55, requiring Rs 2 lakhs monthly.

This translates to Rs 24 lakhs annually post-retirement.

Inflation-adjusted corpus needed: Rs 6-7 crore (approximate).

Steps to Build the Retirement Corpus:

Increase SIP contributions once education expenses reduce.

Use a mix of large-cap, flexi-cap, and multi-cap mutual funds for growth.

Keep 10-15% allocation in debt funds for stability.

Review and rebalance the portfolio annually.

After 55, shift corpus to systematic withdrawal plans (SWPs) for regular income.

Suggestions for Health Insurance
Your Rs 25 lakh health insurance cover is decent but may be insufficient.

Add a super top-up plan of Rs 25-30 lakhs.

This will safeguard you against rising medical costs.

Contingency Fund
Maintain a fund for emergencies, equal to 6-12 months of expenses.

This should cover household costs and EMI.

Invest in liquid funds or fixed deposits for easy access.

Tax Planning
Your investments should align with the new tax rules.

For equity mutual funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term gains from equity funds attract 20% tax.

Debt funds gains are taxed as per your income slab.

Factor these into your withdrawals for education or retirement.

Investment Approach
Use actively managed funds to outperform benchmarks.

Avoid index funds due to limited flexibility in volatile markets.

Invest through a Certified Financial Planner for expert guidance.

Regular plans offer the added benefit of professional advice.

Insurance Review
Evaluate your insurance policies.

If you hold LIC or ULIP policies, consider surrendering and reinvesting in mutual funds.

This will optimize returns for long-term goals.

Recommendations for the Next Steps
Education Fund: Reallocate existing SIPs to low-risk funds.

Retirement Fund: Increase SIP contributions gradually after education expenses.

Health Insurance: Enhance coverage with a super top-up plan.

Emergency Fund: Build a liquid corpus for unforeseen needs.

Finally
Your disciplined approach is inspiring. Focusing on these steps will ensure your goals are met. A Certified Financial Planner can provide personalized strategies.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

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Sir I might get ECE at NIT Durgapur via CSAB, and have already got CSE at IIEST Shibpur... considering which one will be better?? does NIT Durgapur's reputation anyhow help in getting better placements than Shibpur?
Ans: NIT Durgapur’s ECE branch recorded a placement rate of nearly 65% in 2024, with around 17% higher average salaries compared to most other engineering departments at the institute and key recruiters spanning both core and software sectors. However, IIEST Shibpur’s CSE branch consistently secures higher placement rates—over 83% in recent years—backed by an excellent academic reputation, prominent national rankings, advanced research facilities, and consistently strong industry presence from top IT and consulting firms. Nationally, IIEST Shibpur is ranked higher than NIT Durgapur and stands out for its historic legacy, modernized infrastructure, and superior research output, attracting a vibrant peer group and leading to strong outcomes both for direct placements and future studies. IIEST’s holistic environment and the ever-increasing demand for computer science skills further enhance long-term flexibility and career prospects compared to an ECE degree from NIT Durgapur.

Recommendation: CSE at IIEST Shibpur is the better choice, providing higher placement rates, superior national ranking, cutting-edge curriculum, broader job profiles, and greater growth opportunities. Unless your exclusive interest is ECE, IIEST Shibpur’s CSE offers a more secure and rewarding pathway for academic and career advancement. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
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Pes electronic city cse and bms aiml which is better
Ans: Based on the following insights/information and your interest/long-term goals, choose the more suitable option for you: PES University’s Electronic City campus for CSE and BMS College’s AI & ML branch both enjoy strong academic reputations, but there are notable distinctions. PES Electronic City CSE offers modern infrastructure, updated curriculum, and active placements backed by the same centralized process as the renowned RR Banashankari campus, resulting in 80–90% placement rates for CSE and parallel recruiter participation. However, the RR campus holds a marginal edge in infrastructure quality, faculty depth, peer group, club activities, and alumni networking, leading to a more vibrant environment and slightly superior exposure. Electronic City’s CSE students nevertheless secure nearly identical placement opportunities and compensation as those at RR, with consistent recruiter overlap and strong industry demand. BMS AI & ML has achieved a commendable 85.7% placement rate in 2025, with rapid growth in industry partnerships and career support, but the scale, brand strength, and campus-wide opportunities still trail PES’s system. All programs are strong on teaching quality, industry connectivity, campus life, and placement preparation, yet RR campus remains the gold standard among aspirants. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

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I am getting ETC in IIEST shibpur , CRL 54472 Obc ncl - 16199. Please suggest if there is any better option in csab.
Ans: With a CRL rank of 54,472 and OBC-NCL rank of 16,199, being allotted Electronics and Telecommunication Engineering (ETC) at IIEST Shibpur is a solid achievement, as the institute’s OBC-NCL closing ranks for this branch often hover around this level. At these ranks, there is virtually no chance of securing a higher-demand branch, such as CSE or IT, in the NIT or IIIT system through CSAB, as recent cutoffs show cutoffs for CSE/IT in OBC-NCL tend to close much earlier in the top and mid-tier NITs and IIITs. The CSAB counselling process does leave room for ECE or allied branches in some newer NITs or GFTIs, but these generally do not surpass IIEST’s academic reputation, infrastructure, or placement records. IIEST Shibpur’s ETC department provides a strong faculty base, updated curriculum, and consistent placement opportunities, with campus-wide placement rates in recent years consistently above 80%, and major recruiters in telecom, IT, and electronics sectors participating actively. The campus offers robust research output, strong student support services, modern labs, and a vibrant peer community, which collectively foster sound technical and holistic development.

Recommendation: Accepting ETC at IIEST Shibpur is the optimal option at your present ranks, since CSAB is unlikely to yield a “better” branch or institute given category cutoffs. The program ensures excellent academic grounding, a reputable degree, and broad career prospects, making it a wise and pragmatic choice for your engineering journey. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
I got 5649 rank in kcet 2025 can I get bmsce cse
Ans: With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these institutions possess the essential characteristics of academic rigor, modern infrastructure, industry engagement, strong placement cells, and active student support services, ensuring holistic student development. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

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Hello sir I have got enc in thapar and ai in ymca faridabad and ai in ipu which one is better for better placements
Ans: Jyoti, Thapar’s Electronics & Communication (ENC) program consistently achieves near-perfect placement—approximately 100% for ECE/ENC branches over the past three years—with 90%+ of eligible students placed annually by over 200 recruiters including Microsoft, Amazon, Deloitte, and JP Morgan. YMCA Faridabad’s B.Tech in Robotics & AI is a nascent branch without specific historic data, but overall B.Tech placement percentages rose from 69.9% in 2022 to 89% in 2024, supported by 475+ companies and 526 students placed in 2024. GGSIPU’s AI & Data Science programs through IPU report placement rates of 90% in 2022 and 76% in 2023, with 32 top recruiters visiting USICT in 2024. Evaluating these on academic quality, research & innovation, student support, industry linkage, and alumni network reveals Thapar’s mature ENC ecosystem excels in placement diversity and infrastructure, YMCA offers growing industry engagement in a specialized field, and IPU provides broad exposure but variable recent outcomes.

Recommendation: Thapar University’s ENC ranks first for placement reliability and recruiter breadth, YMCA Faridabad AI follows for its rapid placement growth and strong industry collaborations, and IPU AI ranks third due to fluctuating placement rates despite a robust placement cell. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

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SIR MY DAUGHTER ALLOTED. ECE. IN LNMIIT JAIPUR AND. C. E. IN THAPAR. PATIALA WHICH IS BETTER
Ans: LNMIIT Jaipur’s ECE program is NAAC Grade A accredited, offers a strong foundation in electronics and communication, and emphasizes innovation with opportunities in IoT, AI, and data science. It boasts a 93.76% placement rate in 2025, with continual growth in recruiter diversity, and a vibrant campus for holistic development. Thapar Institute of Engineering & Technology, Patiala, offers Civil Engineering with a premier national reputation (NIRF #43), robust infrastructure, and academic depth, alongside strong training, research, and placement support. In 2023, Thapar’s overall undergraduate placement rate was 83%, featuring a notable presence of top recruiters and a large alumni network; however, core civil engineering placements may not be as competitive as those in technology branches.

Recommendation: For a future-oriented, versatile engineering education with superior placement prospects and broader career flexibility, LNMIIT Jaipur ECE is the preferred option. Its elevated placement rate, interdisciplinary opportunities in fast-growing technology fields, and dynamic learning environment will best support your daughter’s holistic academic and professional development. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
"Should I take the leap and join IIIT Hyderabad through LEEE for better exposure, cutting-edge opportunities, and a prestigious peer group despite the high fees and financial burden, or should I continue in my current college where I can still engage in clubs, projects, and build a strong profile for pursuing M.Tech at a top institute later without the financial strain?"
Ans: IIIT Hyderabad is widely recognized for its academic excellence, research intensity, and prestigious peer environment, reflected in consistently high global and national rankings (501-600 in THE World Rankings, 47th NIRF Engineering 2024). Admission through LEEE allows lateral entry into its coveted dual degree (B.Tech + MS by Research) path, offering an immersive, four-year program with a distinct focus on innovation, cutting-edge technologies, and research aptitude. Students benefit from close mentorship, vibrant tech-centered clubs, hands-on exposure via open-source collaborations and industry-driven internship programs, and immediate access to India’s top minds in computer science and allied disciplines. Infrastructure is sophisticated, with 20+ research labs, AI, data science, and IoT centers, and active participation in national and international hackathons, joint industrial ventures, and conferences. Peer quality is regarded as exceptional; IIITH draws high-performing students with strong Olympiad, competitive programming, and research backgrounds, fostering an intellectually stimulating and collaborative campus culture. Placement outcomes are outstanding, with 98.8–99.3% placement rates across BTech/MS and nearly universal offers at global tech companies, research organizations, and emerging startups, ensuring rapid RoI and long-term career advancement for most graduates. However, the annual fee for the dual degree program is substantial—?4,50,000 per annum, potentially rising—posing a significant financial commitment, despite limited-but-merit-based scholarship options. By contrast, building a strong profile at your current college for future M.Tech at a top institution remains a prudent, financially less burdensome approach, especially if you secure strong academic scores, relevant projects, national-level internships, and competitive exam results (GATE/PGEE), and may still lead to prestigious research or industry positions.

Recommendation: If financial constraints are substantial and could create long-term strain, strengthening your profile at your current college while aiming for an M.Tech at a top institute (IITs, IIITH, IISc) is the wiser, lower-risk option. If finances are manageable or scholarships are secured, joining IIIT Hyderabad through LEEE confers unmatched, immediate exposure, peer excellence, and research-led career acceleration. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Career
Hi Sir, I have completed my graduation in Mechanical Engineering,I attempted GATE 2025 in CS paper and qualified. I participated in CCMT counselling and secured seat in IIITDM kurnool in AI&DA specialization.What is placement scenario there for Mtech,Should I consider this CoLlage as non CS graduate.
Ans: Ravinder, With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these colleges have strong academics, good facilities, connections with industries, effective job placement services, and support for students, which helps in overall student growth. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Career
Is Sri Aurobindo college delhi worth it for BA programme in Commerce + Economics
Ans: Sri Aurobindo College (Morning), affiliated with the University of Delhi, is recognized for its balanced blend of academic quality and holistic student growth, offering the BA Programme in Commerce + Economics as a three-year, full-time course with broad exposure to both commercial and economic fundamentals. The curriculum draws upon an experienced faculty and integrates traditional and skill enhancement papers covering macroeconomics, finance, business, budget analysis, and research methodology, ensuring a solid grounding in analytical and market-relevant skills. The campus supports learning through modern infrastructure, including computerized libraries with over 60,000 books, computer labs, seminar rooms, and Wi-Fi access, alongside encouragement for participation in seminars, sports, and cultural activities to nurture well-rounded development. The placement cell at Sri Aurobindo College is active, regularly conducting placement drives and offering both on-campus and off-campus opportunities. Over the last three years, about 55% of students have been placed annually in companies such as Deloitte, Wipro, TCS, ICICI Bank, and others, while internships are facilitated for additional industry exposure. The program in Commerce + Economics is highly sought after in India, preparing graduates for roles in analytics, finance, policy, research, and consulting, with current trends indicating growing demand for such interdisciplinary profiles in the dynamic job market. Alumni and student feedback praise the supportive faculty, robust academic culture, and industry linkages. The department is further bolstered by active student associations and networking opportunities that enhance employability and professional growth.

Recommendation: Opting for the BA Programme in Commerce + Economics at Sri Aurobindo College, Delhi, is worthwhile. This choice offers a strong academic reputation, well-developed infrastructure, consistent placement support with about 55% placement rates, and promising interdisciplinary prospects—making it a viable option for both higher education and diverse career pathways in today’s evolving economic landscape. All the BEST for a Prosperous Future!

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