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Ramalingam

Ramalingam Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 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
Ramesh Question by Ramesh on May 17, 2024Hindi
Money

Sir. I am 33 I can make an SIP 50k for at least 5years I don't even have any saving right now how can I proceed further...thank you ????

Ans: Investing Rs. 50,000 per month in a Systematic Investment Plan (SIP) for five years is a commendable step. At 33 years old, you have the advantage of time on your side. Let's explore a strategic approach to achieving your financial goals through mutual funds.

Understanding Your Financial Position
Starting Point

You currently have no savings, but you can invest Rs. 50,000 monthly. This consistent investment will be a strong foundation for building your wealth.

Importance of Emergency Fund

Before starting your SIPs, it's crucial to have an emergency fund. This should cover 6-12 months of your living expenses. It ensures financial security during unforeseen circumstances.

Health and Life Insurance

Adequate insurance is necessary to protect your investments. Ensure you have sufficient health and life insurance coverage.

Benefits of SIPs
Rupee Cost Averaging

SIPs help in averaging the purchase cost over time, reducing the impact of market volatility. It allows you to buy more units when prices are low and fewer when prices are high.

Discipline and Consistency

Regular investments instill financial discipline. It encourages saving and investing before spending, ensuring consistent wealth accumulation.

Power of Compounding

Starting early and investing regularly allows your investments to grow exponentially over time. Compounding can significantly increase your wealth.

Selecting the Right Mutual Funds
Actively Managed Equity Funds
High Growth Potential

Actively managed equity funds are managed by professional fund managers who select stocks aiming to outperform the market. They can provide substantial returns over the long term.

Market Expertise

These funds benefit from the expertise of fund managers who analyze and pick stocks based on market trends and company performance.

Disadvantages of Index Funds

Index funds passively track market indices. They may not outperform during volatile markets. Active funds aim for better returns through strategic stock selection.

Diversified Equity Funds
Risk Mitigation

Diversified equity funds spread investments across various sectors. This reduces the impact of poor performance in any single sector, providing a balanced growth opportunity.

Consistent Performance

These funds aim to provide consistent returns by diversifying across sectors and companies. They balance risk and return effectively.

Hybrid Funds
Balanced Approach

Hybrid funds invest in both equity and debt instruments. They provide the growth potential of equities and the stability of debt.

Moderate Risk

These funds are suitable for investors with moderate risk tolerance. They offer balanced returns with lower volatility compared to pure equity funds.

Building Your SIP Portfolio
High Growth Equity Funds

Allocate a significant portion of your SIP to high growth equity funds. They have the potential to provide substantial returns over time.

Diversified Equity Funds

Include diversified equity funds in your portfolio to spread risk. They provide balanced growth by investing across various sectors.

Hybrid Funds

Add hybrid funds to your portfolio for stability. They balance growth and risk, making them suitable for conservative investors.

Avoiding Index Funds

While index funds have low fees, they may not provide the desired growth. Actively managed funds aim to outperform the market, offering better returns.

Regular Funds vs. Direct Funds

Advantages of Regular Funds

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) provides professional guidance. They help in selecting the right funds and managing your portfolio effectively.

Disadvantages of Direct Funds

Direct funds have lower expense ratios but lack professional guidance. Investors must have the expertise to select and manage funds independently.

Monitoring and Adjusting Your Portfolio
Regular Reviews

Regularly review your portfolio to ensure it aligns with your financial goals. Adjust the allocation based on market conditions and personal circumstances.

Rebalancing

Periodically rebalance your portfolio to maintain the desired asset allocation. This involves buying and selling funds to keep the portfolio balanced.

Staying Informed

Stay updated with market trends and fund performance. Knowledgeable investors make informed decisions, ensuring better returns.

Professional Guidance
Certified Financial Planner (CFP)

A CFP provides personalized advice based on your financial situation and goals. They help in constructing a diversified portfolio that balances risk and return effectively.

Regular Consultation

Regular consultations with a CFP ensure your investments remain aligned with your goals. They provide insights and adjustments to optimize your investment strategy.

Setting Realistic Financial Goals
Achievable Targets

Set realistic financial goals based on your income and investment capacity. Unrealistic targets can lead to disappointment and poor investment decisions.

Long-Term Perspective

Focus on long-term wealth creation rather than short-term gains. Long-term investments benefit from compounding and provide substantial returns.

Conclusion
Starting a SIP of Rs. 50,000 per month is a significant step towards financial growth. Focus on building a diversified portfolio with a mix of actively managed equity funds, diversified equity funds, and hybrid funds. Regularly review and adjust your portfolio, and seek professional guidance from a CFP to achieve your financial goals.

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 Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Hi sir am 35yrs old , and i don't have any savings till now. I am planning to do SIP now onwards 30k per month and mai aim is to I need to achieve 1cr till 45yrs. Kindly suggest me some funds were can I invest.
Ans: Starting a Systematic Investment Plan (SIP) is a great step towards building wealth for your future goals. Given your goal of reaching 1 crore by the age of 45, it's essential to choose mutual funds that align with your risk tolerance, investment horizon, and financial objectives. Here are some suggestions for mutual funds to consider for your SIP:

Diversified Equity Funds:
Look for funds that invest across various sectors and market capitalizations to spread risk.
Consider funds with a proven track record of consistent performance and experienced fund managers.
Large Cap Funds:
Large-cap funds invest in established and well-known companies with a track record of stable earnings.
These funds offer relatively lower risk compared to mid and small-cap funds, making them suitable for long-term wealth creation.
Mid and Small Cap Funds:
Mid and small-cap funds have the potential for higher growth but come with higher volatility.
Invest in these funds if you have a higher risk appetite and a longer investment horizon to ride out market fluctuations.
Balanced Funds:
Balanced funds, also known as hybrid funds, invest in a mix of equities and debt instruments.
These funds provide a balance between growth and stability, making them suitable for investors seeking moderate risk with potential for capital appreciation.
Index Funds:
Index funds replicate the performance of a specific market index, such as the Nifty or Sensex.
These funds offer low expense ratios and are ideal for investors looking for passive investment options with diversified exposure to the equity market.
Tax-saving ELSS Funds:
Consider investing in Equity Linked Savings Schemes (ELSS) to benefit from tax deductions under Section 80C of the Income Tax Act.
ELSS funds have a lock-in period of three years and invest primarily in equities, offering the potential for higher returns over the long term.
International Funds:
Explore international funds that invest in global markets to diversify your portfolio and access opportunities beyond domestic markets.
These funds provide exposure to sectors and companies not available in the Indian market and can offer diversification benefits.
Before investing, assess your risk tolerance, investment horizon, and financial goals. Consider consulting with a Certified Financial Planner to create a personalized investment plan tailored to your needs and objectives. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your goal of 1 crore by the age of 45. Remember, disciplined investing over time can help you achieve your financial aspirations.

..Read more

Ramalingam

Ramalingam Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Money
Hi sir my self Ajay I am 21 newly joined to job my salary is 30k per month I like to invest in sip how can I get 10crores in the age of 40
Ans: Ajay, first of all, congratulations on your new job and salary of Rs 30,000 per month! It's commendable that you are thinking about long-term financial goals at such a young age. Investing in a Systematic Investment Plan (SIP) to achieve Rs 10 crores by the age of 40 is ambitious but achievable with discipline and a good strategy. Let’s delve into the essentials.

Understanding SIPs and Their Benefits
Systematic Investment Plans (SIPs) allow you to invest a fixed amount regularly in mutual funds. This disciplined approach promotes regular savings and takes advantage of rupee cost averaging and the power of compounding.

Importance of Early Investment
Starting early gives your investments more time to grow. The longer your money stays invested, the more it can benefit from compounding. This means your initial investments and the returns they generate will earn more returns over time.

Setting Realistic Goals
Aiming for Rs 10 crores by 40 is a significant goal. It requires careful planning, consistent investing, and a keen eye on your portfolio's performance. Regular reviews and adjustments are essential.

Calculating the Required Investment
To reach Rs 10 crores, you need to calculate how much to invest monthly. While exact numbers depend on various factors, a Certified Financial Planner (CFP) can help with tailored advice considering your specific circumstances and market conditions.

Choosing the Right Funds
Opt for a mix of equity and debt funds. Equity funds, despite their higher risk, offer higher returns in the long term. Debt funds provide stability to your portfolio. Diversification helps manage risk while aiming for higher returns.

Importance of Active Fund Management
Actively managed funds can outperform the market due to the expertise of fund managers. They have the skills to pick high-performing stocks and adapt to market changes, unlike index funds which simply replicate a market index.

Role of a Certified Financial Planner
A CFP can guide you in selecting the best funds suited to your goals and risk appetite. Their expertise ensures that your investments are well-aligned with your financial objectives.

Regular Monitoring and Rebalancing
Investments need regular monitoring to stay on track. Market conditions change, and so should your investment strategy. Rebalancing your portfolio ensures that your asset allocation remains aligned with your goals.

Avoiding Direct Funds
Investing through direct funds might seem cost-effective, but they lack professional advice. Investing through a regular plan with a CFP ensures expert guidance, helping you make informed decisions and avoid common pitfalls.

Understanding Market Risks
Investing in mutual funds, especially equity funds, involves market risks. It's crucial to be aware of these risks and have a long-term perspective. Market fluctuations are normal, but staying invested usually pays off in the long run.

Power of Compounding
Compounding means earning returns on your returns. It’s a powerful tool for growing your wealth, especially when you start early and invest regularly. The longer your money compounds, the greater your wealth accumulation.

Consistent Investment
Consistency is key in SIP investing. Even if the market is down, continue your investments. This discipline helps in accumulating more units at lower prices, benefiting you when the market rebounds.

Tax Implications
Be aware of the tax implications of your investments. Equity funds are taxed differently than debt funds. Understanding these taxes can help you plan better and maximize your returns after tax.

Financial Discipline
Maintaining financial discipline is essential. Budget your expenses, save regularly, and invest wisely. Avoid unnecessary debts and ensure that your investments align with your financial goals.

Emergency Fund
Before investing heavily in SIPs, ensure you have an emergency fund. This fund should cover 6-12 months of your expenses. It provides financial security and prevents you from withdrawing your investments prematurely.

Staying Informed
Keep yourself informed about financial markets and investment strategies. Knowledge empowers you to make better investment decisions. Attend financial workshops, read books, and consult with your CFP regularly.

Avoiding Common Mistakes
Avoid timing the market. It’s challenging to predict market movements, and trying to do so can result in losses. Stick to your investment plan and maintain a long-term perspective.

Benefits of Professional Guidance
Working with a CFP ensures that you receive professional advice tailored to your goals. They help you navigate the complexities of investing and keep your portfolio on track.

Conclusion
Ajay, achieving Rs 10 crores by 40 through SIP is ambitious but possible with discipline and proper planning. Start early, invest consistently, and seek professional guidance. Regular monitoring and rebalancing, understanding market risks, and maintaining financial discipline will help you reach your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - May 14, 2025Hindi
Money
I have 90L. In another 2yr I wl retire, I want 50k regulor income. Plz guide me
Ans: You are nearing a big life step—retirement. You have Rs. 90 lakhs now. You want Rs. 50,000 every month after 2 years. You want this income to last long. You also want to protect your capital. Let us build a 360-degree plan to meet your needs with care and clarity.

                     

Understanding Your Retirement Income Need

You want Rs. 6 lakhs every year.

                     

Your money must last at least 25–30 years.

                     

You want to beat inflation.

                     

Your capital should stay safe.

                     

You want less tax impact.

                     

You want income to come monthly.

                     

Key Challenges in Your Case

Retiring in 2 years gives you very short time to grow money.

                     

Rs. 90 lakhs corpus is fair but needs strong planning.

                     

Inflation will eat into your money if not managed.

                     

Tax laws must be followed in a smart way.

                     

Phased Investment Structure (2-Bucket Strategy)

Divide money into two parts. One for first 5–7 years.

                     

Second part for long-term growth after 7 years.

                     

First bucket must have safe and stable income options.

                     

Second bucket must include growth-oriented mutual funds.

                     

Use only regular mutual funds through MFD and CFP.

                     

Investment Approach for First 5–7 Years

Park 30–35 lakhs in debt mutual funds with low risk.

                     

Select funds that generate consistent monthly income.

                     

Withdraw Rs. 50,000 monthly from this debt portfolio.

                     

Ensure tax-efficient withdrawal using SWP route.

                     

Do not use bank deposits for regular income due to taxation.

                     

Investment Approach for Long-Term Growth

Invest remaining 55–60 lakhs in diversified regular mutual funds.

                     

Choose large and flexi-cap categories with active fund managers.

                     

Avoid index funds due to average returns and no downside control.

                     

Avoid direct mutual funds. They lack advisory and review support.

                     

Use MFD with CFP for selecting and tracking regular plans.

                     

Let this bucket grow for 5–7 years without withdrawal.

                     

After 7 years, start monthly withdrawals from this portfolio.

                     

Tax Planning on Withdrawals

For debt mutual funds, income is taxed per your slab.

                     

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

                     

STCG on equity mutual funds is taxed at 20%.

                     

Plan SWP and redemptions carefully with your CFP.

                     

Aim for low tax outgo each year using smart withdrawals.

                     

Insurance and Emergency Care

Keep Rs. 3–4 lakhs in a savings account for emergencies.

                     

Continue or increase your health insurance cover.

                     

Avoid annuities. They are rigid, less flexible and less tax efficient.

                     

Avoid These Common Retirement Mistakes

Do not invest all in bank FDs.

                     

Do not mix insurance and investment.

                     

Do not withdraw randomly from your corpus.

                     

Do not go for direct plans thinking you save cost.

                     

Use certified planners for strategy and review.

                     

What You Must Do Now

Sit with a CFP and design a 30-year withdrawal strategy.

                     

Track inflation yearly and adjust withdrawals.

                     

Monitor your mutual funds every 6–12 months.

                     

Add spouse’s name in investments to avoid legal issues later.

                     

Think about making a Will to protect your family.

                     

Retirement is not the end. It’s the next long journey. Plan it fully.

                     

Finally

You have done well to save Rs. 90 lakhs. You also think ahead. That’s a good habit. With right planning, you can enjoy your retirement peacefully. Income will come monthly. Capital will stay strong. Just avoid emotional decisions and shortcuts. Choose guided, professional planning with review. Take slow and steady steps. You will feel confident and secure. And your goal of Rs. 50,000 income each month will be possible.

                     

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Asked by Anonymous - Aug 15, 2025Hindi
Career
Sir I have been offered ECE with specialization in Avionics at RGNAU should I accept it as it is a desirable branch but I am confused whether to accept it as it is a relatively new institution and it has introduced the course this year itself. I have plans for Mtech too, should I accept it or consider a drop year ?
Ans: Rajiv Gandhi National Aviation University (RGNAU) is a specialized central university established in 2013, offering India’s only BTech ECE with Avionics specialization, designed in collaboration with top aviation organizations and companies like HAL, ISRO, BEL, Boeing, and Airbus. The newly introduced Avionics branch delivers an industry-embedded curriculum and hands-on learning through partnerships and regular internships at aviation hubs. While campus infrastructure includes modern hostels, advanced labs, and simulation facilities, extracurricular activities and fests are limited but growing. Placement support for aviation roles is strong, with the university reporting above 85% placement rates, but most opportunities are sector-specific, with roles in airports, airlines, ATC, and related entities; overall corporate placement diversity remains limited due to the niche field. Faculty comprise seasoned aviation professionals blending academic and industry insights, and research culture is developing, supporting further studies including MTech at leading institutions. The program’s newness means limited alumni and track records, which may affect immediate visibility.

Recommendation: Choose RGNAU ECE Avionics if committed to a unique career in avionics and aviation technology; consider a drop year only if aiming for older, established institutions offering broader engineering specializations and campus activities. All the BEST for a Prosperous Future!

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We are from UP. Daughter got CSE in IET LUCKNOW and IIIT UNA CSE (Cyber security), where should join keeping UPSC as primary target and software engineer coding as backup plan...?
Ans: IET Lucknow is a well-established, affordable government college in Uttar Pradesh, offering a strong BTech CSE program with extensive campus resources, active student societies, and senior alumni connections across public and private sectors. The campus environment is conducive to competitive exam preparation, thanks to reasonable academic workloads and access to libraries, peer groups, and study support; placement rates average 60–95% across years, with major IT firms recruiting regularly. IIIT Una, a centrally funded institute located in Himachal Pradesh, delivers a modern, industry-oriented CSE (Cyber Security) curriculum emphasizing hands-on learning, student projects, and coding culture; placement rates in CSE are consistently above 85% over three years with strong corporate engagement, but the institute is comparatively new and has a smaller alumni network. While IIIT Una maintains a vibrant tech-focused environment, its location may pose challenges for UPSC preparation, given the distance from major coaching hubs and limited exposure to civil services networks.

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Career Counsellor - Answered on Aug 15, 2025

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My son has got IIIT kurnool cs branch, in csab round 1, what's your take on the college? We are from Delhi, there's is a possibility that he might be allocated NIT Delhi Electrical branch. What should be preferred ? We are from Gen category and the son's CRL rank was 42276. Please advice.
Ans: Vivek Sir, IIIT Kurnool, established in 2015 under the Ministry of Education, is focused on computer science and engineering with an emerging national footprint. Its placement rates have ranged from approximately 59–80% in recent years, with top recruiters like Amazon, Cisco, and Capgemini visiting campus. The CSE program is industry-oriented, faculty credentials are improving, infrastructure is modern, and students report a good academic culture and active participation in internships and hackathons, though research exposure and alumni networks remain limited due to the institute’s recent establishment. NIT Delhi Electrical Engineering, also a newer NIT, achieves consistently high placement rates (89–92%), strong corporate alliances, modern labs, and a challenging academic environment; the faculty is supportive, and software or non-core technical placements are accessible even for electrical students. For CSAB 2025, NIT Delhi Electrical closed between CRL 37307–42758 for Home State, indicating a possibility for your son’s admission with CRL 42276 (if Home State applies).

Both colleges offer solid placements and learning atmospheres, but NIT Delhi—being closer to your city and offering wider traditional engineering exposure plus access to Delhi’s technology ecosystem—has a slight edge for general career options and progression.

Recommendation: Prefer NIT Delhi Electrical Engineering for its higher placement rates, location advantage, robust faculty, and broad career opportunities, followed by IIIT Kurnool CSE, which excels largely in tech-focused sectors. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Aug 15, 2025

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I have got CSE in NIT Allahabad should I use my float opion for CSE in NIT Calicut? Which is better for CSE - NIT Allahabad or NIT Calicut or NIT Suratkhal
Ans: Motilal Nehru National Institute of Technology Allahabad (NIT Allahabad), National Institute of Technology Calicut (NIT Calicut), and National Institute of Technology Karnataka Surathkal (NIT Surathkal) all rank among India's top-tier technical institutes, each delivering exceptional outcomes in computer science and engineering. NIT Calicut tops recent placement records with CSE securing 96.77% placements, closely followed by NIT Allahabad at around 90–95% and NIT Surathkal consistently above 83%. NIT Calicut’s CSE curriculum and faculty have enabled renowned global company recruitments, almost perfect placement rates, and high-end industry internships, while NIT Surathkal offers historic legacy, prominent alumni, and robust research engagement, with CSE placements in major product and service firms. NIT Allahabad produces well-rounded graduates, maintaining high placement rates, notable median packages, active academic-industry collaborations, and dynamic campus life. All three institutes provide leading infrastructure, experienced faculty, research centers, student clubs, and strong campus life, with independent strengths in innovation and industry connect.

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Career Counsellor - Answered on Aug 15, 2025

Asked by Anonymous - Aug 12, 2025Hindi
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Hello sir I get Electronics and computer engineering in YMCA faridabad and ECE In GL BAJAJ NOIDA Which is good in terms of Academic and placement .
Ans: JC Bose University of Science and Technology, YMCA Faridabad, consistently records NIRF rankings in the top 150 and is renowned for strong academic programs and faculty expertise, particularly in Electronics and Computer Engineering. Placement rates for its technical branches, including ECE and ENC, consistently range from 89–96%, with leading recruiters like Adobe, Cisco, Samsung, and Goldman Sachs offering diverse roles in IT, analytics, and electronics sectors. Internship opportunities and campus facilities are comprehensive, supporting holistic development and industry readiness. GL Bajaj Institute of Technology & Management, Noida, is a highly rated private college with up-to-date infrastructure and strong industrial linkages for ECE, claiming high placement rates (up to 97%) and significant participation from top companies such as Intuit, Adobe, Capgemini, and Bosch, but student reviews highlight variable academic rigor and relatively newer faculty compared to YMCA. Placement trends for ECE at GL Bajaj are impressive, aligning with tech industry demands, yet its national academic reputation and depth of research activity are less established than those of YMCA Faridabad.

Recommendation: Opt for Electronics and Computer Engineering at YMCA Faridabad for superior academic strength, legacy faculty, robust placements, better national rankings, and wider career opportunities in both electronics and computing. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Aug 15, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir , my son got admission in Thapar institute of technology Patiala in Robotics and AI and got selected in a new age school Newtown school of technology in CS and AI . Pls suggest which he should go for
Ans: Thapar Institute of Engineering & Technology Patiala, established in 1956 and ranked within India’s top 20 engineering institutes, offers robust training in Robotics and AI, leveraging strong faculty expertise, advanced research labs, solid industry connections, and 83–96% placement rates over the past three years. Its sprawling 250-acre campus, vibrant student life, experienced faculty, and frequent corporate tie-ups foster student innovation and professional growth in deep tech and automation domains. Newton School of Technology, Sonepat—a new-age school focused on CS and AI—boasts cutting-edge curriculum, modern infrastructure, 98% claimed placement rates, and over 2,500 students placed with global MNCs, but is relatively new, with early-stage industry reputation, faculty and alumni footprint still growing. The institution emphasizes strong industry immersion and a project-driven pedagogy, which suits fast-paced tech careers, yet lacks the legacy and multi-dimensional campus environment Thapar provides. While both schools are forward-looking, Thapar’s proven career outcomes, quality assurance, and robust mentorship advantage established graduates across all domains of advanced engineering.

Recommendation: Choose Thapar Institute Patiala Robotics and AI for its established academic calibre, diverse opportunities, high placement rates, and secure long-term career progression in engineering and technology. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

Nayagam P

Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

Career
My daughter got B. Com(Hons) in LSR DU and BS in data Science and AI IIM Sambalpur What to choose? Need suggestion
Ans: Seema Madam,
Lady Shri Ram College (LSR), Delhi University, offers a nationally top-ranked B.Com(Hons) with a legacy of academic excellence, selective admissions, and robust faculty expertise. The program achieves high placement rates: median offers above 70%, top recruiters including Big 4 consultancies, investment banks, and MNCs, with graduates excelling in commerce, finance, and management and often pursuing top postgraduate programs. LSR provides a vibrant campus life, multiple student organizations, extensive alumni networks, and strong peer-driven learning. IIM Sambalpur’s BS in Data Science and AI is a pioneering, fully residential four-year program aligned with modern interdisciplinary standards, blending analytics, artificial intelligence, and business, led by experienced faculty and a project-driven curriculum, with capstone internships and industry mentorship. Though placements for the first cohort are evolving, the institute leverages the IIM brand and industry alliances for advanced roles in tech, business analytics, and research; career outcomes are projected to be strong, but concrete placement data is nascent due to the newness of the program.

Recommendation: Choose LSR B.Com(Hons) for established reputation, secure placement percentages in commerce, and wider postgraduate options; prefer IIM Sambalpur only if highly committed to emerging tech careers and interdisciplinary study in data science and AI, given the program’s innovative but evolving nature. All the BEST for a Prosperous Future!

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

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