I am 34, a beginner in MF and have recently started to invest in MF by SIP mode of Rs 5000. I am investing in these funds:

Axis blue chip - 2000

Icici prudential blue chip - 500

Mirae asset emerging bluechip - 1000

HDFC gold fund - 1500

Please suggest the funds for child education, retirement and breakup for the same.

Ans: Hi Radhika madam
Kindly provide the rank details to predict.

Ans: HI
Very difficult to get. But have to check for less competitive course at home state or try at private institutions.

Ans: Mudit, With a 93.225 percentile in JEE Mains and a 9,200 rank in COMEDK, as a general male candidate from Uttar Pradesh, you are unlikely to secure CSE or top branches at NITs, IIITs, or GFTIs through JEE Mains, as cutoffs for these are typically higher; however, you can target state-level engineering colleges in UP and reputable private colleges that accept JEE Main scores, where core branches like Mechanical, Civil, or Electrical may be available. In COMEDK, your rank positions you for admission to mid-tier Karnataka colleges for branches other than CSE, as top colleges like RVCE, BMSCE, and MSRIT close CSE admissions well below 5,000, but you may get core or IT-related branches in colleges like Nitte Meenakshi, CMRIT, or DSCE. The recommendation is to participate in both JEE Main and COMEDK counseling, prioritize state-level and private colleges for better branches, and keep realistic expectations regarding CSE, focusing on core or allied branches for the best college options. All the BEST for the Admission & a Prosperous Future!

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Ans: Radha, With 30 marks in the IISER IAT 2025 under the ST category, your chances of securing admission to any IISER are extremely low, as the expected cutoff for ST candidates across all IISERs ranges from 55 to 85 marks, with the lowest cutoffs at IISER Tirupati and Berhampur still around 55–65 marks. Recent years’ data and expert analyses confirm that even the least competitive IISERs have not admitted ST candidates with scores as low as 30, and the rising competition in 2025 is likely to push cutoffs higher. The recommendation is to explore alternative institutes or consider preparing for a higher score next year, as admission to IISER with 30 marks in the ST category is not feasible. All the BEST for the Admission & a Prosperous Future!

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Ans: HI
Bit difficult to get in top-tier colleges.
You can try forEEE or Mechanical in different colleges.

Ans: Yash, A BS in Physics from IIT Kharagpur offers strong academic and research exposure, with a curriculum covering advanced topics like quantum mechanics, astrophysics, and thermodynamics, complemented by hands-on laboratory and research projects, and mentorship from experienced faculty. Graduates are well-prepared for diverse career paths including research, data analysis, engineering, education, and roles in technology companies, government agencies, and academia, with the program also serving as an excellent foundation for higher studies in India or abroad. Recent placement data shows around 44% of physics graduates placed, with many others pursuing postgraduate or doctoral studies, and top recruiters include ISRO, DRDO, and private tech firms. The recommendation is to leverage the program’s academic rigor, research opportunities, and IIT brand to build a versatile career in science, technology, or interdisciplinary fields. All the BEST for the Admission & a Prosperous Future!

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Ans: With a COMEDK rank of 7,235, securing Computer Science and Engineering (CSE) at RV College of Engineering (RVCE) is virtually impossible, as the expected closing rank for CSE at RVCE is between 200 and 750 for the General category, and last year’s cutoff was 406, with even ECE closing at 1,333 and other top branches like Data Science and AI/ML closing well below 1,200. CSE in RVCE remains the most competitive, with consistently high placement rates above 90% in the last three years, but the cutoff for CSE has never gone beyond 1,200 in recent cycles. The recommendation is to consider alternative colleges or branches where your rank falls within the cutoff range, as CSE at RVCE is not achievable at 7,235. All the BEST for the Admission & a Prosperous Future!

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Ans: Electronics and Instrumentation Engineering at MIT Manipal is preferable over Mechanical Engineering at VIT Vellore under fee category 3, as MIT Manipal offers a more modern, multidisciplinary curriculum with strong industry relevance in automation, control, and electronics, supported by state-of-the-art labs and a placement rate above 90% for related branches, with top recruiters from both core and IT sectors participating regularly. Mechanical Engineering at VIT Vellore, while offered at a reputable institution, currently has a lower placement rate of around 50%, with many students opting for non-core roles and fewer opportunities in core mechanical sectors. Both colleges provide excellent infrastructure and campus life, but MIT Manipal’s Electronics and Instrumentation program stands out for its higher placement percentage, broader career scope in emerging technologies, and robust academic ecosystem. The recommendation is to choose Electronics and Instrumentation Engineering at MIT Manipal for better placement prospects and future adaptability. All the BEST for the Admission & a Prosperous Future!

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Ans: HI Ravi,
Bit difficult.