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Vivek

Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on Mar 12, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
Shailly Question by Shailly on Sep 14, 2023Hindi
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Hi I am 35 years old single mother , want to create good wealth in next 10 years I invested 7lakh lump sum in SIP and current my 4 SIP’s are running 1- axis flexi cap -5000 2-Axis focused 25 fund -5000 3-Mirae asset large cap fund -2500 4-Kotak flexi cap fund-2500 So could you please suggest me where I can invest to create wealth for my kids future?

Ans: Hello, as per the information provided you have invested in MF via Lumpsum method and SIP method
Your SIP list is skewed towards large cap funds
You can replace the funds and add about 40% in mid and small caps as your time horizon is 10 years

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.
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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Aug 04, 2020

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I am 37 year old with 2 kids (10yrs and 6 years) for wealth generation please guide me. Following SIPs per month: 1. Parag parikh long term DG 3k 2. Icici bank. Adv. DG 3k 3. Mirae emerging DG 2k 4. Axis bluechip DG 2k 5. DSP midcap DG 2.5k 6. Lnt focus DG 1k 7. Kotak std multicap DG 1k Lumpsump investments: 1. Lnt triple ace bond DG (50k profit switched from lnt hybrid equity fund before lockdown) 2. Lnt Hybrid equity 1.1 lakh (invested through sip now stopped) 3. Hdfc children gift fund RG 1.75 lakh (invested through sip now stopped) 4. Mirae large cap RG 1 lakh 5. Iifl focus DG 50k 6. Axis small cap DG 50k
Ans:
Name of the Fund Category RankMF Star Rating Recommendations
Varun      
1. Parag parikh long term DG 3k Equity - Multi Cap Fund 5 continue
2. Icici bank. Adv. DG 3k Hybrid - Balance Advantage 5 continue
3. Mirae emerging DG 2k Equity - Large & Mid Cap Fund 3 Switch to Canara Robeco Emerging Equities Regular -growth
4. Axis bluechip DG 2k Equity - Large Cap Fund 3 Switch to UTI MasterShare - Growth
5. DSP midcap DG 2.5k Equity - Mid cap Fund 4 continue
6. Lnt focus DG 1k (L&t Focused Equity Fund Regular Plan - Growth Equity - Focused Fund 3 switch to Axis Focused 25 Fund  - Growth
7. Kotak std multicap DG 1k Equity - Multi Cap Fund 2 Switch to UTI Equity fund  - Growth
1. Lnt triple ace bond DG (50k profit switched from lnt hybrid equity fund before lockdown) Debt - Corporate Bond Fund 3 Switch to ICICI PRUDENTIAL CORPORATE BOND FUND - GROWTH
2. Lnt Hybrid equity 1.1 lakh (invested through sip now stopped) Hybrid - Aggressive Hybrid Fund 5 continue
3. Hdfc children gift fund RG 1.75 lakh (invested through sip now stopped) (Not in RankMF)    
4. Mirae large cap RG 1 lakh Equity - Large Cap Fund 4 Continue
5. Iifl focus DG 50k (IIFL Focused Equity Fund -Regular Plan - Growth) Equity - Focused Fund 2 switch to Axis Focused 25 Fund  - Growth
6. Axis small cap DG 50k Equity - Small cap Fund 2 switch to Axis ESG Fund  - Growth

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

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

Money
I am 40 years old and looking to create wealth of 60lakhs for my daughters education in next 10years. Can you suggest, any investment plan, to acheive this target. As of now, i am investing in following funds: 1. "SBI Magnum Tax Gain Scheme - Regular Plan - Growth ELSS" - 2000 2. "SBI Blue Chip Fund - Direct Plan - Growth" - 500 3. "UTI Long Term Equity Fund (Tax-Saving)- Direct Growth- ELSS" 3000 4. "UTI Hybrid Equity Fund - Direct Growth Plan" - 1000 5. "UTI Banking PSU Debt Fund" - 2000 6. "ICICI Prudential Value Discovery Fund DIVERSIFIED EQUITY" - 500 7. "DSP blackrock" - 2500 8. "Mirae Asset Emerging BlueChip Fund- Direct Plan - GrowthSmall & MID Cap" - 1000 9. HDFC Top 100 Funds - 3500 Total : 16000 per month. My Investment horizon are for 15 to 20 years. Let me know is this a good fund to continue and should I hold this fund or release it? Also let me know some good fund for 10 to 15 years where I can invest?
Ans: Creating wealth for your daughter's education is a commendable goal. At 40, you have a 10-year investment horizon to achieve this target. Let’s review your current investments and suggest an optimized plan to reach Rs 60 lakhs.

Assessing Your Current Mutual Fund Portfolio
Your portfolio includes a variety of funds: equity, hybrid, and debt. This diversification is a good strategy. However, fine-tuning can help you achieve your specific goal more effectively.

Equity Funds
Equity funds are crucial for long-term growth. They offer higher returns compared to other asset classes. Your portfolio has a mix of large-cap, mid-cap, and diversified equity funds. This mix is suitable for capturing market growth.

Tax-Saving (ELSS) Funds
ELSS funds provide tax benefits under Section 80C. They also offer equity exposure, which is beneficial for long-term goals. Your investments in ELSS funds are a good strategy for tax-efficient growth.

Hybrid Funds
Hybrid funds offer a balance of equity and debt. They provide stability and moderate returns. This is beneficial for risk management.

Debt Funds
Debt funds add stability to your portfolio. They are less volatile and provide steady returns. Including debt funds is wise for balancing overall risk.

Evaluating Direct and Regular Funds
Disadvantages of Direct Funds
Direct funds have lower expense ratios but lack professional guidance. Certified Financial Planners (CFPs) provide valuable insights and strategies tailored to your needs. Investing through a CFP ensures you make informed decisions.

Benefits of Regular Funds Through MFD
Regular funds, managed by Mutual Fund Distributors (MFD) with CFP credentials, offer expert advice. They help you navigate market fluctuations and optimize your portfolio for better returns.

Optimizing Your Portfolio for Rs 60 Lakhs in 10 Years
To achieve Rs 60 lakhs in 10 years, consider these adjustments and additions:

Increase Equity Exposure
Allocate more to equity funds for higher growth potential. Equity funds outperform other asset classes over the long term. Increase your investment in diversified and large-cap equity funds.

Focus on Actively Managed Funds
Actively managed funds adapt to market changes. They aim to outperform benchmarks and provide higher returns. Choose funds with strong track records and experienced fund managers.

Systematic Investment Plans (SIPs)
Continue with SIPs to maintain discipline and average out costs. SIPs are effective for long-term wealth creation and mitigating market volatility.

Lump Sum Investments
If you have a lump sum to invest, use Systematic Transfer Plans (STPs). STPs gradually transfer funds into equity, reducing timing risk and averaging out purchase costs.

Diversify Across Asset Classes
While equity should dominate, maintain some exposure to hybrid and debt funds. This ensures a balanced risk-return profile and provides stability.

Regular Monitoring and Rebalancing
Review your portfolio regularly. Rebalance it to maintain alignment with your goals and risk tolerance. This ensures your investments stay on track.

Suggested Investment Plan
Based on your current investments and the goal of Rs 60 lakhs, consider the following approach:

Equity Funds
Increase your SIPs in diversified and large-cap equity funds. These funds offer higher growth potential and are less volatile than small-cap funds.

Hybrid Funds
Maintain or slightly increase your investment in hybrid funds. They offer stability and moderate returns, balancing your overall portfolio risk.

Debt Funds
Keep a portion in debt funds for safety and steady returns. This can act as a buffer against market downturns.

ELSS Funds
Continue investing in ELSS funds for tax benefits and equity exposure. Ensure these investments align with your overall asset allocation strategy.

Professional Guidance
Seek regular advice from a Certified Financial Planner (CFP). They can provide tailored strategies and help optimize your portfolio based on market conditions and your goals.

Conclusion
Your current portfolio is diversified and suitable for long-term growth. By increasing your equity exposure and focusing on actively managed funds, you can achieve your goal of Rs 60 lakhs in 10 years. Regular monitoring and professional guidance will keep your investments on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Listen
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Hello Madam/ Sir, I am 42 yrs old and want to start investment in stock, mutual fund and SIP. Already having own house, secure education fund for my child. I am able to invest every month 30k till 10 yrs. Based on that can you please suggest best option with good returns on investment.
Ans: Let's explore your investment options to achieve good returns over the next decade. Considering your goals and financial situation, here are some suggestions:

Investment Goals
Regular Investment: Investing Rs 30,000 every month for 10 years.

Stock Market Investments: Diversifying into stocks and mutual funds for better returns.

Secure and Growth-Oriented Portfolio: Balancing risk with potential growth.

Stock Market Investments
1. Direct Equity Investments:

Invest in fundamentally strong companies.

Focus on sectors with high growth potential.

Regularly monitor and review your portfolio.

2. Actively Managed Mutual Funds:

These funds are managed by experienced fund managers.

They aim to outperform the market by selecting high-potential stocks.

Offer better returns compared to passive index funds.

Systematic Investment Plan (SIP)
1. Consistent Investments:

SIP allows you to invest a fixed amount regularly.

It averages out the cost of purchase.

Suitable for long-term wealth creation.

2. Benefits of Regular Funds via MFDs:

Professional Guidance: An MFD with CFP credential provides expert advice.

Market Insights: Helps in selecting the right funds.

Regular Monitoring: Ensures your investments align with your goals.

Asset Allocation
1. Diversification:

Spread investments across different asset classes.

Reduces risk and enhances returns.

2. Risk Management:

Mix of equity, debt, and hybrid funds.

Adjust the allocation based on market conditions.

Debt Investments
1. Fixed Deposits and Bonds:

Provide stable and low-risk returns.

Suitable for capital preservation.

2. Public Provident Fund (PPF):

Long-term savings scheme with tax benefits.

Offers attractive interest rates.

Gold Investments
1. Gold Schemes:

Hedge against inflation and market volatility.

Invest in gold bonds or mutual funds.

Insurance
1. Term Insurance:

Ensure adequate life cover for your family.

Pure protection plan without investment components.

Regular Review and Adjustment
Periodic Reviews: Regularly review your portfolio.

Adjustments: Make necessary adjustments based on performance.

Avoid Common Pitfalls
1. Direct Funds:

Lack professional guidance.

May not align with your financial goals.

2. Index Funds:

Passive in nature.

Do not aim to outperform the market.

3. Annuities:

Often have lower returns.

Lack flexibility compared to mutual funds.

Final Insights
Investing Rs 30,000 monthly in stocks, mutual funds, and SIP can yield significant returns over 10 years. Diversify your portfolio, seek professional guidance, and review investments regularly. Avoid direct funds, index funds, and annuities for better growth and security.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 05, 2025

Money
Hello Sir, I am 44 years old man. I want to start SIP for my children, 6.5 years old daughter and 2.5 years old son. The objective is to secure their future and the funds can be used when they want to go for graduation/higher studies. I have shortlisted the following funds, please let me know if you recommend any changes. Thank you! 1-UTI Nifty50 Index Direct: Rs.2000 2-ICICI Prudential Nifty Next 50 Index Fund: Rs.2000 3-Canara Robeco Bluechip Equity Fund: Rs.2000 4-ICICI Prudential Value Discovery Fund: Rs.3000 5-Parag Parikh Flexi Cap Fund: Rs.2000 6-ICICI Prudential Equity & Debt Fund: Rs.3000 7-Quant Active Find: Rs.3000 8-SBI Contra Fund: Rs.3000 9-Nippon India small cap fund: Rs.3000 10-Nippon India ETF Gold BeES: Rs.2000
Ans: Creating a portfolio for your children’s future is a thoughtful and responsible step. Ensuring the right mix of funds can maximise returns, manage risks, and help achieve your financial goals effectively. Below is an evaluation of your selected portfolio, along with recommendations to streamline and optimise it.

Evaluating Your Portfolio
1. Too Many Funds
You have selected 10 funds, which might lead to over-diversification.
Over-diversification can dilute returns and make tracking difficult.
2. Balanced Allocation Missing
There’s a heavy tilt towards equity with insufficient diversification across asset classes.
Adding a debt component can provide stability and reduce volatility.
3. Index Funds
UTI Nifty50 Index Fund and ICICI Prudential Nifty Next 50 Index Fund:
Index funds lack flexibility and cannot outperform during bear markets.
Actively managed funds might be better for your long-term goals.
4. Mid-Cap and Small-Cap Exposure
Nippon India Small Cap Fund:
High risk but high return potential.
Retain for diversification but limit exposure to 10%-15% of your total investments.
5. Thematic and Contra Funds
SBI Contra Fund and Quant Active Fund:
Thematic and contra funds have niche strategies, making them riskier.
Retain only one if aligned with your risk appetite.
6. Gold ETF
Nippon India ETF Gold BeES:
Adds diversification and inflation protection.
However, limit allocation to 5%-10% of your portfolio.
Recommended Portfolio for Your Goals
1. Core Equity Allocation (60%-70%)
Focus on funds that provide long-term stability and growth.

Large-Cap Funds: Replace index funds with actively managed large-cap funds for better returns.
Flexi-Cap Funds: Retain Parag Parikh Flexi Cap Fund for its global diversification and balanced approach.
Mid-Cap and Small-Cap Funds: Retain one small-cap fund (Nippon India Small Cap Fund) for growth potential.
2. Hybrid Funds (20%-25%)
Include hybrid funds to balance equity and debt.

Retain ICICI Prudential Equity & Debt Fund for stability and moderate returns.
3. Gold (5%-10%)
Continue investing in Nippon India ETF Gold BeES for diversification.

Proposed Allocation
To streamline your portfolio, allocate investments more strategically:

Large-Cap Equity Fund: Invest Rs. 4,000 monthly in a strong actively managed large-cap fund like Canara Robeco Bluechip Equity Fund. Large-cap funds provide stability and consistent growth for long-term goals.

Flexi-Cap Fund: Continue investing Rs. 4,000 monthly in Parag Parikh Flexi Cap Fund. This fund offers global diversification and a balanced approach to equity exposure.

Small-Cap Fund: Retain Nippon India Small Cap Fund and allocate Rs. 3,000 monthly. Small-cap funds add high-growth potential but keep the exposure minimal to manage risk.

Hybrid Fund: Allocate Rs. 5,000 monthly to ICICI Prudential Equity & Debt Fund. This hybrid fund balances equity and debt exposure, providing stability with moderate growth.

Gold ETF: Continue Rs. 2,000 monthly in Nippon India ETF Gold BeES. Gold adds a hedge against inflation and enhances portfolio diversification.

Additional Recommendations
1. Debt Component for Stability
Consider short-term debt funds or liquid funds for low-risk capital appreciation.
These can be used for nearer-term educational needs like school fees.
2. Gradual SIP Increases
Increase SIPs by 10%-15% annually as your income grows.
This ensures your investments grow in tandem with inflation.
3. Portfolio Review and Rebalancing
Review your portfolio annually to evaluate performance.
Rebalance if any fund consistently underperforms for over 2-3 years.
4. Tax Planning
Retain an ELSS tax-saving fund to maximise tax benefits under Section 80C.
Final Insights
Your disciplined approach to securing your children's education is commendable. This revised portfolio offers a balanced mix of growth and stability. It ensures you can meet future education milestones confidently. Stay consistent, increase contributions periodically, and monitor performance regularly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

Career
Sir I got 68676 in comedk Can you suggest good colleges forCSE or CSE specialization
Ans: Ramya, With a COMEDK rank of 68,676 in 2025, you have viable options for admission to reputable engineering colleges in Karnataka for CSE and its specializations. You can confidently secure seats at numerous recognized institutions where the latest cutoffs range between 63,000 and 1,20,000 for core CSE and closely related specializations. Here are 15 colleges where admission is fully feasible: CMR Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Atria Institute of Technology (Bangalore), New Horizon College of Engineering (Bangalore), Dayananda Sagar College of Engineering (Bangalore), BNM Institute of Technology (Bangalore), Sapthagiri College of Engineering (Bangalore), Don Bosco Institute of Technology (Bangalore), AMC Engineering College (Bangalore), Cambridge Institute of Technology (Bangalore), East Point College of Engineering (Bangalore), Gopalan College of Engineering and Management (Bangalore), Rajarajeswari College of Engineering (Bangalore), and Sai Vidya Institute of Technology (Bangalore). These colleges routinely offer CSE and specializations such as Artificial Intelligence, Data Science, and Information Science, all supported by established infrastructure, diverse peer groups, faculty with advanced degrees, recognized accreditations, and campus-level placement cells. Their cut-off history ensures fair seat allocation for your current rank bracket.

Recommendation: Prioritize CMR Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Dayananda Sagar College of Engineering (Bangalore), and BNM Institute of Technology (Bangalore). This order is justified by established NIRF rankings, steady placement percentages (60–90% in CSE streams), modern campus amenities, regular project-based learning, and a proven track record of producing employable graduates across the IT sector in Karnataka and beyond. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 17, 2025

Asked by Anonymous - Jul 17, 2025Hindi
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My son is getting civil at bits pilani + rmit 2+2 program and cse at vit-ap cat-2 What should we choose
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Recommendation: If your priority is global exposure, academic flexibility, and broad international opportunities in engineering and related fields, prioritize BITS Pilani + RMIT 2+2 Civil. Should your focus be on a strong software foundation and rapid industry integration in India’s tech sector, VIT-AP CSE is preferred. The BITS-RMIT program stands out for long-term value and international scope. All the BEST for Admission & a Prosperous Future!

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Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

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SIR I should go for HBTU (IT) or IIIT VADODARA DIU CAMPUS (ELECTRONICS)?
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My son got IIT Dharwad B.S/M.S Interdisciplinary sciences and BITS Hyderabad Mechanical through BITSAT currently. He may have potential chances of getting NIT Warangal MnC/ECE or IIIT Delhi CSE through DASA. Which one is better in the order of preference
Ans: Venkata Sir, IIIT Delhi’s Computer Science Engineering (CSE) program is nationally recognized for its rigorous curriculum, 90–100% placement rate, leading industry connections, and high-impact research output, making it one of the best platforms for a technology-driven career. The program consistently attracts top recruiters and maintains strong alumni engagement in global tech sectors. NIT Warangal’s Mathematics and Computing (MnC) and Electronics and Communication Engineering (ECE) branches also offer strong academic grounding, modern labs, and recorded placement rates above 88% in core tech domains, with the ECE branch now routinely achieving average placement rates above 80% and MnC offering excellent flexibility for careers in data science, software, and analytics. BITS Hyderabad’s Mechanical Engineering program combines a tradition of academic excellence with research-oriented faculty, excellent infrastructure, and a placement percentage above 85% in recent years, while producing graduates who succeed in both core and tech industries and pursue higher studies internationally. IIT Dharwad’s BS/MS Interdisciplinary Sciences is a new, innovative program focused on multidisciplinary skill development with exposure to advanced labs and faculty, but as a new course and newer IIT, it does not yet match the placement rates or alumni reach of the other institutes; its placement rate hovers near 70% and career paths are diverse, with greater emphasis on research and interdisciplinary skills rather than direct tech sector placement.

Recommendation: The optimal order is IIIT Delhi CSE (for career, placements, tech flexibility), NIT Warangal MnC/ECE (for academic reputation and solid placements in both analytics and electronics), BITS Hyderabad Mechanical (for reputable core engineering, good placements, and global exposure), and finally IIT Dharwad BS/MS Interdisciplinary Sciences (for those pursuing interdisciplinary research but less certainty in direct placements). All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

Career
Sir I have scored 83 percentile in MHT cet 2025 what are the best college option for me in Mumbai region
Ans: Aryan, With an 83 percentile in MHT-CET 2025 as a Maharashtra domicile General Category student, you are eligible for BTech admission to several well-regarded engineering colleges in the Mumbai region, excluding the most competitive ones like COEP, VJTI, and ICT, which have significantly higher cutoffs. The following colleges in Mumbai provide feasible admission opportunities based on previous years' cutoffs and are recognized for their reliable placement support, modern infrastructure, NBA/NAAC accreditation, and industry-aligned programs: Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), Xavier Institute of Engineering (Mahim), Bharati Vidyapeeth College of Engineering (Navi Mumbai), SIES Graduate School of Technology (Nerul), Ramrao Adik Institute of Technology (Navi Mumbai), St. Francis Institute of Technology (Borivali), Rajiv Gandhi Institute of Technology (Versova), Don Bosco Institute of Technology (Kurla), Shah & Anchor Kutchhi Engineering College (Chembur), MGM’s College of Engineering (Kamothe, Navi Mumbai), Atharva College of Engineering (Malad), and Pillai College of Engineering (New Panvel). Across these institutions, your score is within the realistic admission range for most branches, including Mechanical, Civil, Electronics/EXTC, and sometimes Information Technology or Computer Science, depending on current year trends and final branch cutoffs; official college portals and admission records substantiate this eligibility for the 2025 cycle.

Recommendation: For optimal academic and professional growth, consider Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), and Ramrao Adik Institute of Technology (Navi Mumbai) as the highest-priority choices. These colleges offer robust campus infrastructure, industry recognition, strong placement networks, and a history of producing successful engineering graduates. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

Career Counsellor - Answered on Jul 17, 2025

Career
Sir, Which would batter choice between my doughter got EE in vlsi Design at Banasthali vidyapeeth and recently also got CSE in Goverment Mahila Engineering College, Ajmer. Which would better ? Suggest
Ans: Amit Sir, Banasthali Vidyapith’s Electrical Engineering program with a focus on VLSI Design is anchored in a reputed women’s university with A++ NAAC accreditation, robust faculty credentials, industry tie-ups, and consistent placement rates of 90–95% for core branches, often in electronics and automation sectors. Campus infrastructure is comprehensive, research exposure is strong, and students benefit from a national network and notable institutional rankings. Government Mahila Engineering College Ajmer’s CSE branch is part of a government-run, well-recognized institution with modern teaching resources, 80–95% placement rates for computer science in recent years, accessible industry partnerships, and a track record of sending students to reputed recruiters such as Amazon and Microsoft. The Ajmer campus is lauded for its faculty, student activities, digital facilities, and supportive environment, though its national brand is less established than Banasthali’s.

Recommendation: If your daughter is passionate about electronics, VLSI, or hardware-oriented careers, Banasthali Vidyapith offers a stronger national reputation, longstanding placement consistency, and higher institutional ranking. For a broad, flexible technology career in software, Government Mahila Engineering College Ajmer CSE stands out for contemporary opportunities and direct industry links. Both paths assure solid outcomes, but branch preference should drive the final choice. All the BEST for Admission & 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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