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Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 13, 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
Ayushman Question by Ayushman on Jun 12, 2024Hindi
Money

Sir I am 36 now and working in PSB . My monthly Gross is around Rs 1.40 lakhs . Perk value is around Rs 4.00 lakhs annualy. Apart from monthly deduction like home loan ,nps,pf,a substantial part,approx about Rs 35k is being deducted as income tax . My 80c is already full. Car loan of 15 lakhs ,housing loan outstanding of Rs 36 lakhs repayble till 70 years is present. My first questions is how to reduce the income tax amount. My 80C investments is more than Rs 2.5 lakhs while loss from housing return is also being claimed by me Second is I have a flat that i have acquired through loan at Raipur. I have also got a G plus 1 storey building built by my father avquired 6amily settlements. The constructiion about 30 years old but property is at prime location at raipu.My wife want to settle at bhubaneswar where average price for 3 bhk is around rs 1.5 cr but will fetch good rental values. However I would like to demolish the house at Raipur and build a one with modern outlook which will cost around Rs 80 lakhs since land is in my possession. Which will be better option

Ans: Investing wisely is crucial to ensuring a secure financial future. I understand you have several financial commitments and are looking for ways to optimize your investments and reduce your income tax. Let's address your concerns comprehensively.

Reducing Income Tax
Firstly, you mentioned that you are already maximizing your 80C investments and claiming housing loan interest. Here are some additional strategies to reduce your taxable income:

Utilize Section 80D: Under Section 80D, you can claim deductions for medical insurance premiums for yourself, your family, and your parents. The deduction is Rs 25,000 for yourself and your family and an additional Rs 25,000 (Rs 50,000 if parents are senior citizens) for your parents' insurance.

Claim House Rent Allowance (HRA): If you are paying rent and do not live in your own house, you can claim HRA exemptions under Section 10(13A). The exemption amount depends on your salary, rent paid, and city of residence.

Invest in National Pension System (NPS): Contributions to NPS under Section 80CCD(1B) provide an additional deduction of Rs 50,000 over and above the 80C limit of Rs 1.5 lakhs. This can help you save tax and build a retirement corpus.

Interest on Education Loan (Section 80E): If you have taken an education loan for yourself, your spouse, children, or a student for whom you are a legal guardian, you can claim a deduction on the interest paid on such loans.

Donations (Section 80G): Donations to specified charitable institutions qualify for deductions under Section 80G. Ensure the charity is eligible for deductions.

Section 24(b) - Interest on Housing Loan: Beyond your primary residence, if you have a loan on a second house, you can claim deductions for the interest paid without a cap under certain conditions.

Investment Options
Now, let’s discuss where to invest your money for good returns without a lock-in period:

Systematic Investment Plans (SIPs) in Mutual Funds: SIPs are ideal for disciplined investing. They allow you to invest a fixed amount monthly in mutual funds. Opt for equity mutual funds for potentially higher returns over five years. Diversify your portfolio by including large-cap, mid-cap, and balanced funds.

Debt Mutual Funds: For conservative investments, consider debt mutual funds. These invest in fixed-income securities and offer relatively stable returns. They are less volatile than equity funds and provide liquidity.

Liquid Funds: These are a type of debt mutual fund that invests in short-term instruments. Liquid funds provide high liquidity and better returns compared to savings accounts. They are suitable for short-term investments and emergencies.

Ultra-Short Duration Funds: Similar to liquid funds, but with slightly longer investment horizons. They offer better returns and maintain liquidity.

Your Real Estate Decision
You have two main options regarding your properties in Raipur and Bhubaneswar:

Option 1: Demolish and Rebuild in Raipur: Building a new house on your existing land can modernize the property and potentially increase its value. However, consider the cost (Rs 80 lakhs) and whether it will yield a good return on investment, especially if you plan to sell or rent it out.

Option 2: Settle in Bhubaneswar: Bhubaneswar offers a good rental yield and is your wife's preferred location. Purchasing a 3 BHK for Rs 1.5 crores can be a good investment, especially if the property appreciates and offers a steady rental income.

Analysis and Recommendation: Assess the potential returns, convenience, and personal preferences. Bhubaneswar seems more lucrative if it offers good rental income and aligns with your lifestyle. However, rebuilding in Raipur could be worthwhile if the property's location is prime and the new construction significantly increases its value.

Managing Loans
You currently have a car loan of Rs 15 lakhs and a housing loan of Rs 36 lakhs. Here are some strategies to manage and reduce your loan burden:

Prepay High-Interest Loans: Focus on repaying high-interest loans like the car loan first. Use any surplus funds to reduce this debt faster.

Balance Transfer for Home Loan: Consider transferring your home loan to another bank offering lower interest rates. This can reduce your EMI burden and total interest outgo.

Part-Payment of Home Loan: Use bonuses or other windfalls to make part-payments on your home loan. Reducing the principal amount can significantly lower your interest burden over time.

Creating an Emergency Fund
Ensure you have an emergency fund that covers at least 6 months of your expenses. This fund should be easily accessible and kept in a high-liquidity account like a savings account or liquid fund. It provides financial security in case of unforeseen circumstances like medical emergencies or job loss.

Financial Planning for the Future
Retirement Planning: With your home loan payable till the age of 70, it's essential to have a solid retirement plan. Continue contributing to NPS for a pension corpus. Also, consider other retirement-focused mutual funds or pension plans that offer steady returns.

Children’s Education: If you have children, start planning for their education expenses early. Invest in child education plans or equity mutual funds with a horizon aligned with your child’s age.

Regular Monitoring and Rebalancing: Regularly review your investment portfolio to ensure it aligns with your goals and risk tolerance. Rebalance your portfolio as needed to maintain the desired asset allocation.

Enhancing Financial Literacy
Improving your financial knowledge can empower you to make better decisions. Consider reading books on personal finance, attending workshops, or following credible financial blogs and news sources. Understanding basic financial concepts will help you navigate investments and tax planning more effectively.

Final Insights
Balancing your income, expenses, and investments is key to achieving financial stability. By strategically investing Rs 36,000 monthly, utilizing tax-saving options, managing your loans efficiently, and planning for the future, you can secure a robust financial foundation. Regularly monitor and adjust your plans to stay on track with your 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

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Money
I am 46 years old..in a government job with salary in hand of 85k.I invest 9k in PFi 12.5 k each in PPFand sukanya samriddhi.My daughter is 13 at present.I pay 22k for HBLI invest 8k in SIP.will get around 10 k as rent of my flat. .I have a family floater where I pay 26k annually and an RD of 4K per month.My PPF Sukanya and PF as of now are all around 11lakhs.I will retire in 2039.I have a SBI life which is market linked priced at around 13.5 lakhs at present.It will mature in 2027.The outstanding loan amount of HBLis 7lakhs.where and how much should I invest to repay my loan as well as make investment for the future.
Ans: You have been thoughtful with your investments and savings. At this stage, clarity and right structuring are more important than increasing the number of investments.

Let us now look at your situation from a full 360-degree view and build a practical plan.

? Age, Income and Goals

– You are 46 now with 13 years left to retirement.
– Your in-hand salary is Rs 85,000 per month.
– You also receive Rs 10,000 monthly rent from your flat.
– So, your total regular cash inflow is Rs 95,000.
– Your daughter is 13 years old. Education and marriage are big upcoming expenses.
– Retirement planning is also a priority from now.

Time is limited, so every rupee must work smartly.

? Ongoing Financial Commitments

– You invest Rs 9,000 in PF (mandatory deduction).
– You invest Rs 12,500 in PPF and same in Sukanya Samriddhi.
– Your monthly EMI for home loan is Rs 22,000.
– You invest Rs 8,000 in SIPs.
– You pay Rs 26,000 per year as premium for family floater.
– You have an RD of Rs 4,000 monthly.

This shows a very good savings culture. But allocations need refinement.

? Existing Assets Summary

– PPF, PF, Sukanya total is around Rs 11 lakh.
– SBI Life (market-linked) value is Rs 13.5 lakh, maturing in 2027.
– You also own a house and earn Rs 10,000 rent from it.
– These are strong financial pillars to build upon.

You are not starting from scratch, which is a great position to be in.

? Loan Situation

– Outstanding loan is Rs 7 lakh on your home.
– EMI is Rs 22,000 per month.
– You have 13 years to close the loan before retirement.
– Ideally, loans should be cleared before retirement.

Let us see how to manage this smoothly.

? Cash Flow Evaluation

– Monthly inflow: Rs 85,000 salary + Rs 10,000 rent = Rs 95,000.
– Expenses + SIP + EMI + savings = around Rs 75,000–80,000 monthly.
– You may be left with Rs 15,000–20,000 buffer.

This buffer must be managed with purpose and not by chance.

? SBI Life Policy Assessment

– This is a market-linked insurance policy.
– Value now is Rs 13.5 lakh. Maturity is in 2027.
– These insurance cum investment plans often give lower returns.
– Better to surrender it after 2027 maturity.
– Reinvest the entire maturity amount into mutual funds.
– Do not renew or reinvest in another ULIP.

ULIPs are expensive and do not provide long-term value. Shift to mutual funds.

? Home Loan Repayment Planning

– Do not pre-close home loan in a hurry now.
– Keep regular EMI going from your salary.
– Instead, focus your extra savings to grow wealth.
– In 2027, when SBI Life matures, use Rs 2 lakh from it.
– Use that to make a part-payment of the home loan.
– This will reduce EMI burden in later years.

Target complete closure of loan by 2034 latest. Do not keep till retirement.

? Emergency Fund Requirement

– You must keep at least Rs 2 lakh in liquid form.
– This is not for investment. It is for protection.
– Use part of your RD and savings account for this.
– Stop RD if needed, and create emergency fund instead.

Without this, any sudden expense will force you into loans again.

? Child Education and Marriage Planning

– Your daughter is 13 now. Graduation in 5 years.
– Post-graduation and marriage will follow after that.
– Your Sukanya account and PPF help with this.
– But that alone is not enough. Add a goal-based SIP.
– Use regular plans of actively managed mutual funds.
– Avoid direct funds. Avoid index funds.

Regular plan SIPs with Certified Financial Planner help in review and changes.

? Why Avoid Index Funds and Direct Funds

– Index funds cannot manage downside risk.
– They fall when market falls. No protection strategy.
– They follow the index blindly without human guidance.
– Direct mutual funds look cheaper but offer no support.
– You won’t get regular review, asset allocation help or correction.
– Without expert guidance, direct funds underperform in long term.

A Certified Financial Planner with MFD support brings strategy and safety together.

? SIP Strategy Going Forward

– You already invest Rs 8,000 in SIPs.
– Continue this. Do not stop unless emergency arises.
– After 2027, increase this to Rs 12,000 or more.
– Use part of SBI Life maturity to start extra SIP.
– Use mutual funds that match your time horizon and goals.
– One SIP for daughter, one for retirement.

All new investments should be with specific targets in mind.

? Retirement Planning from Age 46

– You have 13 years left till retirement.
– PF and PPF will help, but are not enough.
– Inflation will reduce value of PPF corpus.
– Mutual funds offer better post-tax returns.
– Regular investing over next 13 years is critical.
– Increase SIP as your salary grows.

You must target financial independence before retirement. Not just pension dependency.

? Health Insurance and Risk Cover Review

– You have a family floater. That’s good.
– Check sum insured is at least Rs 10 lakh.
– Top it up if needed. Health costs rise each year.
– Also ensure you have term life insurance.
– Amount should be minimum 10 times your salary.
– Do not mix investment with insurance.

Protection planning is as important as wealth planning.

? Real Estate Holding – Just Maintain It

– You get Rs 10,000 rent monthly from your flat.
– That is good passive income. Do not sell this property.
– But avoid buying any more real estate.
– Maintenance, taxes and liquidity make real estate less attractive.
– Better to invest in mutual funds for flexibility and return.

More assets do not mean more wealth if they are not liquid.

? Income Use Plan from Now to Retirement

– 2024–2027: Focus on loan EMI, SIP and emergency fund.
– 2027: Use part of SBI Life maturity for loan part-payment.
– Rest of the money to be invested in SIP.
– 2027–2034: Increase SIP for retirement and daughter’s future.
– 2034: Plan to fully close home loan.
– 2035–2039: Save maximum possible in SIPs.

Clear path like this gives financial control and peace.

? Asset Diversification

– Avoid locking more in PPF or RD now.
– Keep PPF running, but don't increase contribution.
– Stop RD and move that money to SIP after emergency fund is ready.
– Avoid gold, crypto, or other complex assets.
– Just focus on simple, quality mutual fund SIPs in regular plan.

Simple, consistent approach wins over long term.

? Finally

– You are in a strong position due to early planning.
– But some parts need correction and better allocation.
– Use next 3 years to organise your finances more efficiently.
– Don't rush to pre-close loan unless there’s surplus.
– Reinvest the SBI Life maturity wisely.
– Avoid index funds, direct funds and real estate.
– Stick to regular plan mutual funds with guidance.
– Focus on specific goals – child education, marriage and your retirement.

Clear direction now will ensure peace later. You are very much on track.

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

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Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Money
Hi Sir I have Purchased a Home which is Around 25L with all my Savings,M.funds. My Inhand Salary is 60,000/-, And Debt details are as follows Personal Loan- 2Lac Gold Loan - 2.25Lac From Relatives - 4.5Lac.(1yrear time taken) Now I am finding very difficulty to Save the money and tracking every Single Penny.. Kindly suggest me in this Case what to do.
Ans: Let’s carefully understand your financial position and work step-by-step to improve it. The current situation seems tight, but with the right planning, things can be managed well.

? Current Financial Snapshot

– Home purchased for Rs 25 lakh with your entire savings and mutual funds.
– No home loan, which is a good point. Property is fully owned.
– In-hand monthly salary is Rs 60,000.
– Existing debts include:

Rs 2 lakh personal loan

Rs 2.25 lakh gold loan

Rs 4.5 lakh borrowed from relatives
– You mentioned that you are struggling to save or track money.

This is a very common challenge in the early years of home ownership. Let’s take one step at a time.

? Cash Flow Stress Analysis

– Your monthly income is not matching with outflow due to EMI and regular expenses.
– Personal loan and gold loan EMIs may be high due to short repayment terms.
– You also have a moral obligation to return the amount to your relatives in 1 year.
– Your current cash outflows may be above 70% of your income.

This gap creates financial stress. We need to balance it.

? Immediate Focus: Create a Monthly Budget

– Write down every expense, even the smallest one.
– Break expenses into 3 parts: Must-Have, Flexible, and Avoidable.
– Must-Have: Rent (if any), groceries, child school fees, transport.
– Flexible: DTH, OTT, eating outside, non-essential shopping.
– Avoidable: Unused subscriptions, unplanned EMI purchases, gadgets.
– First target is to reduce the flexible and avoidable categories.

You must review this every 15 days. It will give clear spending awareness.

? Debt Prioritisation Strategy

– Start with the costliest loan: usually personal loans and gold loans.
– Try to close the personal loan first. Interest is normally very high.
– Next focus on gold loan, since delay may lead to loss of gold asset.
– Relative loan is at zero or low interest, repay slowly.
– Talk to relatives honestly and request 6 more months for comfort.

It’s okay to request this. Most families do understand.

? Use a Debt Avalanche Method (Without Calculation)

– Pay minimum EMI on all loans.
– Use any surplus to close highest-interest loan first.
– Then move to next high-interest loan.
– Do not try to repay all equally. That will not reduce total interest much.

Focused repayment brings mental peace.

? Emergency Fund Creation

– Right now, you don’t have any savings left.
– Without an emergency fund, any small expense will push you to borrow again.
– Start building a fund of at least Rs 30,000 to Rs 50,000 in a savings account.
– Set small goals like saving Rs 2,000 a month.
– Emergency fund is not for investments. It is for protection.

This step avoids future personal loan traps.

? Investments Can Wait – But Not Planning

– Do not start any SIP or investment now. Focus only on debt clearing and emergency fund.
– But track your expenses and income as if you are planning for a SIP.
– This mental discipline will help when you are actually ready to invest.
– Planning must begin today, investing can wait 6–9 months.

Clarity in numbers always comes before wealth creation.

? Role of Mutual Funds Later

– Once debts are cleared and emergency fund is ready, only then start investing.
– Go for actively managed mutual funds through Certified Financial Planner and MFD.
– Regular plans allow you to get guided review and handholding.
– Avoid direct plans unless you are trained in market analysis.
– Regular plans offer rebalancing, portfolio review and behavioural support.

Guided approach helps in emotional control during market changes.

? Why Not Index Funds

– Index funds may seem cheaper, but carry hidden risks.
– They cannot protect you during market crash.
– They blindly follow the index without risk filters.
– No scope for active management or downside protection.
– Actively managed funds give better returns in uncertain markets.

Safety with growth is key for salaried individuals like you.

? Income Expansion Attempts

– If possible, take small freelance work in weekends or evenings.
– Tutoring, online assistance, delivery work, or any skill-based work helps.
– Even Rs 3,000 extra income can fast-track loan closure.
– Don’t ignore small side income. Every rupee counts in debt management.

This step adds strength to your plan.

? Lifestyle Adjustments – Temporarily

– Pause all unnecessary spending like dining out, movies, and clothing for now.
– Stick to basic lifestyle until all high-interest debts are cleared.
– Use old phone, avoid gadgets, reuse clothes and accessories.
– Don’t feel bad. This phase is temporary and purposeful.

Short-term sacrifice brings long-term peace.

? Avoid These Mistakes

– Do not take another loan to repay existing loans.
– Don’t swipe credit cards for regular expenses.
– Avoid BNPL or EMI traps on online shopping.
– Don’t invest in gold or crypto now.
– Avoid insurance policies that combine investment and life cover.

Focus only on liquidity and debt reduction now.

? Family Support and Communication

– Speak with your spouse or parents honestly about current situation.
– Assign small responsibility to each family member.
– Even saving Rs 200 in electricity or food matters.
– Emotional support from family boosts financial discipline.

Unity brings faster solutions.

? Future Planning – Once Stable

– After debt closure, build 3 months' salary as emergency corpus.
– Then, set financial goals like retirement, children education, and vacations.
– Start SIP in 2-3 mutual funds under regular plan with guidance.
– Choose goals-based investing, not trend-based investing.
– Review goals every 6 months with a Certified Financial Planner.

Future planning needs structure, not trial and error.

? Insurance Check

– Ensure you have term life cover equal to at least 10x of your annual income.
– If you have ULIPs or traditional endowment plans, review them with a CFP.
– Surrender if needed and shift to mutual funds for long-term wealth.
– For health, minimum Rs 5 lakh cover is needed for family.

Insurance is protection, not investment.

? Mental Framing for Money Success

– Stop comparing lifestyle with others.
– Avoid social media-based spending urges.
– Be content and frugal for next 1–2 years.
– Celebrate small financial wins – like repaying one EMI early.
– Keep reminding yourself – this is a phase, not forever.

Discipline is more powerful than any investment plan.

? Finally

– You have already done one good thing – bought a house without a home loan.
– This is your foundation. Now your job is to build peace and liquidity.
– Cut expenses, increase income, repay loans smartly.
– Say no to lifestyle pressure and wrong investment traps.
– Once you are stable, mutual fund investment under regular plan will guide your growth.

Keep moving step by step. You are already on the path.

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

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Sir CSE in BITS if to choose between goa and hyderabad then whivh one should we opt for and why ? We have git hyderbad and will get Goa if done freeze the option in preference
Ans: Sharma, Both BITS Goa and BITS Hyderabad offer excellent Computer Science and Engineering programs with identical curriculum, faculty standards, and degree credentials under BITS Pilani. BITS Goa (established 2004) provides a picturesque 188-acre campus with pleasant weather, strong cultural festivities including the renowned Waves festival, and slightly higher placement consistency with First Degree placements at 91.15% in 2023. The campus features modern computing labs, proximity to beaches, and a vibrant social atmosphere. BITS Hyderabad (established 2008) offers a sprawling 200-acre campus with state-of-the-art infrastructure, modern laboratories, and excellent connectivity to Hyderabad's IT ecosystem. The campus recorded First Degree placements at 87.23% in 2023 with strong industry partnerships. Both campuses maintain similar median packages around ?17-18 LPA and attract identical top recruiters including Google, Microsoft, Amazon, and other leading firms. The Practice School program and academic rigor remain consistent across both locations, ensuring comparable educational quality and career outcomes.

Recommendation: Choose BITS Goa if you prioritize pleasant weather, cultural vibrancy, scenic beauty, and slightly better placement consistency; opt for BITS Hyderabad if you prefer state-of-the-art modern infrastructure, proximity to India's IT hub, and enhanced industry exposure opportunities within a rapidly growing tech ecosystem. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Ict ioc is best or nit manipur/mizoram civil is best . I confused what should I do .
Ans: The ICT–IOCL Odisha Campus offers a unique five-year integrated M.Tech in Chemical Engineering with minors in six disciplines, blending nine trimesters of on-campus coursework with six trimesters of paid industrial internships, led by PhD-qualified faculty in state-of-the-art labs and backed by NAAC A++ accreditation and merit-cum-means scholarships. In contrast, National Institute of Technology Manipur’s four-year B.Tech in Civil Engineering admits 38 students per year, is NIRF-ranked 101–150, features foundational structural, geotechnical, and environmental labs under government funding, and achieved a median UG package of ?8.75 LPA with 147 of 161 graduates placed in 2024. NIT Mizoram’s B.Tech Civil cohort (34 seats) recorded a 100% placement rate in 2024 with a median package of ?6 LPA and recruiters such as Adobe and Tech Mahindra, all within its Institute of National Importance framework and burgeoning permanent campus near Aizawl Airport.

Recommendation: If your goal is industry-immersive chemical engineering training with guaranteed stipends and entrepreneurial focus, choose ICT–IOC Bhubaneswar; for a core civil engineering pathway with strong government support, higher civil-branch placements and national-level credentials, opt for NIT Mizoram, with NIT Manipur as a solid fallback. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
My son has secured a seat in the AI & Data Science course at IIIT Kota through JoSAA counselling. Kindly guide us regarding the scope and future opportunities in AI & DS under current circumstances. Also, should we still consider participating in CSAB rounds, or is it advisable to retain this seat?
Ans: The B.Tech in Artificial Intelligence & Data Engineering at IIIT Kota was established in the 2024–25 academic session with an annual intake of 60 students, offering a curriculum that blends foundational AI, data science, and hands-on project work under PhD-qualified faculty. As a newly launched branch, the first cohort has not yet graduated, so there are no branch-specific placement records for 2024 or 2025. However, IIIT Kota’s established CSE and ECE branches have reported strong placement statistics in 2024, with an overall placement rate of 74% and average packages above ?12 LPA, indicating a positive recruitment environment for computing disciplines. The AI & DS program is designed to meet current industry demand for data scientists, AI engineers, and analytics professionals, leveraging the institute’s growing partnerships with leading tech firms and its status as an Institute of National Importance. Participation in CSAB rounds may be considered if you are targeting higher-ranked NITs, IIITs, or core CSE branches, but for most candidates, the current AI & DS seat at IIIT Kota offers a robust platform for future opportunities in AI, machine learning, and data analytics.

Recommendation: Retain the AI & Data Science seat at IIIT Kota for its modern curriculum, strong institutional reputation, and emerging placement ecosystem; participate in CSAB only if you have a realistic chance at a core CSE seat in a higher-ranked NIT or IIIT, otherwise focus on maximizing opportunities in the current program through internships and research projects. All the BEST for Admission & a Prosperous Future!

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