Sir, I am 37 years old. I plan to take a term life insurance policy of 2 cr by paying monthly premiums till the age of 60. I am only looking at policies which return my premium in case I am alive at 60 years of age. Could you please suggest the best policies in this category in terms of least monthly premiums, percentage of claims settled and survival benefit.

Ans: Dr, Here is, How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Daughter's Admission Chances Using JoSAA Data
Step 1: Collect Your Daughter's Key Details
Before starting, note down the following details:

Her JEE Main percentile
Her category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Her Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your daughter's admissions!

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Ans: RVCE | BMS | MSRIT | PES | Dayanand Sagar. All the best for your admissions!

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Ans: Hi,

The question is unclear. When forwarding any queries, it's important to express them clearly. We not only provide answers to your questions but may also offer counseling if needed. To ensure you receive the response you expect from the RediffGuru and to facilitate guidance from the gurus, we require clarity in your question. Please repost your question with specific details about NEET—did you appear or not? If you did, what is your score? Explain why you could not succeed: was it due to difficulties in subjects or other reasons?

In order to provide suggestions for your query, please share the details.

Ans: IIIT Bhagalpur (ECE & Mechatronics) – Decent academics, improving placements, but not at the level of top IIITs
IIIT Manipur (ECE) – Infrastructure is growing, but placements are weaker than top IIITs
IIIT Una (ECE) – Better option in terms of faculty and placement compared to Bhagalpur and Manipur
IIIT Bhopal (ECE) – Better than Bhagalpur & Manipur for future growth
IIIT Kalyani (ECE) – Good academic structure, better location

Jadavpur University (if WBJEE option is available)
BIT Mesra

Ans: AS per Sukanya samriddhi scheme rules only resident indians can invest in you case as and when you become NRI you are not eligible for future investments.
another thing your existing balance in SSY account will generate interest till maturity as same was opened and invested in the status when you were resident indian however post NRI status your interest income from SSY account will be taxable as per rules.

Ans: Hello Dear.
There are some differences between the CBSE and ICSE boards. The syllabus of ICSE is a little tougher than that of CBSE. But as your son is not in 9th standard, I would like to recommend to continue him in Cambridge till his 10th completes. If you shift him to the CBSE board for 10th class, then he might face some problems related to teaching method, examination pattern, etc. But if you have some problems related to your job or are thinking of shifting from your existing place to a new place, then shift your son to CBSE 10th class or if your son is unable to keep up with the syllabus of ICSE, then also shift him to the CBSE board. Now, talking about the future, there will be no effect either a student passes from CBSE or ICSE. Becuase after 10th, students from any board appear to the same type of State-Level and National Level entrance examinations like NEET, JEE, NATA, BITSAT etc. Thanks
Follow me if you like the reply.
Radheshyam

Ans: Hello Dear
Yes, you are eligible for JEE Advanced. Make sure to check the official cutoff when it's released and register within the given dates. Good luck! Thanks
Follow me if you like the reply.
Radheshyam

Ans: Hello Deepa.
One should clear the JEE (Adv) with the required cut-off for admission to IIT. You typically need a rank under 50 in the ST category for IIT Bombay CSE. Since cutoffs change yearly, it's best to aim for the highest possible score. Thanks
Follow me if you like the reply.
Radheshyam

Ans: Dear Sir/ Madam,

In that case- Build your network
Leverage your existing skills
Start with small projects
Do online courses in the areas you want to build your entrepreneurship
Find a mentor

Thanks
Ashwini
www.ashwinidasgupta.com