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Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 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
Asked by Anonymous - Mar 24, 2024Hindi
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I am 37 years old and i have started sip in 2 funds for retirement corpus. They are ICICI prudential value discovery fund and HDFC flexi cap fund. Am I on the right track? Are these funds good for creating a substantial corpus?

Ans: At 37, you're demonstrating admirable foresight by initiating SIPs for your retirement corpus. Both ICICI Prudential Value Discovery Fund and HDFC Flexi Cap Fund are reputable choices known for their potential to generate substantial returns over the long term. However, the suitability of these funds depends on various factors, including your risk tolerance, investment horizon, and financial goals.

Have you considered the diversification benefits of investing in different asset classes through these funds? It's wise to ensure that your investment portfolio is well-balanced to mitigate risks and optimize returns.

While these funds have a strong track record, it's essential to regularly review their performance and reassess their alignment with your objectives. Consulting a Certified Financial Planner can provide valuable insights and help fine-tune your investment strategy for optimal results.

Remember, the journey towards building a retirement corpus requires patience, discipline, and periodic adjustments. Stay committed to your goals, keep a watchful eye on market dynamics, and trust in the power of compounding to realize your financial aspirations.
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  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?
Ans: It's evident you've put thought into your investment choices, and that's a commendable step towards securing your financial future. However, let's reflect on whether your portfolio aligns well with your long-term goals.

Consider the diversification of your portfolio across various mutual fund categories and market segments. Are you adequately spread across different sectors and asset classes to mitigate risks?

Additionally, assess the performance of each fund over time and their consistency in delivering returns. Are there any funds that haven't been meeting expectations, or could benefit from a review?

As a Certified Financial Planner, I encourage you to periodically review your portfolio and make adjustments as needed to ensure it remains aligned with your objectives and market conditions. Consulting with a financial advisor can provide valuable insights and help optimize your investment strategy for long-term growth. Remember, investing is a journey, and staying vigilant and adaptable will serve you well on your path to building a healthy corpus.

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Nayagam P

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Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
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My son has got B.Tech core CSE in both VIT vellore (category 5) and PES university, Electronic City campus. We are based in Bangalore. Please suggest which is a better option?
Ans: VIT Vellore offers a well-established Computer Science and Engineering program with a broad campus, strong infrastructure, and consistent placement rates around 60-65%. The average package is approximately ?9.9 LPA, with top recruiters like Microsoft, Amazon, and Apple, reflecting its robust industry connections and global brand recognition. PES University, located in Bangalore’s Electronic City, benefits from proximity to major IT hubs and offers a competitive Computer Science program with a median placement package around ?8 to ?9 LPA and placement rates near 70-80%. PES has a modern campus, reputed faculty, and strong industry collaborations, especially valuable for local internships and networking opportunities.

Recommendation: Prioritize PES University for its Bangalore location, closer industry links, and higher placement rate, which favor practical exposure and career networking. Choose VIT Vellore for its brand prestige, larger campus, and internationally recognized curriculum. Your decision should balance local engagement advantages at PES with the extensive reputation and infrastructure strengths of VIT. This alignment will optimize your son's academic and career trajectory based on his personal preferences and future goals. My suggestion: Based on location & fees, prefer PES-EC-CSE. However, he should consistently maintain a strong CGPA and continuously enhance his skills through his fourth year to remain competitive with CSE peers both at the Electronic City campus and the RR (Banashankari) campus of PES for Campus Placement. All the BEST for a Prosperous Future!

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Nayagam P

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Sir I'm confused between Pillai New Panvel and Sies for electronics and computer science course that which is better actually I am interested in cs it but I don't have great percentage i have scored 87 in diploma so for dse which college should I prefer according to placement?
Ans: Sanjana, Pillai College of Engineering (PCE) New Panvel offers a robust Electronics & Computer Science program with specialized tracks in AI, ML, IoT, Robotics, and Cloud Computing. It has commendable infrastructure, a research focus, and around 70–80% placement rates, with median packages near ?4.4 LPA and top recruiters including Reliance and Capgemini. The curriculum integrates both electronics and computing fundamentals, preparing students for diverse tech roles. SIES Graduate School of Technology, Mumbai provides a similarly comprehensive Electronics and Computer Science course with strong infrastructure but a smaller intake. It reports a higher placement rate around 90%, average packages near ?8 LPA, and recruiters like TCS, Infosys, and Reliance. While SIES offers a slightly better placement performance and higher average packages, PCE balances good placement statistics with a broader specialization and research opportunities. Both colleges maintain qualified faculty and industry ties, but SIES's higher placement record may better suit students aiming for IT-centric careers.

Recommendation: Prefer SIES Graduate School of Technology for Electronics and Computer Science for stronger placement outcomes and average packages aligned with IT career goals. Consider Pillai College of Engineering for its diverse technical specializations and solid placements if broader tech exposure and research are priorities. Align the choice with your career focus between IT-intensive roles (SIES) and combined electronics-computer science expertise (PCE). All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi
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Should I consider AMITY University noida for btech CSE ? How are placements there ?
Ans: Amity University Noida offers a well-structured B.Tech in Computer Science and Engineering (CSE) program accredited with an 'A+' grade by NAAC and recognized by UGC, AICTE, and international bodies. The campus boasts world-class infrastructure including high-tech labs, air-conditioned classrooms, extensive libraries, on-campus hostels, sports complexes, and medical facilities. Faculty members are qualified with many holding advanced degrees and some international exposure. Placements for CSE students show decent success with approximately 70-75% of students placed recently, attracting top recruiters like Microsoft, IBM, Accenture, and Amazon. The highest packages can reach up to 36 LPA, with average package ranges around 6-7 LPA. The university has strong industry tie-ups and hosts numerous internship opportunities, supported by corporate resource centers and innovation incubators fostering entrepreneurship. Its global collaborations enhance student exposure, providing a good blend of academics, practical learning, and career support for a comprehensive engineering education.

Recommendation: Amity University Noida is a credible choice for B.Tech CSE with strong infrastructure, qualified faculty, and active placement support. It suits students aiming for solid industry exposure and campus recruitment in reputed IT companies while benefiting from an expansive campus and diverse academic resources aligned with current industry demands. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Aug 11, 2025

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Kiit cse or muj cse
Ans: KIIT School of Computer Engineering in Bhubaneswar is a highly reputed private institute with robust placements, offering around 90% placement rate and an average package near INR 8.5 LPA in 2023. It attracts over 3800 job offers annually from top recruiters like Microsoft, TCS, and Reliance, supported by strong academic infrastructure, experienced faculty, and active research and innovation culture. Manipal University Jaipur’s CSE program also delivers strong placement outcomes with about 93% placement rate and an average package of INR 9 LPA in 2023, hosting recruiters like Amazon, Deloitte, and KPMG. It benefits from a modern campus, specialized electives in emerging tech areas, and good industry collaborations. KIIT has a higher NIRF ranking and larger placement scale, but MUJ boasts a slightly higher average package and lower fee structure with the advantage of Jaipur location.

Recommendation: Prefer KIIT CSE if campus prestige, higher placement volume, and broader alumni network are priorities, alongside quality academic resources and top-tier recruitment. Choose MUJ CSE for a strong placement environment with slightly better average packages, affordable fees, and a preferred location in Jaipur. Align the choice with your location preference, fee affordability, and career aspirations for an optimal balance of reputation and return on investment. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10168 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

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Which is better....Maths & Computing at NIT Surat or Maths & Computing at IIITM Gwalior?
Ans: Mathematics and Computing at NIT Surat (SVNIT) is offered as a 4-year undergraduate program with a total tuition fee of around ?5 lakh and an average placement package of ?10.54 lakh. SVNIT Surat is a well-established public government institute with over 100 qualified faculty members, many holding PhDs, and offers strong industry connections and a rigorous curriculum blending mathematics and computing fundamentals. IIITM Gwalior offers a similar 4-year B.Tech in Mathematics and Scientific Computing with a slightly higher fee of ?6.32 lakh and a cohort of 30–60 students. It is a deemed university with a NAAC A grade and ranked 101-150 by NIRF for engineering. Its faculty is highly qualified with PhDs from reputed institutes, focusing on practical knowledge and research. Placement packages at IIITM Gwalior can be high, with reports of up to ?65 lakh for top placements, and the institute encourages a research-oriented environment.

Recommendation: Choose NIT Surat for its strong government backing, comprehensive curriculum, and established alumni network, offering consistent academic and placement support in Mathematics and Computing. Opt for IIITM Gwalior if you prefer a research-intensive environment with potential for very high top-end placements, valuing a smaller, focused university setting. The decision should align with preference for established public institute stability versus emerging research-led autonomy. All the BEST for a Prosperous Future!

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 11, 2025

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Sir, my son had got provisional admission in RAIT Ramrao Adik Institute of Technology ( DY Patil Deemed to be University Navi Mumbai) for B.Tech in Computer Science and Business systems. Through MHT- CET, he also got alloted Electronics and Computer Science Engineering at Pillai College of Engineering,New Panvel Navi Mumbai. He is interested in Computer Science and Software. But the fees of Pillai's college is lesser than RAIT. He also plans to foray into Entrepreneurship in future if possible. We are not able to understand what to do. Can you please guide?
Ans: Rosesh Sir, Ramrao Adik Institute of Technology (RAIT), under DY Patil Deemed University Navi Mumbai, offers a specialized B.Tech in Computer Science and Business Systems (CSBS) with strong industry-aligned curriculum, reputed faculty, and active student support including entrepreneurship initiatives. RAIT's placement rate is robust, approximately 80%, with median packages around INR 7.5 LPA and top recruiters like TCS, Accenture, Infosys, and Morgan Stanley. The institute encourages innovation and entrepreneurship, supported by its Entrepreneurship Cell, events, and access to startup funding opportunities. On the other hand, Pillai College of Engineering (PCE) in New Panvel provides a B.Tech in Electronics and Computer Science Engineering with a focus on core electronics and computing fundamentals. PCE has about 80% placement consistency with average packages near INR 4.4 LPA and strong IT sector recruiter presence. PCE also fosters entrepreneurship through its Center of Innovation and Entrepreneurship, hosting business plan competitions and startup mentorship. While PCE offers a lower fee structure, RAIT’s specialized CSBS program combined with better placement metrics and stronger entrepreneurship ecosystem gives it an edge for students inclined toward business, technology, and startups.

Recommendation: Opt for RAIT’s Computer Science and Business Systems for superior placement prospects, integrated business-technology curriculum, and active entrepreneurship support, which align well with your son’s interest in computer science and future entrepreneurship aspirations. Choose Pillai College if budget constraints are higher priority, with a strong core engineering foundation and entrepreneurship opportunities still available. The decision should balance financial considerations with academic and career ambitions. 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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