I am 38 and I have invested in some MFs through SIPs and below are my active and stopped funds.

1. Principal Personal Tax Saver Fund -- Regular Plan, Growth: Rs 5,000 SIP (Active)

2. ABSL Tax Relief '96 Fund-ELSS -- IDCW-DIR Payout: Rs 1,000 SIP (Active)

3. Nippon India Tax Saver (ELSS) Fund -- IDCW-DIR Payout: Rs 1,000 SIP for 8 years (Stopped)

4. Tata India Tax Savings Fund Direct Plan -- IDCW: Rs 2,000 SIP (Active)

5. DSP Tax Saver Fund: Rs 1,000 SIP for 3 years (Stopped).

6. Franklin India Flexi Cap Fund -- Direct (Erstwhile Franklin India Equity Fund): Rs 1,000 SIP for 3 years (Stopped).

My plan is to invest an overall Rs 10,000 monthly SIP.

Kindly suggest if the current folio is correct or I need to stop some current (1, 2 & 4) and start stopped SIP (3,5 & 6).

Ans: Hello Mangia,
With the mentioned score and category, you have a good chance of gaining admission to reputable colleges. However, I am unable to provide the list of colleges either from Pune or the rest of Maharashtra.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello dear.
Better to apply to AKTU. Try with some private colleges. Compromise with the branch also if possible.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Ram
Chances are moderate to slim. Explore other options.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Dear Anonymous,
I am really sorry you are going through this. What happened is just as confusing as it is hurtful. Let’s get one thing straight, you did nothing wrong. You are not at fault here. Nothing you could’ve done or said should or could cause this reaction.
Coming to your first question, it is very difficult to answer it without generalizing all men. But some of the most reasons for this could be:
He got what he wanted. It sounds crass but in most cases, this is the truth. He had no intentions of being more than just that.
He might be avoiding responsibility. He didn’t want more, and the mature thing would have been to sit down and have that discussion with you. But, maturity isn’t easy and he chose the easy route, that is to ghost. His decision to disappear is a reflection of his nature, not yours.
Coming to what your friend said, it could be that too, but the chances are slim. Some men do feel overwhelmed but disappearing for over a week is a stretch. Again, it’s his unreadiness to feel so many emotions, not yours.
Now, I want to gently nudge you towards one thing: you said you feel ashamed. Shame creeps in when you hold yourself accountable for someone else’s actions. And also due to societal prejudice. Keep both aside, and you have nothing to be ashamed of. Did you move too fast? To be honest, there is no fast or slow in these things. There’s no set timeline. You did what you felt was right in the moment. And you were ready to step up, but he went MIA. The entire unfortunate turnout is not because of your pace but his lack of respect. Even if he comes up with a good enough reason for this disappearing act, I still want you to remember that not even for a second, you had anything to create this situation.


I hope this helps.

Ans: Pravin Sir, With a 92.88 percentile in MHT CET PCM (General, All India), your son’s rank is likely between 8,000–11,000, which is competitive but not sufficient for Computer Science or IT in top government colleges like COEP Pune, VJTI Mumbai, or PICT Pune, where CSE cutoffs are above 98–99 percentile. However, he can target CSE, IT, or related branches in reputable private institutes and some government colleges with slightly lower cutoffs. Good options include PCCOE Pune (CSE/IT cutoff: 91–94 percentile), MIT WPU Pune (94–96.5), VIIT Pune (92–95), and KJ Somaiya Mumbai (IT: 92–94). Branches like Mechanical, Civil, and Electrical are accessible in more top colleges at this percentile. He may also get AI/DS or ECE at institutes like Walchand College, SGGS Nanded, or Cummins Pune (for girls).

Recommendation: Prioritize CSE/IT in PCCOE Pune, MIT WPU, VIIT Pune, or KJ Somaiya, and consider ECE/AI/DS in Walchand, SGGS Nanded, or Cummins Pune, as these offer a balance of academic quality and placement opportunities at your son’s percentile. All the BEST for the Admission & a Prosperous Future!

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Ans: institutions. The program emphasizes interdisciplinary research, provides opportunities for publishing, conference participation, and has a robust placement record with graduates working in academia, research, clinical, and corporate sectors. The total fee is ?3 lakh for three years, and the university is NAAC A+ accredited. Lovely Professional University (LPU) Punjab also offers a three-year PhD in Psychology with similar eligibility and fee structure (?3 lakh), requiring LPUNEST PhD for admission. LPU has modern infrastructure, research-active faculty, and offers scholarships up to 50% for LPUNEST toppers and 20% for female candidates. LPU graduates find opportunities in teaching, research, counseling, and industry roles, but Amity’s program stands out for its wider research network, more established psychology department, and higher national reputation in psychology research and placements.

Recommendation: Amity University Noida is the better choice for a PhD in Psychology due to its broader research scope, established faculty, superior research infrastructure, and stronger placement and academic reputation in the field compared to LPU Punjab. All the BEST for the Admission & a Prosperous Future!

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Ans: With a COMEDK rank of 31,549, you won’t be able to get CSE in top or mid-tier Bangalore colleges like RVCE, BMSCE, MSRIT, or even in popular options like DSCE and SIT Tumkur, as their closing ranks for CSE are generally below 10,000–15,000. However, you can secure CSE seats in private colleges with higher cutoffs such as Acharya Institute of Technology, ACS College of Engineering, East West Institute of Technology, Sairam College of Engineering, and Presidency University, where CSE cutoffs can extend up to 60,000 or even higher in later rounds. These colleges offer decent infrastructure, placement support, and industry exposure, though placement rates and average packages may be lower compared to top colleges. Presidency University, for example, had a CSE closing rank of 63,769 in 2024, and CIT Tumkur is also accessible at your rank.

Recommendation: At a rank of 31,549, target CSE in colleges like Presidency University, CIT Tumkur, Acharya Institute of Technology, ACS College of Engineering, East West Institute of Technology, and Sairam College of Engineering for the best available options through COMEDK counselling. All the BEST for the Admission & a Prosperous Future!

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Ans: Given your son’s current options—CSE at MIT Bangalore, Integrated MTech (Data Science) at VIT, and a 79.88 percentile in KEAM—MIT Bangalore CSE stands out for its high placement rate (90–95%), strong recruiter pool (Microsoft, Amazon, Nvidia), and industry exposure in Bengaluru, the IT hub. VIT’s Integrated MTech (Data Science) is a five-year course with average placements of ?7–10 LPA and top recruiters like Microsoft and Amazon, but requires a longer commitment and is better suited for students with a clear focus on research or data science careers. With a KEAM percentile of 79.88, top Kerala government colleges like CET Trivandrum or GEC Thrissur for CSE are not accessible (CSE cutoffs are typically below 1,000–2,000 rank). MIT Bangalore’s CSE program offers a four-year path with strong placements, modern infrastructure, and the advantage of being in a major tech city, making it more flexible and industry-aligned than a five-year integrated program.

Recommendation: Choose CSE at MIT Bangalore for its shorter duration, excellent placement prospects, and prime location in Bengaluru, unless your son has a strong, specific interest in pursuing research-oriented or data science careers, in which case VIT’s Integrated MTech is a good alternative. KEAM options are less competitive given your current percentile. All the BEST for the Admission & a Prosperous Future!

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Ans: Between CSE at Manipal Bangalore and SRM Main Campus, SRM offers a slightly higher placement rate (up to 95% for CSE), an average package of ?7–8 LPA, and a large recruiter base including TCS, Infosys, and Microsoft, with a long-established reputation and NAAC A++ accreditation. Manipal Bangalore’s CSE program is newer, with decent placements (60–65% in its first batch, highest package ?35 LPA), strong industry-oriented curriculum, and the advantage of being in India’s tech hub, but it lacks the established alumni network and placement consistency of SRM Main. For a COMEDK rank of 12,964, CSE in top Bangalore colleges like RVCE, BMSCE, and MSRIT is not possible, but you can get CSE in colleges like Nitte Meenakshi Institute of Technology (NMIT), CMR Institute of Technology, Reva University, Dayananda Sagar Academy of Technology, and Dr. Ambedkar Institute of Technology, all of which offer good placements and industry exposure.

Recommendation: Prefer CSE at SRM Main Campus for its higher placement consistency, established reputation, and broader recruiter network. If you strongly prefer Bangalore, NMIT or CMR Institute of Technology are good alternatives at your COMEDK rank, but Manipal Bangalore is best considered if you value location and emerging campus culture over placement history. All the BEST for the Admission & a Prosperous Future!

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