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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Dec 15, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by Arvind on Dec 15, 2022Hindi

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I am 40 years old and want to create a MF portfolio that will give me >= 15% return for the next 6-8 years. I am fairly open to taking risks. Can you pls suggest a basket of 5-6 funds and how much to invest in each of them to get a corpus of 1 Cr at the end of the time frame?

Ans: Hello Arvind. You may invest in the following schemes to create a corpus of 1 CR in the next 8 years based on your requirement. The starting sip amount will be 56K per month.

SBI Small Cap Fund -- 12,000.00

Quant Flexi cap Fund -- 12,000.00

ICICI Pru Bluechip Fund --- 10,000.00

Canara Robeco Emerging Equities Fund -- 10,000.00

Nippon India Growth Fund -- 12,000.00

Total: 56,000.00

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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Question by saraswati - Apr 05, 2022Hindi

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I hv just started my investment in MFs. I am 24yrs and want to make a corpus of Rs. 3 to 4 Cr by investing in MFs in 20 to 25 yrs. Pls guide me how can I achieve my target. DSP MID CAP Rs 5KCANARA ROBECO EMERGING (R) G Rs 5K AXIS MID CAP Rs 3K SBI FOCUSED EQUITY (R) G Rs 5K ICICI PRU FLEXICAP G Rs 5K AXIS ESG FUND Rs 10K I CAN ALSO INVEST IN LUMP SUM OF RS. 2.00LAC. Looking forward to your advice. Omkeshwar Singh Please continue and yes you may invest Rs. 2 lakh as lump sum proportionally in all the above funds. Abhsihek Sarin: This is in regards to your Ask MF Guru section on Rediff.com. Requesting your advice on and review of the following investments. I have recently started a mutual fund portfolio at age 25, with monthly SIPs totalling Rs 8500, and targeting a total monthly investment of Rs 10000. The mutual funds I have currently invested in are: Aditya Birla Sun Life Corporate Bond Fund Direct Growth - Rs 3000 monthly SIP Mirae Asset Tax Saver Fund Direct Growth - Rs 1500 monthly SIP Axis Small Cap Find Direct Growth - Rs 1500 monthly SIP ICICI Prudential Technology Direct Plan Growth - Rs 2500 monthly SIP Risk appetite is very high; annual step up is targeted at 15% and the aim is to achieve Rs 1cr corpus in 15 years from today i.e. age 40. Please review the above investments, and also suggest a moderate risk mutual fund to invest the remaining Rs 1500.

Ans: Portfolio is fine and it's good that you have started investing early. For moderate risk you may look at hybrid funds in balanced advantage category.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 09, 2022

Question by Ravindranath - Aug 09, 2022Hindi

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I am 43 years old and would like to invest till I retire at 58 and expect a decent return of at least 12%. Please find below my mf basket, and advise whether the funds in the basket are good ones or not. Axis Long term Equity Fund (Tax Saving) Direct Plan Growth - 500/M Aditya Birla Sun Life Tax relief 96 Direct Plan Growth - 500/M PGIM Midcap Opportunities Fund Direct growth - 1000/M Axis Small Cap Fund Direct Growth - 500/M Parag Parikh Flexi cap Direct Growth - 1000/M Quant Active Fund Growth Option Direct Fund - 1000/M ICICI Prudential Commodities Fund Direct growth - 300/M Kotak Bluechip Diect growth - 1000/M Navi Nifty Next 50 Index Fund Direct Growth - 500/M Tata Digital India Fund Direct Growth - 1000/M

Ans: The schemes are good. Please continue.

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Head, Rank MF - Answered on Aug 09, 2022

Question by Ravindranath - Aug 09, 2022Hindi

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I am 43 years old and would like to invest till I retire at 58 and expect a decent return of at least 12%. Please find below my mf basket, and advise whether the funds in the basket are good ones or not. Axis Long term Equity Fund (Tax Saving) Direct Plan Growth - 500/M Aditya Birla Sun Life Tax relief 96 Direct Plan Growth - 500/M PGIM Midcap Opportunities Fund Direct growth - 1000/M Axis Small Cap Fund Direct Growth - 500/M Parag Parikh Flexi cap Direct Growth - 1000/M Quant Active Fund Growth Option Direct Fund - 1000/M ICICI Prudential Commodities Fund Direct growth - 300/M Kotak Bluechip Diect growth - 1000/M Navi Nifty Next 50 Index Fund Direct Growth - 500/M Tata Digital India Fund Direct Growth - 1000/M

Ans: The schemes are good. Please continue.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 09, 2022

Question by Arvind - Dec 09, 2022Hindi

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I am 40 years old and want to create a MF portfolio that will give me = 15% return for the next 6-8 years. I am fairly open to taking risks. Can you pls suggest a basket of 5-6 funds and how much to invest in each of them to get a corpus of 1Cr at the end of the time frame?

Ans: Rs 1 cr in 8 years will require an investment (Monthly) of Rs 54000.

Schemes that can be considered are as under

HDFC Index Fund – Sensex Plan – Growth

UTI Flexi cap Fund – Growth

Axis ESG Equity fund – Growth

Samco Flexi cap fund – Growth

Motilal Oswal Mid cap Fund - Growth

Nippon India Small Cap Fund - Growth

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Mutual Fund Expert - Answered on Dec 27, 2023

Question by Prakash - Dec 27, 2023Hindi

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I have an amount of 5 lakh to invest in MFs with a time horizon of 15 years, kindly suggest an agressive portfolio.

Ans: Hello Prakash and thanks for writing to me. As you have a time horizon of 15 years and want an aggressive portfolio, you can consider investing Rs.1 Lakh in each of the below schemes:

1-Edelweiss NIFTY 100 Quality 30 Index Fund
2-SBI Focused Equity Fund
3-DSP Quant Fund
4-UTI Flexi Cap Fund
5-Tata Ethical Fund

Do note that periodic rebalancing is essential to ensure you are on the right track. You can consider talking to a financial planner who will help you plan your finances.

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International Education Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 03, 2025Hindi

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Sir, I am in the 11th class engineering course, and I want to higher studies (colleges) in the USA in an engineering course through the student exchange program scholarship. Please inform me how & where I can approach the scholarship website & exam and all the particulars I need to get the seat.

Ans: If you're in 11th and want to study engineering in the USA through a student exchange or scholarship, here’s what you should focus on:
1. Scholarship Options – Look into programs like:
o EducationUSA – guides you on scholarships and college applications.
o College Board’s Opportunity Scholarships – for students applying to U.S. colleges.
2. Entrance Exams – You’ll need to prepare for:
o SAT or ACT – for college admission.
o TOEFL or IELTS – to prove English ability.
3. Approach – Start with:
o Visiting educationusa.state.gov for verified info.
o Creating a profile on collegeboard.org for SAT.
o Talking to your school counselor about exchange programs and documents.
Also, build a strong profile—good marks, activities, and basic communication skills matter. Start preparing from now, and by 12th, you can apply for Fall intake.

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International Education Counsellor - Answered on Jul 07, 2025

Question by Ashis - Jul 03, 2025Hindi

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My daughter in law has completed MA in Philosophy..what course can be done in which she can work from home

Ans: With an MA in Philosophy, she already has strong thinking, writing, and communication skills. Here are a few work-from-home options she can explore with short courses:
1. Content Writing / Copywriting – She can take an online writing course and work as a freelance writer or editor. Many websites and companies need writers.
2. Digital Marketing – A short course in digital marketing (like SEO, social media, email marketing) can help her find remote jobs or freelance projects.
3. Counseling / Psychology Basics – If she’s interested in helping people, a basic counseling or life coaching certificate (online) can be a good path.
4. Teaching / Online Tutoring – She can tutor philosophy, ethics, or English online through platforms like Chegg, Vedantu, etc.
5. UX Writing / Technical Writing – If she learns basic tools, this is in demand and mostly remote.
Let her explore one area based on her interest—there are many good online platforms like Coursera, Udemy, and Google Digital Garage to start with.

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International Education Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 03, 2025Hindi

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Dear Gurus, My daughter is in her 3rd year pursuing BBA in Business Analytics from PES University, Bangalore, her GPA IS 8 2 , its a 4 year course , she is aspiring to do her masters from USA, please let us know the options she can choose keeping in mind the employment opportunities later and also suggest so.e universities which can look at

Ans: Your daughter is on the right track with a BBA in Business Analytics. Since it’s a 4-year course, she’ll be eligible for a Master’s in the U.S. directly.
Good Master’s Options (with job scope):
1. MS in Business Analytics – High demand in U.S. job market.
2. MS in Information Systems – Mix of business + tech, opens IT/data roles.
3. MBA (with Analytics focus) – Needs 2–3 years of work experience, good for leadership roles later.
Few Universities to Consider:
• University of Texas at Dallas
• Northeastern University
• Arizona State University
• University of Maryland, College Park
Encourage her to prep for GRE and TOEFL/IELTS, and build a strong SOP + projects/internships. Let her do a couple of internships before she graduates—it will help both in admission and jobs.
Happy to guide further when you're ready to start applications.

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International Education Counsellor - Answered on Jul 07, 2025

Question by Ragul - May 31, 2025Hindi

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Sir, now I Scored 91% in class 12 state board exam in Tamilnadu. I would like to study in UK for my undergraduate programme in the department of Biotechnology. Is Indian government will provide me a scholarship to study in aboard countries like UK. Can you please give me a details about aboard education in UK specifically B.Tech department.

Ans: Well done on scoring 91%
To study Biotechnology in the UK, you can apply for a BSc or BEng (they don’t have a B.Tech system like India, but it’s similar). The course is 3 years.
About Scholarships:
Indian government scholarships for UG abroad are very limited. You can check:
• National Overseas Scholarship (NOS) – mostly for PG, but still check the latest updates.
• Some state government schemes may offer partial support.
UK Universities may offer scholarships directly, like:
• University of Sheffield – International Merit Scholarship
• University of Nottingham – India UG Scholarship
• University of Leeds, University of Bristol, etc. – also give partial tuition fee waivers.
Steps to follow:
1. Start preparing for IELTS (English test).
2. Shortlist 5 universities for Biotechnology.
3. Apply through UCAS – UK’s central application system.
4. Apply early (by Jan of 12th std for Sept intake).
5. Keep documents like SOP, LORs, and transcripts ready.

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International Education Counsellor - Answered on Jul 07, 2025

Question by Ragul - May 31, 2025Hindi

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Which undergraduate programme is best in United Kingdom?

Ans: There’s no single “best” undergraduate programme in the UK—it really depends on your interest and career goals. But here are some of the most popular and respected courses:
1. Computer Science / AI – Great job opportunities, strong research.
2. Business / Management – Strong industry links, global exposure.
3. Engineering (Mechanical, Civil, etc.) – Solid foundation, many options.
4. Law – UK law degrees are well recognised.
5. Medicine – Highly competitive, but UK degrees are globally valued.
6. Economics / Finance – Top programs, especially in London.
7. Design / Architecture / Creative Arts – Strong schools like UAL, Loughborough.

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Career Counsellor - Answered on Jul 07, 2025

Question by Emmer - Jul 07, 2025Hindi

Career

Nit Suratkal EEE vs IIT Dharwada ME which is best

Ans: NIT Surathkal’s Electrical & Electronics Engineering holds NBA accreditation and a NIRF 2024 ranking of #17, delivered by PhD-qualified faculty across state-of-the-art power-electronics, high-voltage, control-systems and embedded-systems labs with remote-access experimentation via its SOLVE facility, mandatory industry internships through MoUs with Siemens and Schneider Electric, and an 80–90% placement consistency over the last three years. IIT Dharwad’s B.Tech in Mechanical Engineering, an NBA-aligned programme at a NIRF-ranked #101 institute, features expert faculty, modern CAD/CAM, thermal-sciences and manufacturing labs, a compulsory capstone project and summer internships, but recorded only ~31% undergraduate placement in 2024 with an average package of ?11 LPA.

For robust EEE specialization with superior placement outcomes and cutting-edge labs, recommendation is NIT Surathkal EEE. If a strong mechanical foundation with research-driven projects appeals more, albeit with lower placement rates, choose IIT Dharwad Mechanical Engineering. All the BEST for Admission & a Prosperous Future!

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International Education Counsellor - Answered on Jul 07, 2025

Question by Neeraj - May 31, 2025Hindi

Career

Sir how do I get into german universities for ms in biomedical engineering and what is the eligibility and exam required

Ans: Here’s how you can plan for MS in Biomedical Engineering in Germany:
Eligibility:
• A Bachelor's degree in Biomedical, Electronics, Biotechnology, or related field.
• Minimum 65–70% in your UG (some top unis may ask for higher).
• Good academic background in maths, physics, biology.
Entrance Exams:
• IELTS (usually 6.5 or above) or TOEFL – for English-taught programs.
• GATE is not needed. GRE is optional, not compulsory for most German universities.
• Some unis may ask for German language level (A2–B1) if the course is partly in German.
Steps to Apply:
1. Start researching unis by 3rd year of your UG.
2. Prepare IELTS and collect all transcripts, SOP, LORs.
3. Apply directly to universities or through Uni-Assist (for some public unis).
4. Look for tuition-free or low-cost public universities (Germany is known for it).
5. Apply for student visa (proof of funds around €11,000 in a blocked account).
Start early and be organised—you’ll do well.

Dr Karan Gupta |94 Answers |Ask -Follow

International Education Counsellor - Answered on Jul 07, 2025

Question by Vijayata - Jun 03, 2025Hindi

Career

Is it possible to pursue Bsc physics hons or astrophysics in abroad with less fees or scholarships for the academic year 2025-26? As being a single mother, is it affordable?

Ans: Yes, it is possible to study BSc Physics or Astrophysics abroad with lower fees or scholarships, but it needs smart planning.
Here are some affordable options you can explore:
1. Germany – Public universities have no tuition fees, only living expenses. Many offer Physics in English. Needs IELTS and 12th with strong marks.
2. Norway / Finland – Some tuition-free options, but cost of living is high. Scholarships available, but competitive.
3. France / Italy – Low tuition fees and good government scholarships. You may need basic local language skills.
4. USA / UK – Expensive, but some private colleges give good need-based scholarships. You’ll have to apply early and with strong documentation.
As a single mother, you should also explore:
• Education loan + scholarship combo
• Part-time work option for students abroad
• Countries where dependent visa is possible (if you plan to go with your child)
So yes, it’s possible—but the key is to target the right countries and apply early with all documents.

Dr Karan Gupta |94 Answers |Ask -Follow

International Education Counsellor - Answered on Jul 07, 2025

Question by Sudish - Jul 03, 2025Hindi

Career

1 month back I got interview call letter from iit madras for MS in computational engineering (which comprises of subjects from maths and computer science) in the interview they asked questions from maths and DSA but unfortunately i wasnt able to clear the interview and now i got admission in mtech ocean engineering and naval architecture from iit kharagpur. My doubt is should i focus on this mtech program or should I prepare and appear for the interview again in december month ( summer intake )

Ans: You’re in a good position either way, so don’t worry.
If your true interest is in computational engineering and you’re confident you can prepare well for the December interview, then yes—take the shot again. Just use this time to strengthen your maths and DSA skills.
But at the same time, don’t let go of the IIT Kharagpur M.Tech offer casually. It’s a solid program with its own value, especially if you’re open to careers in ocean/defence/marine sectors or even data-related roles later (with extra effort).
If you're not fully interested in the Kharagpur program and can afford to wait, focus on the December attempt. But if you want to stay on the safe side, you can join IIT KGP now and still try again—if selected, you can shift.
So think based on your passion, patience, and backup needs.

Dr Karan Gupta |94 Answers |Ask -Follow

International Education Counsellor - Answered on Jul 07, 2025

Question by sowj - Jun 26, 2025Hindi

Career

sir my son has scored 4300 rank in comedk. which courses in RV, bmsce, msrit ? more chances to get? if in BMSCE if he takes cs with business systems, any scope for this course in future?

Ans: At 4300 rank in COMEDK, your son has a fair chance for some good branches in BMSCE, MSRIT, and maybe a few options in RV (though RV is slightly tougher).
Here’s what he can realistically expect:
• BMSCE: Likely to get CSE with Business Systems, ECE, ISE, or other allied branches like AI/ML or Data Science (depending on cutoffs that year).
• MSRIT: Better chances here – similar branches as above, possibly even core CSE if cutoffs move a bit.
• RV: Slightly tight at 4300, but may get branches like ECE, ISE, or newer CSE specialisations if cutoffs drop.
CSE with Business Systems (TCS collaboration) is a good and growing program – it combines CS fundamentals with business understanding, which is in demand in product companies, fintech, and IT consulting. Companies like TCS, Infosys, Wipro, etc., actively hire from this program.
So yes, it’s a smart option if your son is interested in both tech and how businesses use it.

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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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