Home > Money > Question
Need Expert Advice?Our Gurus Can Help

Is my 7 cr investment plan realistic for the next 10 years?

Ramalingam

Ramalingam Kalirajan  |9924 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 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
Sachin Question by Sachin on Jul 17, 2024Hindi
Listen
Money

I am 40 and plan to accumulate around 7cr in next 10 years. I have 1 cr in mutual fund, 65 lacs in equity. Having sip of 45000 per month. Insurance 5 lacs in ulip having death insurance of 50lac and 10 lac insurance in lic , FD of 35 lacs, PF 19 lac, ppf 1.2 lacs , 1 lac of govt gold bond . cash in bank of 10 lacs.have some amount approx 20 lac which are on loanto relatives will get back in 2 years having 2 children of age daughter 10 and son 5 years .Please advise which funds to invest in.I have one home of approx 3 cr in gr Noida and one property in yamuna expressway authority of approx current value 2.5 cr.i am having salary of 1 lac. Investing 10k in vpf.

Ans: Current Financial Snapshot
You have a diverse portfolio.

You have investments in mutual funds, equity, insurance, FD, PF, PPF, and gold bonds.

You also own properties in Greater Noida and Yamuna Expressway.

You have a good monthly salary and a structured SIP.

Your financial goals are clear.

Asset Allocation Evaluation
Mutual Funds
You have Rs 1 crore in mutual funds.

This is a strong investment, but diversification within mutual funds can be improved.

Consider including a mix of large-cap, mid-cap, and small-cap funds.

Actively managed funds can offer better returns than index funds due to expert management.

Equity
Rs 65 lakhs in direct equity is commendable.

Ensure you regularly review your portfolio.

Rebalance based on market conditions and company performance.

Systematic Investment Plan (SIP)
You have a SIP of Rs 45,000 per month.

This is a disciplined approach.

Consider increasing your SIP amount gradually.

This will help you achieve your goal of Rs 7 crore in 10 years.

Insurance
You have ULIP and LIC policies.

ULIPs often have high charges and low returns.

Consider surrendering your ULIP and reinvesting in mutual funds.

LIC policies are good for insurance but not for investment.

Evaluate if term insurance can provide better coverage at a lower cost.

Fixed Deposits (FD)
You have Rs 35 lakhs in FD.

FDs are safe but offer low returns.

Consider diversifying a portion of this into higher-yield investments.

Provident Fund (PF) and Public Provident Fund (PPF)
You have Rs 19 lakhs in PF and Rs 1.2 lakhs in PPF.

These are excellent for long-term, tax-free returns.

Continue with your contributions to PPF.

Gold Bonds
Rs 1 lakh in government gold bonds is a good hedge.

Gold is a good diversification tool.

Cash in Bank
You have Rs 10 lakhs in the bank.

Keep sufficient liquidity for emergencies.

Consider moving excess funds to higher-yield investments.

Loans to Relatives
You have Rs 20 lakhs given as a loan to relatives.

Ensure you have a clear agreement for repayment.

Reinvest this amount once received.

Real Estate
You own properties worth Rs 5.5 crore.

These are significant assets.

Keep them for long-term appreciation.

Investment Strategy Recommendations
Diversify Mutual Funds
Invest in a mix of large-cap, mid-cap, and small-cap funds.

Actively managed funds can provide better returns.

Increase SIP
Increase your SIP amount to Rs 50,000 or more.

This accelerates wealth accumulation.

Rebalance Portfolio
Regularly review and rebalance your portfolio.

Shift funds based on performance and market conditions.

Evaluate Insurance Needs
Consider term insurance for better coverage.

Reinvest savings from ULIP in mutual funds.

Fixed Deposit Diversification
Move a portion of FD to mutual funds.

This can yield higher returns over time.

Continue Provident Fund Contributions
Keep contributing to PF and PPF.

These are tax-efficient and offer stable returns.

Maintain Gold Investments
Keep investing in gold bonds.

Gold provides a good hedge against market volatility.

Plan for Loan Repayment
Ensure timely repayment of loans to relatives.

Reinvest the recovered amount strategically.

Final Insights
Your goal of Rs 7 crore in 10 years is achievable.

Diversify and rebalance your investments.

Increase SIP gradually.

Evaluate and optimize insurance coverage.

Maintain liquidity but seek higher returns on excess funds.

Plan and invest wisely for your children's future.

Regular review and disciplined investing are key.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9924 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Listen
Money
My intake salary is 180000 per month, I m planning to invest 100000 per month. 50k on mutual funds. 20k on direct stocks, 25k for RD as emergency fund and 5k for gold. Please suggest mutual funds and also is there I need to change these structures. I am 26 year old with no savings as of now. I purchased land for 25Lakhs. That's the only investment I have.
Ans: Optimizing Investment Strategy for Financial Growth

Strategic Investment Plan Evaluation

Your proactive approach towards investing a significant portion of your income reflects a commendable commitment to financial growth and security. Let's assess your proposed investment plan and explore potential adjustments to maximize returns and mitigate risks effectively.

Analyzing Proposed Investment Structure

Your proposed investment plan allocates funds across mutual funds, direct stocks, recurring deposits (RD) for emergency funds, and gold. This diversified approach aims to leverage various asset classes for wealth accumulation and risk management.

Mutual Funds Selection for Long-term Growth

Mutual funds offer a convenient and professionally managed avenue for long-term wealth accumulation. When selecting mutual funds, prioritize diversified equity funds with a track record of consistent performance and experienced fund management teams.

Disadvantages of Direct Stocks

While direct stocks offer the potential for high returns, they also entail higher risk and require in-depth research and monitoring. Investing in individual stocks without proper knowledge and expertise may expose you to volatility and potential losses.

Benefits of Regular Funds Investing through MFD with CFP Credential

Investing through a Certified Financial Planner (CFP) provides access to professional guidance and comprehensive financial planning services. An MFD with a CFP credential can assist in selecting suitable mutual funds, optimizing your investment strategy, and aligning it with your financial goals.

Exploring Adjustments to Investment Structure

Consider reassessing the allocation towards direct stocks, especially if you lack experience or time for thorough stock research and monitoring. Redirecting a portion of the allocation towards mutual funds can enhance diversification and mitigate single-stock risk.

Optimizing Emergency Fund Strategy

While recurring deposits (RD) offer liquidity and stability for emergency funds, explore alternative options such as liquid mutual funds. Liquid funds provide higher potential returns and easier accessibility while maintaining liquidity for unforeseen expenses.

Conclusion

Your proposed investment plan demonstrates a proactive approach towards wealth creation and financial security. By prioritizing diversified mutual funds, leveraging professional guidance, and optimizing emergency fund strategies, you can enhance portfolio resilience and long-term growth potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9924 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 26, 2024Hindi
Listen
Money
Hello Sir ,I am 50 years old and a government servant in Rajasthan having served the department for 21 years now with 12 years of service still remaining . I own a house which is almost debt free, have invested in sip’s ,which are small amount but in different funds which includes SBI blue chip,nippon ,quant small cap fund ,Parag Parikh flexicap .I have one daughter and my wife is also a government teacher.We both would get around one crore each when we retire . My objective now is my daughter’s education,her marriage and post retirement a better life economically. I have family health insurance also despite government providing us with a free of cost health services.In which funds , for long and short term,I should invest to fulfill my future requirements.My job is pensionable.
Ans: It's commendable that you're thinking ahead and planning for your family's future. Here are some tailored suggestions for your financial goals:

For Daughter's Education:
Short-Term (0-5 Years): Consider investing in debt mutual funds or fixed deposits to ensure capital preservation for your daughter's near-term education expenses.
Long-Term (5+ Years): Since your daughter's education is a long-term goal, you can invest in a mix of equity mutual funds with a focus on growth. Look for diversified funds that offer exposure to large-cap, mid-cap, and flexi-cap segments.
For Daughter's Marriage:
Medium to Long-Term (5-15 Years): To accumulate funds for your daughter's marriage, you can allocate a portion of your investments to equity mutual funds with a longer investment horizon. Opt for a combination of large-cap and flexi-cap funds for stability and growth potential.
For Retirement:
Long-Term (12+ Years): As you have a pensionable job, your retirement corpus can supplement your pension income. Invest in a diversified portfolio of equity mutual funds along with a portion allocated to debt funds for stability. Aim for a balanced approach that accounts for both growth and capital preservation.
Fund Selection:
Equity Funds: Look for well-established funds with a consistent track record of performance and a focus on long-term wealth creation. Consider funds with a proven investment strategy and experienced fund managers.
Debt Funds: Choose debt funds that offer a blend of safety and returns suitable for your short-term goals. Opt for funds with a low credit risk and a moderate duration profile.
Balanced Funds: Consider allocating a portion of your investments to balanced funds, which offer a mix of equity and debt exposure. These funds provide diversification and stability to your portfolio.
Risk Management:
Review Regularly: Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Make adjustments as needed based on changes in your circumstances or market conditions.
Stay Informed: Stay updated on market trends, economic developments, and investment opportunities. Knowledge empowers you to make informed decisions and navigate financial markets effectively.
Consultation:
Seek Professional Advice: Consider consulting with a certified financial planner to develop a personalized financial plan tailored to your specific needs and objectives. A professional advisor can provide valuable insights and guidance to help you achieve your financial goals effectively.
By following these recommendations and staying disciplined in your investment approach, you can work towards securing a bright and financially stable future for yourself and your family.

..Read more

Ramalingam

Ramalingam Kalirajan  |9924 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - Apr 29, 2024Hindi
Listen
Money
I am 33 years and earn around 1Lakh per month. Below are my investments. I want to have a good retirement corpus before 50 or monthly income for 50k 1. Axis ELSS Tax Saver Fund - 15th Dec 2018 - 2500 PM - 1.23L invested till now - paused now as ELSS not needed 2. Tata Small Cap Fund - 28th Aug 2021 -2500PM - 72.49k invested till now 3. UTI Nifty 50 Index Fund - 10th Mar 2023 - 2500PM - 43.99k invested till now 4. Axis Bluechip Fund - 21st Aug 2019 - 2500 PM - 1.32L invested till now 5. Nippon India Growth Fund - 10th Apr 2023 - 2500 PM - 33.87k invested till now 6. Axis Small Cap Fund - 28th Aug 2021 - 2500 PM - 72.49k invested till now 7. Axis Nifty 100 Index Fund - 15th Mar 2024 - 420 PM - 1.8k invested till now 8. Zerodha Nifty LargeMidcap 250 Index Fund - 2221 Lumpsum 9. DSP ELSS Tax Saver Fund - 32.49k Lumpsum 10. Bank of India ELSS Tax Saver - 36.99k Lumpsum Apart from this i invest 50000 in NPS annually. PPF 1500 annually since 2018 have 2 Flats of approx 45lakh each and have a pending loan of 23lakh for one. kindly suggest.
Ans: Your diligent approach towards investing and financial planning at 33 sets a strong foundation for achieving your retirement goals. Let's analyze your current investments and outline a strategy to build a robust retirement corpus or secure a monthly income stream by age 50.

Assessing Investment Portfolio
Your diversified investment portfolio comprising Equity Linked Savings Schemes (ELSS), mutual funds, index funds, and other tax-saving instruments reflects a proactive approach towards wealth accumulation. Let's evaluate each component to optimize your retirement strategy.

Equity Investments: Building Long-Term Growth Potential
Equity-oriented funds such as Axis ELSS Tax Saver Fund, Tata Small Cap Fund, Axis Bluechip Fund, and others offer exposure to diversified market segments, aiming for capital appreciation over the long term. While these funds carry market risk, they historically outperform traditional investment avenues over extended periods.

Index Funds: Cost-Effective and Passive Growth
Index funds like UTI Nifty 50 Index Fund and Axis Nifty 100 Index Fund provide broad market exposure while minimizing expense ratios and active management fees. Their passive investment approach mirrors market performance, offering steady growth potential with lower volatility compared to actively managed funds.

Real Estate Holdings: Tangible Asset Accumulation
Owning two flats valued at approximately ?45 lakhs each provides tangible asset accumulation and potential rental income streams. However, considering the pending loan of ?23 lakhs, it's essential to evaluate the overall debt exposure and assess the feasibility of leveraging rental income towards loan repayment.

Supplementary Retirement Contributions: NPS and PPF
Your annual contributions of ?50,000 to NPS and regular investments in PPF demonstrate a disciplined savings approach towards retirement planning. Both NPS and PPF offer tax benefits and long-term wealth accumulation potential, complementing your equity and real estate investments.

Crafting Retirement Strategy
Optimize Equity Portfolio: Consider reviewing your equity portfolio to ensure alignment with your risk tolerance and long-term goals. Periodic rebalancing and diversification across market caps and sectors can mitigate risk and enhance returns.

Evaluate Real Estate Holdings: Assess the rental income potential of your flats and explore options to expedite loan repayment. Strategic debt management can unlock additional cash flows and bolster your retirement savings.

Maximize Tax-Efficient Investments: Leverage tax-saving instruments like ELSS, NPS, and PPF to optimize tax benefits while accelerating retirement savings. Regular contributions and systematic investment planning amplify wealth accumulation potential over time.

Monitor and Adjust: Regularly review your investment portfolio, track performance metrics, and adapt strategies based on changing market dynamics and personal circumstances. Seeking professional guidance can provide valuable insights and optimize investment decisions.

Conclusion
With a proactive approach and diversified investment strategy, achieving your retirement goals before age 50 is within reach. By leveraging equity, real estate, and tax-efficient savings avenues, coupled with prudent portfolio management and strategic debt optimization, you can pave the way towards a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9924 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

Money
I am 49 years old working in private sector. Currently, drawing Rs. 1.50 lakhs per month, my investment details. - Lumpsum investment – canara robeco midcap regular – Rs.2 lakhs, union multicap fund –Rs.1 lakh, mahindra Manulife small cap rs.2 lakh; canara robeco multi cap Rs.2.20 lakhs; mahindra Manulife business cycle fund – Rs. 50,000; white oak capital large & mid cap fund – Rs. 100,000; ICICI prudential energy opportunities fund – rs. 100,000 - SIP – HDFC Defence fund – Rs. 10,000; mahindra manulife manufacturing fund – Rs.10000; white oak special opportunities fund 10,000 - FD with HDFC bank – rs. 12,00,000 - LIC – Rs. 10 lakhs My future expenditure, daughters marriage in 3 to 4 years and to purchase house in chennai and to save money for retirement. Please give me advice on how to invest so that I can meet my future demands and have a self-sufficient retirement.
Ans: Assessment of Current Investments
Mutual Funds

Your portfolio has a good mix of midcap, multicap, small-cap, and sectoral funds.
Diversification across different fund categories is appreciable.
However, the allocation to thematic and sectoral funds like defence, manufacturing, and energy is high.
Sectoral funds can be volatile and risky, especially for near-term goals.
Fixed Deposit (FD)

Rs. 12 lakh in FD provides stability and liquidity.
FDs are suitable for short-term needs but offer limited growth potential.
LIC Policy

The LIC policy provides Rs. 10 lakh, likely covering insurance and investment.
Such policies usually yield lower returns than mutual funds.
Future Financial Goals
Daughter’s Marriage (3–4 years)

Allocate funds with a low-risk profile for this goal.
Avoid high exposure to equity for this purpose.
House Purchase in Chennai

Save in instruments that offer both safety and moderate returns.
Flexibility and liquidity are important for this goal.
Retirement Corpus

Focus on long-term equity investments for growth.
Diversify to balance returns and risk.
Proposed Investment Strategy
Short-Term Goals (Daughter’s Marriage and House Purchase)
Utilise Fixed Deposits Wisely

Allocate a portion of your FD for your daughter’s marriage.
Retain some FD for emergency purposes only.
Invest in Debt Mutual Funds

Choose high-quality short-duration or dynamic bond funds.
Debt funds can provide better post-tax returns than FDs.
Keep the money safe and accessible for short-term use.
Avoid Sectoral and Thematic Funds

Shift sectoral fund investments to safer debt-oriented funds.
Sectoral funds are not suitable for short-term goals.
Medium- to Long-Term Goal (Retirement Planning)
Increase SIP in Diversified Equity Funds

Diversify into flexicap, multicap, or large-cap funds.
These funds balance risk and growth for long-term wealth creation.
Reduce Thematic Fund Allocation

Limit exposure to thematic funds to less than 10% of the portfolio.
Reallocate to well-diversified equity funds.
Invest in Hybrid Funds

Include balanced advantage or hybrid equity funds.
These funds reduce volatility while offering equity-like returns.
Consider Equity-Linked Savings Scheme (ELSS)

Invest in ELSS for tax-saving benefits under Section 80C.
ELSS funds also offer long-term growth.
General Recommendations
Review Insurance Policy

Assess if the LIC policy offers adequate life coverage.
If it is a traditional endowment or ULIP, consider surrendering.
Reallocate proceeds to mutual funds for better returns.
Maintain Emergency Fund

Keep 6–12 months’ expenses in a savings account or liquid funds.
This ensures you have liquidity for unforeseen expenses.
Monitor and Rebalance Portfolio

Review your portfolio quarterly or semi-annually.
Rebalance to maintain alignment with your goals.
Focus on Tax Efficiency

Use tax-efficient instruments like ELSS, debt funds, and retirement-focused funds.
Plan withdrawals strategically to reduce tax impact on capital gains.
Retirement Planning Recommendations
Systematic Withdrawal Plan (SWP)

In the future, use SWP from mutual funds for retirement income.
It provides tax efficiency compared to traditional annuities.
Healthcare Planning

Ensure your health insurance coverage is adequate for post-retirement needs.
Increase coverage if necessary to avoid financial strain later.
Invest in Equity for Growth

Continue investing in equities for long-term wealth appreciation.
Equity helps combat inflation effectively over the years.
Final Insights
Your investment portfolio is commendable and diversified. However, some adjustments can improve alignment with your goals. Reduce sectoral exposure and shift towards safer instruments for short-term needs. For retirement, continue SIPs in diversified equity and hybrid funds. Regular monitoring and rebalancing will keep your financial plan on track. With these changes, you can achieve your goals while ensuring a comfortable and self-sufficient retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |9650 Answers  |Ask -

Career Counsellor - Answered on Jul 29, 2025

Career
Is joining Jaypee guna for btech cse worth it or not
Ans: Vibhuti, Jaypee University of Engineering and Technology (JUET) Guna, accredited with NAAC ‘A+’ and recognized by UGC and AICTE, delivers a well-structured B.Tech CSE program on a 100-acre campus featuring modern hostels, high-speed connectivity, extensive labs, dedicated faculty (90% with PhDs from renowned institutes), and strong student-centric support systems. Placement rates for CSE consistently lie between 90% and 96% over the past three years, with leading recruiters like Amazon, Infosys, TCS, Capgemini, and Wipro offering diverse roles; top campus packages can be very high, though most offers are at the 5–7 LPA range, and the placement process is generally smooth. The infrastructure is frequently praised for its contemporary classrooms, green campus, and robust amenities—including a 24/7 library, gyms, and strong security. Students highlight an active, fun campus life and regular opportunities for internships, while also noting the academic environment as structured but not overly intense, making it suitable for average learners seeking guided growth. Among experiences, some mention that while the bulk of placements are from mass recruiters, competitive students with strong skills benefit most, and those less proactive may need to depend on off-campus job searches. Hostel and mess quality meet expectations, with limited complaints overall. Slight drawbacks cited include relative geographic isolation (which affects daily commuting for day scholars) and less global visibility compared to tier-1 engineering colleges, though industry exposure on campus is robust. All five institutional essentials—national accreditation, qualified faculty, modern infrastructure, active placement cell, and comprehensive student support—are well addressed, making CSE at Jaypee Guna an attractive, value-for-money option within the private engineering sector.

RECOMMENDATION: Jaypee Guna is a solid choice for B.Tech CSE, owing to its consistent 90–96% placement rates, A+ accreditation, experienced faculty, advanced facilities, and supportive campus environment. It is well suited for students seeking quality education and reliable placements, provided they remain engaged and proactive during their degree. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9650 Answers  |Ask -

Career Counsellor - Answered on Jul 29, 2025

Career
Sir, my son with CLR 41700 i Gen Category for CSE(Cyber Security) at IIIT Kalyani WB in JoSSS. He may get Kurnool and Sonipat. He has been alloted seat in CSE ( AI& ML) in Nirma University. Pl advise what to do. We already have registered imfor CSAB. Chirag R Patel
Ans: Chirag Sir, Your son’s options—CSE (Cyber Security) at IIIT Kalyani, potential CSE offers from IIIT Kurnool and IIIT Sonepat, and confirmed CSE (AI & ML) at Nirma University—each come with distinct advantages and considerations. IIIT Kalyani, established in 2014 and an Institute of National Importance, has rapidly built a reputation in IT education, especially in next-generation fields like cyber security. The latest data indicate an 89.33% placement rate for B.Tech CSE in 2024, with an average package of ?10.72 LPA and strong industry ties to top recruiters. The campus offers solid infrastructure, adaptive curriculum, and an emerging alumni network. IIIT Kurnool, a newer IIIT, posts placement rates in the 59–68% range for CSE, with average packages roughly ?8–10.8 LPA. It offers a research-led environment and industry engagement, but its relative institutional youth results in fewer recruiters and a nascent peer/alumni network. IIIT Sonepat, also government-recognized, recorded a 70.7–81.6% CSE placement rate recently, with average packages near ?14 LPA and recruiters including Amazon, Microsoft, and prominent startups. However, students report variation in infrastructure and placement consistency as the institute is still growing. Nirma University’s Institute of Technology, reputed as a private leader with NAAC A+ and NBA-accredited courses, posts an impressive 90–96% CSE placement rate, a well-established alumni base, and robust average packages (?8–10 LPA). The AI & ML CSE program is industry-focused, the faculty is predominantly PhD-qualified with solid teaching reviews, and campus facilities are modern and student-friendly, with strong internship culture and high conversion of internships to pre-placement offers. All four institutions meet critical priorities of accreditation, qualified faculty, infrastructure, curriculum innovation, and professional placement mechanisms. The CSAB counseling process remains highly relevant—if your son seeks further rounds at core NITs, top IIITs, or premium state instititutes, it is prudent to keep those options open, as seat movement is common in the special rounds.

RECOMMENDATION: In order of preference, IIIT Kalyani CSE (Cyber Security) is the top choice for its excellent placement rate, specialized track, and growing reputation in information security, followed by Nirma University CSE (AI & ML) for its superior placement consistency, alumni network, and modern campus. IIIT Sonepat and IIIT Kurnool are solid options if you strongly prefer Institutes of National Importance and remain flexible about location and placement variability. Continue with CSAB counseling to maximize chances at higher-preference institutes, but a confirmed seat at IIIT Kalyani or Nirma University stands out as a reliable and future-proof option for a CSE career. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9650 Answers  |Ask -

Career Counsellor - Answered on Jul 29, 2025

Asked by Anonymous - Jul 29, 2025Hindi
Career
Sir DTU me engineering physics kaisa hai? Is it worth doing please bata dijiye
Ans: Engineering Physics at Delhi Technological University (DTU) offers a multidisciplinary, research-driven curriculum that connects core physics concepts with advanced engineering and computational applications. The B.Tech program spans four years with a 240-credit structure, blending classical mechanics, quantum mechanics, photonics, electronics, digital systems, microprocessors, communication systems, and specialized electives such as VLSI and satellite communication. Faculty in the Applied Physics department are highly qualified, with many holding advanced degrees and active research backgrounds, and are supportive of student research interests. DTU's infrastructure is nationally accredited by UGC, NBA, and NAAC, boasting modern labs, large classrooms with smart technology, an extensive library, secure hostels, and excellent sports/medical facilities. Student reviews note the academically rigorous environment, strong peer group, and faculty mentorship, though the engineering physics curriculum is often considered tougher and more theory-intensive compared to other DTU branches.

In terms of placements, 75–80% of DTU Engineering Physics graduates are placed each year, with top recruiters like Google, Microsoft, Amazon, and Tata Consulting Services offering roles in software, analytics, R&D, and applied physics-based industry. The branch reports lower absolute placement numbers than CSE or ECE, as several students choose to pursue master’s degrees or research careers at premier institutions domestically and abroad. Placement cell support is robust for those interested in industry, with inspiring alumni working in high-tech R&D, analytics, finance, and scientific roles at organizations like ISRO, DRDO, and multinational tech firms. About 85% of students secure internships in industry or government labs, ensuring good practical exposure. The five essential institutional attributes—accreditation, dedicated faculty, top-tier infrastructure, industry and research collaboration, and transparent placement mechanisms—are all strongly evident in DTU’s Engineering Physics program.

Overall, DTU's Engineering Physics is best suited for academically curious, concept-driven students targeting careers in R&D, technology consulting, analytics, core engineering, or advanced research, and is a prestigious, future-focused option both for industry and higher studies if you are prepared for its intellectual rigor. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x