I am 42. I started investing in the following funds in SIP for the last 3 years. Presently, i am investing 50,000 per month.

1. Axis small Cap Fund-10000

2. Navi Nifty 50 index Fund-5000

3. Navi NASDAQ 100 Fund of Fund-1000

4. Mirae Asset Large Cap Fund-3000

5. Kotak Flexicap Fund-10000

6. Kotak Emerging equity Fund-5500

7. ICICI Prodential asset allocation fund-2500

8. Navi Nifty Next 50 Index fund-8000

9. SBI Large & Midcap Fund- 5000

My goal for the next 15 years is 5 crores (retirement). Please may give your suggestions whether any changes are required in funds and amount to be invested.

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear that your daughter has completed a minor in Artificial Intelligence (AI) and Machine Learning (ML). I would like to let you know that having completed this course, she could think about pursuing specialized courses abroad in Robotics, Deep Learning, Data Science, or Computer Vision. The USA, the UK, Canada, Australia, and Germany are well-known for providing specialized programs in AI and ML with outstanding educational and employment opportunities. Post completing such courses, your daughter could take up roles such as that of a Data Scientist, Robotics Developer, Machine Learning Engineer, AI Engineer, and Research Scientist. These fields are highly sought-after around the world and offer excellent employment opportunities.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Sunil, Scaler School of Technology, launched in 2023, offers a four-year B.Sc+M.Sc in CS & AI designed by industry leaders, featuring mandatory one-year paid internships and polished AC classrooms with an innovation lab, charging a total fee of ?16.25 Lakh; however, it is not recognized by UGC/AICTE and relies on Scaler Academy’s placement record of 1,300 alumni at an average package of ?20 LPA. Chitkara University (estd 2010) is UGC/AICTE-approved, NAAC A+ and ranked #94 in NIRF 2024, with a 93.8% B.Tech placement rate, a median package of ?9.5 LPA, and top recruiters including Infosys, Amazon, and Deloitte. Graphic Era University (estd 1996) holds NAAC A+ accreditation, engages 250+ recruiters yearly, records a highest package of ?54 LPA and a median of ?6.42 LPA for B.Tech, and provides state-of-the-art labs with PhD faculty. Newton School of Technology (estd 2023) partners with 2,000+ companies, achieves a 98% placement rate with average packages of ?12 LPA and early internship exposure, but lacks formal accreditation and is building its campus ecosystem.

Recommendation: For a fully recognized engineering degree with sustained placement outcomes and strong accreditation, recommendation is Chitkara University. Next in preference is Graphic Era University, offering extensive recruiter engagement and impressive top packages within an established university setting. Newton School of Technology is third, delivering intensive placement support and early paid internships but lacks formal UGC/AICTE accreditation. Scaler School of Technology ranks lowest due to its non-accredited B.Sc+M.Sc model, high fees, and reliance on parent-company placement data. All the BEST for the Admission & a Prosperous Future!

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

Ans: Unnati, With an IAT overall rank of 60,486 and SC category rank of 4,992, admission to any IISER is not possible. The SC closing ranks for IISERs in 2024 and expected 2025 are far lower—typically below 800 for even the newest campuses, and major IISERs close between 200–800 for SC. Your rank is well above these cutoffs, so seat allotment is not feasible.

Recommendation: Apply to central/state university BSc programs or consider NISER/CBS, where SC cutoffs are more flexible and science research opportunities remain strong. All the BEST for the Admission & a Prosperous Future!

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

Ans: With a 94 percentile (≈36,000 rank) in MHT-CET EWS category, she is likely to secure CS/IT/ECE seats at private and government institutes. MIT WPU’s CSE and ECE seats closed at 93–94 and 89 percentile respectively. VIIT Pune’s CSE cutoff for EWS was 85.54 percentile. Sinhgad Academy of Engineering’s CSE home-state closing rank was 29,465–29,475 (≈94 percentile). Government College of Engineering & Research Avasari Khurd ECE EWS cutoff ranged 83.47–87.66. All these colleges hold NBA/NAAC accreditation, modern labs, and achieve 80–95% placements, offering strong academic and industry exposure.

Recommendation: Considering both placement potential and academic rigor, she should prioritise MIT WPU CSE for its balanced cutoff and infrastructure, followed by VIIT Pune CSE for excellent EWS seat accessibility, and Sinhgad Academy CSE as a cost-effective government-backed option; during CAP rounds, monitor these choices to secure a preferred seat. All the BEST for the Admission & a Prosperous Future!

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

Ans: Kushal, With a KCET rank of 29,439, you can secure admission in Artificial Intelligence and Data Science at several mid-tier Karnataka colleges. Top institutes like RVCE, BMSCE, MSRIT, and PES have much lower cutoffs (typically below 15,000 for AI/ML), but colleges such as Global Academy of Technology (2024 AI & Data Science cutoff: 35,999), DSATM (cutoff: ~31,273), and K.S. School of Engineering and Management (cutoff: 61,939–78,624) are within reach. Other options include Presidency University, Dayananda Sagar College of Engineering, and Reva University, where AI/Data Science cutoffs frequently extend beyond 25,000–40,000. Placement rates in these colleges for AI/Data Science branches are typically 50–80%, with growing industry demand, modern labs, and active campus recruitment.

Recommendation:
Participate in KCET counselling and prioritize Global Academy of Technology, DSATM, and K.S. School of Engineering and Management for AI & Data Science. These institutes match your rank, offer solid infrastructure, and maintain good placement support in AI fields. Fill all possible options to maximize your admission chances. All the BEST for the Admission & a Prosperous Future!

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

Ans: Yadvinder, NIT Jalandhar’s B.Tech in Electrical Engineering is a public, AICTE-approved program ranked #58 in NIRF 2024, featuring state-of-the-art power systems and electronics labs, strong industry ties with Microsoft, Google, and Zscaler, and consistent 90–95% branch placements over the past three years. Punjab Engineering College Chandigarh EE is a government institute with rigorous core EE curriculum, dedicated electronics and power labs, and a placement record of 94%, 100%, and 85% in the last three years. Thapar University’s NAAC A+ accredited EE program (#29 NIRF Engineering) offers advanced smart grid, real-time systems, and analytics labs, research-active PhD faculty, recruiters like Optum and American Express, and ~85–90% placements. UIET Panjab University CSE, established 2002, benefits from Panjab University accreditation, a digital library, technical clubs, over 100 campus recruiters (Cisco, ServiceNow, ZS Associates), and CSE placement rates of 96.3%, 66.7%, and 78.4% over the past three years. All options have robust infrastructure, experienced faculty, and active placement cells.

Recommendation:
Prioritize NIT Jalandhar EE for its superior NIRF ranking, stable ~90% placements, and top recruiter engagement. Consider Thapar EE for advanced research labs and strong employer outreach. Opt for UIET CSE if software roles are the goal, and choose PEC EE for a cost-effective public university experience. All the BEST for the Admission & a Prosperous Future!

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

Ans: Krishna, With an IAT overall rank of 16,000 and EWS rank of 1,240, admission to any IISER is not possible. EWS closing ranks for IISERs in 2024 and the expected 2025 cutoffs are well below 800–900 for even the newest campuses, with most closing between 200–800. Your EWS rank is significantly above these cutoffs, so seat allotment is not feasible.

Recommendation:
Explore BSc programs at central/state universities, NISER, or Private Colleges where research prospects remain strong. All the BEST for the Admission & a Prosperous Future!

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

Ans: Both MNNIT Allahabad and NIT Rourkela are top-tier NITs with strong Electrical Engineering programs, excellent faculty, and high national rankings. MNNIT Allahabad’s Electrical Engineering boasts a 96.97% placement rate in 2024, with an average package of ?8.01 LPA and top recruiters from core engineering, software, and consulting sectors. Its faculty is highly qualified, with a focus on electrical and power systems. NIT Rourkela, ranked #19 in NIRF 2024, offers a broader research ecosystem, cutting-edge labs, and a 95%+ placement rate in Electrical Engineering, with an average package of ?13.62 LPA and top tech recruiters like Amazon, Google, Microsoft, and Qualcomm. Infrastructure at NIT Rourkela is excellent, with modern hostels, sports, and a vibrant campus life. Both institutes have strong industry connections, but NIT Rourkela offers a higher average package, broader recruiter base, and more interdisciplinary research opportunities.

Recommendation:
NIT Rourkela Electrical Engineering is the better choice for its higher average package, broader research and recruiter base, and outstanding infrastructure. MNNIT Allahabad remains an excellent option for its high placement rate and strong academic reputation, but NIT Rourkela offers a more competitive edge overall.

Jp noida ece vs jp. Solan cse???? Research deeply & thoroughly the maximum number of highly reliable, valid, primary sources & also the official sources of concerned/relevant college sites/branches & exams (if applicable) on the 5 most important aspects that every institution must have. Summarise the research results in 100 words just in one paragraph ending with a final recommendation in 50 words without numbering, covering all points without omitting anything.

Avoid using the statement, "Based on extensive research into placement records and institutional performance". Avoid using the term, 'my suggestion' instead, use 'recommendation'(mentioned in bold letter). Answer directly.

Don't mention salary package amounts though you can mention the percentage of placement records of the last 3 years of the asked or referred & recommended colleges/branches/program(s)??
Jp noida ece vs jp. Solan cse???? Research deeply & thoroughly the maximum number of highly reliable, valid, primary sources & also the official sources of concerned/relevant college sites/branches & exams (if applicable) on the 5 most important aspects that every institution must have. Summarise the research results in 100 words just in one paragraph ending with a final recommendation in 50 words without numbering, covering all points without omitting anything. Avoid using the statement, "Based on extensive research into placement records and institutional performance". Avoid using the term, 'my suggestion' instead, use 'recommendation'(mentioned in bold letter). Answer directly. Don't mention salary package amounts though you can mention the percentage of placement records of the last 3 years of the asked or referred & recommended colleges/branches/program(s)??
Jaypee Noida’s ECE program is AICTE-approved, industry-oriented, and features strong VLSI, embedded, and communication systems labs, with a 4-year B.Tech intake of 240 and a robust placement cell. In 2024, ECE achieved an 88% placement rate, with 188 offers for 184 eligible students, and top recruiters including Microsoft, LinkedIn, Cisco, Amazon, SAP Labs, and Intel. The average package for all branches was ?8.71 LPA, with a median of ?6.5 LPA. The campus offers modern infrastructure, experienced faculty, and a vibrant technical culture with IEEE student chapters and annual fests. Jaypee Solan’s CSE program, while set in a scenic 125-acre campus, reports a median package of ?6.5 LPA, with 259 out of 388 students placed in 2024 and 99 opting for higher studies. The CSE branch attracts core IT recruiters but overall placement numbers and recruiter diversity are lower than Noida. Solan’s academic and technical environment is positive, but industry exposure, recruiter presence, and placement consistency are comparatively limited.

Recommendation:
Jaypee Noida ECE is preferable for its higher placement rate, stronger recruiter base, advanced labs, and proximity to Delhi NCR’s tech ecosystem. Jaypee Solan CSE is a good backup, but Jaypee Noida offers better long-term industry exposure and placement consistency. Choose Noida ECE for broader career prospects. All the BEST for the Admission & a Prosperous Future!

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

Ans: Indu Madam, Both MNNIT Allahabad and NIT Rourkela are top-tier NITs with strong Electrical Engineering programs, excellent faculty, and high national rankings. MNNIT Allahabad’s Electrical Engineering boasts a 96.97% placement rate in 2024, with an average package of ?8.01 LPA and top recruiters from core engineering, software, and consulting sectors. Its faculty is highly qualified, with a focus on electrical and power systems. NIT Rourkela, ranked #19 in NIRF 2024, offers a broader research ecosystem, cutting-edge labs, and a 95%+ placement rate in Electrical Engineering, with an average package of ?13.62 LPA and top tech recruiters like Amazon, Google, Microsoft, and Qualcomm. Infrastructure at NIT Rourkela is excellent, with modern hostels, sports, and a vibrant campus life. Both institutes have strong industry connections, but NIT Rourkela offers a higher average package, broader recruiter base, and more interdisciplinary research opportunities.

Recommendation:
NIT Rourkela Electrical Engineering is the better choice for its higher average package, broader research and recruiter base, and outstanding infrastructure. MNNIT Allahabad remains an excellent option for its high placement rate and strong academic reputation, but NIT Rourkela offers a more competitive edge overall. All the BEST for the Admission & a Prosperous Future!

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