I am 43 years old.

I am a government employee and do not have much bank balance.

I want to create wealth of Rs 1 cr in 17 years as a part of my retirement benefit.

At present, I am investing a total of Rs 5,600/month in these SIPs.

Mutual Funds	Plan type	Amount
1. Axis ESG Equity Fund	Growth	Rs 1,000/month
2. Axis MF Bluechip Fund	Growth	Rs 500/month
3. Axis Midcap Fund	Growth	Rs 500/month
4. UTI Small Cap Fund	Growth	Rs 1,000/month
5. UTI Flexi Cap Fund	Growth	Rs 500/month
6. PGIM India Flexi Cap Fund	Direct, growth	Rs 600/month
7. Principal Focused Multicap Fund	Growth	Rs 500/month
8. Aditya Birla Sun Life ESG Fund	Growth	Rs 500/month
9. DSP Quant Fund	Growth	Rs 500/month

Please tell me whether the funds I chose are the right ones to provide wealth in the long term.

Ans: Hi!!
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Ans: Piyush, An OBC-NCL candidate with an IAT rank of 2900 falls beyond typical IISER OBC-NCL closing ranks for 2025, which generally end near 2400–2500 across participating institutes. Securing admission via the IAT channel is therefore improbable. Try alternate options. All the BEST for Admission & a Prosperous Future!

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Ans: Javin, B.Sc. Computer Science is a three-year, theory-driven program emphasizing algorithms, computation theory and foundational mathematics, suited for research, data analysis or academic roles, whereas B.Tech. in Computer Science & Engineering spans four years with a balanced mix of hardware, software and engineering fundamentals, offering intensive lab work, industry internships, and project-based learning that prepare graduates for system design, software development and emerging technology roles. Both degrees can lead to software engineering, data science, and cybersecurity careers, but B.Tech. holders often access core engineering positions and higher placement rates, while B.Sc. graduates may pivot more readily into research-oriented master’s or academic tracks. Considering SRM University Delhi-NCR Sonepat for B.Tech. CSE, the programme is delivered in a NAAC-accredited institution with over 315 recruiters visiting annually and a 95 percent placement consistency, supported by modern computing labs and structured career services. For planned MSc studies abroad, admissions typically require a four-year engineering or science degree with substantial computer-science content, a competitive GRE score (if required), proof of English proficiency (IELTS/TOEFL) and strong academic references; B.Tech. CSE aligns smoothly with these criteria, ensuring eligibility and facilitating conversion to research-focused master’s programmes.

Recommendation:
Opt for B.Tech. CSE at SRM Sonepat to benefit from industry-aligned curriculum, high placement consistency and robust lab exposure, then pursue an MSc abroad leveraging the recognised four-year engineering degree, structured admissions prerequisites and extensive global opportunities in advanced computing and research. All the BEST for Admission & a Prosperous Future!

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Ans: Hi!!
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Ans: Lovely Professional University’s doctoral programme in Pharmacology operates within a NAAC-accredited private university that administers its own LPUNEST entrance test and offers substantial scholarship support based on merit . The three-year full-time curriculum encompasses core research methodology, publication ethics and advanced electives, supplemented by interdisciplinary minors and industry-interface modules that facilitate collaborations with pharmaceutical companies. Research scholars benefit from well-equipped pre-clinical and clinical evaluation laboratories, a centralized animal house and access to LPU’s Centre for Biomedical Research. A robust placement pathway connects candidates to roles in drug safety, pharmacovigilance and regulatory affairs, leveraging the university’s corporate partnerships and regular campus recruitment drives. Despite its relative youth, LPU maintains a dedicated Career Development Centre and reports a consistent placement rate for life-sciences graduates through structured internship pipelines and research-fellowship opportunities .

JSS College of Pharmacy, Ooty, established in 1980 and part of JSS Academy of Higher Education & Research, stands among the top five pharmacy institutions nationally, holding NAAC A+ accreditation and a #4 NIRF pharmacy ranking . Its Department of Pharmacology—active since 1988—provides doctoral candidates with specialized training in pharmacology and toxicology tracks, supported by CSIR-, DBT- and AICTE-funded research projects worth over ?3 crore. The college features a CPCSEA-approved centralized animal house, advanced instrumentation (FT-IR, microwave synthesizer, molecular modeling suites) and round-the-clock research facilities. Extensive MoUs with leading R&D organizations and a NABL-accredited drug-testing laboratory underpin strong industry linkages, while its placement cell sustains an over 80% placement consistency for postgraduate and doctoral scholars, facilitating roles in academia, regulatory bodies, and pharmaceutical R&D .

Recommendation:
For a well-established research environment with extensive funding, high national ranking, and deep industry connections in pharmacological sciences, JSS College of Pharmacy, Ooty offers the stronger platform. However, if scholarship opportunities, interdisciplinary minors, and a growing placement infrastructure are priorities, Lovely Professional University remains a compelling alternative. All the BEST for Admission & a Prosperous Future!

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Ans: HI
1. CSE
2. ECE
BEST WISHES.

Ans: HI,
It is very difficult to secure a seat.
ALL THE BEST.

Ans: HI,
A bit difficult. You can try at a private medical college under management quota. To know the updates, kindly participate in the counseling process.
BEST WISHES.

Ans: VJTI Mumbai’s B.Tech in Information Technology operates within a historic, NAAC A-accredited government institute, supported by experienced faculty, modern software and networking labs, an 82 percent overall placement rate (85 percent for IT) over the past three years and strong industry partnerships with leading IT firms. It requires 10+2 with PCM and English and selection via MHT-CET cutoff and counselling. In contrast, BITS Hyderabad’s five-year Integrated M.Sc.(Hons.) in Chemistry + B.E. programme admits students through BITSAT (75 percent aggregate in 10+2 and minimum 60 percent in PCM), immerses them in advanced chemistry and engineering curricula, and allows conversion to the dual degree after the first year based on top-tier CGPA performance; Group C admits may pursue any dual degree within specified limits. Graduates benefit from practice school training, interdisciplinary research projects and placement consistency around 80 percent in chemical and engineering streams. Risks include rigorous workload during dual-degree years, competitive CGPA criteria for continuation and potential difficulty shifting back if performance thresholds are not met.

Recommendation:
For a clear, focused start in a high-placement IT domain with defined eligibility and minimal academic risk, choose VJTI B.Tech IT. Opt for BITS Hyderabad M.Sc. Chemistry + B.Tech if your son seeks a research-integrated, multidisciplinary pathway and excels under high academic rigor with dual-degree ambitions. All the BEST for Admission & a Prosperous Future!

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