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Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 18, 2022

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Anurag Question by Anurag on Feb 18, 2022Hindi
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I am 43 years old. I making following investments in Mutual Funds:-

  • Mirae Asset Large Cap Fund Regular Plan Growth 2500/- PM
  • Axis Focused 25 Fund Growth 5000/- PM
  • Axis Blue chip FundGrowth 2500/- PM
  • Kotak Flexi Cap Fund Regular Plan Growth 2500/- PM
  • ICICI Prudential Blue chip Fund Growth 2500/- PM
  • Motilal Oswal Flexi Cap Fund-Growth 2500/- PM
  • Nippon India Small Cap Fund-Growth 2500/- PM
  • ICICI Pru Life Time Classic 5000/- PM
  • ICICI Pru Signature 150000/- PA
  • ICICI Pru Savings 100000/- PA
  • HDFC Life ProGrowth Plus 30000/- PA

Please advise changes in above portfolio if required. I want to build a corpus of Rs 3-5 crore in next 10-15 years.

Ans: To build a corpus, Equity funds are suitable and Insurance should be used for life protection and cover

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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I am 49 years old and doing MF since 2009 staring with small amount 2000/- pm. Last year i shuffle the portfolio last year. I have following investment in mutual fund 1. parag parik Flexi cap fund - reg gr 5000/- 2. Canara robeco bluechief equity fund gr 5000/- 3. Invesco india infra structure fund 5000/- 4. Quant small cap fund 5000/- I want to create corpus of 2 cr in next 10 years Currently my portfolio value is around 31 L.
Ans: At 49 years of age, you have a solid plan for the next 10 years, aiming to accumulate Rs 2 crores. While this is achievable, let's assess your current investments and how we can optimize them to help you reach your target with a well-balanced and structured approach.

Current Assessment of Your Portfolio
Parag Parikh Flexi Cap Fund: A Flexi Cap fund offers flexibility to invest across market caps. This provides diversification but may be subject to market fluctuations. While it has potential for long-term growth, it may not always outperform focused funds.

Canara Robeco Bluechip Equity Fund: Bluechip funds generally invest in large, established companies. These are relatively safer but may not give extraordinary returns compared to mid or small-cap funds.

Invesco India Infrastructure Fund: Infrastructure sector funds can have high growth potential. However, they are cyclical and may face volatility, especially during economic downturns.

Quant Small Cap Fund: Small-cap funds come with higher risk but can deliver significant returns. They are suitable if you have a high-risk appetite, but they require monitoring for volatility.

With a current portfolio value of Rs 31 lakhs, achieving Rs 2 crore in 10 years will require a balanced approach, with a mix of growth-oriented and stable investments.

Analytical Approach
Growth Potential of Your Current Funds
Your current funds cover a range of categories: Flexi Cap, Bluechip, Infrastructure, and Small Cap. While they provide diversification, there are certain risks, especially in sectoral and small-cap investments. Here's an analysis:

Flexi Cap Funds: These funds allow fund managers to shift between large, mid, and small-cap stocks depending on market conditions. This flexibility can enhance returns but may also expose you to greater risks if the market turns volatile. Consider whether you want to retain this flexibility or prefer a more focused investment approach.

Bluechip Funds: These large-cap investments offer stability. Since you have a long-term horizon, Bluechip funds can be a cornerstone of your portfolio, providing steady growth with lower risk. However, they may not deliver returns as high as mid or small-cap funds over the same period.

Sector-Specific Funds: Your investment in infrastructure is cyclical and dependent on the economy and government policies. While it can generate high returns during periods of infrastructure growth, it is more volatile compared to diversified funds.

Small Cap Funds: These funds have higher potential returns but also higher risks. They can be a good choice if you are prepared for short-term volatility.

Evaluating Portfolio Balance and Risk
Your portfolio appears to lean toward higher-risk investments, especially with exposure to small-cap and sectoral funds. While this strategy can lead to higher returns, it may expose you to considerable volatility. Given your age and the importance of preserving capital closer to retirement, you may want to rebalance your portfolio to include more stable investments.

We recommend the following adjustments:

Steps for Portfolio Optimization
Diversification to Manage Risk
Increase Large Cap Exposure: Large-cap funds are more stable and can provide consistent returns over time. Since you have a Bluechip fund, consider increasing your allocation to large-cap investments, which may help balance out the volatility from your small-cap and sectoral funds.

Limit Sectoral Exposure: While the infrastructure sector has growth potential, it's also vulnerable to cyclical downturns. Consider reducing your exposure to sector-specific funds to avoid the risk of underperformance during economic downturns.

Balanced or Hybrid Funds: Hybrid funds, which invest in both equity and debt, can offer a mix of growth and stability. Adding a balanced fund to your portfolio may help reduce volatility while still allowing you to benefit from equity growth.

Reevaluate Small Cap Allocation
Small-cap funds can offer high returns but are also highly volatile. At 49, your risk tolerance may need to shift slightly toward more stable investments. You may want to limit your exposure to small-cap funds to 15-20% of your total portfolio. You could consider moving part of your small-cap allocation into mid-cap or multi-cap funds for a more balanced risk-return profile.

Consistent SIPs and Top-Ups
You are currently investing Rs 20,000 per month through SIPs. This is a good strategy to average out market volatility and stay disciplined with your investments.

Consider Increasing Your SIP Amount: If possible, increase your SIPs gradually every year. Even a small annual increase in your investment can significantly enhance your corpus over the next 10 years.

Top-Up SIPs During Market Corrections: Take advantage of market downturns by making lump sum investments or increasing your SIP during these times. This will allow you to buy more units at lower prices, boosting your overall returns.

Long-Term Focus and Active Monitoring
Given that you are 10 years away from your goal, it's important to maintain a long-term focus while regularly reviewing your portfolio:

Review Performance Annually: Keep track of how your funds are performing. If any of your funds consistently underperform their benchmark or peers, consider switching to better-performing funds after consulting a Certified Financial Planner.

Avoid Frequent Portfolio Changes: While it's essential to monitor performance, avoid the temptation to make frequent changes based on short-term market movements. Stick to your plan unless there is a fundamental reason to alter your investments.

Importance of Actively Managed Funds
You have been investing through a regular plan, which is good as it allows you access to the expertise of a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. Let's understand the benefits of regular funds over direct funds:

Expert Advice: Regular funds give you access to professional advice. Your Certified Financial Planner can help you make informed decisions, especially when market conditions change or when your goals evolve.

Active Management: Actively managed funds tend to outperform passive investments, such as index funds, in volatile markets. Your planner will ensure your portfolio is in line with your risk tolerance and long-term goals.

Avoid Direct Funds
While direct funds may seem attractive due to lower expenses, they lack professional guidance. Managing a portfolio on your own requires significant time and knowledge. Given your 10-year goal, regular funds with the support of a planner are a more efficient way to optimize returns and manage risks.

Disadvantages of Index Funds
Index funds might not suit your goal of accumulating Rs 2 crore in 10 years. They mirror the market and lack the ability to outperform. Actively managed funds, on the other hand, aim to outperform the market. You are already investing in actively managed funds, which have the potential for better returns, especially in a growing economy like India.

Creating an Emergency Fund
Before making any changes to your portfolio, ensure you have a solid emergency fund. This should be 6-12 months of your monthly expenses. It will act as a financial cushion in case of unexpected events, allowing you to stay on course with your investments without liquidating them prematurely.

Estate Planning and Insurance Review
At 49, it's also essential to consider estate planning. Ensure that you have nominated beneficiaries for your investments and that your will is updated.

Additionally, review your insurance coverage:

Health Insurance: Make sure you have adequate health coverage for yourself and your dependents. Medical expenses can erode your savings, especially as you get older.

Life Insurance: Ensure you have sufficient life insurance coverage to protect your family’s financial future. Term insurance is the most cost-effective option for providing a large cover.

Final Insights
Achieving a corpus of Rs 2 crore in 10 years is possible with a well-thought-out strategy. Your current portfolio is diversified, but it leans toward higher-risk investments. By rebalancing your portfolio to include more stable large-cap and hybrid funds, increasing your SIP contributions, and staying focused on long-term growth, you can optimize your chances of meeting your goal.

Regular monitoring and guidance from your Certified Financial Planner will ensure that your portfolio stays aligned with your risk tolerance and financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
Instagram: https://www.instagram.com/holistic_investment_planners/

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Ramalingam

Ramalingam Kalirajan  |9277 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 22, 2024

Money
I am 49 years old and doing MF since 2009 staring with small amount 2000/- pm. Last year i shuffle the portfolio last year. I have following investment in mutual fund 1. parag parik Flexi cap fund - reg gr 5000/- 2. Canara robeco bluechief equity fund gr 5000/- 3. Invesco india infra structure fund 5000/- 4. Quant small cap fund 5000/- 5. PGIM midcap oppotunies fund gr 5000/- I want to create corpus of 2 cr in next 10 years Currently my portfolio value is around 31 L.
Ans: Value funds are a great option for many investors. They invest in undervalued companies with strong potential for future growth. These funds target businesses that may not be performing well now, but have the capacity to grow in the future. This makes them a good choice if you have a long-term horizon and the ability to tolerate volatility.

A key feature of value funds is that they can outperform during certain market phases. However, during other phases, they may underperform compared to other equity funds like growth funds or flexi-cap funds.

Assessing Long-term Returns
Although your current fund may be delivering 30% XIRR, this is not sustainable in the long run. Market conditions fluctuate, and value funds can see significant ups and downs. Historically, the long-term average return for equity funds is between 10-12%. This will vary depending on market cycles, and it’s crucial to consider this when evaluating the performance of your fund.

So, while the current returns look appealing, they should be viewed as part of a larger trend over time. A key insight here is that investing in equity always comes with volatility. Don’t get caught up in short-term gains; instead, focus on the long-term growth potential.

Value Funds vs. Other Equity Funds
Value funds are one part of the equity category, and they have a specific strategy. But compared to growth funds or flexi-cap funds, value funds can be more volatile in the short run.

In growth funds, investments are made in companies expected to grow faster than the market. They can provide better short-term performance during a bullish phase. Flexi-cap funds, on the other hand, balance risk by investing across large, mid, and small-cap companies. This makes them more flexible and diversified.

While value funds have the potential for higher returns, they may also see more volatility. Other equity funds might provide a smoother ride, albeit with possibly lower highs during market rallies.

Active Funds vs. Index Funds
It is worth noting the difference between active value funds and index funds. Index funds are passively managed and follow the market's movement. They don't aim to outperform but to match a particular benchmark. This means they may offer lower returns compared to actively managed funds, where the fund manager picks stocks based on market conditions and strategies.

One of the disadvantages of index funds is that they cannot react to market changes. If a particular sector is underperforming, index funds will still be forced to hold those stocks, while an active fund manager can make adjustments to avoid losses.

So, in your case, actively managed funds, especially in the value space, can provide better returns with professional management.

Direct vs. Regular Funds
If you are investing through direct funds, you might want to consider the benefits of switching to regular funds through a Certified Financial Planner. Direct funds have lower expense ratios, but that comes with fewer insights and advice. A Certified Financial Planner can guide you through market cycles and help rebalance your portfolio.

A good MFD with a CFP credential will actively monitor and suggest changes in your investments based on changing market conditions. This advice and regular tracking help in making better financial decisions compared to direct funds.

Setting Up an STP for Better Risk Management
Systematic Transfer Plans (STPs) can be a smart option for managing risk. If you're experiencing a windfall in returns, an STP allows you to move your money into a safer option gradually.

Instead of pulling out everything and trying to time the market, an STP can help you balance between high-risk and low-risk investments. You can shift from a value fund into something more stable like a balanced fund or debt fund over time.

This approach can lock in your profits while giving you a more stable future return.

However, an STP is not necessary for everyone. If your goal is long-term, and you can handle market fluctuations, then staying invested in the value fund may be more beneficial. Equity funds reward patience. You should only consider an STP if you're nearing a financial goal or require more liquidity.

Risk Assessment of Value Funds
Every equity fund comes with risk, but value funds can be more volatile. They often invest in companies going through temporary troubles but with strong fundamentals. The risk here is that not all of these companies will recover quickly.

In good times, value funds can outperform the market. But when the economy slows, these funds may underperform. This makes them ideal for long-term investors who are willing to ride out market swings. If you are comfortable with this level of risk, then value funds are still a good option.

The Impact of Volatility
Volatility is a part of investing in value funds. High returns like the 30% XIRR you are seeing now may not last. But even if they drop, the core potential of value funds remains strong. Over a 10 to 15-year period, the return could stabilize around 12% CAGR, which is still healthy.

It is essential to have realistic expectations when investing in these funds. Don't let short-term gains make you overly optimistic or lead you to increase your risk unnecessarily.

Should You Continue Investing in Value Funds?
If your investment horizon is long-term, value funds can still play a crucial role in your portfolio. You should, however, ensure that you are diversified across other fund types to spread your risk. A Certified Financial Planner can help in assessing whether you need to rebalance your investments.

In general, staying invested in value funds is not wrong. They offer great potential for wealth creation but come with volatility. You just need to ensure you’re not overexposed to one fund type.

Final Insights
A 30% XIRR from a value fund is impressive but temporary. Over time, expect returns to normalize around 12% with volatility.

Diversifying across other equity funds can reduce your overall risk. If you’re uncomfortable with the current volatility, consider setting up an STP. But if your goal is long-term, staying invested in the value fund could still yield strong results. Always seek advice from a Certified Financial Planner to ensure you are on the right track.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
Instagram: https://www.instagram.com/holistic_investment_planners/

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Ramalingam

Ramalingam Kalirajan  |9277 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 16, 2024

Money
Sir I have been investing in mutual funds for the last 5 years. Now the corpus is around 5.5 lakhs . I have the following funds in my portfolio. Please asses my portfolio or need switch. 1. Nippon india large cap fund 2000 2. Mirae asset large cap 3000 3.Axis elss tax saver 1000 4. Kotak elss tax saver 1000 5. Axis Blue chip fund 6. Jm flexi cap fund 2200 7. Motilal oswal mid cap 2000 8. Axis mid cap 1000 9. Icici prudential passive multi asset for regular growth one time amount 5000 . 10.Sbi contra fund 2000 Sir i need to build a corpus of 1.5 crore in next 12 years. My age is now 38. Please review .
Ans: You have built a diversified portfolio with a combination of large-cap, mid-cap, ELSS, and flexi-cap funds. Each fund serves a specific purpose, but a review will help optimize your investments to meet your goal of Rs. 1.5 crore in 12 years. Let’s assess each category.

Large-Cap Funds
Nippon India Large Cap Fund – Rs. 2,000 per month

Mirae Asset Large Cap Fund – Rs. 3,000 per month

Axis Bluechip Fund

These funds focus on large-cap companies, offering stable growth but with relatively lower risk. While having multiple large-cap funds ensures stability, it may lead to overlap in the portfolio. You can consider consolidating them into 1 or 2 funds to reduce redundancy. Mirae Asset and Axis Bluechip are solid options for continued long-term investments.

ELSS Funds
Axis ELSS Tax Saver – Rs. 1,000 per month

Kotak ELSS Tax Saver – Rs. 1,000 per month

ELSS funds offer tax benefits under Section 80C. However, having two ELSS funds for Rs. 2,000 might not be necessary. You can choose the one with consistent performance and focus your ELSS investment there. Axis ELSS has performed well historically, but assess both before making a decision.

Mid-Cap Funds
Motilal Oswal Mid Cap – Rs. 2,000 per month

Axis Mid Cap – Rs. 1,000 per month

Mid-cap funds offer higher growth potential than large-cap funds, but with more risk. Holding two mid-cap funds is a balanced strategy, but since the Axis Mid Cap has been consistently strong, you can consider increasing your SIP here. Motilal Oswal Mid Cap is a good performer but may need to be watched for volatility.

Flexi-Cap Funds
JM Flexi Cap Fund – Rs. 2,200 per month
Flexi-cap funds give fund managers the flexibility to invest across market capitalizations, reducing concentration risk. This fund provides good diversification. Review its performance regularly, as flexi-cap funds can vary in returns based on market conditions.

Passive Multi-Asset Fund
ICICI Prudential Passive Multi-Asset Fund (One-time investment of Rs. 5,000)
This fund combines equity, debt, and gold to balance risk. While passive funds reduce the need for active monitoring, they may not provide the same growth potential as actively managed funds. Actively managed funds tend to perform better in dynamic markets, which could better align with your long-term goal of wealth creation.

Contra Fund
SBI Contra Fund – Rs. 2,000 per month
Contra funds follow a contrarian investment strategy, buying when others are selling. While this can provide significant gains during market recovery, contra funds may experience long periods of underperformance during market booms. It's a high-risk option that may not suit every portfolio. Regularly review its performance to ensure it fits with your investment goals.

Suggestions for Improvement
Consolidate Funds: You have multiple large-cap and ELSS funds. Streamline to 1 or 2 per category to reduce overlap and improve focus. A well-performing large-cap fund and one ELSS should suffice.

Increase SIP in High-Growth Funds: Focus more on mid-cap and flexi-cap funds, as they have higher growth potential. Increase your SIP in Axis Mid Cap and JM Flexi Cap, as they can boost your returns over the long term.

Review Contra and Passive Fund: SBI Contra and ICICI Passive Multi-Asset may not align with your goal of aggressive wealth creation. Consider switching to funds with more aggressive growth profiles, like a focused equity fund or a small-cap fund, to maximize potential returns.

Building a Rs. 1.5 Crore Corpus
To achieve your goal of Rs. 1.5 crore in 12 years, you'll need to invest aggressively. Based on your current portfolio, the estimated return would range between 10-12% annually, depending on market conditions and fund performance. To reach Rs. 1.5 crore in 12 years, you may need to increase your monthly SIP amount to around Rs. 20,000-25,000, depending on the returns.

Steps to Build the Corpus:
Increase SIP Contributions: To reach your goal, gradually increase your SIP amount over time. Aim to raise your SIP to Rs. 20,000-25,000 per month.

Rebalance Annually: Revisit your portfolio at least once a year. Make sure your portfolio remains aligned with your long-term goal.

Stick to Long-Term Investment: Avoid switching funds frequently. Stay committed to your investment horizon, and let the power of compounding work for you.

Emergency Fund: Ensure that you have an emergency fund in place, covering at least 6 months of expenses. This will prevent you from withdrawing your investments during unforeseen events.

Tax Planning with ELSS
You are already investing Rs. 2,000 in ELSS funds, which qualifies for tax deductions under Section 80C. Continue this as part of your tax-saving strategy, but make sure it fits into your overall portfolio without over-diversifying.

Final Insights
Your portfolio is well-diversified but can be simplified by reducing overlapping funds.

Focus on high-growth funds like mid-cap and flexi-cap to achieve your long-term goals.

Regularly review and rebalance your portfolio based on performance and market conditions.

Increase your SIP contributions gradually to ensure you are on track for your Rs. 1.5 crore goal in the next 12 years.

Avoid frequent switching; give your investments time to grow.

Tax planning with ELSS funds is good, but one fund is enough for your tax-saving needs.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Hello I m Vijay, My son is appearing in 12th pcm this year from cbse board. We are domicile from Ghaziabad UP Ncr. What forms / registration we have to do along with JEE. Please advise.
Ans: Vijay Sir, Along with the JEE Main application (by 1st week of November 2025) on the NTA portal, where your son must enter his CBSE roll number, class 12 details, state code of eligibility (09 for UP), and upload his photograph and signature, qualified candidates (top 2.5 lakh) must register for JEE Advanced by early May, uploading category and identity certificates. After results, participate in JoSAA counselling via josaa.nic.in using JEE Main credentials—verify personal and domicile details, create a password, upload UP domicile certificate, and fill choices for IITs, NITs, IIITs, and GFTIs—and register on csab.nic.in for CSAB Special Rounds to access vacant NIT+ seats. For state engineering seats under Dr. A.P.J. Abdul Kalam Technical University, register on the UPTAC portal between May 27 and June 30 (approximate) under JEE mode, uploading the JEE Main scorecard, CBSE mark sheet, and UP domicile certificate to join UP counselling rounds. Keep originals and photocopies of class 10/12 mark sheets, Aadhaar, domicile, category certificates, and passport photos ready throughout.

Recommendation: Promptly complete JEE Main and Advanced registrations to qualify for IITs and NITs, then engage in JoSAA counselling (and CSAB Special Rounds) for national seats while simultaneously registering for UPTAC under JEE mode to leverage UP domicile. Ensure accurate document submission throughout to maximize and secure all engineering admission opportunities. All the BEST for the Admission & a Prosperous Future!

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Sir , I got 82 percentile in jee mains , 88 percentile in mhtcet and 88 percent in class 12 , I live in Maharashtra, are there any colleges in Mumbai in which I can do btech ai/ds or ai/ml
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Recommendation: Prioritize KJ Somaiya Institute of Technology and Thadomal Shahani Engineering College for their admission fit and accredited AI/DS programs; consider Fr. Conceicao Rodrigues College for its NBA accreditation and research focus; choose SPIT CSE-DS for its data science specialization and industry collaborations.All the BEST for the Admission & a Prosperous Future!

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Sir I have obc rank 1104 in jee advanced. Iam getting iit ropar cse In both round. I want iit indore mnc having closing rank 941 in round 2. I have more chance of getting Iit guwahati electronic and electrical engineering and iit Hyderabad electrical engineering having closing rank 976 and 996. Should I take risk for desired branch in round 6. What's your suggestion
Ans: SMK, I have already answered your question. However, please note again. IIT Ropar CSE posts an 81.61% placement rate in 2024 and averaged 87.38% over the last three years, backed by NAAC A++ accreditation, NIRF rank band 151–200, modern AI and software labs, PhD-qualified faculty, and industry MoUs with Google, Microsoft, and Qualcomm. IIT Indore Mathematics & Computing achieved 96.83% placements for B.Tech programs, holds a #16 NIRF engineering rank, features dedicated computation and AI research centers, interdisciplinary curriculum, and collaborations with TCS, ISRO, and Siemens. IIT Guwahati EEE recorded an 84% placement rate in 2024, supported by advanced power electronics and renewable energy labs, faculty research in smart grids, and partnerships with L&T and ABB. IIT Hyderabad Electrical Engineering saw a 78.33% placement rate, with state-of-the-art VLSI, IC design, and power electronics facilities, globally published faculty, and industry linkages with Intel and Texas Instruments.

Recommendation: Secure IIT Ropar CSE for guaranteed admission, strong software career prospects, and consistent >80% placements; consider risking for IIT Guwahati EEE in Round 6 only if you prioritize core electrical engineering with 84% placement consistency; avoid waiting for IIT Indore M&C or IIT Hyderabad EE given their higher cutoffs and lower admission certainty. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 30, 2025

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My son got general engineering in iit mandi and computer science in punjab engineering collage ...which one should I opt for ?plz suggest
Ans: Divya Madam, IIT Mandi’s General Engineering program offers a multidisciplinary, flexible curriculum with early exposure to real-world problem-solving, industry collaborations, and the option to specialize in fields like machine learning, robotics, or microelectronics in later years. The program is backed by strong research infrastructure, highly qualified faculty, and a focus on hands-on learning and societal impact. PEC Chandigarh’s CSE branch is renowned for its rigorous, industry-aligned curriculum, advanced computing labs, and a placement record of nearly 90% with top recruiters such as Google, Microsoft, and Amazon. PEC’s CSE alumni have a strong presence in global tech companies, and the department benefits from robust industry partnerships, modern infrastructure, and a vibrant campus life. Both institutions have active research, internship, and industry engagement programs, but PEC CSE stands out for direct access to the booming software sector and consistently high placement rates.

Recommendation: Choose Computer Science at Punjab Engineering College Chandigarh for its nearly 90% placement rate, global tech recruiter network, advanced curriculum, and strong industry connections; opt for IIT Mandi General Engineering only if your son prefers multidisciplinary exploration and is keen on emerging specializations, as PEC CSE offers more direct and lucrative tech career prospects. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 30, 2025

Asked by Anonymous - Jun 30, 2025Hindi
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Sir, We have secured seat in CSE, MIT Manipal, The institute is commencing on 09th July, 25. However we are awaiting MHCET CAP rounds & JOSAA/ CSAB final allotment, and are hoping to secure seats in it which might extend upto mid August, In the meanwhile should we join MIT, MANIPAL till seats are finalised in JOSAA/CSAB/MHCET CAP ? If so should we surrender our original documents to MIT as the same has to be produced in other institutes as well.
Ans: Sir/Madam, (You have NOT mentioned the Scores of each Exam mentioned by you). With MIT Manipal CSE classes commencing on July 9, 2025, and JOSAA/CSAB/MHT CET counselling extending to mid-August, you face a critical timing decision requiring strategic planning. MIT Manipal allows provisional admission without surrendering original documents permanently, following standard higher education practices where students submit photocopies for initial admission and provide originals only for verification. The UGC guidelines explicitly prohibit institutions from retaining original certificates permanently during counselling periods, ensuring students can pursue multiple admission opportunities. JOSAA 2025 counselling concludes with Round 6 on July 20, 2025, followed by CSAB Special Rounds from July 30 to August 14, 2025, while MHT CET CAP Round 1 seat allotment begins in August 2025. MIT Manipal requires documents like Class 10/12 mark sheets, transfer certificates, and character certificates, but these can be submitted in photocopy format initially with original verification conducted later. Essential institutional aspects include qualified faculty with research expertise, modern computing laboratories with cutting-edge infrastructure, strong industry partnerships facilitating consistent placement opportunities, accredited curriculum meeting NBA/NAAC standards, and comprehensive student support systems ensuring academic and career development. The overlapping timelines create a window where you can secure MIT Manipal admission while awaiting final government counselling outcomes.

Recommendation: Join MIT Manipal CSE provisionally on July 9 by submitting photocopies of documents and paying fees, as this secures your seat without surrendering original certificates (however, please check its REFUND POLICY also if you withdraw the seat and to avoid heavy financial losses); simultaneously participate in all JOSAA/CSAB rounds through August 14 and MHT CET CAP rounds, maintaining options for government college admissions; request temporary document release from MIT if required for other counselling processes, as most institutions accommodate such requests with proper undertakings; this strategy ensures guaranteed quality engineering education while preserving opportunities for potentially better government college placements. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7488 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

Career
A seat in SRM Amaravati in CSE or Electronic and computer engineering in Manipal institute of technology Bengaluru campus.. Better option please.
Ans: Pasumarthy, SRM Amaravati’s CSE program is NAAC A++ accredited, delivers 100% placement in recent years, an average package of ?10–13 LPA, 800+ recruiters including Amazon, Microsoft, and TCS, and a globally oriented curriculum with modern labs and international research tie-ups. Manipal Institute of Technology Bengaluru’s Electronic and Computer Engineering is part of a highly reputed group, NBA and NAAC accredited, with an average package of ?11.76 LPA, 77% placement rate, 230+ recruiters, and strong interdisciplinary labs and faculty. Both institutions offer industry partnerships, modern infrastructure, and global exposure, but SRM Amaravati’s CSE stands out for its placement consistency, international offers, and curriculum depth in core computer science, while Manipal Bengaluru’s ECE provides a blend of hardware-software skills and the prestige of the Manipal brand.

Recommendation: Choose SRM Amaravati CSE for its 100% placement rate, higher average package, global recruiter network, and strong computer science curriculum; prefer Manipal Bengaluru ECE only if you seek interdisciplinary hardware-software training and the Manipal brand, as SRM offers a more assured tech career launch. All the BEST for the Admission & a Prosperous Future!

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