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Ramalingam

Ramalingam Kalirajan  |10314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

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
Asked by Anonymous - Jul 15, 2025Hindi
Money

I am 43 and have like mf 1.0 cr( 40L in i dex, large cap 10L, flexi gap 15L, 10Lvalue, rest mid cap) , gold physical + sgb= 20L, ppf 40L, epf+vpf 50L,fd 1.5 cr, flat in chennai worth 50L, no children, monthly expenses around 40K pm, , and i have a, car loan for next 4 yesrs 17LCan I retire now with some 20 to 40k job I need to take health insurance and life cover , i know FD will have to be moved to some better instruments,pls suggest, i have started invsting mfs just 3 yrs ago only, grew that corpus little faster with some of my fds and savings. any suggestions to alter the portifolio?

Ans: You’ve created a strong base already. At 43, with no children, a monthly expense of Rs 40,000, and a well-diversified asset pool, your financial discipline is quite visible. It’s especially inspiring that you’ve grown your mutual fund portfolio rapidly in just 3 years. You are thinking wisely about transitioning from FDs and planning early retirement. Let’s now do a detailed evaluation from a 360-degree Certified Financial Planner perspective.

This response will help you understand:

– Whether early retirement is possible
– How to manage your portfolio better
– What changes are required in mutual fund allocation
– How to reduce risk and increase returns
– How to handle FDs wisely
– Why you need health and life cover now
– Other fine-tuning ideas

? Portfolio Summary: Strong Start, Now Needs Strategic Rebalancing

– Your current asset base is impressive and very well spread out.
– Mutual funds: Rs 1 crore (including index, large, flexi, mid, value)
– PPF: Rs 40 lakhs, EPF+VPF: Rs 50 lakhs
– Fixed Deposits: Rs 1.5 crore
– Gold: Rs 20 lakhs (physical + SGB)
– Property: Rs 50 lakhs flat in Chennai
– Car loan: Rs 17 lakhs, for 4 more years

– Total investment corpus is around Rs 3.6 crore (excluding property).
– Your debt is minimal and manageable with Rs 40,000 expenses.
– That gives financial flexibility and lifestyle freedom.

? Can You Retire Now? Partly Yes, But Plan Smart

– Your current expenses are Rs 40,000 per month.
– Even if inflation doubles this in 20 years, your corpus can support it.
– You’ve built enough for semi-retirement or second innings.

– But full retirement at 43 without any income may cause future stress.
– Longevity risk and inflation can deplete corpus too early.
– You can switch to a Rs 20,000–40,000 part-time or flexible job.
– It will give structure, health benefits, and slow withdrawal.

– For now, continue minimal earning for next 5–7 years.
– Simultaneously rebalance and realign your investments for monthly income flow.

? Mutual Funds: Good Size, But Poor Allocation Needs Fix

– Index funds at Rs 40 lakhs is too high and risky.
– Index funds give no downside protection.
– They are passive and don’t help during corrections.

– When markets fall, they fall fully with no shield.
– Also, they don’t adapt to new sectors or changing leaders.
– In retirement phase, index exposure should be limited.

– Actively managed funds offer better value.
– Fund managers shift between sectors and manage volatility.
– This provides more peace and smoother returns.

– Reduce index exposure gradually. Move to flexi-cap and balanced advantage funds.
– Flexi-cap adjusts based on opportunities. Balanced advantage reduces downside.
– Keep large cap at 20%–25% of total MF corpus.
– Add multi-asset and conservative hybrid funds for stability.

– Mid-cap should be restricted to 10%–15% only.
– You have no dependent children. You don’t need aggressive risk now.
– Value funds are fine if held for 7+ years.

– Always invest through regular funds via MFD and Certified Financial Planner.
– Direct funds miss review, discipline, and emotional control.
– Regular funds offer advice, rebalancing, and tax efficiency.
– It’s worth the small commission for large long-term impact.

? Fixed Deposits: Too Much in Low Yield Assets

– Rs 1.5 crore in FD is too high.
– It gives low post-tax return below inflation.
– Your effective real return is almost zero or negative.

– Gradually move FD surplus to better alternatives.
– Split the corpus into 4 parts:

Emergency fund: Rs 10–15 lakhs in liquid funds

Short-term buffer: Rs 20–25 lakhs in ultra-short debt funds

Income generation: Rs 50–60 lakhs in hybrid mutual funds

Growth: Rs 40–50 lakhs in flexi-cap and value mutual funds

– This will give better tax-adjusted returns.
– Income funds with SWP can give monthly cash flow.
– Avoid sudden redemption. Shift gradually with CFP support.

– Follow capital gains tax rules while redeeming.
– Equity fund LTCG above Rs 1.25 lakhs is taxed at 12.5%.
– STCG on equity is taxed at 20%.
– Debt fund gains are taxed as per slab.

? PPF and EPF: Long-Term Safety Net

– Rs 40 lakhs in PPF and Rs 50 lakhs in EPF is perfect.
– They give tax-free, safe, and stable growth.
– Do not withdraw early unless for emergency.

– These can fund your long-term expenses post-60.
– Continue contributing if earning even part-time.
– Extend PPF in blocks of 5 years with contribution.

– Treat these as inflation-protected income reserve for your 60s and beyond.

? Gold Holdings: Fine as Diversifier

– Rs 20 lakhs in gold is fine.
– It gives inflation edge and currency safety.
– Maintain SGBs. Avoid adding more physical gold.
– No income generation, but good backup asset.

– Don’t allocate more than 10%–12% of total corpus in gold.
– For now, you can keep this level as it is.

? Life Insurance: Important Even Without Children

– You don’t have dependents.
– But you must still take term insurance.
– It protects your loan burden and medical emergencies.

– Take Rs 1 crore term cover until age 60.
– It will support hospital bills or family needs if required.
– Term insurance premiums are very low.

– Do not buy ULIP or endowment plans.
– They mix investment with insurance and give poor returns.

? Health Insurance: Must Take Immediately

– You don’t have corporate cover now.
– You are 43, and medical inflation is very high.
– One surgery can wipe out years of savings.

– Take a base policy of Rs 10–15 lakhs today.
– Add Rs 25–50 lakhs super top-up cover.
– Take from reputed private insurers.

– Avoid policies with co-pay, room rent limits, and long waiting periods.
– Choose cashless network and lifelong renewability.

– Also take personal accident cover.
– It covers disability, not just death.
– One-time premium is low and benefit is big.

? Car Loan: Clear It Early If Possible

– Rs 17 lakhs car loan over 4 years is a liability.
– If you have FD excess, consider closing it early.
– It improves cash flow and reduces stress.

– Don’t break PPF or EPF. Use only idle FD money.
– This gives peace and simplifies finances.

? Income Strategy Post-Retirement: Build Monthly Flow

– You can build a structured income plan now.
– Use SWP from hybrid and balanced mutual funds.
– These funds give monthly income with lower tax.

– Avoid annuities. They are rigid and low return.
– Also don’t depend on FD interest for regular cash flow.

– Build a 3-bucket structure:

Short term: Liquid + Ultra-short fund for 1–2 years

Medium term: Hybrid and multi-asset funds for 3–7 years

Long term: Flexi-cap and large-cap funds for 8+ years

– Withdraw monthly from bucket one.
– Refill it every year using bucket two.
– Let bucket three grow untouched for future years.

– This gives liquidity, growth, and inflation protection together.

? Finally

– You have built an excellent base already.
– Your commitment and clarity are quite rare.

– You can partially retire today.
– But continue small income to reduce pressure on corpus.

– Reduce index fund share. Increase flexi-cap and hybrid funds.
– Shift from FD to mutual funds gradually.
– Take health and term insurance now without delay.
– Clear the car loan early using FD surplus.

– Keep asset allocation simple and purposeful.
– Review every year with a Certified Financial Planner.

– Never invest on emotion or peer pressure.
– Keep a written plan and stick to it with discipline.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Aug 17, 2025 | Answered on Aug 18, 2025
Thank you so much sor for the reply, please let me know if you can be my CFP, and your fees details.
Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
Instagram: https://www.instagram.com/holistic_investment_planners/
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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Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Apr 03, 2024Hindi
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I am 50 working professional. Below is my MF portfolio . 1. Parag Parikh Flexi Cap Fund 2.6 lakhs + 10K SIP 2. PGIM India Midcap Opportunities Fund 1.85 L Value + 5K SIP 3. Quant ELSS Tax Saver Fund 80K 4. Axis Small Cap Fund 1.85 Lakhs Value + 5K SIP 5. Axis Gold Fund 75K Value + 5K SIP 6. Canara Robeco Bluechip Equity Fund 70K 7. Quant Multi Asset Fund 50K 8. SBI Magnum Income Fund 50K 9. ICICI Prudential Equity & Debt Fund 50K 10. Quant Active Fund 50K 11. ICICI Prudential Bluechip Fund 25K I want to build a retirement corpus of 2 crore in 10 years. I am planning to invest around 50K every month. Plus i have. surplus of 4Lakks which i want to invest in few of the MFs above. Planning to exit Canara Robeco bluechip and Axis Small cap soon. Please suggest if any changes you want me to do.
Ans: Given your goal of building a retirement corpus of 2 crores in 10 years and your current portfolio, here are some suggestions:

Increase SIP Contributions: Consider increasing your SIP amounts in high-performing funds like Parag Parikh Flexi Cap and PGIM India Midcap Opportunities Fund, which have shown good potential for long-term growth.

Review and Consolidate: Evaluate the performance of all your funds and consider consolidating your portfolio to fewer, well-performing funds to simplify management and potentially enhance returns.

Focus on Quality: Prioritize funds with strong track records, consistent performance, and experienced fund management teams. Consider adding large-cap and diversified equity funds for stability and balanced growth.

Asset Allocation: Ensure a balanced asset allocation across equity, debt, and gold funds based on your risk tolerance and investment horizon. Reallocate surplus funds strategically to maintain a diversified portfolio.

Regular Review: Monitor your portfolio regularly and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.

Consider consulting with a financial advisor for personalized advice tailored to your specific circumstances and goals.

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Ramalingam Kalirajan  |10314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 04, 2024Hindi
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Hi, I am a 35 Year old Single Male with a net monthly salary of 1.75 lakhs per month. My accommodation is provided by the company. So my expenses are not much. I invest 90k per month in MFs. I also have additional investments of 1.5 Lakh in PPF, 50k in NPS, 1.5 Lakh in SGB. My goal is to have a Corpus of 25 Crore and retire at 50. Can you suggest anything else that I should do or am I doing alright? MY MFs are a mix of Small cap, Mid Cap and Large Cap with about 50% weight in Small Caps.
Ans: It sounds like you're on a solid financial path with your current investments and savings habits. Here are a few additional suggestions to consider as you work towards your goal of retiring with a corpus of 25 crores:

Review and Adjust Asset Allocation: Given your goal of retiring at 50, ensure your asset allocation aligns with your risk tolerance and time horizon. Consider rebalancing your portfolio periodically to maintain the desired mix of small, mid, and large-cap funds.
Emergency Fund: While your expenses are low, it's still essential to have an emergency fund to cover unexpected expenses or job loss. Aim for 6-12 months' worth of living expenses in a liquid savings account.
Explore Tax-Efficient Investments: Since you're already investing in tax-saving instruments like PPF and NPS, consider exploring other tax-efficient investment options such as ELSS (Equity Linked Savings Scheme) mutual funds or tax-free bonds to optimize your tax savings.
Regular Financial Check-ups: Schedule regular financial check-ups with a Certified Financial Planner to review your progress towards your retirement goal, adjust your investment strategy as needed, and ensure you're on track to meet your objectives.
Consider Real Estate: Real estate can be a valuable addition to your investment portfolio, providing both rental income and potential capital appreciation. However, carefully evaluate the property market and ensure it aligns with your overall investment strategy and risk tolerance.
Overall, continue with your disciplined savings and investment approach, and regularly reassess your financial plan to ensure it remains aligned with your goals and aspirations. With careful planning and prudent decision-making, you're well-positioned to achieve financial independence and retire comfortably at 50.

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Ramalingam Kalirajan  |10314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

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Hi, I am 47 years old and have been investing in MF’s since age of 29. My current valuation of MF’s is 1.6 Cr. Below are my SIP’s details – I do step up of around 5000-8000 every year. My goal is to have a corpus of Rs. 5 Cr at age of 60. Kindly suggest if with current investments I can achieve the goal and also suggest if I need to change any MF schemes. Fund SIP Canararob Small Cap 4000 Dsp Small Cap 5000 Edelweisis Flexi 6000 Franklin Focussed 2000 Hdfc Mid Cap 2000 Mirae Multicap 5000 Mirae Midcap 13000 Mirae Large and Midcap 9000 Nippon Multicap 17500 Franklin India Opportunities 4000 Bank of India Flexicap 4000 Total 66500 Regards, Nitin M
Ans: Nitin, you've done a commendable job investing in mutual funds from the age of 29. You have built a substantial corpus of Rs 1.6 crore. Investing Rs 66,500 monthly, along with regular step-ups, shows your commitment to long-term wealth building. Your goal of Rs 5 crore by the age of 60 is achievable, but it requires a careful analysis of your current portfolio and projections.

Let’s break down the strategy and see if adjustments are needed.

Current SIPs Overview
Here are your SIP details:

Canara Robeco Small Cap: Rs 4,000
DSP Small Cap: Rs 5,000
Edelweiss Flexicap: Rs 6,000
Franklin Focused: Rs 2,000
HDFC Midcap: Rs 2,000
Mirae Multicap: Rs 5,000
Mirae Midcap: Rs 13,000
Mirae Large and Midcap: Rs 9,000
Nippon Multicap: Rs 17,500
Franklin India Opportunities: Rs 4,000
Bank of India Flexicap: Rs 4,000
Total monthly investment: Rs 66,500.

Let's first check if your current portfolio aligns with your Rs 5 crore goal.

Goal Achievement: Will You Reach Rs 5 Crore by 60?
You have 13 years left to achieve your goal, from age 47 to 60. You’re currently investing Rs 66,500 per month, and you also increase your SIPs by Rs 5,000 to Rs 8,000 annually.

Considering an average return of 10-12% per year from your mutual funds, and taking into account your step-up plan, you should comfortably achieve your Rs 5 crore target by age 60. But to ensure consistent growth, your portfolio should be well-diversified and structured.

Projections:

Your current SIPs, along with annual step-ups, should grow your corpus significantly over the next 13 years.
You’re likely on track for your Rs 5 crore goal, assuming stable market conditions and continued step-up.
Assessing Portfolio Diversification
1. Overlap in Funds

You hold several mid-cap and multicap funds, which could lead to overlap. For example, your Mirae Midcap and HDFC Midcap funds might hold similar stocks. It’s important to avoid too many funds in the same category to prevent redundancy and excessive risk exposure.

Suggested Action: Trim the number of overlapping funds. Keep one or two solid midcap funds instead of multiple, and the same for flexicap/multicap funds.

2. Excessive Exposure to Small Caps?

You have Rs 9,000 in small-cap funds (Canara Robeco Small Cap and DSP Small Cap). Small caps are more volatile and can swing widely based on market conditions. While small-cap funds have high growth potential, they also carry higher risk.

Suggested Action: Keep a balance between small, mid, and large caps. Limit small-cap exposure to no more than 10-15% of your total portfolio to reduce volatility risk.

Step-Up Strategy: Continue or Adjust?
Your current step-up of Rs 5,000 to Rs 8,000 per year is an excellent strategy. It ensures that your investments grow in line with your income and inflation. I suggest continuing this step-up approach as it will help you reach your Rs 5 crore goal faster.

Portfolio Simplification and Trim
With 11 funds in your portfolio, there is room to streamline for better management and performance tracking.

Suggested Action: Reduce your portfolio to around 6-8 funds. You don’t need to hold too many funds. Focus on the best performers across categories like large-cap, mid-cap, and flexi-cap.

Tax Efficiency and Fund Management
When selling mutual funds in the future, keep the tax implications in mind:

Long-Term Capital Gains (LTCG): Above Rs 1.25 lakh is taxed at 12.5% for equity mutual funds.
Short-Term Capital Gains (STCG): Are taxed at 20%.
Given your long-term horizon, focus on funds that offer strong long-term growth potential and avoid frequent churn to minimize tax impact.

Active Management vs Passive Funds
Since you haven’t mentioned index or direct funds, let me briefly explain why actively managed funds are preferable in your case.

Active Funds: Offer potential for better returns as fund managers actively pick stocks.
Passive Funds: Like index funds, simply track the index and may underperform during market downturns.
Stick with actively managed funds, especially those overseen by experienced fund managers, to give your portfolio a better chance of outperforming the market.

Term Insurance and Other Investments
While it wasn’t mentioned, if you don’t have a term insurance plan, consider getting one. Term insurance provides financial protection for your family in case of any unfortunate event and is cost-effective.

Suggested Action: Secure a term insurance plan if you don’t already have one. Avoid mixing insurance with investments like ULIPs, as they don’t offer optimal returns.

Additional Recommendations
Diversify Across Asset Classes: Consider adding some debt or hybrid mutual funds to your portfolio. These will act as a cushion during market downturns and provide stability.

Emergency Fund: Keep at least 6-12 months of living expenses in a liquid or short-term debt fund as an emergency fund. This ensures you won’t need to redeem your equity investments during market corrections.

Final Insights
Your current portfolio is on the right track to achieve the Rs 5 crore target by age 60. However, simplifying the number of funds, balancing risk with diversification, and continuing your step-up strategy will help you stay on track. Focus on strong-performing funds, limit small-cap exposure, and ensure you have a balanced mix of large, mid, and multi-cap funds.

Lastly, keep an eye on market performance and review your portfolio annually to make adjustments if needed.

Best Regards,

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

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Ramalingam Kalirajan  |10314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

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Mr Advait Arora, I am 36 Years Old and just got introduced to MF. I have started RD 80K/Month , FD 7.5Lcs, 32.5K/Month MF (SBI Magnum Mid Cap Direct Plan Growth 5k, Tata Small Cap Fund Direct growth 10 K, SBI PSU Direct Plan Growth 5K,Aditya Birla Sun Life PSU Equity Fund Direct growth 5 K,Quant Small cap Fund Direct Plan Growth 5k & Quant Mid Cap Fund Direct growth 2.5k. Additionaly have started LIC INdex Plan 30K/Month for 20 years, 2.5 Lcs / year HDFC ULIP Click to invest 10 years plan and 10 K/Month on Max life Saving an Ulip Plan Again for 5 years invest and 20 years plan . I wanted to target 10 Crores in 15 Years. Please let me know if am on the right track or is there some changes to be made .All this are started in year 2024. I am an NRE working in Middile east Thanks in advance Deepu
Ans: Your commitment to financial discipline and long-term goals is praiseworthy. However, your portfolio requires optimisation to ensure you reach your Rs 10 crore target in 15 years. Here's a detailed assessment and strategic recommendations.

Evaluating Your Current Portfolio
Recurring Deposit (RD): Rs 80,000/Month
Recurring deposits are low-risk but offer limited returns.
The post-tax return is unlikely to match inflation.
Fixed Deposit (FD): Rs 7.5 Lakh
Fixed deposits are safe but have similar challenges as RDs.
Long-term wealth creation is difficult with these instruments.
Mutual Funds (MF): Rs 32,500/Month
Investments in small-cap and mid-cap funds indicate a high-risk appetite.
However, all your investments are in direct funds.
Disadvantages of Direct Funds:

Direct funds require active monitoring and market knowledge.
Any wrong decision can lead to lower returns.
Benefits of Regular Funds via CFP:

Professional guidance ensures better fund selection.
Regular reviews and rebalancing optimise performance.
LIC Index Plan: Rs 30,000/Month for 20 Years
Index-based plans offer limited growth due to market-cap weighting.
Returns may not beat inflation consistently.
HDFC ULIP Click to Invest: Rs 2.5 Lakh/Year for 10 Years
ULIPs combine insurance and investment, leading to suboptimal growth.
High charges during the initial years impact returns.
Max Life Saving ULIP: Rs 10,000/Month for 5 Years, 20-Year Plan
Long lock-in and high charges are similar drawbacks as the above ULIP.
Insurance cover may not suffice for your financial needs.
Optimising Your Portfolio for Growth
1. Mutual Fund Investments
Shift from direct plans to regular funds through a Certified Financial Planner.
Diversify across equity, hybrid, and debt categories for better stability.
2. Recurring Deposit and Fixed Deposit
Gradually move RD and FD funds into debt and equity mutual funds.
Debt funds offer tax efficiency and better post-tax returns.
3. LIC Index Plan and ULIPs
Surrender these policies after consulting with your Certified Financial Planner.
Reinvest proceeds into mutual funds for higher long-term returns.
4. Adequate Term Insurance
Buy a pure term insurance plan for financial protection.
Ensure the sum assured is at least 10-15 times your annual income.
Building a Rs 10 Crore Corpus in 15 Years
Step 1: Monthly SIP Investments
Increase monthly SIPs gradually to match your cash flow.
Allocate more funds to equity-oriented mutual funds for growth.
Step 2: Balanced Portfolio Allocation
Maintain 60% in equity, 30% in debt, and 10% in other instruments.
Equity funds drive growth, while debt funds provide stability.
Step 3: Monitor and Rebalance
Regularly review your portfolio with a Certified Financial Planner.
Rebalance yearly to maintain the desired asset allocation.
Tax Efficiency
1. Mutual Fund Taxation
Equity funds have LTCG taxed at 12.5% above Rs 1.25 lakh.
Plan withdrawals to minimise tax liability.
2. Debt Fund Taxation
Gains are taxed as per your income slab.
Use systematic withdrawals for efficient tax management.
Final Insights
You have a strong savings habit and a clear financial goal. However, some adjustments are necessary to optimise your portfolio. Surrender low-yield plans like ULIPs and LIC and reinvest in growth-oriented mutual funds. Shift from direct funds to regular funds with professional guidance.

With disciplined investing, proper diversification, and consistent reviews, achieving Rs 10 crore in 15 years is possible. Stay focused and work closely with a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Comed k Sir if I accept and upgrade for round 4 so will my seat which I got 3 be reserved??
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There are FOUR options for candidates during the counseling process (refer to the COMEDK Counseling Process Quick Guide, Page 8):

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2. Accept and Upgrade: You are satisfied with the allotted seat but wish to participate in the next round. If higher options are allotted in subsequent Round, then earlier allotted seat gets cancelled automatically OR if higher option seats are not allotted, then earlier allotted seat shall remain in the candidate’s favor.

3. Reject and Upgrade: You are not satisfied with the allotted seat. You are rejecting the allotted seat but wish to participate in the next round to check for allotment of higher preferences/options.

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I hope you understand the process clearly.

Important Note: There is no option to go back to your previous seat if you choose to upgrade and receive a new allotment.
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Career
Alliance university Anekal, BTech CSE(IOT) ...tell me above average packages of CSE...
Ans: Inder, Alliance University’s B.Tech CSE (IoT) program maintains a placement rate of around 85% over the past three years, with an average package of approximately 7.6 LPA and top offers in IoT, full-stack development, and data analytics. The dedicated placement cell partners with over 500 recruiters—such as Bosch, Wipro, and Infosys—conducting regular workshops on embedded systems, cloud computing, and cybersecurity. Industry-aligned labs equipped with Arduino, Raspberry Pi, and AWS platforms support hands-on learning, while experienced faculty publish research in IoT and AI. The campus fosters innovation through hackathons, maker labs, and incubation centers. To stand out in placements, you should build strong coding skills in C/C++, Python, and JavaScript, master data structures and algorithms, and gain proficiency in IoT protocols (MQTT, CoAP). Developing soft skills—effective communication, teamwork, and problem-solving aptitude—enhances employability. Internships with startups or R&D projects strengthen real-world experience, while certifications in cloud platforms and machine learning demonstrate commitment to continuous learning.

Recommendation: Focus on Alliance University’s CSE (IoT) program, leveraging its above-average placement ecosystem, industry-driven curriculum, and practical labs, while cultivating coding expertise, IoT know-how, and soft skills to maximize campus and off-campus placement opportunities. All the BEST for a Prosperous Future!

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