Dear Sir, Greetings! I am 45 years; I have the following ongoing SIPs. Kindly advise me if I should continue or switch.

• Mirae Asset Emerging Bluechip Fund
• Mirae Asset Tax Saver Fund
• Birla Sunlife Frontline Equity Fund
• DSP Midcap Fund
• ICICI Prudential Value Discovery Fund
• HDFC Midcap Opportunities Fund 

Name of the Fund	Name of the Fund	RankMF Star Rating
Mirae Asset Emerging Bluechip Fund	Equity - Large & Mid Cap Fund	4
Mirae Asset Tax Saver Fund	Equity - ELSS	4
Birla Sunlife Frontline Equity Fund	Equity - Large Cap Fund	4
DSP Midcap Fund	Equity - Mid Cap Fund	4
ICICI Prudential Value Discovery Fund	Equity - Value Fund	2
HDFC Midcap Opportunities Fund.	Equity - Mid Cap Fund	3

Ans: With a CRL of 600,000 and an SC category rank of 45,699 in JEE Main, it's unlikely you'll secure a seat in a highly sought-after government college like an NIT or IIIT, especially for competitive branches like Computer Science or Electronics. However, you still have options to explore.

Ans: With a COMEDK rank of 11044 and a JEE Main rank of 79857, you have a good chance of securing a CSE seat in several colleges. Consider options like Sir MVIT, CMRIT, RNSIT, and BMSIT. You may also find seats in other colleges based on the specific cutoffs and your category. Best of luck

Ans: With an 85.8 percentile in JEE Mains and a 11k rank in JEE Advanced within the OBC-NCL category, you have a good chance of getting into some NITs, IIITs, and other government-funded technical institutes. Specifically, you should be able to secure a seat in a good NIT or IIIT, possibly even with a preferred branch like ECE or IT, and you could also consider some IITs depending on the specific branch and the cutoff trends for your category.

Ans: With a COMEDK rank of 9300, you have a good chance of getting into several reputable engineering colleges, including some with strong Computer Science and Information Science programs. Some colleges like RV College of Engineering, BMS College of Engineering, Ramaiah Institute of Technology, and Dayananda Sagar College of Engineering are likely possibilities. Your JEE Main rank of 73000 might also allow you to explore options in NITs or IIITs, potentially in less competitive branches or colleges.

Ans: MIT Manipal CSE is generally considered better than MIT Bangalore CSE due to its established reputation, stronger faculty, and more robust research opportunities. While MIT Bangalore offers a modern infrastructure and competitive placements, MIT Manipal's long-standing presence in the field provides a more well-rounded academic experience and potentially better long-term career prospects. Best of luck. I am always there by the side of the children who need counselling. For placement of CSE branch don’t worry. I personally placed more than one students of CSE branch in reputed international companies. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Ans: With a 96.5 percentile in MHT CET, your son has a good chance of getting Computer Science Engineering (CSE) in some reputable colleges in Pune and Mumbai. While it might be challenging to get into the very top colleges for CSE directly, there are still excellent options available, especially if considering other specializations like AI/DS or ECE in some top colleges.

Ans: Be brief.

Ans: Step 1: Know Your Monthly Debt Capacity
Assuming you can allocate 50–55% of your income toward debt repayment:
• ?1.08–1.18 lakh/month is your target EMI budget.
Step 2: Prioritize High-Interest Debt First
Credit card and personal loans typically carry 15–36% interest, while home loans are around 8–9%. So:
1. Credit Card (?11L) – Pay this off first.
2. Personal Loan (?28L) – Next priority.
3. Home Loan (?46L) – Last, since it’s lower cost and offers tax benefits.
Step 3: Consider Consolidation
You could explore:
• Debt consolidation loans to combine credit card + personal loan into one lower-interest EMI.
• Balance transfer for credit cards to reduce interest temporarily.
• Platforms like FREED, SingleDebt, or Debt Relief India offer structured debt management plans.
Step 4: 6-Year Repayment Plan (Illustrative)
Loan Type Amount (?L) Target Tenure Monthly EMI (approx)
Credit Card 11 1 year ?1.0–1.1 lakh
Personal Loan 28 3 years ?0.9–1.0 lakh
Home Loan 46 6 years ?0.8–0.9 lakh
You can snowball payments—once one loan is cleared, roll that EMI into the next.
Tips to Accelerate
• Bonus or incentives? Use 70–80% toward debt.
• Cut lifestyle inflation—track expenses ruthlessly.
• Avoid new debt unless it’s strategic (e.g., refinancing).
• Automate EMIs to avoid late fees and improve credit score.

Ans: Be brief.