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Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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 - May 13, 2024Hindi
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Hi I am 45 years old and have a sum of 60 lakhs in FD..35 lakhs medical coverage ..20 lakhs mutual funds and 12 lakhs stock portfolios..I invest 50k a month..how can I grow my total portfolio to 3 crores in next 10 years ?thanks and regards

Ans: Building a Portfolio to Achieve Your Financial Goals
You have a substantial base to build on, with Rs. 60 lakhs in FDs, Rs. 35 lakhs in medical coverage, Rs. 20 lakhs in mutual funds, and Rs. 12 lakhs in stocks. Additionally, you invest Rs. 50,000 monthly. Let's discuss a strategy to grow your portfolio to Rs. 3 crores in the next 10 years.

Understanding Your Current Portfolio
Fixed Deposits (FDs)
Fixed deposits provide safety but offer lower returns compared to other investment options. Given inflation, the real return on FDs can be quite low.

Medical Coverage
Having Rs. 35 lakhs in medical coverage is crucial for financial security. This ensures that your investments remain protected in case of medical emergencies.

Mutual Funds
Your Rs. 20 lakhs in mutual funds are a solid foundation. Depending on the type of funds, they can offer growth potential while diversifying risk.

Stock Portfolio
With Rs. 12 lakhs in stocks, you have exposure to equity markets. This can provide higher returns but comes with higher volatility.

Monthly Investment of Rs. 50,000
Investing Rs. 50,000 per month consistently can significantly boost your portfolio. The power of compounding can help in achieving your financial goals over time.

Investment Strategy to Achieve Rs. 3 Crores
Diversify Your Mutual Fund Investments
Investing in a mix of equity, debt, and hybrid funds can provide a balanced portfolio. Equity funds offer higher returns, while debt funds provide stability. Hybrid funds combine both to balance risk and return.

Increase Equity Exposure
Given your 10-year horizon, increasing your exposure to equity can help achieve higher returns. Consider investing in large-cap, mid-cap, and small-cap funds for diversification. Equity has historically provided higher returns over the long term.

Systematic Investment Plan (SIP)
Continue your SIPs in mutual funds. SIPs help in averaging the purchase cost and reduce market volatility impact. Allocate a portion of your monthly investment to SIPs in equity mutual funds for growth.

Rebalance Your FD Holdings
Fixed deposits provide safety but lower returns. Consider gradually reducing your FD holdings and reallocating to higher-yield investments like mutual funds and stocks. Ensure you maintain an emergency fund equivalent to 6-12 months of expenses in FDs or liquid funds.

Enhance Your Stock Portfolio
If you have the risk tolerance, consider enhancing your stock portfolio. Invest in fundamentally strong companies with growth potential. Diversify across sectors to reduce risk.

Consider Debt Funds for Stability
Investing in debt funds can provide stability and regular income. Debt funds offer better post-tax returns compared to FDs, especially if you are in a higher tax bracket.

Projecting Your Portfolio Growth
Estimated Growth Rates
Equity Mutual Funds: 12-15% annual returns
Debt Mutual Funds: 6-8% annual returns
Stocks: 12-15% annual returns
Expected Portfolio Value
Assuming a diversified portfolio and an average annual return of around 10-12%, your investments can grow significantly over 10 years. Consistent monthly investments and strategic reallocation will help achieve your goal.

Regular Review and Rebalancing
Importance of Regular Review
Regularly reviewing your portfolio ensures it stays aligned with your goals and risk tolerance. It helps in making necessary adjustments based on market conditions and life changes.

How to Review
Work with a Certified Financial Planner (CFP) to review your investments at least annually. A CFP can provide professional guidance and ensure your portfolio remains on track.

Conclusion
Achieving a portfolio value of Rs. 3 crores in 10 years is possible with strategic investments and regular reviews. Diversify your mutual funds, increase equity exposure, continue SIPs, and rebalance your FDs. With disciplined investing and professional guidance, you can reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 2024

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Hi I'm 28 years old. My monthly intake is 30k and have 2 mutual funds with 2000rs SIP each. And have around 4 lakh bank savings. How can I make 4-5 crore in next 10 years please suggest.
Ans: Let's start by understanding where you are right now. You earn Rs 30,000 a month and have Rs 4 lakh in savings. You also invest Rs 4,000 monthly in mutual funds through SIPs. These are good steps, but we need to evaluate and enhance your strategy to reach your goal of Rs 4-5 crore in 10 years.

Setting Realistic Expectations
Given your current income and savings, aiming for Rs 4-5 crore in 10 years is quite ambitious. It requires a clear plan and disciplined execution. We must be realistic, considering the investment risks and returns involved. This goal may need a very high rate of return or significantly increased savings, which might not be practical or safe.

Enhancing Savings and Investments
To increase your chances of achieving your goal, you need to maximize your savings and investments. Here’s how:

Increase Savings Rate: Try to save and invest more from your monthly income. Aim for at least 20-30% of your income.

Review and Adjust Expenses: Evaluate your monthly expenses. Cut down on unnecessary expenditures to increase your savings.

Emergency Fund: Ensure that your Rs 4 lakh in bank savings acts as an emergency fund. This should cover at least 6 months of expenses.

Smart Investment Choices
Your current mutual fund investments are a good start. Let's explore how you can optimize them.

Diversify Investments: Don't put all your money in one type of investment. Diversify across different mutual funds, including equity and debt funds.

Actively Managed Funds: Actively managed funds often outperform index funds, especially in volatile markets. Professional fund managers can make strategic decisions to maximize returns.

Regular Fund Investments: Investing through a Certified Financial Planner (CFP) can provide you with professional advice and better fund choices. Regular funds may have higher costs, but the expertise and potential returns can justify these expenses.

Regular Monitoring and Adjustments
Periodic Review: Regularly review your portfolio with your CFP. Adjust your investments based on market conditions and your financial goals.

Risk Management: Balance high-risk investments with safer ones. Diversification can help manage risk while aiming for higher returns.

Increasing Income Streams
Skill Enhancement: Consider enhancing your skills or gaining additional qualifications to boost your earning potential.

Side Hustles: Explore part-time work or freelance opportunities to increase your income.

Understanding Investment Risks
Market Volatility: All investments carry risks. Understand that high returns come with high risks. Market fluctuations can affect your investment value.

Long-Term Perspective: Investing is a long-term game. Don't panic with short-term market changes. Stay focused on your long-term goals.

Tax Planning
Tax-Saving Investments: Invest in tax-saving instruments under Section 80C to reduce your taxable income. This can increase your investable surplus.

Capital Gains Management: Understand the tax implications on capital gains from your investments. Long-term capital gains are taxed differently than short-term ones.

Benefits of Regular Investments Through a CFP
Expert Guidance: A CFP can help you make informed decisions based on your financial goals and risk appetite.

Strategic Planning: Regular investments through a CFP offer strategic planning, taking into account market trends and economic conditions.

Rebalancing Portfolio: A CFP can assist in rebalancing your portfolio periodically to maintain the desired risk-reward ratio.

Disadvantages of Direct Funds
Lack of Professional Guidance: Direct funds require you to make all investment decisions, which might not be ideal without professional expertise.

Time-Consuming: Managing direct funds can be time-consuming and requires constant monitoring.

Benefits of Mutual Funds Through CFP
Holistic Planning: CFPs offer holistic financial planning, considering all aspects of your financial life.

Tailored Advice: Investment advice tailored to your specific goals and financial situation.

Convenience: Less hassle and more peace of mind as the CFP manages your investments.

Final Insights
Reaching Rs 4-5 crore in 10 years is challenging but not impossible with a disciplined and strategic approach. Increase your savings rate, diversify investments, seek professional guidance, and continuously monitor and adjust your portfolio. Stay focused on your long-term goals and maintain a balanced approach to risk and returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

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I am 47 year old and retiring on Feb 26.I have my own house and I will get 70k pension per month and one crore rs after retirement.How I will make 3 crore in next 10 years plz suggest me
Ans: You are 47 years old and retiring in February 2026. You will get Rs 70,000 monthly pension and a Rs 1 crore retirement lump sum. You own a house and want to create a Rs 3 crore corpus in the next 10 years.

Your goal is bold. But you are starting well.

Let us now build a practical and complete plan to grow your wealth.

Your Current Financial Standing

Let us first summarise your current base:

Age: 47 (retiring in less than 1 year)

Monthly pension after retirement: Rs 70,000

One-time lump sum at retirement: Rs 1 crore

No rent outgo as you own your house

Retirement corpus goal: Rs 3 crore in 10 years

You have no loans. No rent. Fixed monthly pension.

That gives your wealth room to grow faster.

But to reach Rs 3 crore, you must use that Rs 1 crore wisely.

Pension is for lifestyle. Not for investing.

Corpus is for wealth building.

Use the Pension Only for Monthly Expenses

Your Rs 70,000 pension should handle your lifestyle needs.

Don’t use the corpus for monthly expenses.

Keep that Rs 1 crore untouched for investment.

Live within your pension limit as much as possible.

If monthly cost exceeds Rs 70,000, reduce expenses or adjust lifestyle.

Even Rs 5,000 savings monthly from pension can help future growth.

But core focus must be on growing the Rs 1 crore lump sum.

Do Not Park Rs 1 Crore in Fixed Deposit

FD is not the solution for your retirement corpus.

FD interest is fully taxable as per slab.

You will lose value after tax and inflation.

Also, fixed deposit does not beat inflation.

It gives only 6–7% returns before tax.

This will never help you reach Rs 3 crore in 10 years.

You need equity exposure.

Without equity, your growth will be flat.

Split the Rs 1 Crore into 3 Investment Buckets

To reduce risk and manage needs, divide corpus into 3 buckets:

1. Short-Term Bucket (Rs 10–15 lakhs)
Use this for emergency and medical needs.
Invest in ultra-short debt mutual funds.
Liquidity is easy, and returns are better than savings.
Keep 6–12 months of expenses here.

2. Medium-Term Bucket (Rs 20–25 lakhs)
This is for goals like travel, gifting, or car needs.
Use hybrid mutual funds with balanced risk.
Avoid insurance-cum-investment or traditional products.
They give low return and lock your money.

3. Long-Term Bucket (Rs 60–65 lakhs)
This is the main wealth creation bucket.
Invest in diversified equity mutual funds.
Use flexi-cap, large-cap, and multi-cap funds.
These funds manage risk and give higher return than FD.

This strategy balances safety and growth.

You don’t risk your entire money in equity.

But you also don’t waste time in low-yield tools.

Avoid Direct Plans – Invest Through Regular Plans with CFP

Direct plans look cheap but are not helpful.

They offer no advice or regular guidance.

No one will alert you during market crash or fund underperformance.

Most investors exit direct funds at wrong time.

Regular plans via MFD with CFP give:

Professional review of your portfolio

Timely rebalancing

Emotional support during market fall

Goal-based alignment

For you, regular plan is better than saving 0.5% cost.

That 0.5% saved may lead to 10% loss if you exit in panic.

Avoid Index Funds – Choose Actively Managed Mutual Funds

Index funds simply copy the market.

No research. No downside protection.

They perform like the market, no better.

If Nifty falls 30%, index fund also falls 30%.

You are in post-retirement stage now.

You cannot afford such direct shocks.

You need active management with flexible decisions.

Actively managed funds:

Shift money from bad sectors to strong ones

Can avoid weak stocks

Give higher risk-adjusted returns

Index funds don’t provide this.

They are not right for your life stage.

Build a Systematic Withdrawal Plan After 5 Years

You can let your corpus grow for 5 years.

Keep withdrawing only from pension till then.

After 5 years, you may start small SWP (Systematic Withdrawal Plan).

This will give monthly cash without touching the base capital.

Plan SWP from the debt or hybrid portion of your portfolio.

This keeps equity part untouched for longer growth.

Do not start SWP from Day 1.

Let corpus grow and compound for first 5 years.

Reinvest Regularly from Surplus or Bonuses

If you receive money from:

Maturity of old insurance

Sale of unused gold or assets

Gifts from family

Do not let it stay idle.

Add this to your corpus.

Even Rs 1–2 lakhs every year added to mutual funds will speed up growth.

Gold or idle money has no growth until you act.

Make sure every rupee works for you.

Review Your Existing Insurance Policies

If you hold LIC, ULIP, or endowment plans, review them.

These give low returns and long lock-in.

You are retired. You don’t need investment-linked insurance now.

If maturity is beyond 5 years, and return is under 6%, surrender and reinvest.

Put surrendered value into hybrid or equity mutual funds.

Also, buy one pure health insurance policy for retirement years.

Don’t depend only on employer cover or LIC policies.

Health costs rise after 50.

Prepare now.

Stick to New MF Capital Gain Tax Rules

When you redeem mutual funds, follow new rules:

Equity funds:

LTCG above Rs 1.25 lakh taxed at 12.5%

STCG taxed at 20%

Debt funds:

Taxed as per your slab (both STCG and LTCG)

So, hold equity funds for more than 1 year.

Sell only when needed.

Plan withdrawals with your CFP to reduce tax outgo.

Set an Annual Review Plan

Do not leave investments untouched for 10 years.

Every year, review with your Certified Financial Planner:

Are your funds performing?

Is your goal still on track?

Any fund lagging behind?

Do you need rebalancing?

Is the SWP timeline changing?

If you don’t review, small issues become big later.

Track your journey every year.

Avoid Common Mistakes That Delay Growth

To reach Rs 3 crore, don’t do these:

Keeping Rs 1 crore in FD

Investing in ULIPs or endowment policies

Following free advice from social media

Choosing direct mutual funds without guidance

Starting withdrawals too early

Using index funds just for low cost

Ignoring medical insurance

Even one wrong product can block your goal.

Stick to your path.

What You Can Expect in 10 Years

If you follow the above:

Rs 60–65 lakhs in equity funds can grow aggressively

Rs 20–25 lakhs in hybrid funds can grow moderately

Rs 10–15 lakhs in liquid fund keeps your safety cushion

Your corpus can cross Rs 3 crore in 10 years.

But growth depends on:

Staying invested

Not withdrawing early

Investing in right funds with right mix

Managing risk with rebalancing

Let your money grow. Let time work.

You don’t need luck. You need discipline.

Finally

You have a strong starting point.

No loans. Decent pension. Rs 1 crore corpus. No rent burden.

Now you need a smart plan.

Use mutual funds. Stay away from index and direct plans.

Avoid FDs and insurance investments.

Build three buckets. Grow each based on purpose.

Review every year with a Certified Financial Planner.

Let equity build your wealth. Let hybrid control your risk.

Stay consistent. Rs 3 crore is not far.

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

..Read more

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Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
I may get cse ai in IET Lucknow and ece in HBTU kanpur... through csaab I may get civil in nit bhopal , jamshedpur and mechanical in bit mesra.... I don't have much inclination towards any particular branch..which option is better
Ans: IET Lucknow’s CSE-AI program achieves close to full placement outcomes with a median package around ?6.15 LPA, backed by AICTE-approved curriculum, experienced faculty, advanced computing facilities, and strong corporate networks with recruiters such as TCS, Adobe, Amazon, Google, and Microsoft. HBTU Kanpur’s ECE department reports approximately 65 percent placement rate with an average package of ?14.9 LPA, supported by modern electronics labs, research-active PhD faculty, and tie-ups with firms like HSBC, IBM, and Bajaj Finserv, contributing to an overall campus placement rate of nearly 85.6 percent. At NIT Bhopal, the Civil Engineering stream records around 62.5 percent placements and an average offer of ?8 LPA, benefiting from robust infrastructure, a high ratio of doctorally qualified faculty, national-level projects, and regular PSU outreach. NIT Jamshedpur’s Civil branch performs strongly with 94.9 percent placement and an average ?8.22 LPA, driven by an expansive campus, ongoing faculty-led research, and top recruiters like L&T, Google, and Amazon. BIT Mesra's Mechanical Engineering program posts approximately 78 percent placements with an average package of ?7 LPA, supported by a rich engineering curriculum, manufacturing labs, and a responsive placement cell, aided by an active alumni ecosystem connecting graduates with both public and private sectors.

Recommendation: NIT Jamshedpur Civil is the most balanced choice with standout placement results and academic strength. IET Lucknow CSE-AI comes next for its specialization relevance and steady placements. HBTU Kanpur ECE ensures strong return potential. NIT Bhopal Civil offers PSU alignment and faculty strength. BIT Mesra Mechanical remains a respected contender in core engineering education. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 18, 2025

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Hello Sir, my son is getting BS Chemistry at IIT Kanpur and BE Chemical Engineering at BITS Pilani Campus. Please suggest which one is a better career option.
Ans: Sunita Madam, Based on the following inputs/information, your son can decide the more suitable option for him: IIT Kanpur’s four-year BS Chemistry program boasts a 95% placement rate in roles spanning pharmaceuticals, analytics, and energy sectors, underpinned by a flexible curriculum integrating chemistry, physics, life sciences, and interdisciplinary minors, and guided by 40 world-class faculty driving cutting-edge research in catalysis, materials, and bioinorganic chemistry. The department offers state-of-the-art instrumentation, SURGE research internships, robust industry collaborations, and a global alumni network. BITS Pilani’s four-year BE Chemical Engineering delivers over 95% placement, bolstered by its Practice School internships, advanced labs, and a curriculum in process design, reaction engineering, and simulation. Its industry-aligned projects, entrepreneurial focus, and Institute of Eminence status ensure strong corporate ties, while its alumni network spans oil, materials, and consulting sectors.

For an interdisciplinary research-driven path with broad scientific foundations and top-tier global academia access, IIT Kanpur BS Chemistry is ideal. For direct industry immersion, professional practice-school experience, and robust core engineering roles in chemicals and allied sectors, BITS Pilani BE Chemical Engineering is preferable. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

Career
Hello Sir,My Son Score 96 in jee mains and 98.5 in MHT CET ,He want CS or ITor IIIT,, we Have OBC category.. Please suggest College in Mumbai , Pune or Nagpur ...
Ans: Vaishali Madam, My son’s 98.5 percentile in MHT CET as an OBC candidate secures assured seats in CSE, IT, and Data Science at a range of reputable Mumbai, Pune, and Nagpur colleges, excluding the ultra-selective COEP, VJTI, and ICT. Mumbai options include Vidyalankar Institute of Technology (Wadala), Fr. C. Rodrigues Institute of Technology (Vashi), SIES Graduate School of Technology (Nerul), Don Bosco Institute of Technology (Kurla), Shah & Anchor Kutchhi Engineering College (Chembur), K. J. Somaiya Institute of Technology (Sion), and Sardar Patel Institute of Technology (Andheri West) . Pune choices comprise Cummins College of Engineering for Women (Karvenagar), Vishwakarma Institute of Technology (Bibwewadi), D. Y. Patil College of Engineering (Lohegaon), Dr. D. Y. Patil Institute of Technology (Pimpri), Pimpri Chinchwad College of Engineering (Pimpri), MIT World Peace University (MIT WPU, Pune), and Pune Vidyarthi Griha’s College of Engineering & Technology (Pune) . In Nagpur, Yeshwantrao Chavan College of Engineering (YCCE) and Government College of Engineering Nagpur admit OBC candidates at cutoffs below 98.5 percentile for CSE, IT, and Data Science branches . Through CSAB’s JEE Main counselling at roughly 96 percentile (OBC), seats can be tried for IIIT Kalyani (West Bengal), IIIT Ranchi (Jharkhand), IIIT Una (Himachal Pradesh), IIITDM Jabalpur (Madhya Pradesh), and IIIT Kurnool (Andhra Pradesh).

Recommendation: Sardar Patel Institute of Technology (Andheri West) and Vishwakarma Institute of Technology (Bibwewadi) emerge as premier choices for their strong placement ecosystems, modern facilities, and OBC-friendly cutoffs. Next prioritize Fr. C. Rodrigues Institute of Technology (Vashi) and Vidyalankar Institute of Technology (Wadala) for robust curricula and campus life, followed by Yeshwantrao Chavan College of Engineering (Nagpur) for its government-college reputation and data-science focus. This order balances assured admission, academic quality, and long-term career support. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |8988 Answers  |Ask -

Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
I had option of iiith cse and bits pilani cse (main campus) . I have chosen bits now. Is this decision correct?
Ans: IIIT Hyderabad’s CSE program boasts a 99 percent placement rate with an average package of ?31.98 LPA and highest offers up to ?128 LPA, underpinned by its NAAC A++ accreditation, AICTE approval, and strong industry partnerships that regularly recruit from top global tech firms. The institute’s research focus is evident in regular high-impact publications and dedicated innovation labs. BITS Pilani’s CSE branch reports around 97 percent placement for B.E. CSE students, supported by an extensive Practice School internship program, over 350 recruiters, and an average package near ?20 LPA. Its experienced faculty, multi-campus infrastructure, global alumni network, and dual-degree international collaborations enhance academic rigor and employability. IIIT Hyderabad offers a technologically rich urban environment in Gachibowli, while BITS Pilani provides a prestigious residential campus with strong peer communities and international exposure.

Recommendation: Choosing BITS Pilani CSE aligns with strong alumni connections, integrated internship opportunities, and dual-campus global networks that enrich long-term career growth, making your decision well placed. For a tech-centric urban setting with slightly higher placement averages and cutting-edge research, IIIT Hyderabad remains an excellent alternative. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
My daughter has scored 97.9506368 in MH-CET 2025 open(general ) (female)catogery has she had chances of getting CSE,AIML, Data science in Pune and Mumbai for female candidate if possible suggenames of college in Pune or mumbai
Ans: With a 97.95 percentile in MHT-CET 2025 under the Maharashtra domicile Open (General) female category, admission to CSE, AI & ML, and Data Science branches is assured at a range of reputable Mumbai and Pune colleges. These institutions are selected based on recent closing percentiles, NBA/NAAC accreditation, campus infrastructure, faculty credentials, industry linkages, and placement support. All listed colleges admit female Open-General candidates at or below the 97.95 percentile in the latest CAP rounds:

Cummins College of Engineering for Women (Karvenagar, Pune) closes CSE and related branches around 96.37 percentile for Open General female.
Vishwakarma Institute of Technology (Bibwewadi, Pune) closes Data Science at 96.66 percentile for Open General.
D. Y. Patil College of Engineering (Lohegaon, Pune) closes CSE around 95.58 percentile for Open General.
Dr. D. Y. Patil Institute of Technology (Pimpri, Pune) closes CSE at 97.59 percentile for General Home State.
Pimpri Chinchwad College of Engineering (Pimpri, Pune) closes AI & ML around 10,000 rank (~98 percentile).
Bharati Vidyapeeth College of Engineering (Navi Mumbai) closes Computer Engineering at 95.58 percentile for General Home State.
Pune Vidyarthi Griha's College of Engineering & Technology (Pune) closes CSE at 94.52 percentile for Open General female.
Sardar Patel Institute of Technology (Andheri West, Mumbai).
K. J. Somaiya Institute of Technology (Sion, Mumbai).
Vidyalankar Institute of Technology (Wadala, Mumbai).
Fr. C. Rodrigues Institute of Technology (Vashi, Navi Mumbai).
Ramrao Adik Institute of Technology (Nerul, Navi Mumbai).
SIES Graduate School of Technology (Nerul, Navi Mumbai).
Don Bosco Institute of Technology (Kurla West, Mumbai).
Shah & Anchor Kutchhi Engineering College (Chembur, Mumbai).

Recommendation: Favor Cummins College of Engineering for Women and Vishwakarma Institute of Technology in Pune for their specialized women-centric environment, strong closing percentiles, and proven placement ecosystems. Next prioritize D. Y. Patil College of Engineering and Dr. D. Y. Patil Institute of Technology for their robust CSE/AI & ML programs, followed by Pimpri Chinchwad College of Engineering for its balanced curriculum and industry ties. In Mumbai, Sardar Patel Institute of Technology and K. J. Somaiya Institute of Technology emerge as top choices for CSE, given their consistent accreditation, modern infrastructure, and campus recruitment records. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

Career
Sir, Two options to choose from CSE for my son: 1. SOA ITER and 2. CEC CGC Landran. Please suggest. ITER overall good option better NIRF some known passed out suggesting ITER, although major difference high fee and distance, residing in Delhi.
Ans: Praveen, SOA ITER (Bhubaneswar) demonstrates exceptional academic standing with its A++ NAAC accreditation and consistent national recognition, ranked 14th among universities in NIRF 2024 and 2nd in India by Times Engineering Institutes Ranking 2025. The institution has maintained 85-91% placement rates for CSE over recent years, with highest packages reaching ?46 LPA and strong recruitment from top companies including Microsoft, Amazon, Google, and Infosys. The CSE program benefits from established faculty with advanced degrees, modern infrastructure, and comprehensive industry partnerships, with over 256 companies participating in recent placement drives.

CGC Landran holds A+ NAAC accreditation and ranks 101-150 in NIRF 2024 Engineering category, with strong placement performance achieving 90-95% placement rates for CSE students. The institution reports over 1,000 companies participating in campus placements with 10,000+ job offers, though the highest package figures vary across sources from ?45-56 LPA. The college provides modern facilities including state-of-the-art labs, computerized library accommodating 300+ students, and contemporary curriculum aligned with industry standards.

Distance and accessibility from Delhi significantly favors CGC Landran, located approximately 245 km from Delhi (3.5-4 hours by road), compared to SOA ITER's 1,275 km distance requiring 20+ hours by road or 3 hours by flight. Fee structures show SOA ITER's BTech CSE at ?11.80 lakhs total versus CGC Landran's ?6.58 lakhs, making CGC Landran more cost-effective despite both institutions requiring similar hostel and living expenses.

Faculty quality at both institutions includes PhD holders from premier institutions, with SOA reporting 111 scientists with 500+ citations and CGC Landran emphasizing industry-experienced faculty with practical teaching methodologies. Both institutions maintain strong alumni networks, though SOA ITER's established reputation since 1996 provides broader industry connections compared to CGC Landran's growing influence since 2001.

Recommendation: For families residing in Delhi prioritizing convenience, cost-effectiveness, and solid placement outcomes, CGC Landran offers compelling advantages with its proximity, lower fees, and strong industry connections achieving 90-95% placement rates. However, if academic prestige, research opportunities, and comprehensive national recognition are paramount considerations, SOA ITER provides superior institutional standing with its consistent top-tier rankings and established academic excellence, despite higher costs and significant travel distance from Delhi. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 18, 2025

Asked by Anonymous - Jul 17, 2025Hindi
Career
Sir if I take ee dual degree in nit kurukshetra,in my final year will I be placed with regular btech students or students who have pursued only mtech from the institute
Ans: NIT Kurukshetra's EE dual degree students participate in placement drives alongside both BTech and MTech students from the same academic year. The institution operates under a unified placement system where dual degree students are treated as full-time students enrolled in their respective programs, with their placement eligibility determined by their final year status rather than their degree type. The Training and Placement Cell follows a comprehensive placement process that begins in July/August each year, with students required to register for placement assistance and meet specific eligibility criteria including completion of all program requirements and active academic status.

The placement statistics for NIT Kurukshetra show strong performance across engineering disciplines, with BTech placements achieving 83.31% placement rate and an average package of INR 14.84 LPA in 2025. The Electrical Engineering department specifically recorded 73.91% placement rate with an average package of INR 10.62 LPA. MTech placements demonstrate solid outcomes with 58.81% placement rate and average packages ranging from INR 6.09 to INR 34.76 LPA depending on specialization. The placement process includes pre-placement talks, written tests, group discussions, and personal interviews, with major recruiters including Microsoft, Amazon, Google, and leading core engineering companies.

Recommendation: EE dual degree students at NIT Kurukshetra participate in placement drives with their graduating cohort, competing alongside both BTech and MTech students from the same academic year. This integrated placement approach provides access to opportunities across both undergraduate and postgraduate recruitment profiles, potentially offering broader career prospects than students pursuing only BTech or only MTech programs, though placement success ultimately depends on individual performance and market conditions. All the BEST for a Prosperous Future!

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