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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 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 - Apr 13, 2024Hindi
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I am 45 and in a transferable job changing location every few years. I own a house at a location which has not come up the way I had expected. I am renting out the house at a monthly rental of 20000. I want to move out of the present location so I am considering about selling my house. I can expect around 1 Cr for the house. After paying away the loan and tax, I expect to have 65-70 lacs with me. With the going prices, I may not get a suitable house at a location of my liking. Therefore, I was thinking of investing the amount in an index fund for a period of 15 yrs and build a corpus using which I can buy a house then when I am ready to settle down. My family comprises of wife and three school going kids. Is it advisable to follow through the thought process. Kindly advise.

Ans: Considering your circumstances, investing the proceeds from selling your house in an index fund for a period of 15 years could be a prudent approach to building a corpus for future property purchase. Here's a breakdown of the considerations:

Transferrable Job: Given your job's nature, investing in a property at your current location may not be feasible or advisable due to potential frequent relocations. Therefore, investing in financial assets like an index fund offers flexibility and liquidity, allowing you to access funds when needed, irrespective of your location.

Rental Income: While renting out your current property generates monthly income, if the location hasn't appreciated as expected and you plan to move, selling the property could unlock a significant sum. Investing the proceeds can provide long-term growth potential, ensuring financial stability for your family.

Index Fund Investment: Index funds offer diversification and long-term growth potential by tracking a market index's performance. Over 15 years, you can benefit from compounding returns, potentially building a substantial corpus for future property purchase.

Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.

Family Considerations: As your family comprises your wife and three school-going kids, ensuring financial security and stability is paramount. Investing in an index fund aligns with your long-term financial goals and can provide for your family's future needs, including housing.

Market Volatility: While index funds offer attractive benefits, it's essential to be aware of market volatility and fluctuations. However, over a 15-year period, market ups and downs tend to balance out, and investing systematically through SIPs can mitigate timing risks.

Financial Planning: Consider consulting with a Certified Financial Planner to develop a comprehensive financial plan tailored to your specific goals and circumstances. They can help assess your risk tolerance, optimize your investment strategy, and ensure alignment with your long-term objectives.

In conclusion, investing the proceeds from selling your house in an index fund for future property purchase is a sound strategy, considering your job's transferable nature and desire for flexibility. With careful planning and a long-term perspective, you can work towards building a substantial corpus to secure your family's housing needs.

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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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Mar 06, 2023

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Sir, I am 27 years old and my goal is to buy house of 1 cr after 5 years and collect good amount of money for its down payment at least 50% of it I am planning to start following sip HDFC nifty 50 index fund -15000 HDFC nifty next 50 index fund -15000 Canara robecco ELSS fund -4000 Quant tax plan direct growth -4000 Canara robecco small cap fund-2500 Quant small cap/axis small cap fund -2500 Should I invest more than above specified in funds . Please comment on selection of mutual fund and amount and changes in fund and amount to achieve goal. Thankyou in anticipation.
Ans: Hi Murgendra, thank you for writing in.

I notice you are currently investing around 70% of your funds in index funds, HDFC Nifty 50 & HDFC Nifty Next 50. With this, your portfolio returns will mostly mirror index returns.

You can consider investing Rs.10,000 in HDFC Nifty 50 Index Fund and Rs.10,000 in HDFC Nifty Next 50 Index Fund & invest the balance Rs.10,000 as follows:
1-SBI Magnum Midcap Fund-Growth Rs.5,000
2-Franklin India Smaller Companies Fund- Growth Rs.5,000

This will give you more midcap and smallcap exposure that have the potential to outperform the index and help you generate higher returns.

To create a corpus of Rs.50 Lakh in 5 years, you will need to invest around Rs.60,500 per month, that is increase your SIP’s by Rs.17,500. You need not invest in any new schemes, but simply increase the SIP amounts in the same proportion.

Annual step ups of around 10% will help you achieve your goals faster.

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Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

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Hi I purchased my parents house by paying half amount to my brother and paying a loan of 45k per month now the property value is in good appreciation but lacking in financial stability I want to sell my property now and purchase new property in outskirts of city and want to invest 10 percent in mutual fund and remaining amount to do fd with monthly income is it a good move
Ans: You purchased your parents’ house by paying your brother’s share and taking a loan. Now, the property value has appreciated, but you face financial instability. You are considering selling the house, buying another one on the outskirts, investing 10% in mutual funds, and putting the rest in fixed deposits (FDs) for monthly income. Let’s analyse if this is a good decision.

Financial Challenges of Holding the Current Property
High Loan EMI Pressure

You are paying Rs 45,000 per month as EMI. This is a financial burden if your income is not stable.

Liquidity Issues

Most of your wealth is locked in the property. You may not have enough emergency funds.

Opportunity Cost

The property value has increased, but it does not generate regular income. Holding the house may not be the best financial choice.

Selling and Buying Another Property: Pros and Cons
Advantages of Selling
Debt-Free Life

If you sell, you can clear your home loan. This removes EMI pressure.

Better Financial Stability

You will have liquid funds to manage your expenses and investments.

Disadvantages of Buying Another Property
New Property May Not Appreciate Quickly

Properties in city outskirts may take longer to appreciate. Demand is usually lower.

Additional Costs Involved

Buying a new house involves stamp duty, registration fees, maintenance, and taxes.

Liquidity Issues Continue

If you reinvest in another house, you may again face cash flow problems.

Investment Plan for Better Stability
You are considering investing 10% in mutual funds and putting the rest in FDs for monthly income. Let’s evaluate this plan.

Mutual Fund Investment: A Better Approach
Growth Potential

Mutual funds offer inflation-beating returns over the long term.

Flexibility

You can withdraw through a Systematic Withdrawal Plan (SWP) instead of locking funds in an FD.

Tax Efficiency

Long-term capital gains tax on equity funds is only 12.5% above Rs 1.25 lakh. This is better than FD taxation.

Fixed Deposits: Limited Benefits
Lower Returns

FD interest rates are lower than inflation. This reduces your purchasing power over time.

Tax Disadvantage

FD interest is taxed as per your income slab. This reduces your post-tax earnings.

Lack of Growth

FDs do not allow wealth accumulation over time.

Better Strategy for Financial Stability
Sell the Current House to Reduce Debt

This removes EMI stress and improves your financial flexibility.

Avoid Buying Another House Immediately

Instead, rent a house in the desired location. This keeps your money liquid.

Diversify Investment

Allocate a portion to mutual funds for long-term wealth creation.

Keep some funds in short-term debt funds instead of FDs for better tax efficiency.

Maintain an emergency fund in a savings account or liquid funds.

Finally
Selling the house is a good decision if you struggle with financial stability.

Avoid locking funds in another house, as it may cause liquidity issues.

Invest wisely in mutual funds and liquid assets for a balanced financial future.

A Certified Financial Planner (CFP) can guide you on tax-efficient investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi
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i need guidance. i am 63 yrs with housing loan of 70lakh. Only asset is a house with market value 2 crore. i have 2 daughters to be married. I need to retire and start my practice as doctor. Guie me to a investment to live with 30000 monthly and to buy a house 0f 8 lakhs after disposing the property/ Presently earning 1.5L per month. pl suggest. shud i sell the property
Ans: Your situation requires a well-thought-out financial strategy. You have a housing loan of Rs 70 lakh, a house worth Rs 2 crore, and a need for Rs 30,000 per month after retirement. Additionally, you plan to buy a house worth Rs 8 lakh and have two daughters to be married. Below is a structured approach to help you achieve financial stability.

Selling the Property – A Necessary Step?
Selling your house is a practical option. Your outstanding loan is Rs 70 lakh, and the house is worth Rs 2 crore.

After repaying the loan, you will have Rs 1.3 crore. This can be used for investments and future expenses.

If you continue living in this house, EMIs will be a burden. Selling will free you from debt and give you financial stability.

Consider renting a home instead of buying again. This will keep more money available for investments.

Buying a House for Rs 8 Lakh
If you want to buy a smaller house for Rs 8 lakh, use only a small portion of your funds.

Avoid taking another loan. Pay for the house in full from the sale proceeds.

Ensure the house is in a location with good facilities, medical access, and safety.

Creating an Investment Plan for Rs 1.3 Crore
After selling your house and clearing the loan, you will need an investment plan.

Keep Rs 10-15 lakh in a bank FD or liquid mutual funds. This will act as an emergency fund.

Invest Rs 30-40 lakh in debt mutual funds. These provide stability and liquidity.

Invest Rs 50 lakh in equity mutual funds for long-term wealth growth. Use regular plans with a Certified Financial Planner.

Keep Rs 10-15 lakh in a balanced fund for moderate returns with lower risk.

Generating Rs 30,000 Monthly Income
Debt mutual funds can provide a stable withdrawal option. Withdraw systematically for monthly expenses.

Use a mix of dividend and growth options. This ensures you get both regular income and capital appreciation.

Equity funds will provide growth, helping you sustain your money for 20-25 years.

Managing Daughters’ Marriage Expenses
If you need Rs 20-30 lakh for each daughter’s wedding, set aside Rs 40-60 lakh from the sale proceeds.

Invest this amount in a mix of debt and equity funds. This will help you reach your goal in a few years.

Avoid withdrawing from your retirement corpus for wedding expenses.

Starting Your Medical Practice
If you plan to start a medical practice, keep Rs 10-20 lakh for setting it up.

Avoid heavy investments in infrastructure initially. Work from an existing clinic or shared space.

Ensure you have medical indemnity insurance to protect yourself.

Final Insights
Selling your house will give you financial freedom and remove loan pressure.

Invest wisely to generate a steady monthly income and secure your daughters' futures.

Do not invest in real estate again. Keep your funds liquid and flexible.

Work with a Certified Financial Planner to review your investments regularly.

Focus on financial security rather than high-risk investments.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 2025

Asked by Anonymous - Jun 16, 2025Hindi
Money
I'm 30, married and have a girl child of 10 months old. My take home salary is 1,18,000 per month and only single earning member of my family. I don't have a SIP, but every month after my salary is credited, within 5 days I invest 10000 in mutual fund and 5000 in NPS. I give 10,000 every month to my wife, in which she invests 5000 in gold buying plan and remaining 5000 for her expenses. My Mutual Fund investment is 2,28,000 and its current value is 2,71,000. My NPS investment till now is 1,07,000 and its current value is 1,18,000. I have gold jewels of 50 sovereign. I live in a rented house of 12000 per month and my family monthly expenses are 20000. I don't have any cash savings because I had a family loan till now and cleared it very recently. I'm planning to buy a house worth 80,00,000 through loan. I don't want to get trapped into EMI for a very longer period, so I was thinking to sell the golds worth 20 lakhs and remaining 60 lakhs I'm planning to take loan and pay 70,000 EMI and finish the loan in 10 to 11 years and then divert that amount to buy gold. But somewhere I get a feel that my thought process is not right because after 11 years gold rates may be hiked nearly 2 times also. And also 70,000 EMI also feels riskier because it is more than 60% of my take home salary. So please advice how to proceed on buying house and how to arrange for funds with my available resources. One thing I can assure is my Job security.
Ans: You are in a pivotal financial phase.
You earn Rs. 1.18 lakh monthly.
You are the sole earner in a family of three.
You have a 10-month-old daughter.
You invest Rs. 10,000 monthly in mutual funds (lump sum).
You also invest Rs. 5,000 in NPS monthly.
Your mutual fund corpus is Rs. 2.71 lakh, NPS corpus is Rs. 1.18 lakh.
You gift Rs. 10,000 monthly to your wife (Rs. 5,000 for gold, Rs. 5,000 for expenses).
You live in rented accommodation for Rs. 12,000.
Family monthly expenses are Rs. 20,000.
You recently cleared a family loan.
You have no cash savings now.
You hold 50 sovereigns of gold.
You plan to buy a house worth Rs. 80 lakh.
You want to avoid long EMIs.
You plan to sell gold worth Rs. 20 lakh.
Take Rs. 60 lakh home loan with Rs. 70,000 EMI for 10–11 years.
You are wary because EMI would be ~60% of take-home.
You also think gold prices may double in 11 years.
Your job is secure.

Let us build a complete strategy for buying home and arranging funds wisely.

1. Assess Your Current Budget and EMI Capacity
Your total take-home income: Rs. 1.18 lakh.

Planned EMI of Rs. 70,000 is more than 50%.

Experts suggest EMI should be under 40% of income.

Yet, job security is high; but EMIs too high limit savings.

You have essential expenses of Rs. 32,000 (rent + family spends).

That leaves Rs. 78,000 discretionary.

EMI of Rs. 70,000 leaves little for investments and buffer.

This plan restricts financial flexibility and emergency readiness.

Insight: EMI structure must be reworked to support stable finances.

2. Review Your Proposed Funding Mix
You wish to sell gold worth Rs. 20 lakh.

Use proceeds to fund home down-payment.

Then take Rs. 60 lakh loan at Rs. 70,000 EMI.

Concern: gold may double in value by then.

Concern: high EMI strains cash flow.

Analytical Insight:

Gold is a non-income asset; selling may halt invisible pension.

EMI at 60% of income leaves little room for emergencies and raising child.

Child’s future expenses, education savings, and your retirement corpus may get delayed.

Recommendations follow for a balanced path.

3. Build a Cash Emergency Fund Before Applying for Loan
You have no cash savings now.
This is risky when taking home loan.
You must build at least 3–6 months of living expenses first.

Target: Rs. 2–3 lakh as a minimum buffer.
How:

Delay home loan by 3–6 months.

During this, divert your Rs. 10,000 monthly investment to savings buffer.

Once buffer is in place, emergency risk is mitigated.

4. Optimize Your Gold Asset Utilisation
You hold 50 sovereigns of gold.
Not all gold needs to be sold upfront.
Selling gold reduces your inflation hedge and potential gains.
But you also want to avoid high EMI.

Proposed plan:

Sell only gold worth Rs. 10 lakh.

Use those proceeds fully as down payment.

That reduces loan to Rs. 70 lakh instead of Rs. 80 lakh.

EMI on Rs. 70 lakh at 8% for 15 years is ~Rs. 67,000/month.

This is still high but better than Rs. 80 lakh EMI.

You retain gold as inflation hedge and child’s asset.

5. Select Loan Tenure Wisely
You aim for 10–11 year loan tenure.
Shorter tenure means higher EMI; longer EMI reduces EMI/balance stress.

Suggestion:

Opt for a 15-year loan at lower interest rate.

EMI around Rs. 67,000.

This reduces pressure compared to Rs. 70,000+ EMI.

This tenure also aligns with your child being 16 years old at EMI end.

It gives breathing room for education corpus building.

6. Structure a Balanced Post-Loan Investment Plan
Once down payment is done and loan is taken, you must allocate monthly surplus properly.

From Rs. 1.18 lakh income:

EMI: Rs. 67,000

Rent: Rs. 12,000

Family expenses: Rs. 20,000

Wife’s allocation: Rs. 10,000

NPS contribution: Rs. 5,000

Mutual fund investment: Refix your approach

This leaves Rs. 84,000 allocation cost → Surplus around Rs. 24,000.
(1,18,000 - 67,000 - 12,000 - 20,000 - 5,000 - 10,000 = Rs. 4,000)

Hold on: wife’s 10k includes her personal expense pipeline; count out separately.
So actual surplus after all necessary cash flows = ~Rs. 4,000.

This is not enough to save simultaneously.
You need to replan cash outflows carefully.

Recommendation: 3 steps:

7. Modify Wife’s Investment and Personal Cash Flow
Currently, wife receives Rs. 10,000 monthly gift.
She invests Rs. 5k in a gold buying plan and uses Rs. 5k for expenses.

When you sell Rs. 10 lakh gold, her gold savings reduce accordingly.
You can ask her to temporarily reduce gold savings to Rs. 2,000.
She can use the balance for monthly assistance or savings buffer.
This frees ~Rs. 3,000 extra monthly for your investment.

8. Re-allocate Your Monthly Savings Strategically
You currently invest Rs. 10,000 in MF and Rs. 5,000 in NPS monthly.

After loan EMI and reduced wife’s gold plan, you free roughly Rs. 7,000 more monthly.
You can allocate this as:

Keep NPS as Rs. 5,000

Invest Rs. 12,000 monthly in mutual funds or hybrid per structure below:

Revised distribution:

Equity SIP: Rs. 5,000

Hybrid balanced fund SIP: Rs. 3,000

Short-duration debt SIP: Rs. 2,000

Added reserve in liquid fund: Rs. 2,000

This helps maintain inflation resilience and risk management.

9. Roadmap for Loan Tenure and Prepayment
After EMI starts, plan to pre-pay extra when you get bonus.

For example, pay Rs. 1 lakh bonus into principal.

This reduces tenure and interest payout.

Maintain flexibility and review tenure every 1–2 years.

Stop prepayment only if family needs arise.

10. Preserve NPS and Maintain Tax-Efficient Investments
Maintain your Rs. 5,000 monthly NPS investment.

NPS is your retirement foundation; keep it ongoing.

Mutual fund investments give liquidity and growth flexibility.

Avoid index funds due to zero downside cushion.

Use actively managed equity and hybrid funds through regular plans.

Avoid direct funds due to lack of advisory support.

11. Build Longer-Term Emerging Goals
Your child is 10 months old; her education costs will arrive in 15+ years.
You need to begin education corpus planning separately:

Allocate a distinct education SIP of Rs. 5,000 per month.

Use a single diversified equity mutual fund.

Continue until she is 15; then move to balanced scheme near needed time.

Avoid mixing with home investment.

12. Create Future Buffer Using Mutual Foon Investments
You should create Rs. 1 lakh+ liquid buffer post EMI start.
You allocated Rs. 2k monthly to liquid fund.
This builds ~ Rs. 24,000 a year.
Use this for short-term needs, festivals, or emergencies.

13. Review Insurance Adequacy
You are earning Rs. 1.18 lakh; you need term insurance 15x earning → Rs. 1.8 crore.

Confirm if you have term cover that meets that amount.

You have no mention of term policy; arrange immediately.

Maintain existing health insurance for family.

Add coverage for child if needed.

Term insurance removes financial risk for your family if anything happens.

14. Regularly Monitor and Rebalance
Review your portfolio semi-annually.

Check equity vs hybrid vs debt proportions.

Shift investments if equity growth exceeds desired%

Revisit home loan tenure yearly.

Plan for major lumpsum payments with bonuses or increments.

15. Safeguard Against Mistakes
Avoid reducing salary pocket for EMI stress.

Don’t tie up cash in over?long gold saving plans.

Don’t pre-pay loan using your emergency buffer.

Don’t skip insurance simply to save monthly money.

Avoid high?interest loans in future (personal or credit).

16. Gradual Progress after EMI Period
After 6–7 years into loan:

Surplus capacity will improve.

Additional investments into equity/hybrid can resume.

Emergency fund will be in place.

Prepayments and planning will support retirement path

17. Path to Retirement Savings
You aim to buy a home and repay in 10–11 years.
Post-EMI, you can redirect EMIs to investment.
Your job is secure; this saves stress.

But consider:

Retirement at ~60 maybe now 10 years more away

Your existing MF + NPS + new investments will build corpus.

Goal clarity and consistent saving will lead to comfortable future.

Final Insights
Reduce EMI stress by selling only Rs. 10 lakh gold.

Choose 15-year loan with manageable EMI (~ Rs. 67,000).

Build emergency savings before loan start.

Restructure wife’s gold plan to free small surplus.

Revamp monthly savings into equity, hybrid, debt categories.

Maintain NPS, start child education fund separately.

Add term insurance to safeguard family.

Review and rebalance timely with CFP guidance.

Your plan is strong with secured job.
With measured changes, your dream home can be achieved without stress.
Your family's financial future will remain secure and flexible.

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 P  |9409 Answers  |Ask -

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Hi, my CRL in jee mains 2025 is 74351 and gen ews rank is 10547. I am a girl, i got alloted cse+ specialization in AI and data science in IIIT Manipur in josaa. I am from UP. What better college with branches like cse, ece, electrical or something other branches i can get in csab in up?
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Recommendation: IIIT Allahabad’s IT or CSE-AI branch stands out for its accessible EWS AI-quota ranks, advanced AI/DS labs and consistent industry tie-ups; MNNIT Allahabad’s ECE or Electrical Engineering under HS-EWS offers a UP-state edge, solid research and placement records; IIIT Lucknow’s CSE-AI remains a realistic All-India backup with strong curriculum and campus engagement. Consider IIIT Manipur only if these alignments remain unattainable. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 25, 2025

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Is east point college of engineering good for cse ???
Ans: Vicky, East Point College of Engineering and Technology (EPCET), established in 1999 and affiliated to Visvesvaraya Technological University, AICTE approval, NAAC “A” grade accreditation and NBA accreditation for its CSE program, ensuring recognized academic standards and continuous quality improvement. The Department of Computer Science & Engineering features specialized labs—including AI/ML, Cybersecurity, IoT & Blockchain, Data Structures, Networks, Embedded Systems and Project labs—providing hands-on experience on industry-standard hardware and PARAM supercomputers. The curriculum spans core subjects (algorithms, databases, networks), advanced modules (machine learning, cloud computing, blockchain) and mandatory internships, fostering critical thinking and practical skills. A dedicated placement cell records a 97% placement rate over the past three years, with top recruiters such as Amazon, Oracle, Bosch, IBM and Accenture visiting campus and average packages around ?7.5 LPA and peak offers up to ?25 LPA, demonstrating strong industry connect and student employability. Faculty participation in national/international seminars and collaborations with AWS, VMware, UiPath, Cisco and Texas Instruments reinforce research orientation and industry engagement. Student feedback notes highly organized campus drives but suggests more proactive semester-long career mentoring; this can be addressed by regular industry-aligned workshops and stronger alumni-student mentorship networks. Resource constraints during peak placement periods can be mitigated by staggered recruitment schedules and enhanced soft-skills training integrated into the curriculum.

Recommendation
EPCET’s CSE program excels in accreditation, modern labs, research-active faculty and robust placement support, making it a reliable choice. Strengthening continuous placement mentoring and structured industry-interaction forums will elevate student readiness. Prospective students seeking a blend of rigorous academics and commendable campus recruitment should consider EPCET for CSE, while engaging actively in workshops and alumni networks to maximize opportunities. All the BEST for a Prosperous Future!

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Dr Shyam

Dr Shyam Jamalabad  |104 Answers  |Ask -

Dentist - Answered on Jul 25, 2025

Asked by Anonymous - Jul 18, 2025Hindi
Health
am 16 yr old . I have little misaligned teeth in the lower jaw teeth ( only one teeth crossed it's orientation another teeth is behind front teeth ) ? Is braces necessary? Which age is best for putting them? is it ok to put later ?
Ans: Hello

Braces might be a good option for you, considering your age and the misalignment issues you're experiencing.

*Necessity of Braces:* Braces could help correct and prevent potential problems like uneven wear, tooth decay or gum disease.
You can choose orthodontic treatment for aesthetic/cosmetic correction

*Best Age for Braces:*
The teenage years are actually an ideal time for orthodontic treatment. During this period, your jaw and teeth are still developing, making it easier to correct alignment issues. Most orthodontists recommend an initial consultation around age 7, but comprehensive treatment usually starts when most permanent teeth have emerged, around 11-15 years old.

*Getting Braces Later:*
It's totally okay to get braces later in life. Many adults choose to straighten their teeth for aesthetic and health reasons. While treatment might take a bit longer for adults, the results are just as effective.
Firstly, you need to ascertain if the misalignment is causing, or is likely to cause in future, any functional problem like biting your lips or cheek, difficulty in mastication, difficulty in speaking, or food lodgement.
You could, of course, choose treatment purely for aesthetic reasons.
The next step would be to consult with an orthodontist who can assess your teeth and provide personalized advice. They'll help you determine the best course of treatment and create a plan suited to your needs

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Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Career
I got 77.17 %ile and I'm in sc category. Which college can get in Pune ?
Ans: With a 77.17 percentile in MHT-CET under the category and Maharashtra domicile, admission is assured in several AICTE-approved, NBA-/NAAC-accredited Pune institutes that meet five key benchmarks—statutory approvals, cut-off compatibility, ≥70 percent placement consistency, advanced labs, and formal industry tie-ups. Fifteen colleges where your percentile comfortably exceeds last-round SC closing percentiles include Government College of Engineering & Research, Avasari Khurd – Ambegaon BK (Civil, Mechanical, Instrumentation; SC cut-off ~75), D. Y. Patil Institute of Technology – Pimpri (Civil, Mechanical, E&TC; SC last-round ~76.54), Pimpri Chinchwad College of Engineering – Nigdi (AI&DS, Mechanical; SC cut-off ~88 for CSE but branches like Civil close ~77), Pimpri Chinchwad College of Engineering & Research – Ravet (Civil, E&TC; SC friendly cuts), PVG’s College of Engineering & Technology – Pune (Civil, Mechanical; SC ~80), MIT Academy of Engineering – Alandi (Civil, Mechanical; SC ~82), Dr. D. Y. Patil College of Engineering – Akurdi (Instrumentation, Civil; SC ~70–76), Vishwakarma Institute of Technology – Bibwewadi (Mechanical, Civil; SC ~85), Cummins College of Engineering for Women – Karvenagar (Civil, Instrumentation; SC ~78), Army Institute of Technology – Dighi (Mechanical, E&TC; SC ~80), Sinhgad Academy of Engineering – Kondhwa (Civil, Mechatronics; SC ~75), JSPM Rajarshi Shahu College of Engineering – Tathawade (Civil, Instrumentation; SC ~73), JSPM Imperial College of Engineering – Wagholi (Mechanical, Civil; SC ~77), Sinhgad Institute of Technology – Lonavala (Civil, Mechanical; SC ~72), and Bharati Vidyapeeth’s COLLEGE OF ENGG – Kolhapur campus via Pune CAP (Civil, Mechanical; SC ~70).

Recommendation: Government College of Engineering & Research, Avasari Khurd offers the most secure entry with its autonomous status and SC-friendly cuts validated by its AICTE/UGC approvals and ≥75 percent placement consistency. D. Y. Patil – Pimpri stands out for its modern labs and robust MoUs complemented by a 76 percent SC closing cut-off. Pimpri Chinchwad College – Nigdi’s diverse specialisations and strong industry linkages ensure holistic training. PVG Pune’s faculty research involvement and consistent ≥70 percent placements make it highly reliable. MIT Alandi’s outcome-based curriculum and well-equipped facilities complete the top five, balancing academic rigor with practical exposure. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Dear sir, One Privated limited company offer me a job.They say they dont provide PF except take home salary. Can i accept their offer letter. Will i face any problem in future with respect to any new job.
Ans: Eswar, Under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, any establishment that employs 20 or more must register with the Employees’ Provident Fund Organisation (EPFO) and deposit a monthly contribution equal to 12 percent of basic wages from both employer and employee. Voluntary registration is permitted for firms with fewer than 20 employees, but once registered, compliance is mandatory regardless of subsequent staff changes. An employer’s refusal to enroll you and remit PF contributions is unlawful if the company meets the eligibility criteria, and inspectors may impose penalties, penal interest and legal action for non-payment, adversely affecting your service continuity, pension eligibility and retirement corpus. Absence of PF deductions on your salary slip may hinder transfer of previous EPF accounts and reduce your long-term social security benefits, and future employers often verify PF contribution history when calculating benefits and proving employment duration. Even if your take-home pay increases, you would sacrifice statutory retirement savings, insurance cover under EDLI and potential tax deductions under Section 80C.

Recommendation Accepting an offer without statutory PF exposes you to legal and financial risks; insist on a written clause for EPFO registration or seek roles in PF-compliant firms to ensure uninterrupted provident fund accrual, social security coverage and seamless future employment verification. Just my suggestion based on my experience: For entry-level candidates focused on gaining one to two years of industry experience, this company could be a viable stepping stone—just request an appointment letter, even if PF benefits aren’t provided. Seasoned professionals (2–3 years and beyond) should pursue roles at firms that strictly honor all labor-law mandates, including provident-fund contributions. All the BEST for Your Prosperous Future!

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Nayagam P

Nayagam P P  |9409 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
will i be able to do merchant navy with private candidate cbse?
Ans: Akshit, Private candidates under the CBSE board who have completed Class 12 with Physics, Chemistry and Mathematics (PCM) and secured a of 60 percent aggregate in PCM along with at least 50 percent in English are eligible to pursue pre-sea Merchant Navy courses approved by the Directorate General of Shipping (DGS). After meeting these academic benchmarks, aspirants must clear the centralised IMU-CET or corresponding institute-level entrance tests for courses such as Diploma in Nautical Science (DNS), B.Sc. in Nautical Science, and B.Tech. Marine Engineering, all of which are DGS-approved and AICTE-recognized. Physical fitness standards—including 6/6 vision (with or without correction), absence of colour blindness, and compliance with medical criteria under STCW rules—must be satisfied through DGS-certified medical examinations. Institutes need to show that they are approved by DGS, have up-to-date simulators and labs, a curriculum designed with input from shipping companies, active job placement services that have placed at least 70 percent of students in the last three years, and agreements for internships and training on ships. Career portals affirm that deck and engine officer roles offer global cruising opportunities, structured career progression, and robust starting allowances, while shore-based positions in logistics and maritime management provide alternative pathways. Backup options include GP-Rating courses for sea-service entry, Naval Architecture degrees for technical shoreside roles, and specialized Electro-Technical Officer (ETO) programs for electrical officers at sea.

Recommendation: Entry as a private CBSE candidate into DNS or B.Sc. Nautical Science through IMU-CET provides direct deck-officer pathways with strong industry tie-ups and onboard training. For engineering-focused careers, B.Tech. Marine Engineering delivers comprehensive engine-room expertise and simulator-based labs. Simultaneously, consider GP-Rating certification as a reliable fallback to commence seafaring service and upgrade to officer cadet programs upon securing sponsorship. All the BEST for a Prosperous Future!

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