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46-Year-Old in India with ₹10 Crore Assets - Can I Retire at 50?

Janak

Janak Patel  |21 Answers  |Ask -

MF, PF Expert - Answered on Mar 13, 2025

Janak Patel is a certified financial planner accredited by the Financial Planning Standards Board, India.
He is the CEO and founder of InfiniumWealth, a firm that specialises in designing goal-specific financial plans tailored to help clients achieve their life goals.
Janak holds an MBA degree in finance from the Welingkar Institute of Management Development and Research, Mumbai, and has over 15 years of experience in the field of personal finance. ... more
Asked by Anonymous - Mar 10, 2025Hindi
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Money

Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.

Ans: Hi,

Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
Emergency Fund - 25 lakhs (3.5%)
Fixed Deposits - 65 lakhs (7%)
PF/PPF/NPS - 25 lakhs (8%)
MF/Stocks - 25 lakhs (10%)
LIC Policies - 25 lakhs (no change)
Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
And this is excluding the properties you own and additional investments you can make for the next 4 years.

Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

I want to highlight/recommend few points -
1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


Thanks & Regards
Janak Patel
Certified Financial Planner.
Asked on - Mar 13, 2025 | Not Answered yet
Thanks for your response. I have gold worth 1.2 Cr. Whether i need to liquidate or allow it to grow. Thanks for your response in advance.
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  |8146 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

Asked by Anonymous - Jul 13, 2024Hindi
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Money
I am 53 years old having assets as below: 1 house loan of 24 lacs having emi 40000 per month, mf of 13 lacs and monthly sip of 24100, fd of 31 lacs, 10lacs due to be paid to builder, 3 lacs of soverign gold bond, have salary in hand of 143000 pm. One house I own with value of 70 lacs. pf amount is 9 lacs. Is it sufficient for getting comfortable retirement?
Ans: Evaluating Retirement Readiness
Assessing your current financial status and retirement preparedness:

Income and Expense Analysis
Monthly salary of Rs. 1,43,000 supports your current lifestyle.
EMI for house loan is substantial at Rs. 40,000 per month.
Asset Evaluation
Assets include a house valued at Rs. 70 lakhs and investments in MF, FDs, and gold bonds.
PF balance of Rs. 9 lakhs contributes to retirement savings.
Liability Assessment
Outstanding loan of Rs. 24 lakhs and Rs. 10 lakhs due to builder.
Manageable with current income, but consider repayment strategies.
Retirement Planning
MF investments and SIPs totaling Rs. 13 lakhs are a good start.
FDs provide liquidity but consider diversifying for better returns.
Financial Security Check
Evaluate retirement corpus goal based on current expenses and future needs.
Factor in inflation and health care costs for retirement planning.
Recommendations
Increase SIPs gradually to build retirement corpus.
Consider downsizing or rental income from property post-retirement.
Ensure adequate health and life insurance coverage.
Final Insights
Your assets and income are substantial, but consider optimizing investments and managing liabilities for a more comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8146 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 11, 2024

Asked by Anonymous - Nov 11, 2024Hindi
Money
Hi, I am 50 years old. Is my financial position sufficient enough to retire immediately? Myself and my wife's combined salary is 2 lacs (tax free) per month. We have a 24 year old daughter pursuing masters in Canada and she does not require any funds for completing her studies or living expenses as it is fully funded by the university. As for her marriage in future, we want to keep it simple and no plan to waste money like typical traditional ways. As regards to financial position, I am debt free, FD 27 lacs, Bonds 80 lacs. Both investments gives me avg. 85000 interest (taxable) per month. Apart from this, I have emergency bank balance 9 lacs, equity investment 8 lacs, PF 22 lacs. My real estate investments are 2.75 Cr. of which 1.75 Cr. worth property is ready for sale and intend to invest the proceeds in Bonds for passive income. Remaining 1 Cr. worth property we will keep it for living. As for insurance, there is a term insurance of 1.2 Cr. and family Health insurance 25 lacs that will be gradually topped up to 40 lacs in 3 years. Our current expenses are 65000 per month and expect a life expectancy of 85 years. Please advise.
Ans: Assessing your financial readiness for retirement involves carefully reviewing your income streams, investments, assets, and lifestyle needs. You are in a commendable position financially, especially as you are debt-free and have diversified assets. Here’s a comprehensive breakdown to ensure a comfortable retirement based on your current status and goals:

Monthly Income Requirements vs. Available Passive Income
Current Monthly Expenses: Your monthly expenses stand at Rs 65,000, which is sustainable given your asset base. Considering inflation over the next 35 years (assuming a life expectancy of 85), you may see these expenses grow. Having passive income sources that outpace inflation will be key.

Passive Income: You currently receive an average of Rs 85,000 per month from Fixed Deposits (FDs) and Bonds. This is more than adequate to cover your existing monthly expenses, leaving a surplus for reinvestment or discretionary spending.

Investment Proceeds from Real Estate Sale: With your plan to sell a Rs 1.75 crore property and reinvest the proceeds in Bonds, you can create an additional passive income stream. This will further enhance your monthly cash flow, adding stability to your retirement income.

Asset Evaluation and Diversification
Your assets are diversified across multiple categories, which is beneficial for managing risk. Here’s an assessment of each category:

Fixed Deposits (FDs) and Bonds: Your Rs 80 lakh in Bonds and Rs 27 lakh in FDs provide consistent income but are taxable. Bonds offer stable returns and are ideal for passive income generation in retirement. Consider diversifying into tax-efficient, debt-focused mutual funds with a Certified Financial Planner (CFP) to optimize returns after taxation.

Emergency Funds: The Rs 9 lakh emergency fund is sufficient. It provides a six-month cushion against unexpected expenses, which is an essential component of financial security in retirement.

Equity Investments: You hold Rs 8 lakh in equity, which is a modest amount relative to your portfolio. Equities can be volatile, but they are necessary to outpace inflation over the long term. It may be beneficial to gradually increase this allocation. A CFP can help structure a tailored equity mutual fund portfolio, favoring actively managed funds for professional oversight, especially since these offer potentially higher returns and ongoing management benefits.

Provident Fund (PF): Your Rs 22 lakh PF corpus is a valuable asset. Though it offers tax-free returns, it might not provide liquidity until maturity. It can serve as a reliable reserve for long-term needs.

Real Estate Assessment and Strategy
Primary Residence: Retaining Rs 1 crore worth of property as a primary residence offers stability and security, ensuring a comfortable living environment.

Sale of Additional Property: Selling the Rs 1.75 crore property is a prudent decision if reinvested wisely. Bonds are a stable option for passive income, but consider consulting a CFP to explore other options for optimal tax efficiency and returns.

Insurance Coverage Adequacy
Your insurance coverage is crucial for safeguarding your retirement plan. Here’s a review of your current policies:

Term Insurance: A Rs 1.2 crore term insurance cover is a valuable safety net. You may consider reviewing its adequacy periodically as your wealth and age advance. Since your daughter is financially independent, this insurance could be optimized based on current needs.

Health Insurance: With Rs 25 lakh in health cover, you have a solid base for medical emergencies. Increasing it to Rs 40 lakh over the next three years is a prudent plan. With rising healthcare costs, this will ensure comprehensive coverage. Keep an eye on renewals and top-ups, and consider a critical illness rider for additional protection.

Optimizing Tax Efficiency
Interest from FDs and Bonds: The Rs 85,000 per month in interest from FDs and Bonds is taxable. To reduce the tax burden, explore tax-efficient debt-oriented mutual funds or government-backed tax-saving schemes through a CFP.

Equity Mutual Fund Taxation: Under the new capital gains tax rule, long-term capital gains above Rs 1.25 lakh are taxed at 12.5%, while short-term gains are at 20%. Balancing equity investments with tax-efficient debt options will help optimize after-tax returns.

Inflation Protection and Wealth Accumulation
To protect against inflation, it’s advisable to allocate a portion of your wealth to higher-growth assets:

Increase in Equity Allocation: A gradual increase in equity allocation can provide inflation-beating growth. Equity mutual funds, especially actively managed ones, can offer higher returns over time. With a moderate risk approach, you can look at flexi-cap or balanced advantage funds with a CFP’s guidance.

Systematic Withdrawal Plan (SWP): Once you reach 60, consider an SWP from equity mutual funds for a tax-efficient, inflation-adjusted monthly income. This will help maintain a steady income flow without eroding capital rapidly.

Managing Future Needs and Legacy Planning
With your daughter being financially independent, your retirement plan gains further flexibility:

Retirement Corpus Sustainability: Based on your asset base and monthly expenses, your corpus should comfortably support you and your wife, even with inflation adjustments. It’s essential to have a regular review of your portfolio to keep your asset allocation aligned with changing needs.

Simple Approach to Daughter’s Marriage: Since you wish to keep the wedding simple, this choice supports your retirement goal. Any additional savings from your surplus income can be invested in growth-oriented assets, further strengthening your retirement fund.

Final Insights
Based on your well-structured asset base, stable income sources, and tax planning strategy, you are in a strong financial position to retire immediately. However, regular reviews with a CFP can help adjust your portfolio to changing financial and personal needs. Your foresight in preparing for inflation and future expenses will enable a comfortable and secure retirement.

Please feel free to reach out for a detailed investment plan and regular portfolio reviews.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

Ramalingam

Ramalingam Kalirajan  |8146 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 27, 2024

Asked by Anonymous - Dec 11, 2024
Money
51 years old , I am started 25000 rs investment in mutual fund from last year , presently two houses one loan of rs 40 lakhs and 1/2 kg gold and 35lakhs fd, and 1 open plot of worth 65Lakhs my daughter is studying B.E and son 9th is it effoungh for my retirement.Lic of rs 5000.rs.per month.
Ans: At 51, you are building a good foundation for retirement. Let us evaluate your current situation and provide actionable insights to strengthen your plan.

Current Financial Assets
Mutual Funds: A monthly SIP of Rs. 25,000 started last year is a strong beginning.

Real Estate: You own two houses and an open plot worth Rs. 65 lakhs.

Fixed Deposits (FDs): You have Rs. 35 lakhs in FDs for stability.

Gold: Possession of 1/2 kg of gold adds diversification to your portfolio.

Insurance: A LIC premium of Rs. 5,000 monthly ensures some financial protection.

Loan: You have a Rs. 40 lakh home loan that requires regular servicing.

Strengths in Your Portfolio
Asset Diversification: Your portfolio includes real estate, mutual funds, gold, and fixed deposits.

Children’s Education: You are well-placed to support their higher education expenses.

Steady Investments: The SIP ensures consistent contributions towards wealth creation.

Areas for Improvement
Mutual Fund Investments
Expand Your SIP Contributions: Rs. 25,000 monthly may need an increase to meet retirement goals.

Focus on Active Funds: Actively managed funds can deliver higher returns than index funds over time.

Disadvantages of Index Funds: Index funds lack adaptability during market fluctuations, limiting growth potential.

Use Regular Plans Through CFP: Regular funds ensure expert guidance, tax efficiency, and consistent monitoring.

Real Estate
Low Liquidity: Real estate may not offer quick access to cash during emergencies.

Maintenance Costs: Real estate requires ongoing expenses, reducing its overall profitability.

Fixed Deposits
Inflation Risk: FD returns are lower and may not match inflation rates.

Better Alternatives: Consider debt funds for higher post-tax returns.

LIC Premiums
Low Returns: Traditional insurance policies like LIC provide limited returns compared to mutual funds.

Recommendation: Surrender and reinvest the proceeds into mutual funds for better growth.

Children’s Education Planning
Daughter’s Higher Education: Prioritise building a specific education fund for her postgraduate expenses.

Son’s Future Needs: Start early to save for his higher education.

Balanced Allocation: Use equity for growth and debt for stability in these funds.

Loan Management
Accelerate Loan Repayment: Clear your Rs. 40 lakh home loan faster to reduce interest costs.

Avoid New Debt: Focus on reducing liabilities to achieve financial independence sooner.

Emergency Fund
Liquidity is Key: Ensure at least 6–12 months of expenses in a liquid emergency corpus.

Fund Sources: Your FDs or a portion of your SIP can be redirected for this.

Retirement Planning
Corpus Estimation
Inflation Adjustment: Factor in inflation to calculate the required retirement corpus.

Living Expenses: Estimate your monthly needs post-retirement, including healthcare and leisure.

Asset Rebalancing
Gradual Shift to Debt Funds: From 55 onwards, reduce equity exposure for stability.

Balanced Allocation: Aim for a 60% debt and 40% equity ratio by retirement.

Tax Efficiency
New MF Tax Rules: Plan redemptions considering the 12.5% LTCG tax above Rs. 1.25 lakh.

Debt Funds Taxation: Gains are taxed as per your income slab; plan accordingly.

Final Insights
Your current financial status is strong, but enhancements are necessary. Increase SIP contributions, diversify into actively managed funds, and focus on reducing liabilities. Revisit your LIC policy and redirect funds for higher returns. Secure your children's education and your retirement with a clear and balanced strategy.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

Ramalingam

Ramalingam Kalirajan  |8146 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 13, 2025

Asked by Anonymous - Jan 11, 2025Hindi
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Money
Am 45 and has below corpus 1 cr ppf 2 cr fd 1 cr capital gain bond with redemption in 3 yrs 60 lakh senior citizen scheme for both parents 30 lakh rbi bonds 40 lakh equity which is now reduced to 30 lakh in recent down 20 lakh in hand 7 lakh in pension scheme self own house - no loan Own additional plot with present market value of 3 cr expense present house improvement - 30L (immediate) 2 kids higher education - 2 cr expected marriage - 3 cr (in next 8 to 10 yr) - both boys extrapolating inflation Existing monthly expense - 2 lakh existing monthly income from business - 2 lakh own house car loan with emi of 10K coming to end in 2027 no other loan or debt What if i retire now, will i be able to sustain in future and family
Ans: You have built a strong financial foundation, which includes:

Rs 1 crore in PPF: Offers stability but limited liquidity.

Rs 2 crore in FDs: Provides security and predictable returns.

Rs 1 crore in capital gain bonds: Redeemable in 3 years, offering safety until then.

Rs 60 lakh in Senior Citizen Savings Scheme (SCSS): Ensures steady income for your parents.

Rs 30 lakh in RBI bonds: Good for long-term stability.

Rs 30 lakh in equity: Reduced from Rs 40 lakh due to market corrections.

Rs 20 lakh in cash: Useful for immediate needs.

Rs 7 lakh in a pension scheme: A minor but helpful component for retirement.

Self-owned house and additional plot: Total real estate value of Rs 3.3 crore.

No major liabilities: Only a car loan EMI of Rs 10,000 until 2027.

Immediate Considerations
1. Emergency Funds

Set aside 12–24 months' expenses (Rs 24–48 lakh).
Use liquid mutual funds or savings accounts for this.
2. House Improvement Needs

Allocate Rs 30 lakh from your FDs or cash reserves.
Prioritise immediate renovation without disrupting other investments.
3. Children’s Higher Education

Estimated cost is Rs 2 crore over the next 5–10 years.
Invest systematically in balanced or hybrid mutual funds for this.
Equity exposure is essential for growth to beat inflation.
4. Children’s Marriage

Estimated cost is Rs 3 crore over 8–10 years.
Use a combination of balanced and debt-oriented funds.
Retirement Readiness
1. Current Monthly Expenses

You need Rs 2 lakh per month for expenses.
Existing business income matches this need, but retirement changes dynamics.
2. Retirement Corpus Requirements

Your portfolio must support monthly expenses and inflation.
A mix of equity and debt investments can generate stable income.
Equity provides growth, while debt ensures stability.
3. Diversification

Balance equity and debt based on risk tolerance and goals.
Avoid concentrating too much in low-growth instruments like FDs.
Detailed Investment Strategy
1. Equity for Long-Term Growth

Retain or add actively managed equity mutual funds.
Avoid index funds, as they lack active management during market volatility.
Diversify into large-cap, multi-cap, and mid-cap funds.
2. Debt for Stability and Income

Invest in debt mutual funds, offering tax efficiency and stability.
New tax rules require planning for LTCG and STCG taxes.
3. RBI Bonds and SCSS

Continue holding these for predictable returns.
They support low-risk, regular income needs.
4. Capital Gain Bonds

Redeem after 3 years and reallocate based on goals.
Consider hybrid funds or balanced products for better growth.
Holistic Family Planning
1. Parents’ Security

SCSS ensures financial independence for your parents.
Monitor and renew this as required for consistent income.
2. Children's Future

Start separate portfolios for each child’s education and marriage.
Avoid direct funds; invest through a Certified Financial Planner.
This ensures tailored advice and better fund selection.
3. Insurance Needs

Ensure adequate health and term insurance for the family.
Protect against unforeseen medical or financial risks.
Tax-Efficient Planning
1. Equity Mutual Funds

LTCG over Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Plan withdrawals smartly to optimise tax liability.
2. Debt Investments

Both LTCG and STCG are taxed based on your income slab.
Consult a Certified Financial Planner to manage tax-efficient withdrawals.
Final Insights
You can retire comfortably if you plan systematically.

Focus on balancing your portfolio with growth and stability.

Prepare separate funds for your children’s education and marriage.

Ensure you have a robust emergency fund and insurance coverage.

A Certified Financial Planner can help you align investments with goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Anu Krishna  |1571 Answers  |Ask -

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Asked by Anonymous - Mar 19, 2025Hindi
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Hi. I'm 45 years married 16 years with 2 kids . In short my wife has anger issues . She gets annoyed if anything happens against her wish. No one in family can talk to her. She dosen't want to listen anyone's advice or opinion. I work 7 days a week to financially support my family. Also help her in kitchen and household works, Buy groceries. She still complains and get angry. Her behavior becomes rude wherever my parents visit us. She hides all the food or not to buy. I aways tried to calm and relax her to keep our relationship happy. There are months passes without sex She still complain I'm doing nothing for family. I love her and my kids so keep on tolerating. I tried to talk to her but she never cared and told if i wush can leave her as I'm selfish. I need your advice and opinion to bring my meaningful
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Well, if only she could appreciate all your efforts towards the family and her. But you know what; what she could be missing is the emotional connection with you especially when you work 7 days a week...it leaves you very little time with the family or for her. This can cause a lack within your relationship. Is it possible for you take a day off so that you have time for yourself and your family? It maybe the same job or something else. I know that changes are hard to make BUT at the end of the day, relationships especially the core ones matter the most, don't they?
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Nayagam P

Nayagam P P  |4377 Answers  |Ask -

Career Counsellor - Answered on Mar 25, 2025

Asked by Anonymous - Mar 24, 2025Hindi
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Career
I got 97.75%ile in jee mains with obc ncl category is it sufficient for nit Hamirpur cse seat?
Ans: Here is, How to Calculate Your Rank, based on your JEE Percentile & How To Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education'.

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Nayagam P

Nayagam P P  |4377 Answers  |Ask -

Career Counsellor - Answered on Mar 25, 2025

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Hello sir. I got 90.87 percentile in JEE mains 2025. I belong to obc category and gender male. Can I get COEP , Pune? Low branch would also be okay or can I get nit Agartala??
Ans: Pushkar, Here is, How to Calculate Your Rank, based on your JEE Percentile & How To Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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