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59-year-old seeking Rs. 25,000 monthly income from Rs. 25 lakh mutual fund investment - Expert advice

Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 03, 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 - Sep 03, 2024Hindi
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I am 59 yrs old, want to invest Rs 10 lakhs in mutual funds.Pls suggest me the specific funds where I can invest to have a regular monthly income of around 25k.l also had an initial investment of around 15 lakhs in Mutual funds.

Ans: At age 59, your goal is to invest Rs. 10 lakhs in mutual funds to generate a regular monthly income of Rs. 25,000. You also have an existing investment of Rs. 15 lakhs in mutual funds. The challenge is to create a strategy that balances income generation with capital preservation.


Recommending specific mutual fund schemes in an online forum is not advisable for several reasons:

Individual Needs Vary: Every investor has unique financial goals, risk tolerance, and time horizons. A scheme suitable for one person might not be appropriate for another. Providing a specific recommendation without understanding your complete financial situation can lead to unsuitable investment choices.

Dynamic Market Conditions: The performance of mutual funds can vary based on market conditions. What might be a top-performing scheme today might not perform as well in the future. Recommending specific schemes online doesn't consider future market changes.

Need for Personalised Advice: A Certified Financial Planner (CFP) can provide advice tailored to your situation. They will consider your existing investments, income needs, and risk tolerance before suggesting specific funds. This personalized approach is more effective than generic online advice.

Importance of Income-Generating Funds
For your objective, investing in mutual funds that focus on generating regular income is crucial. These funds usually distribute dividends or allow you to set up a Systematic Withdrawal Plan (SWP) to meet your income needs.

Why Actively Managed Funds Are Better
Investing in actively managed funds through a CFP is generally preferable over index funds or direct funds. Here’s why:

Outperformance Potential: Actively managed funds aim to outperform their benchmarks. Experienced fund managers make strategic decisions based on market conditions, which can lead to better returns.

Regular Monitoring: A CFP will regularly monitor your portfolio, ensuring it remains aligned with your financial goals. They can make adjustments based on your evolving needs or market changes.

Guidance on Complex Decisions: With actively managed funds, you receive ongoing guidance. Your CFP can help you navigate market volatility, tax implications, and income strategies, which is crucial as you approach retirement.

Suitable Mutual Fund Categories for Regular Income
Hybrid Funds: These funds invest in a mix of equity and debt. The equity portion offers growth potential, while the debt portion provides stability. Hybrid funds are ideal for generating regular income with moderate risk.

Monthly Income Plans (MIPs): MIPs focus on providing regular income through a combination of fixed income and equity investments. They aim for stable returns with lower risk exposure compared to pure equity funds.

Debt Funds with Systematic Withdrawal Plans (SWPs): Debt funds invest in fixed-income securities, offering lower risk and stable returns. An SWP allows you to withdraw a fixed amount regularly, turning your investment into a source of income. This is often more tax-efficient than traditional fixed deposits.

Considerations for Your Investment Strategy
Review Your Existing Portfolio: Assess your current Rs. 15 lakh mutual fund investment. Ensure it aligns with your income goals. If necessary, consider reallocating to more income-focused funds.

Systematic Withdrawal Plan (SWP): An SWP can be set up to withdraw Rs. 25,000 per month, providing a steady income while allowing the remaining investment to grow.

Risk Management: As you approach retirement, protecting your capital is essential. Focus on funds that offer stability and moderate growth rather than high-risk options like small-cap or sectoral funds.

Tax Efficiency: Income generated from mutual funds, especially through SWP, can be tax-efficient. Long-term capital gains from equity-oriented funds and interest from debt funds are generally taxed at lower rates.

Final Insights
Investing Rs. 10 lakhs to generate a regular monthly income of Rs. 25,000 requires careful planning. While recommending specific mutual fund schemes is not suitable in an online forum, focusing on the right categories—such as hybrid funds, MIPs, and debt funds with SWP—can help achieve your goals. Reviewing your existing Rs. 15 lakh investment and possibly reallocating to more income-focused funds is also crucial.

Consulting with a Certified Financial Planner (CFP) will ensure that your investment strategy is tailored to your specific needs, taking into account your risk tolerance, income requirements, and market conditions.

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  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jul 12, 2024Hindi
Money
Sir I am 21 years old and want to start investing in mutual funds. I have minimum budget that I have saved from allowance and want to invest it periodically for maximum possible returns in 10 years. Please advise in which funds should I invest and how much should I invest without fear of much loss.
Ans: Embarking on your investment journey at the age of 21 is a commendable decision. This early start will give you a significant advantage over time. Investing in mutual funds is a wise choice for your long-term financial goals. Let's dive into the details of how you can make the most of your investments with a professional and thorough approach.

Understanding Mutual Funds
Mutual funds pool money from various investors to invest in stocks, bonds, or other securities. Each investor owns units, which represent a portion of the holdings of the fund. Mutual funds are managed by professional fund managers who aim to generate maximum returns for the investors.

Benefits of Starting Early
Starting your investment journey early has numerous benefits. Here are a few key points to consider:

Compounding: The earlier you start, the more time your money has to grow. Compounding allows your investment returns to generate earnings, which are then reinvested to generate their own earnings.

Risk Mitigation: Investing over a longer period helps mitigate risks. Short-term market fluctuations are smoothed out over time, providing a more stable growth trajectory.

Financial Discipline: Regular investing cultivates financial discipline. It encourages saving a portion of your income consistently, leading to better financial habits.

Setting Your Investment Goals
Before diving into specific funds, it's crucial to set clear investment goals. These goals will guide your investment strategy and fund selection.

Long-term Wealth Creation: Your primary goal is likely to create substantial wealth over the next ten years. This requires a focus on equity-oriented mutual funds, which have the potential for higher returns.

Emergency Fund: Ensure you have an emergency fund in place. This should cover at least 3-6 months of living expenses. It provides a safety net and prevents you from dipping into your investments during emergencies.

Risk Tolerance: Assess your risk tolerance. At 21, you can afford to take higher risks since you have a longer investment horizon. However, it’s essential to invest within your comfort zone.

Types of Mutual Funds to Consider
Based on your goals and risk tolerance, here are a few types of mutual funds to consider:

Equity Mutual Funds
Equity mutual funds invest primarily in stocks and have the potential for high returns. They are suitable for long-term goals and can significantly benefit from the power of compounding.

Advantages:

High return potential
Ideal for long-term growth
Beneficial for young investors with a long investment horizon
Disadvantages:

Higher risk due to market volatility
Requires patience and a long-term perspective
Debt Mutual Funds
Debt mutual funds invest in fixed-income securities like bonds and government securities. They offer stable returns and are less volatile compared to equity funds.

Advantages:

Lower risk compared to equity funds
Provides steady and predictable returns
Good for diversification
Disadvantages:

Lower return potential compared to equity funds
Affected by interest rate changes
Balanced/Hybrid Funds
Balanced or hybrid funds invest in a mix of equities and debt. They aim to provide a balance of risk and return.

Advantages:

Diversified portfolio reduces risk
Suitable for moderate risk tolerance
Provides both growth and income
Disadvantages:

Returns may not be as high as pure equity funds
Still subject to market risks
Recommended Investment Strategy
Here’s a recommended strategy to get you started on your investment journey:

Systematic Investment Plan (SIP)
A Systematic Investment Plan (SIP) is an excellent way to invest in mutual funds. It allows you to invest a fixed amount regularly, say monthly, into your chosen mutual funds. This method has several benefits:

Rupee Cost Averaging: SIPs help in averaging the purchase cost of mutual fund units. When markets are low, you buy more units, and when markets are high, you buy fewer units. This reduces the impact of market volatility.

Disciplined Investing: SIPs instill financial discipline by encouraging regular investments. This habit helps in building a substantial corpus over time.

Affordable: You can start with a small amount, making it accessible even if you have a limited budget.

Diversification
Diversification is key to managing risk. Spread your investments across different types of mutual funds to create a balanced portfolio. This strategy helps in minimizing the impact of poor performance of any single fund.

Equity Funds: Allocate a significant portion of your investments in equity mutual funds for long-term growth.

Debt Funds: Invest a smaller portion in debt funds to provide stability and reduce overall portfolio risk.

Balanced Funds: Consider balanced funds to achieve a mix of growth and stability.

Selecting the Right Funds
When selecting mutual funds, consider the following factors:

Fund Performance
Look at the historical performance of the fund. While past performance is not indicative of future results, it provides insight into the fund manager’s ability to generate returns.

Consistency: Choose funds that have consistently performed well over different market cycles.

Benchmark Comparison: Compare the fund’s performance against its benchmark index. This will help you gauge its relative performance.

Fund Manager
The expertise and experience of the fund manager play a crucial role in the fund’s performance. Look for funds managed by experienced professionals with a good track record.

Expense Ratio
The expense ratio is the annual fee charged by the fund for managing your investment. Lower expense ratios mean more of your money is working for you. Compare the expense ratios of different funds before making a decision.

Fund Objectives
Ensure the fund’s objectives align with your investment goals. For example, if you aim for long-term capital appreciation, choose funds that focus on growth stocks.

Regular Review and Rebalancing
Investing is not a one-time activity. Regularly review your portfolio to ensure it remains aligned with your goals. Market conditions and personal circumstances can change, necessitating adjustments to your investment strategy.

Annual Review: Conduct an annual review of your portfolio. Assess the performance of each fund and make necessary adjustments.

Rebalancing: Rebalance your portfolio to maintain the desired asset allocation. This involves selling some investments and buying others to restore the original balance.

Risk Management
Managing risk is crucial for long-term investment success. Here are a few strategies to consider:

Diversification
As mentioned earlier, diversification helps in spreading risk across different assets. Avoid putting all your money into a single fund or asset class.

Emergency Fund
Maintain an emergency fund to cover unexpected expenses. This prevents you from liquidating your investments during market downturns.

Avoiding Herd Mentality
Invest based on your own research and financial goals. Avoid following market trends blindly. Make informed decisions rather than succumbing to peer pressure.

Seeking Professional Advice
While it’s essential to educate yourself about investments, seeking advice from a certified financial planner (CFP) can be beneficial. A CFP can help you create a personalized investment plan based on your financial goals, risk tolerance, and time horizon.

Expertise: CFPs have the knowledge and expertise to provide sound investment advice.

Personalized Plan: They can create a tailored investment strategy that aligns with your specific needs and goals.

Ongoing Support: CFPs offer ongoing support and guidance, helping you navigate market changes and adjust your plan as needed.

Common Pitfalls to Avoid
As you embark on your investment journey, be mindful of these common pitfalls:

Lack of Research
Investing without proper research can lead to poor decisions. Take the time to understand the funds you are investing in and their potential risks and returns.

Emotional Investing
Avoid making investment decisions based on emotions. Market fluctuations can trigger fear and greed, leading to impulsive actions. Stick to your investment plan and remain disciplined.

Over-diversification
While diversification is essential, over-diversification can dilute returns. Invest in a manageable number of funds to maintain focus and achieve optimal returns.

Ignoring Fees
Pay attention to the fees associated with mutual funds. High fees can eat into your returns over time. Opt for funds with reasonable expense ratios.

Final Insights
Starting your investment journey at 21 is a fantastic decision. With careful planning and a disciplined approach, you can build substantial wealth over the next ten years. Focus on equity mutual funds for long-term growth, diversify your portfolio to manage risk, and invest regularly through SIPs.

Seek guidance from a certified financial planner to create a personalized investment strategy. Regularly review and rebalance your portfolio to stay on track with your goals. Avoid common pitfalls and make informed decisions to maximize your returns.

Remember, investing is a marathon, not a sprint. Stay patient, stay disciplined, and let the power of compounding work in your favor. Happy investing!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

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

Asked by Anonymous - Aug 27, 2024Hindi
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Hi Sir, my age is 47. I would like to invest 30000 per month for a period of 10 years for retirement. Could you please suggest 5 mutual funds where I can invest 6000 each?
Ans: At 47 years old, you're planning to invest Rs. 30,000 monthly over the next 10 years, with retirement as your primary goal. This approach is commendable as it aligns with the disciplined, long-term investment strategy required to build a robust retirement corpus.

Diversification Across Mutual Funds
Investing in five different mutual funds with Rs. 6,000 each per month is a smart move. It offers diversification, which helps mitigate risks and provides a balanced portfolio. Here’s how you can diversify:

Large-Cap Equity Fund: Large-cap funds invest in well-established companies with a solid market presence. These companies have a history of stable returns, which can provide a safety net in your portfolio. A significant portion of your investment should be allocated here, as it ensures stability.

Mid-Cap Equity Fund: Mid-cap funds invest in companies that are in their growth phase. They offer higher growth potential compared to large-cap funds but with slightly higher risk. Allocating a part of your investment here can add growth potential to your portfolio.

Small-Cap Equity Fund: Small-cap funds target smaller companies with high growth potential. Although they come with higher risk, they can offer substantial returns over the long term. A small portion of your monthly investment in small-cap funds can significantly enhance your portfolio’s growth.

Balanced or Hybrid Fund: These funds offer a mix of equity and debt investments, providing a balance between risk and reward. By including a hybrid fund, you add a layer of stability to your portfolio, which can be beneficial as you approach retirement.

International Equity Fund: Investing in an international equity fund offers exposure to global markets. This not only diversifies your portfolio geographically but also protects it against domestic market volatility. It’s an excellent way to hedge against local economic downturns.

Monthly Investment Strategy
Given the goal of retirement, a systematic approach with monthly SIPs (Systematic Investment Plans) is ideal. Here’s how you can allocate your Rs. 30,000 monthly investment:

Large-Cap Equity Fund: Rs. 6,000
Mid-Cap Equity Fund: Rs. 6,000
Small-Cap Equity Fund: Rs. 6,000
Balanced or Hybrid Fund: Rs. 6,000
International Equity Fund: Rs. 6,000
This allocation provides a balanced mix of stability, growth potential, and international diversification.

Evaluating and Rebalancing
Your investment journey doesn’t end with selecting funds. Regular evaluation is crucial. At least once a year, review your portfolio's performance and market conditions. Rebalance your portfolio if necessary to ensure it aligns with your retirement goals. For instance, as you approach retirement, you might want to shift more of your investments into less volatile funds, such as debt or balanced funds.

Final Insights
Your proactive approach to retirement planning is commendable. By investing Rs. 30,000 monthly across a diversified portfolio, you’re setting yourself up for a financially secure retirement. Remember, consistency is key, and with a disciplined investment strategy, you can achieve your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8808 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Had commerce with maths in 12 .pls tell some futuristic and different carrer options with full roadmap
Ans: Commerce and mathematics graduates can pursue cutting-edge roles that blend financial acumen, analytical skills, and technology proficiency. Chartered Accountancy (CA) equips you for audit, taxation, and CFO roles through a three-stage ICAI process—Foundation after 12th (pass Class 12), Intermediate (after clearing Foundation or via direct entry for graduates), and Final—interspersed with 3 years of articleship; elite NIRF-ranked CA colleges include Shri Ram College of Commerce (DU), NMIMS Mumbai and Christ University, Bangalore, offering 80–90% placement consistency and specialized electives in forensic accounting and ESG reporting, while mentorship and time-management strategies offset workload intensity. Company Secretary (CS) focuses on corporate governance, legal compliance and board procedures via the CSEET entry test post-12th, Executive and Professional stages under ICSI; institutes like NLSIU Bengaluru, ICSI’s regional centres and Symbiosis Law School deliver live simulations and internship tie-ups to address limited field exposure. Certified Management Accountant (CMA India) develops strategic cost planning, risk management and digital finance expertise through Foundation, Intermediate and Final exams under ICMAI, with blended workshops on data analytics and Six Sigma to counter theory-heavy modules; top CMA-focused programs at IIT Kharagpur’s VCEL and Christ University cushion practical skill gaps. Actuarial Science demands rigorous mathematical modeling for insurance and risk advisory via IAI’s ACET entrance post-12th (60% PCM), followed by Core Principles, Practices, Specialist Principles and Advanced levels, complemented by three years of industry work; universities like Amity Noida, Amrita Vishwa Vidyapeetham and Indian Statistical Institute integrate preparatory modules to mitigate exam-centric learning. Bachelor of Business Administration (BBA) with specializations in Business Analytics, Fintech or Digital Marketing imparts managerial and technological fluency through CUET/MH-CET/IPMAT or institute-level exams, followed by GD-PI rounds; premier BBA colleges—Christ University (NIRF #29), NMIMS Mumbai and Symbiosis Pune—offer 75–90% placement support and capstone projects to balance theory with industry demands. Each pathway requires early exam preparation (mock tests, concept workshops), strategic college selection based on NIRF rankings and industry tie-ups, proactive skill enhancement through internships or online certifications, and networking within professional bodies to overcome curriculum rigidity and competitive hurdles.

Recommendation: For a technology-driven financial analyst role, pursue Actuarial Science to harness your maths strengths in risk modeling; if you seek a strategic management accounting profile, opt for CMA India with its emerging digital finance curriculum; for legal-corporate leadership, CS provides niche governance expertise; choose CA to secure holistic financial leadership across sectors; and engage in a BBA with analytics specialization to gain versatile business and tech skills, leveraging internships and capstone projects to bridge theoretical and practical learning. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 15, 2025

Career
Sir my sir got 95.30 percentile in mhcet. his domicile category is general B. Which colleges he might get for cse and allied branches
Ans: Vinod Sir, With a 95.30 percentile in MHT CET under the General B category and Maharashtra domicile, your son has excellent admission prospects at several reputable engineering colleges in Mumbai and Pune for Computer Science Engineering and allied branches. This percentile typically qualifies for assured admission at institutes whose General category cutoffs fall at or below this range. All listed colleges are AICTE-approved, NBA/NAAC-accredited, feature modern computing and AI/ML labs, experienced faculty, strong industry partnerships, and placement cells recording 75–92% branch-wise placements over the last three years. Thakur College of Engineering and Technology, Kandivali East, Mumbai. Rajiv Gandhi Institute of Technology, Andheri West, Mumbai. Vidyalankar Institute of Technology, Wadala, Mumbai. Xavier Institute of Engineering, Mahim, Mumbai. Vivekananda Education Society's Institute of Technology, Chembur, Mumbai. Atharva College of Engineering, Malad, Mumbai. Ramrao Adik Institute of Technology, Nerul, Mumbai. Bharati Vidyapeeth College of Engineering, Kharghar, Mumbai. Sardar Patel College of Engineering, Andheri, Mumbai. K.J. Somaiya Institute of Technology, Vidyavihar, Mumbai. MIT World Peace University, Kothrud, Pune. Pimpri Chinchwad College of Engineering, Pune. Vishwakarma Institute of Technology, Bibwewadi, Pune. Army Institute of Technology, Pune. Sinhgad College of Engineering, Vadgaon, Pune. Dr. D.Y. Patil Institute of Technology, Akurdi, Pune. MIT Academy of Engineering, Alandi, Pune. AISSMS College of Engineering, Pune. Pune Vidhyarthi Griha's College of Engineering, Pune. International Institute of Information Technology, Pune. JSPM Rajarshi Shahu College of Engineering, Tathawade, Pune. Vishwakarma Institute of Information Technology, Pune. D.Y. Patil College of Engineering, Pune. Bharati Vidyapeeth College of Engineering, Lavale, Pune. Cummins College of Engineering for Women, Pune.

Recommendation: Prioritise MIT World Peace University, Kothrud, Pune for its comprehensive CSE curriculum, modern AI/ML infrastructure and strong placement consistency averaging 85% with top-tier recruiters. Next, choose Thakur College of Engineering and Technology, Kandivali East, Mumbai for its balanced industry connections and reliable placement record. Then select Rajiv Gandhi Institute of Technology, Andheri West, Mumbai for its urban location and consistent accessibility. Consider Pimpri Chinchwad College of Engineering, Pune for its strong academic-industry partnerships, and finally opt for Vishwakarma Institute of Technology, Bibwewadi, Pune for its 86% placement rate, experienced faculty and established computing labs with consistent recruiter engagement. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8808 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Nayagam P

Nayagam P P  |8808 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Hi Sir My Rank Is 87717 in Kcet Suggest Some Good College in Bengaluru For EEE or EC .Is it worth for waiting for last round?? Please reply as soon as possible
Ans: For a KCET rank of 87717 in the 2BG category, admission to top-tier Bangalore institutes for Electrical & Electronics Engineering (EEE) or Electronics & Communication Engineering (ECE) is unlikely. However, these ten AICTE-approved, NAAC/NBA-accredited colleges routinely close admissions beyond rank 80000, ensuring more chances of entry in EEE or ECE branches:

Alliance College of Engineering & Design, Anekal—EEE/ECE closing rank ~98 000
Dr. Ambedkar Institute of Technology, Bangalore—EEE cutoff ~109 783
Cambridge Institute of Technology, Kundana—ECE closing rank above 100 000
SJB Institute of Technology, Jalahalli—EEE/ECE closing rank ~100 802
East West Institute of Technology, BEL Layout—EEE/ECE closing rank ~84 824
Impact College of Engineering & Applied Sciences, Sahakar Nagar—ECE cutoff ~93 517
GSS Institute of Technology, Rajajinagar—EEE/ECE closing rank above 110 000
Acharya Institute of Technology, Soladevanahalli—CSE cutoff ~101 534 (expect EEE/ECE similar)
Ghousia Engineering College, Ramanagara—EEE cutoff ~122 952
S K S J T Institute of Engineering, JP Nagar—EEE/ECE closing rank ~154 144

Waiting for the last KCET counseling round is unlikely to open EEE/ECE seats in higher-ranked Bangalore colleges, given your current rank; seats in these branches generally close well before 80,000. Instead, secure one of the above guaranteed seats now, or explore state-level diploma-to-degree lateral-entry programs, part-time AICTE-approved evening engineering courses, or private-university B.E. programmes with higher closing ranks. Choose one of the above ten colleges immediately to lock your EEE or ECE seat rather than risk vacancies drying up in later rounds. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8808 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Career
Sir Mh cet 83 percentile jee -89 percentile But 10+2 -maths fail Then exam 15-7-23 cbse board Result will publish -1-7/8/25 What Will do For CSE admission in Maharashtra Please guide me.
Ans: Having failed mathematics in 10+2 but securing an 83 percentile in MHT CET and 89 percentile in JEE Main creates a complex situation for B.Tech CSE admission in Maharashtra. The critical factor is the mathematics compartment exam scheduled for July 15, 2023, with results expected by August 17, 2025. MHT CET 2025 eligibility criteria mandate that candidates must have "passed HSC or equivalent examination with Physics and Mathematics as compulsory subjects" and obtained at least 45% marks in Physics, Chemistry, and Mathematics taken together (40% for reserved categories). Engineering colleges in Maharashtra cannot accept students with mathematics failure, as passing mathematics is essential for B.Tech eligibility. However, once the compartment exam is cleared, candidates receive a new marksheet without any compartment mention, making them eligible for admission provided they meet the minimum percentage requirements. The challenge lies in timing: MHT CET counseling for 2025 has already begun, with registration extended to July 14, 2025, and the first merit list might be released on July 15, 2025, which occurs before the compartment exam results are available.

Since MHT CET counselling will conclude before compartment results, explore direct admission options at private engineering colleges after clearing mathematics, or consider the next academic year's admission cycle for better college options with your strong CET and JEE percentiles. (If possible, try to contact MHT-CET Exam Conducting Authority either by personally visiting the office or by email or by phone to get this clarified further). All the BEST for Admission & a Prosperous Future!

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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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