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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Feb 11, 2024

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more

Question by Samir on Jan 25, 2024Hindi

Money

I am 60, my Mutual fund corpus is about 1.3 Cr. I am currently doing SIP of 1.5 lakh per month. I am looking to received 5 lakh per month after I RETIRE AT 65 Years. i also have share portfolio of 2 Cr. I will be obliged if you can tell me if I am on track to achieve this pension.

Ans: No

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 Kalirajan |8073 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2024

Asked by Anonymous - Mar 12, 2024Hindi

Money

Hello Sir am 38 years old and i do monthly investment of Rs 19900 in Mutual fund and own few stocks of about Rs 74000. I have invested in Conta fund,Sectoral fund,Large and Mid cap fund,Small cap fund,Elss Fund,and Debt fund. I have also invested a lumpsum amount of Rs 70000 in Quant infrastructure fund.I want to retire at the age of 55 years with Rs 10 Cr. Is it possible to do so or should i increase my SIP.

Ans: To retire at 55 with a corpus of 10 Cr, you'll likely need to increase your SIP amount and possibly diversify your investments further. Consider consulting with a financial advisor to create a comprehensive plan tailored to your goals, risk tolerance, and investment horizon. They can help you assess your current portfolio, determine the required SIP amount, and make necessary adjustments to increase the likelihood of achieving your retirement target.

Ramalingam Kalirajan |8073 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 29, 2024

Question by Dr - Jul 28, 2024Hindi

Money

Respected Sir, I am 40 years female with husband and 8years old daughter. My monthly salary is around 60k with 5%yearly increment.current investment portfolio is around 14 lacs in stock market. 1lac in SGB.ppf balance is around 10.38 lacs. I have one SSA account balance 13.6 lacs. I have endowment plans of current surrender value of around 4 lacs. I can invest 40 k currently through sip. Is it possible for me to retire at the age of 50 with a pension of 1lc/month.

Ans: Current Financial Overview
Monthly Salary: Rs. 60,000 with a 5% yearly increment.

Stock Market Investment: Rs. 14 lakhs.

Sovereign Gold Bonds (SGB): Rs. 1 lakh.

Public Provident Fund (PPF): Rs. 10.38 lakhs.

Sukanya Samriddhi Account (SSA): Rs. 13.6 lakhs.

Endowment Plans: Current surrender value of Rs. 4 lakhs.

SIP Investment Capacity: Rs. 40,000 per month.

Retirement Planning Goal
Desired Retirement Age: 50 years.

Target Monthly Pension: Rs. 1 lakh.

Income Generation and Increment Assessment
Your salary increases by 5% yearly. This steady growth will boost your savings and investment capacity over time. Consistent investment in SIPs will compound your wealth, aiding in reaching your retirement goal.

Stock Market Investments
Your stock market investment of Rs. 14 lakhs is a good start.

Regularly review and rebalance your portfolio with a Certified Financial Planner's guidance.

Diversify to mitigate risks and maximize returns.

Sovereign Gold Bonds (SGB)
SGBs are secure investments with a fixed interest rate and capital appreciation.

Hold onto your SGBs as a hedge against inflation and economic uncertainties.

Public Provident Fund (PPF)
Your PPF balance of Rs. 10.38 lakhs will grow with the current interest rates.

Continue contributing to PPF to benefit from tax-free returns and compounding interest.

Sukanya Samriddhi Account (SSA)
SSA balance of Rs. 13.6 lakhs will support your daughter's future needs.

Continue contributing to SSA for higher returns and tax benefits.

Endowment Plans
Evaluate the performance of your endowment plans.

Consider surrendering if returns are low and reinvesting in mutual funds for better growth.

Monthly SIP Investment
Investing Rs. 40,000 monthly in SIPs is a sound strategy.

Choose a mix of equity and debt funds based on your risk tolerance and goals.

Regularly monitor and adjust your SIP portfolio with professional advice.

Long-Term Investment Strategy
Focus on mutual funds managed by experienced fund managers for active management benefits.

Regularly assess your portfolio's performance and reallocate if needed.

Retirement Corpus Calculation
Given your savings, investments, and potential returns, build a robust retirement corpus.

Aim to accumulate a corpus that can generate a Rs. 1 lakh monthly pension through systematic withdrawals.

Insurance and Risk Management
Ensure adequate life and health insurance for your family.

Review and update your policies to cover future medical and financial risks.

Final Insights
Your current financial discipline and investment strategy are commendable.

Consistently invest, review, and adjust your portfolio to stay on track for retirement.

Seek guidance from a Certified Financial Planner for personalized advice and optimal financial planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Milind Vadjikar |1076 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 02, 2025

Question by Pankaj - Jan 31, 2025Hindi

Money

I want to retire at age of 45 (next year end) with corpus of 30Lakh US shares, 63lakh EPF, 20 lakh shares, 40lakh ppf ( self+wife+son), 5lakh MF+5Lakh bank balance. Expected to have corpus of 2Cr by end of 2026. Own house of 2 Cr. in tier 2 city and no loan. Have sone age 13. Expected monthly expense of 60k. Am I on track?

Ans: Hello;

Assuming you keep aside 50 L for your kid's higher education, you will be left with corpus of 1.5 Cr.

If you invest this sum in equity savings type mutual fund with moderate risk rating and do SWP at 4% it won't generate income enough to cover your monthly expenses.

Recommend you to continue building corpus aggressively over next 5 years and review again.

Happy Investing;
X: @mars_invest

Ramalingam Kalirajan |8073 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Question by Mahendra - Feb 02, 2025Hindi

Money

Hello sir, My retirement is due in July 2032 and wish to have corpus of 1.25 Cr for my post retirement life. Presently, I am investing INR 30000 per month in MF as SIP. The present fund value is INR 30 Lakhs. I have also started Step-up SIP of 3000 from Feb 2025 with increment of INR 3000 every year till Jan 2031. Will I able to achieve the target.?

Ans: Understanding Your Retirement Goal
You aim for a corpus of Rs 1.25 crore by July 2032.

Your current mutual fund investments stand at Rs 30 lakhs.

You invest Rs 30,000 per month in SIPs.

You have started a step-up SIP of Rs 3,000 from Feb 2025, increasing by Rs 3,000 yearly till Jan 2031.

Your strategy is disciplined and systematic, which is great.

Let’s assess if this plan will help you reach your goal.

Evaluating Your Current Investment Plan
Your existing SIPs and portfolio growth will contribute significantly.

The power of compounding will help boost your corpus over time.

Your step-up SIP strategy will increase investments, accelerating corpus growth.

Market volatility can affect returns, so diversification is key.

Your goal is achievable, but returns depend on market performance.

Key Factors That Impact Your Retirement Corpus
Investment Tenure
You have about 7.5 years left until retirement.

Long-term investments generally perform well, but shorter durations require better strategy.

A balanced allocation between equity and debt will ensure growth and stability.

Expected Rate of Return
Equity mutual funds historically offer strong returns over long periods.

Realistic expectations are crucial to avoid over-optimism.

A moderate-to-aggressive approach suits your timeline.

Inflation Consideration
Inflation erodes purchasing power over time.

Your corpus must account for post-retirement expenses.

A well-planned portfolio should grow above inflation.

Optimising Your Investment Strategy
Continue and Monitor SIPs
Stick to your Rs 30,000 monthly SIPs consistently.

Review fund performance annually.

If funds underperform for 3+ years, switch to better options.

Enhance Step-Up SIP Strategy
Your Rs 3,000 annual step-up is beneficial.

Consider increasing it to Rs 5,000 if feasible.

Higher contributions earlier will ease the pressure later.

Diversification for Stability
Invest across different fund categories for risk management.

Balance equity-heavy investments with some stable debt funds.

Asset allocation should align with risk tolerance.

Reduce Home Loan Burden
If possible, prepay some home loan principal.

Lower EMIs can free up cash flow for investments.

Avoid over-extending finances at the cost of liquidity.

Risk Management for Secure Retirement
Emergency Fund Maintenance
Keep 6-12 months’ expenses in liquid funds.

This ensures financial stability in case of market downturns.

Avoid using retirement funds for emergencies.

Adequate Health Insurance
Medical costs can be high post-retirement.

Ensure sufficient health coverage for yourself and dependents.

A Rs 15-25 lakh health cover is advisable.

Asset Rebalancing as Retirement Nears
As you approach 2032, shift some equity to safer debt funds.

This protects against last-minute market volatility.

Gradual transition ensures stability in the final years.

Post-Retirement Strategy
Systematic Withdrawal Plan (SWP)
Instead of withdrawing lump sum, use an SWP for steady income.

This ensures tax efficiency and continued investment growth.

Avoid premature withdrawal of mutual funds.

Senior Citizen Investment Options
Keep a portion of the corpus in safe instruments.

Senior Citizen Savings Scheme (SCSS) and debt mutual funds offer stable returns.

Maintain liquidity for unexpected expenses.

Tax Efficiency for Maximum Returns
Long-Term Capital Gains (LTCG) Planning
Equity gains above Rs 1 lakh per year attract 10% tax.

Use systematic redemption to optimise tax liability.

Invest tax-efficiently to retain maximum returns.

Retirement Tax-Free Instruments
PPF remains tax-free at maturity.

Debt mutual funds held long-term have indexation benefits.

Choose funds that provide post-tax efficient returns.

Final Insights
Your Rs 1.25 crore goal is achievable with consistent investing.

A slight increase in step-up SIP can ensure a smoother journey.

Monitor fund performance and rebalance periodically.

Manage risks with proper insurance and an emergency fund.

Tax-efficient strategies will help maximise post-retirement income.

Planning beyond accumulation is essential for financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Latest Questions

Ramalingam Kalirajan |8073 Answers |Ask -Follow

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

Asked by Anonymous - Feb 02, 2025Hindi

Money

Mai 25 sal ka hu 6 sal nokri ho gye army mai shadi nahi ki abi 61000 pay hai samj nahi aa rahi kass investment kru

Ans: I will provide a detailed investment plan for you based on your age, income, and financial situation.

Financial Security Comes First
Emergency Fund: Keep at least 6 months' expenses in a bank FD or liquid mutual fund.

Health Insurance: Even if the army covers you, get a personal Rs 10-20 lakh health policy.

Term Insurance: If you have dependents, buy Rs 1 crore term insurance.

Investment Plan Based on Goals
Short-Term Goals (1-3 Years)
Keep funds in a bank FD or ultra-short-term mutual fund.

This is for urgent needs like a vehicle or course fees.

Medium-Term Goals (3-7 Years)
Invest in balanced mutual funds to grow wealth safely.

These funds balance risk and reward.

Long-Term Goals (7+ Years)
Invest in actively managed equity mutual funds through SIPs.

Choose a mix of large-cap, mid-cap, and flexi-cap funds.

Avoid index funds, as they cannot outperform the market.

Investing through a Certified Financial Planner (CFP) and MFD ensures better fund selection.

Asset Allocation for You
50% Equity Mutual Funds (for long-term wealth creation).

20% Balanced Mutual Funds (for medium-term stability).

20% Bank FD or Liquid Funds (for short-term needs).

10% Gold ETF or Sovereign Gold Bonds (for diversification).

Tax Considerations
Equity mutual fund gains above Rs 1.25 lakh taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your income slab.

FD interest is also taxable.

Finally
You are young and earning well. Start early to build wealth. Follow the right asset allocation. Investing with a Certified Financial Planner (CFP) helps avoid mistakes. Stay invested for the long term.

Best Regards,

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

Ramalingam Kalirajan |8073 Answers |Ask -Follow

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

Question by Dr. - Feb 01, 2025Hindi

Money

I have annual income 30L, with housing loan. which tax regime will be better

Ans: With an annual income of Rs 30 lakh and a housing loan, the old tax regime is usually better if you can claim deductions like:

Home Loan Interest (Rs 2 lakh under Section 24b)
80C (Rs 1.5 lakh for EPF, PPF, etc.)
NPS (Rs 50,000 under 80CCD(1B))
If deductions are high (Rs 4-5 lakh+), the old regime is better. Otherwise, the new regime may be simpler with lower tax rates.

Best Regards,

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

Ramalingam Kalirajan |8073 Answers |Ask -Follow

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

Question by satish - Mar 04, 2025Hindi

Money

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

Ramalingam Kalirajan |8073 Answers |Ask -Follow

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

Question by Dhiraj - Mar 03, 2025Hindi

Money

My parents had purchased a flat in 1978 which we sold in 2014 & bought a house now the price of the house has doubled from our purchase value, now as my parents r no more it's been transferred in my name in 2014 can I sell that flat & use the funds for swp, can we invest proceedings of the sold house in mutual fund for swp, kindly ADVISE. Also wat would be the capital gain tax. DDM

Ans: You inherited a house from your parents in 2014. Now, the house value has doubled, and you want to sell it. You also wish to use the proceeds for a Systematic Withdrawal Plan (SWP) in mutual funds. Let’s evaluate the taxation and investment aspects in detail.

Capital Gains Tax on Selling the House
Inherited Property Taxation Rules

When you inherit a house, there is no tax at the time of transfer. However, when you sell the house, capital gains tax applies.

Calculation of Cost of Acquisition

Since your parents purchased a flat in 1978 and later bought the house in 2014, the cost of acquisition will be the purchase price in 2014. This cost will be adjusted for inflation using the cost inflation index (CII).

Long-Term Capital Gains (LTCG) Tax

Since you are selling the house after more than two years, LTCG tax will apply. You need to calculate indexed capital gains, which is the difference between the selling price and the indexed cost of acquisition. The LTCG tax is 20% after indexation.

Exemptions Available

You can reduce your capital gains tax by using exemption options:

Section 54: If you buy another house within two years or construct a house within three years, you can claim an exemption.

Section 54EC: You can invest up to Rs 50 lakh in specified bonds (NHAI/REC) within six months of the sale to save tax. These bonds have a lock-in period of five years.

Using the Proceeds for SWP in Mutual Funds
Why SWP is a Good Option?

Instead of reinvesting in another house, you can invest in mutual funds and use an SWP. This provides regular cash flow while allowing capital growth.

Debt vs Equity Funds for SWP

Debt Funds: Lower risk but taxed as per your income tax slab.

Equity Funds: Higher risk but LTCG tax is only 12.5% above Rs 1.25 lakh.

Systematic Withdrawal Plan (SWP) Benefits

Regular income without selling large portions of investment.

Better tax efficiency compared to fixed deposits.

Principal amount remains invested and continues to grow.

Direct vs Regular Funds: Which is Better?
Risks of Direct Funds

Many investors choose direct funds to save commission. However, this can lead to poor investment decisions.

Need for Professional Guidance

A Certified Financial Planner (CFP) ensures that your investment strategy matches your financial goals. They also help with tax-efficient withdrawals.

Emotional Investing Issues

Direct fund investors often panic during market downturns. A CFP helps you stay invested with a structured withdrawal plan.

Best Way to Use the Sale Proceeds
Diversify Investment

Avoid investing all proceeds in one fund. Consider a mix of equity and debt funds for balanced growth.

Start SWP Only from Growth Investments

Your capital should grow at a higher rate than withdrawals. This ensures sustainability.

Tax-Efficient Withdrawal Strategy

Plan withdrawals to stay within lower tax brackets.

Finally
Selling the house will attract long-term capital gains tax.

Exemptions under Section 54 and 54EC can reduce tax liability.

Investing in mutual funds with SWP is a smart alternative to real estate reinvestment.

A Certified Financial Planner (CFP) can help with fund selection and tax-efficient withdrawal planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |8073 Answers |Ask -Follow

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

Asked by Anonymous - Feb 28, 2025Hindi

Money

How SBI PSU fund - Direct G

Ans: Public sector mutual funds invest in government-owned companies. These companies operate in sectors like banking, energy, and infrastructure. These funds aim to benefit from India's economic growth and government policies.

Let’s analyse their advantages, risks, tax impact, and suitability.

Advantages of Public Sector Mutual Funds
Growth Potential

Many government-owned companies dominate their sectors. They benefit from policy support and large-scale projects. This can drive long-term growth.

Dividend Income

Public sector companies often pay regular dividends. This can provide steady cash flow for investors.

Policy Support

Government-owned firms receive policy benefits. They get subsidies, contracts, and regulatory support. This reduces business risks.

Value Investing Opportunity

These stocks often trade at lower valuations. This can offer long-term value investment potential.

Sector-Specific Exposure

Investors can get targeted exposure to sectors like banking and energy. This can be useful if these sectors grow rapidly.

Risks in Public Sector Mutual Funds
Government Influence

These companies follow government decisions. This may not always align with shareholder interest.

Limited Growth in Some Sectors

Some public sector firms have low innovation. Their revenue growth may be slower than private firms.

High Volatility

Market reactions to government policies affect public sector stocks. This can increase fund volatility.

Debt and Capital Efficiency Issues

Many public sector firms have high debt. Their capital use is often inefficient. This can affect returns.

Economic and Political Impact

Economic downturns and political changes impact these funds. Their performance depends on government spending.

Who Should Invest in These Funds?
Investors with a Long-Term Horizon

These funds may need time to deliver strong returns. Patience is required.

Those Seeking High Dividend Yield

Investors looking for dividend income may find them useful.

People Comfortable with Government Exposure

If you trust government-backed firms, these funds may suit you.

Investors Who Understand Risks

You must be aware of economic and political risks.

Taxation Impact on Public Sector Mutual Funds
Long-Term Capital Gains (LTCG) Tax

Gains above Rs 1.25 lakh are taxed at 12.5%.

Short-Term Capital Gains (STCG) Tax

Gains are taxed at 20% if sold within one year.

Dividend Taxation

Dividends are added to your income and taxed as per your slab.

Direct vs Regular Funds: Which is Better?
Direct Funds Have Hidden Disadvantages

Many investors choose direct funds to save on commission. But this can lead to mistakes.

Lack of Expert Guidance

Investors often lack financial expertise. A Certified Financial Planner (CFP) can help you select the right fund.

Emotional Investing Risks

Many direct fund investors panic during market crashes. A CFP helps you stay invested.

Wrong Asset Allocation

Direct investors may choose funds without a clear strategy. This can hurt long-term returns.

Regular Funds Provide Better Portfolio Management

Investing through a CFP ensures disciplined investing. They also review and rebalance your portfolio.

How to Approach Public Sector Mutual Funds?
Understand Your Risk Profile

These funds have sector-specific risks. Check if they match your risk tolerance.

Diversification is Key

Don’t put all your money into one sector. A balanced portfolio is better.

Invest for the Long Term

Short-term volatility is high. A long investment period helps reduce risks.

Avoid Emotional Reactions

Public sector funds react to government policies. Stay invested without panic selling.

Seek Professional Advice

A CFP can help you decide if these funds fit your portfolio.

Final Insights
Public sector mutual funds offer high growth potential.

They also come with policy risks and volatility.

These funds suit long-term investors comfortable with government influence.

Tax efficiency depends on your holding period.

A CFP can help you optimise returns and manage risks.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Dr Dipankar Dutta |904 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Question by Satya - Mar 03, 2025Hindi

Career

Secured 92.4 percentile in JEE main Session-1.wether it will lead to eligibility for JEE Advance? Whether be eligible for CSE branch ? Which institute ?

Ans: Yes, you are eligible for JEE Advanced 2025

Dr Dipankar Dutta |904 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

Career

I get 86 percentile in jee mains what should i need to do in carrer

Ans: Decide if you want to take JEE again or join a college this year.
Look at state counseling options for government colleges.
Consider private universities with good placement records.
If you want to switch fields, look at BCA, B.Sc. Data Science, or professional courses.

Dr Dipankar Dutta |904 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

Career

My son got 97.33 ile.s1 can he eligible for computer science in any nit ..he is obc

Ans: He has a chance in newer and lower-ranked NITs. See previous year's cut off.

Dr Dipankar Dutta |904 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

Career

My son got 97.33 percentile in session 1 can any csc got in nit

Ans: He may get CSE at some lower NITs. See previous year's cut off.

Dr Dipankar Dutta |904 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

Career

My son got 93.10 percentile..we belong to obc NCL..wt is the expected category rank for him??he can get seat in tier 2 nit in any branch??

Ans: With 93.10 percentile in JEE Mains 2025 and OBC-NCL category, your son's expected category rank would be around 40,000 - 45,000 (CRL) and 10,000 - 12,000 (OBC-NCL Rank).
Yes, he has a chance of getting a seat in lower branches in Tier-2 NITs, especially in later rounds of JoSAA and CSAB counseling.

See more questions »

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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