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Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 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 - Jul 07, 2024Hindi
Money

Abhishek Asked on - Jun 26, 2024 Hi I am 43 Year old Software engineer having 1.6 Cr in Mutual Funds, 30L in FD and 13 L in NPS , 30 L in EPF and also have my own house with ground floor on rent, , currently earning Rs 1L a month. I have a 13 year old son, I am planning to retire by 45 , will it be possible or do I need to actively work for at least 7 more years, I have Term life insurance of 75L and health insurance as well. My needs are mostly modest with 50K - 60K needed for monthly expenditure in a tier 3 city (Indore)

Ans: I appreciate your thoughtful approach to your retirement planning. It’s clear you’ve made some solid financial decisions. Let’s delve into your current financial standing and evaluate whether you can achieve your retirement goal by age 45 or if you need to work longer.

You have Rs 1.6 crore in mutual funds, Rs 30 lakh in fixed deposits (FDs), Rs 13 lakh in the National Pension System (NPS), and Rs 30 lakh in the Employees’ Provident Fund (EPF). Additionally, you own a house with rental income from the ground floor. You’re earning Rs 1 lakh per month and have a term life insurance of Rs 75 lakh and health insurance in place. Your monthly expenses are modest, at Rs 50,000 to Rs 60,000, given you live in a tier 3 city.

Retirement Corpus Estimation
To determine whether you can retire at 45, we need to estimate the corpus required to sustain your post-retirement lifestyle. Your estimated monthly expenses are Rs 50,000 to Rs 60,000. Let’s take the higher end, Rs 60,000, for a more conservative estimate. Annually, this amounts to Rs 7.2 lakh.

Considering inflation, which typically ranges between 6-7% in India, your expenses will increase over time. Assuming you plan to retire in two years at 45 and live for another 35 years, you need to ensure your corpus can sustain this duration.

Existing Investments and Returns
Let’s analyze the potential growth of your current investments:

Mutual Funds: With Rs 1.6 crore in mutual funds, if we assume an average annual return of 12%, your corpus will continue to grow substantially.

Fixed Deposits: Your Rs 30 lakh in FDs, assuming an average return of 6-7%, will provide moderate growth.

NPS: With Rs 13 lakh in NPS, assuming an average return of 8-10%, this will also grow, though it’s more beneficial post-retirement due to tax benefits.

EPF: Your Rs 30 lakh in EPF, assuming an average return of 8%, will grow steadily.

Rental Income and Other Sources
The rental income from your ground floor adds a stable income stream, reducing the reliance on your investment corpus. This is a valuable asset as it offers a regular income, helping cover part of your monthly expenses.

Assessing Your Insurance Coverage
Your term life insurance of Rs 75 lakh is a good safety net for your family. Health insurance is crucial, especially post-retirement, to manage medical emergencies without dipping into your savings. Ensure your health coverage is adequate and review it periodically.

Evaluating the Need for Active Work Beyond 45
Given your current financial standing and the growth potential of your investments, let’s assess whether you need to work beyond 45.

Investment Growth: If your investments grow as estimated, they should provide a significant corpus. However, early retirement means relying on your investments for a longer period, increasing the impact of market volatility and inflation.

Expense Management: Your modest expenses are an advantage. However, consider potential increases due to health-related costs or lifestyle changes. Ensuring you have a buffer in your corpus for unexpected expenses is prudent.

Income Streams: The rental income adds a layer of financial security. If this income is reliable, it will significantly reduce the burden on your investment corpus.

Benefits of Actively Managed Funds
Since you already have a substantial investment in mutual funds, let’s discuss why actively managed funds might be more suitable than index funds. Actively managed funds have the potential to outperform the market, especially in volatile conditions. Skilled fund managers can make strategic decisions to maximize returns, which is crucial for early retirees relying on investment growth.

Regular vs. Direct Mutual Funds
Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential can provide several advantages. Regular funds, although they come with a slightly higher expense ratio, offer valuable advisory services. A CFP can help you navigate market fluctuations, rebalance your portfolio, and ensure your investments align with your retirement goals.

Preparing for Medical and Other Emergencies
Post-retirement, having a robust health insurance plan is vital. Ensure your health insurance covers a wide range of medical conditions and includes a high sum insured. Consider a family floater policy if it’s cost-effective. Review your policy annually and increase coverage if necessary.

Final Insights
Retiring at 45 is an ambitious goal, but with careful planning, it’s within reach. Here’s a summary of the steps to take:

Estimate Corpus: Ensure your retirement corpus can sustain your estimated expenses, factoring in inflation and longevity.

Investment Growth: Regularly review and rebalance your investment portfolio to optimize returns and manage risks.

Insurance Coverage: Maintain adequate health and life insurance to protect against unforeseen events.

Diversify Income: Ensure multiple income streams post-retirement, including rental income and investment returns.

Professional Advice: Consider engaging a Certified Financial Planner to guide you through complex financial decisions and optimize your investment strategy.

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  |9790 Answers  |Ask -

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

Asked by Anonymous - Apr 11, 2024Hindi
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You posted: Hi I am 36 years old married. I have a net worth of 4.2 crore which includes second home (bungalow in tier 2 city) of 1.25 Crore without any loan. Investment in equity & mutual fund of 90lakhs. Balance 2.05 Cr in debt, FD & gold. My monthly expense is ?60K. Salary of 1.8L per month. I have Life insurance for self and Health insurance for self and spouse. Can I retire with this amount in tier 2 city?
Ans: Congratulations on building such a substantial net worth at 36! Your financial discipline and strategic investments have put you in a strong position for the future. Let's assess whether you can retire comfortably in a tier 2 city with your current assets:

With a net worth of 4.2 crores, including investments, real estate, and other assets, you have accumulated a significant amount for retirement.

Your monthly expenses of 60K are relatively modest compared to your net worth and monthly income of 1.8L, which is a positive sign for retirement planning.

The absence of any outstanding loans, coupled with life and health insurance coverage, provides financial stability and security for you and your spouse.

Retirement readiness depends on various factors, including your desired lifestyle in retirement, inflation, healthcare costs, and potential unforeseen expenses.

Given your substantial net worth and relatively low monthly expenses, you may have the option to retire comfortably in a tier 2 city, especially if you continue to manage your finances prudently.

However, it's essential to consider factors such as inflation, healthcare expenses, and potential market fluctuations that could impact your retirement corpus over time.

As a Certified Financial Planner, I recommend conducting a detailed retirement projection analysis to assess whether your current assets are sufficient to sustain your desired lifestyle throughout retirement.

Additionally, continue to monitor and adjust your investment portfolio as needed to ensure it remains aligned with your financial goals and risk tolerance.

Remember, retirement is not just about financial readiness but also about emotional and psychological preparedness. Ensure you have meaningful activities and pursuits planned for your retired life.

With careful planning and ongoing financial management, you can look forward to a comfortable and fulfilling retirement in your tier 2 city.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

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

Asked by Anonymous - Jun 26, 2024Hindi
Money
Hi I am 43 Year old Software engineer having 1.6 Cr in Mutual Funds, 30L in FD and 13 L in NPS , 30 L in EPF and also have my own house with ground floor on rent, , currently earning Rs 1L a month. I have a 13 year old son, I am planning to retire by 45 , will it be possible or do I need to actively work for at least 7 more years, I have Term life insurance of 75L and health insurance as well. My needs are mostly modest with 50K - 60K needed for monthly expenditure in a tier 3 city (Indore)
Ans: Great to hear about your impressive financial progress. Let’s dive deep into your situation and analyze your retirement feasibility by age 45.

Current Financial Landscape
You have Rs 1.6 crore in mutual funds, Rs 30 lakh in FDs, Rs 13 lakh in NPS, and Rs 30 lakh in EPF. Your house also provides rental income. This solid base is commendable!

Your monthly salary is Rs 1 lakh, with Rs 50,000-60,000 needed for monthly expenses in Indore. Your term life insurance of Rs 75 lakh and health insurance provide necessary coverage.

Evaluating Your Retirement Plan
Retiring at 45 is ambitious, but not impossible. Let’s assess it.

Mutual Funds

Your Rs 1.6 crore in mutual funds is a great start. Mutual funds provide diversification and potential for good returns. However, ensure you have a mix of equity and debt funds. Equity funds can grow your wealth, but carry higher risk. Debt funds are more stable but offer lower returns. This mix will balance growth and safety.

Fixed Deposits (FDs)

Rs 30 lakh in FDs is safe but offers low returns. Consider reducing your FD amount and shifting some funds to mutual funds or other higher-yield options. This could enhance your growth potential without significantly increasing risk.

National Pension System (NPS)

Rs 13 lakh in NPS is good. NPS is beneficial due to tax benefits and long-term growth potential. Continue contributing to NPS, as it will be a key source of post-retirement income.

Employees’ Provident Fund (EPF)

Rs 30 lakh in EPF is another strong point. EPF provides a decent return and is a reliable retirement corpus. Ensure you continue contributing to this fund until retirement.

Real Estate

Your house with rental income adds to your financial stability. Rental income can supplement your expenses post-retirement. However, property management can be a hassle, so factor that into your plans.

Monthly Expenditure Analysis
You need Rs 50,000-60,000 monthly for expenses. This translates to Rs 6-7.2 lakh annually. Post-retirement, your income must cover this without depleting your savings.

Assessing Your Financial Goals
Retirement Corpus

To sustain Rs 6-7.2 lakh annual expenses, you need a substantial retirement corpus. Typically, financial planners suggest a corpus of 20-25 times your annual expenses. This means you need around Rs 1.2 crore to Rs 1.8 crore.

Your current savings and investments total Rs 2.33 crore (excluding rental income and insurance). This is close to your target, but let’s consider inflation and unforeseen expenses.

Analyzing the Feasibility of Retiring at 45
Inflation Impact

Inflation erodes purchasing power. Assuming an average inflation rate of 6%, your Rs 50,000-60,000 monthly need will grow. You must account for this when planning your retirement corpus.

Healthcare Costs

Health expenses tend to rise with age. Ensure your health insurance covers significant medical costs. Consider increasing your health insurance coverage if necessary.

Education Expenses

Your son is 13. Education expenses, especially higher education, can be substantial. Ensure you have allocated enough funds for this.

Emergency Fund

Maintain an emergency fund for unforeseen expenses. This fund should cover at least 6-12 months of expenses.

Power of Compounding
Mutual Funds Growth

Mutual funds benefit from the power of compounding. Over time, reinvested returns generate additional income, significantly growing your wealth. This is crucial for building a robust retirement corpus.

Evaluating Risks
Market Risk

Equity mutual funds are subject to market risk. Diversify your portfolio to mitigate this risk. Don’t put all your money in one type of investment.

Interest Rate Risk

FDs and debt funds are affected by interest rate changes. Balance these with equity investments for optimal returns.

Longevity Risk

You might live longer than expected. Ensure your corpus is adequate to support a longer retirement period.

Strategy for Early Retirement
Step 1: Diversify Investments

Ensure a balanced mix of equity, debt, and other assets. This reduces risk and optimizes returns.

Step 2: Increase Contributions

Increase contributions to your NPS and EPF. This enhances your retirement corpus.

Step 3: Continue Working

Consider working a few more years if possible. This boosts your savings and delays corpus withdrawal.

Step 4: Reevaluate Insurance

Ensure your term life insurance and health insurance are adequate. Adjust coverage as needed.

Step 5: Monitor and Adjust Portfolio

Regularly review and adjust your investment portfolio. This ensures alignment with your goals and market conditions.

Understanding Actively Managed Funds
Actively managed funds have professional managers making investment decisions. These managers aim to outperform the market, potentially providing better returns than index funds.

Advantages of Actively Managed Funds

Professional Management: Experts manage your investments.
Potential for Higher Returns: Aim to outperform the market.
Flexibility: Managers can adjust portfolios based on market conditions.
Disadvantages of Index Funds

Passive Management: No active decision-making.
Market-Linked Returns: Returns mirror the market, no chance of outperformance.
Lack of Flexibility: Fixed portfolio structure, no adjustments.
Benefits of Regular Funds
Expert Guidance

Investing through a Certified Financial Planner (CFP) provides professional advice and personalized strategies. CFPs guide you based on your financial goals and risk appetite.

Monitoring and Adjustments

Regular funds offer continuous monitoring and adjustments. This ensures your investments stay aligned with your financial goals.

Risk Management

CFPs help in managing risks through diversification and strategic asset allocation.

Final Insights
Retiring at 45 is ambitious, but with careful planning, it's possible. Your current financial status is strong, but consider the following steps:

Diversify Investments: Balance between equity, debt, and other assets.
Increase Contributions: Boost your NPS and EPF contributions.
Review Insurance: Ensure adequate life and health insurance coverage.
Consider Working Longer: A few more years of work can significantly strengthen your financial position.
Monitor and Adjust: Regularly review and adjust your investment portfolio.
Your current assets and income are commendable, and with strategic planning, you can achieve a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 05, 2024
Money
Sir I am 47 years old and want to retire in next 2-3 years. My portfolio is as under FD-22 L MF-22 L. ( SIP of 33000 running) Gold--10 L EPF--24 L and App Gratuity -10 L Equity--10 L Rental Income -25000 per month from 80 Lacs flat. ( No loan pending now) 1 cr term plan and 10 l mediclaim running Parental House -2.5 cr and Land -2.5 cr. My son is studying in second year of engineering. And my monthly hone expense is not more than 30000-35000 per month. Can I afford to retire ?
Ans: It’s commendable that you've accumulated a diverse portfolio with a clear retirement goal. Let's evaluate if your current portfolio aligns with a secure retirement.

Portfolio Review and Income Assessment
Based on your retirement aspirations, let’s consider each component of your portfolio and its potential to generate sustainable income:

Fixed Deposits (FD): Rs 22 lakh
FD interest can serve as a steady income source, though it typically yields lower returns, which may not keep up with inflation over the long term.

Mutual Funds (MF): Rs 22 lakh, with a SIP of Rs 33,000
MFs offer potential growth and help combat inflation. Continuing your SIPs could grow this corpus further, providing higher returns than fixed-income sources.

Gold: Rs 10 lakh
Gold adds stability and can be liquidated if needed. However, it might not be the best primary income source.

Employee Provident Fund (EPF): Rs 24 lakh and Gratuity Approx Rs 10 lakh
EPF and gratuity offer safe post-retirement funds. When you withdraw, they can be used as a source of regular income or reinvested for returns.

Equity Investments: Rs 10 lakh
Your equity investments add growth potential. Over time, this can be a crucial source to combat inflation.

Rental Income: Rs 25,000 per month
Rental income provides a consistent cash flow, covering a large portion of your monthly expenses. This income will be valuable post-retirement to meet regular needs.

Expense and Income Projection
With monthly expenses at Rs 30,000–35,000, and rental income already covering most of these costs, your current lifestyle is well supported. However, to retire comfortably, a buffer for healthcare, travel, and inflation is necessary.

Strategy for Retirement Readiness
Based on your assets and expected needs, here’s a recommended approach to secure a steady retirement income:

Mutual Fund Strategy
Continuing your SIPs for the next 2-3 years will help grow your corpus further. Consider moving part of the equity-based mutual funds into debt funds close to retirement to reduce risk while generating returns.

Systematic Withdrawal Plan (SWP)
At retirement, you can initiate an SWP from your mutual fund corpus, providing a steady income. This strategy allows capital appreciation with controlled withdrawals, reducing the risk of prematurely depleting your funds.

Fixed Deposit Laddering
To maximise interest rates and ensure liquidity, consider a laddering strategy with your FDs. This will help meet emergency needs and take advantage of better rates.

Rental Income
Your rental income of Rs 25,000 is a reliable source. To protect it, ensure the property remains well-maintained and consider lease renewals with trusted tenants to maintain stability.

Contingency for Healthcare and Son’s Education
Health Insurance: Rs 10 lakh
Assess your current health cover, especially considering rising medical costs. A top-up or super top-up plan could add an extra layer of protection.

Son’s Education
Your son’s education may require additional funding. Any shortfall could be met by partial liquidation of non-core assets, like gold or FDs, if needed.

Estate and Legacy Planning
Your parental house and land provide substantial long-term security. Though not income-generating immediately, they offer future flexibility if liquidated or rented.

Final Insights
Your assets, income sources, and low monthly expenses indicate a strong readiness for retirement. With minor adjustments for healthcare and education, you can comfortably meet your goals. Continuing your current SIPs for the next few years and optimising your FD and MF corpus will help sustain your income post-retirement.

Best Regards,

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

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Recommendation: Opt for IIIT Bhubaneswar CSE if you prioritise a broader software-engineering curriculum, consistent recruiter diversity and established tech-industry internships. Choose NIT Rourkela Biomedical Engineering for specialized healthcare-technology training, superior median biomedical placement rates and research-intensive project opportunities. All the BEST for a Prosperous Future!

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Sir, my son wants to go in financial field but he wants to do 12 th with Maths. He is not interested doing engineering. What are his options and which universities colleges he should Target ?
Ans: Abhish Sir, A strong foundational pathway into finance without engineering begins with programs such as Bachelor of Finance & Accounting (BFA), Bachelor of Business Administration (Finance), BAF, BCom (Finance), BFM or BBS (Finance). Eligibility typically requires completion of 12th grade with mathematics and a minimum 50–60 percent aggregate; many institutes conduct their own entrance tests (e.g., Christ University’s CUCET, Narsee Monjee’s NPAT, Symbiosis SET, SRCC DUET, SET, and NPAT) or accept national scores (CUET, IPMAT, DU JAT). Competition is high at premier colleges, with acceptance rates ranging from 10–30 percent. Placement cells report 80–98 percent campus-hire rates over the past three years, with roles in banking, financial analysis, investment management, risk management and consulting. Top ten undergraduate institutions to consider are:

Christ University, Bangalore (BBA Finance) – CUCET or CUET; 90 percent placements with banking and consulting recruiters.

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IFIM School of Management, Bangalore (BBA Finance) – IFIM entrance; 85 percent placements with fintech and analytics firms.

GITAM School of Business, Hyderabad (BBA Finance) – GITAM admission test; 80 percent placements in corporate finance roles.

Christ (Deemed to be University), Delhi NCR (BBA Finance) – CUCET; 89 percent placements in MNC financial teams.

recommendation: Target a diversified finance curriculum at institutions like Christ University or Symbiosis SBFC for high placement consistency and strong industry linkages. Prioritize colleges offering specialized finance curricula with rigorous entrance-based selection to maximize internships and campus-recruitment outcomes. All the BEST for a Prosperous Future!

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Asked by Anonymous - Jul 20, 2025Hindi
Career
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Ans: Bennett University’s B.Tech Computer Science & Engineering, established under the Times Group and NAAC A accreditation, follows an ACM-aligned curriculum spanning foundational courses in programming, data structures, algorithms, operating systems and advanced electives in AI, cybersecurity and data science, coupled with dual-specialization minors and a capstone project or internship. Its Career Services team engages over 230 recruiters—including Microsoft, Google, TCS and PwC—and delivered a 95–98% placement rate for the 2023 BTech cohort, with an average package of ?7.99 LPA and highest offers up to ?1.37 Cr, while robust Industry-Academia partnerships support specialized labs, hackathons and research projects. By contrast, Ratan Tata Maharashtra State Skills University’s B.Tech Information Technology embraces a 60:40 skill-to-academics ratio and NEP-aligned flexible exits, featuring a 1-year On-the-Job Training with industry certifications in AWS, DevOps and IoT. Its curriculum covers cloud computing, UI/UX, quantum computing and cybersecurity, emphasizing workplace competencies in live projects and mentorship through strategic corporate partnerships. As a skill-first state university founded in 2022, RT-MSSU’s inaugural BTech batches are yet to graduate, so placement data remains emergent, though its placement cell promises industry-integrated learning and startup support.

Recommendation: Prioritize Bennett University CSE for its proven high placement consistency, established industry network and advanced research infrastructure. Consider RT-MSSU IT if you value intensive skill training, guaranteed OJT exposure and flexible exit options, accepting early-stage placement uncertainty. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Career
Hello sir, my son may get bits hyd ms chemistry or Civil based on his BITSAT score likely in next round. Kindly guide as one is core and other is integrated. Please help me choose btw two in terms of curriculum, difficulty level and placement scenario of both the prog .urgent plz ! Thanks in advance
Ans: BITS Hyderabad’s four-year Integrated M.Sc. (Hons.) Chemistry immerses students in core courses—physical, organic, inorganic and analytical chemistry—supported by extensive hands-on labs in chemical experimentation and instrumental analysis, computational chemistry modules, electives such as nanomaterials and green chemistry, and two Practice School internships or a dissertation in the final year. The curriculum demands strong theoretical understanding, mathematical rigor and meticulous laboratory technique, with a focus on research methodology. The B.E. (Hons.) Civil Engineering programme provides a balanced mix of foundational courses—mechanics of solids, fluid mechanics, soil mechanics, surveying and structural analysis—advanced electives like earthquake engineering and construction management, and a 12-credit Practice School engagement or thesis. Civil students apply analytical problem-solving to design and field-based lab work using industry-standard software. Over the past three years, Integrated Chemistry graduates achieved an 87.39% placement rate with an average package of ?18 LPA, entering roles in research, consulting and core labs. Civil Engineering recorded an 87.23% placement consistency and average package of ?20.36 LPA, with core infrastructure, consulting and IT firms recruiting regularly. Both programmes benefit from strong industry MoUs, seasoned faculty, interdisciplinary projects and dedicated placement cells, yet differ in academic intensity and professional pathways.

Recommendation: Choose Integrated M.Sc. Chemistry for its research-driven curriculum, advanced lab infrastructure and strong consulting/R&D placement profile. Opt for B.E. Civil Engineering if your son prefers a core engineering pathway with broader infrastructure project exposure, slightly higher average packages and diverse recruiter engagement. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 20, 2025

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Order of choice for ECE in Bangalore ? RVCE, BMS, MSRIT, PES or any other college you would like to propose?
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Recommendation: Prioritise RVCE for its consistently superior placement outcomes, advanced VLSI and communication labs, high-calibre faculty and strong industry MoUs. Next, choose MSRIT for its centralized Practice School internships, near-perfect placement consistency and modern research infrastructure. Consider PES (RR Campus) for balanced academia, robust career services and diverse recruiter engagement. BMSITM may serve those seeking cost-effective education with decent training support, while exploring Dayananda Sagar or JAIN University for additional ECE options with competitive infrastructure and placement records. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Career
Which is better Nit Patna electronics engineering (vlsi design) or Nit jamshedpur mechanical or Nit Allahabad chemical or iiit guwahati cse or bit mesra cse (in terms of placements) ?
Ans: NIT Patna’s Electronics & Communication (VLSI) graduates achieved approximately 85% placement consistency over the past three years, supported by semiconductor firm visits and specialized microelectronics labs. NIT Jamshedpur’s Mechanical branch maintained around 91% placement rates, driven by core-sector recruiters such as Tata Steel, L&T and automotive firms, and enhanced by advanced workshops. MNNIT Allahabad’s Chemical Engineering reported close to 93% placement consistency, with major PSUs and petrochemical industries recruiting regularly and strong average offers around ?13.5 LPA. IIIT Guwahati’s CSE program saw roughly 67% of eligible students placed, with top-tier tech firms like Microsoft, Amazon and Google on campus and median packages near ?9 LPA, reflecting its growing industry integration. BIT Mesra’s CSE cohort experienced placement rates exceeding 90% in recent cycles, featuring roles at FAANG and consulting firms, supported by a robust alumni network and multidisciplinary internship pipelines. All institutions boast credible training and placement cells, industry-linked curricula, skilled faculty, modern infrastructure, and active alumni engagement to facilitate student employability.

Recommendation: For highest placement consistency and core-industry exposure, choose MNNIT Allahabad Chemical or NIT Jamshedpur Mechanical. Opt for BIT Mesra CSE if you seek a broader software-engineering curriculum with strong recruiter diversity. IIIT Guwahati CSE suits those prioritizing niche research labs despite lower placement rates. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Career
Which is better production engineering from NIT Agartala or mining from IIEST Shibpur
Ans: NIT Agartala's Production Engineering program holds NBA accreditation and is backed by NAAC A+ institutional grading, featuring modern manufacturing, automation, and quality-control laboratories equipped with CNC machines and advanced computing facilities. The department was established in 2005 with its first undergraduate batch graduating in 2009, and achieved an 80.5% placement rate in 2023, with major recruiters from automotive, manufacturing, and consulting sectors including Tata Motors, L&T, and various core engineering firms. IIEST Shibpur's Mining Engineering department, operational since 1906 as the oldest provider of technical mining knowledge in India, operates within an Institute of National Importance ranked 49th by NIRF 2024. The department features specialized laboratories for rock mechanics, mine ventilation, VLSI, and computational mining software like SURPAC and MINEX, with faculty expertise spanning geomechanics, coal bed methane extraction, and mineral beneficiation. Mining Engineering graduates achieved a 75-80% placement rate over recent years, securing positions with prestigious employers such as Coal India Limited, Tata Steel, Vedanta, and international consulting firms, alongside opportunities in PSUs and government regulatory bodies.

Recommendation: Choose IIEST Shibpur Mining Engineering for its Institute of National Importance status, specialized mining infrastructure, and strong PSU recruitment pathways. Opt for NIT Agartala Production Engineering if you prefer broader manufacturing industry exposure, higher recent placement consistency, and modern automation laboratories with diverse recruiter engagement. All the BEST for a Prosperous Future!

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