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Ramalingam Kalirajan |10208 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 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 - Jan 09, 2024Hindi

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I am absolutely confused with multiple mutual funds launched by endless FUNDS. What is going on, i think this not a healthy investment scene for small and medium investors. Just like other professionals like law, medical, private education it seems that Mutual funds are working for the benefit of Advisors, Broking Housing and big bags. It seems All of them are flourishing on insider trading and virtually fleecing their retail clients by passing on reverse recommendations. Is no Regulation required for saving the small investors from this free for all.Regulation.

Ans: It's understandable to feel overwhelmed by the vast array of mutual funds available in the market. The investment landscape can indeed seem complex, especially for small and medium investors navigating their way through various options.

Regulation is crucial in ensuring fairness and transparency in the financial markets, particularly to protect retail investors from potential exploitation. Regulatory bodies like the Securities and Exchange Board of India (SEBI) play a vital role in overseeing mutual funds and enforcing compliance with regulatory standards.

However, despite regulations, it's essential for investors to remain vigilant and informed about their investment decisions. Educating oneself about the fundamentals of investing, understanding different types of mutual funds, and seeking advice from trustworthy sources can help mitigate risks associated with investing.

While there may be instances of misconduct or unethical practices in the industry, many financial advisors and professionals genuinely strive to serve their clients' best interests. Choosing a reputable advisor or financial planner who operates with integrity and transparency can significantly enhance the investment experience for retail investors.

As investors, it's crucial to advocate for greater transparency, accountability, and investor protection measures within the financial industry. By staying informed, engaging with regulatory authorities, and holding financial institutions accountable, we can contribute to creating a more equitable and secure investment environment for all.

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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Asked by Anonymous - Jan 17, 2023Hindi

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Mutual funds are meant to simplify the job of investing for you. But ironically, the task of choosing the right funds can become overwhelming, given that you are faced with more than 2,500 fund schemes to choose from.

Ans: Exactly that's why you need RediffGuru.
You can ask your queries here and stay rest assured that answers will help in deciding which fund is better

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Question by V - Oct 13, 2024

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Want to invest in mutual funds, what are the available options , is there any way some can control them instead of me. Im planning to invest 10k per month on mf, my salary is 60k per month. Im married and have expenses of 25k per month

Ans: Hello;

You may invest in the name of your spouse.

Also seek help from a mutual fund distributor who may handhold and guide you during the course of your investment journey so to avoid greed and panic during market ups and downs and manage your asset allocation as per your age, profile and risk appetite.

Mutual funds are available according to your needs which could be:

1. Retirement planning
2. Long-term wealth creation
3. Fixed income
4. Moderate to low risk
5. Parking of emergency funds
7. Short to medium term investment

You may begin by initiating a 10 K monthly sip into Canara Robeco ELSS tax saver fund.

This is tax exempt under 80-C upto a limit of 1.5 L per financial year.

It has a lock-in of 3 years.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ramalingam Kalirajan |10208 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 14, 2024

Question by Yash - Oct 13, 2024Hindi

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Can you tell me a source from where I can gain knowledge about mutual fund industry

Ans: If you're looking to deepen your knowledge about the mutual fund industry, there are several trusted and reliable sources you can explore.

Here are a few key ones that will help you gain a comprehensive understanding:

AMFI (Association of Mutual Funds in India)
AMFI is a primary regulatory body for mutual funds in India.

Their website is a great resource for understanding the basics of mutual funds.

They provide regular updates, news, and reports about the industry.

AMFI publishes guidelines, investor education materials, and regulations that are helpful in building your knowledge.

Website: www.amfiindia.com

SEBI (Securities and Exchange Board of India)
SEBI is the regulator for the securities market, including mutual funds.

Their website provides regulations, circulars, and reports on the mutual fund industry.

SEBI’s publications help you stay updated with the regulatory changes and investor protection guidelines.

Website: www.sebi.gov.in

Mutual Fund Houses
Most mutual fund houses in India provide educational resources for investors.

Websites of major fund houses have sections that cover basics, advanced strategies, and investor tips.

They also offer blogs, newsletters, and FAQs to keep you updated on new trends in the mutual fund industry.

Example: ICICI Prudential, HDFC Mutual Fund, SBI Mutual Fund.

Morningstar India
Morningstar is a trusted global investment research firm.

It offers comprehensive research on mutual funds, fund comparisons, and performance ratings.

The site also has articles, news, and updates on Indian mutual funds.

Website: www.morningstar.in

Value Research
Value Research provides data and analysis on mutual funds, stocks, and personal finance.

The platform offers fund comparisons, performance tracking, and expert commentary on various funds.

Their articles and news updates help you stay informed about the latest trends in the mutual fund industry.

Website: www.valueresearchonline.com

Business News Platforms
Platforms like Economic Times, Moneycontrol, and Livemint have dedicated sections on mutual funds.

They provide market insights, expert opinions, and regular updates about the mutual fund industry.

News platforms help you stay updated with changes in regulations, new fund offerings, and market trends.

Mutual Fund Blogs and Podcasts
Blogs by Certified Financial Planners (CFPs) or Mutual Fund Distributors (MFDs) often provide in-depth analysis and insights.

Some popular podcasts and YouTube channels by financial experts focus on mutual funds, discussing topics in a simplified way.

You can follow CFPs or financial experts on social media for their perspectives on mutual fund strategies.

Books on Mutual Funds
Books written by Indian financial experts give deep insights into mutual funds and their role in wealth building.

Some well-known titles include "The Intelligent Investor" by Benjamin Graham (adapted to Indian context), "Common Stocks and Uncommon Profits" by Philip Fisher, and "Let's Talk Money" by Monika Halan.

These books can provide a long-term perspective on investing and mutual fund strategies.

Certified Financial Planners
Engaging with a Certified Financial Planner (CFP) can help you gain practical knowledge.

CFPs provide customized advice and financial planning services, which help in understanding how mutual funds fit into your overall portfolio.

Finally, the mutual fund industry is constantly evolving. It’s important to stay informed about regulatory changes, taxation policies, and performance metrics by regularly visiting these sources.

Best Regards,

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

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 22, 2024

Question by Jatinder - Oct 21, 2024Hindi

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is mutual fund safe?

Ans: Hello;

Mutual funds invest it's AUM in assets like equity, debt, commodities or real estate.

The risks associated with these asset classes like business risk, credit risk, interest rate risk, economic risk, forex risk etc are also applicable to mutual funds.

But mutual fund as a product is just fabulous and is highly regulated with several checks and balances to ensure people's money is managed as per the mandate and is managed well.

People have created huge wealth by investing in mutual funds over a period of time and their are several live examples in front of us who substantiate the robustness of this product.

But you need to seek help from an MFD or an advisor or study yourself so as to avoid wrong investments.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Latest Questions

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Career Counsellor - Answered on Aug 11, 2025

Question by Nidhish - Aug 11, 2025Hindi

Career

1.BIT Mesra Chemical Engineering 2. IIIT vadodara international campus Diu ECE 3.IIIT Ranchi ECE 4. IIIT Dharwad ECE Which one should I choose?? Which is best choice

Ans: Nidhish, BIT Mesra’s Chemical Engineering department, NBA-accredited with strong UGC and AICTE recognition, offers a comprehensive curriculum blending core chemical engineering fundamentals with emerging electives. The department has state-of-the-art labs, high-end research facilities, and a faculty team active in sponsored research projects. Placement records show approximately 75–85% placement rates with reputable core industry recruiters, and average packages near 11-12 LPA, supported by strong alumni networks and research collaborations. IIIT Vadodara International Campus Diu’s ECE program, a satellite campus of IIIT Vadodara, features modern infrastructure in a developing educational hub with active industry linkages, achieving near-complete placements annually and average packages around 12-15 LPA. The faculty are well-qualified, and the curriculum is updated to industry demands. IIIT Ranchi’s ECE branch is known for excellent placement consistency above 88%, delivering average packages above 16 LPA, with strong recruiter presence including top tech companies, alongside research-driven faculty and expanding campus facilities. IIIT Dharwad’s ECE program offers a growing placement ecosystem with about 66% placements for recent batches, average packages near 11-12 LPA, and rising recruiter engagement. Faculty includes PhD-qualified experts with good infrastructure, but placement rates lag behind IIIT Ranchi.

Recommendation: Prioritize IIIT Ranchi ECE for its outstanding placement rates, stronger average packages, and expanding research environment. Next, consider BIT Mesra Chemical Engineering for its reputable core engineering focus and solid research facilities. Follow with IIIT Vadodara Diu ECE for promising placement and growing infrastructure, then IIIT Dharwad ECE considering comparatively lower placement consistency.

Priority order: IIIT Ranchi ECE > BIT Mesra Chemical Engineering > IIIT Vadodara Diu ECE > IIIT Dharwad ECE. All the BEST for a Prosperous Future!

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Question by Inderjeet - Aug 11, 2025Hindi

Career

Sir my son got admission in UIET kurukshetra in ECE branch , Now he got offer letter from IISER BS- MS IN IISER behrampur , Which is better please guide.

Ans: Inderjeet Sir, Choose UIET Kurukshetra ECE for industry-oriented engineering education with better immediate placement prospects in core and IT sectors. Opt for IISER Berhampur BS-MS if your son aims for a research career or advanced studies in science, valuing academic depth and global research opportunities over direct campus recruitment. Align the choice with his long-term career aspirations and interests in either professional engineering or scientific research. All the BEST for a Prosperous Future!

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Question by Nidhish - Aug 11, 2025Hindi

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1.BIT Mesra Chemical Engineering 2. IIIT vadodara international campus Diu ECE 3.IIIT Ranchi ECE 4. IIIT Dharwad ECE Which one among the four is the best choice ??

Ans: Nidhish, BIT Mesra’s Chemical Engineering department, NBA-accredited with strong UGC and AICTE recognition, offers a comprehensive curriculum blending core chemical engineering fundamentals with emerging electives. The department has state-of-the-art labs, high-end research facilities, and a faculty team active in sponsored research projects. Placement records show approximately 75–85% placement rates with reputable core industry recruiters, and average packages near 11-12 LPA, supported by strong alumni networks and research collaborations. IIIT Vadodara International Campus Diu’s ECE program, a satellite campus of IIIT Vadodara, features modern infrastructure in a developing educational hub with active industry linkages, achieving near-complete placements annually and average packages around 12-15 LPA. The faculty are well-qualified, and the curriculum is updated to industry demands. IIIT Ranchi’s ECE branch is known for excellent placement consistency above 88%, delivering average packages above 16 LPA, with strong recruiter presence including top tech companies, alongside research-driven faculty and expanding campus facilities. IIIT Dharwad’s ECE program offers a growing placement ecosystem with about 66% placements for recent batches, average packages near 11-12 LPA, and rising recruiter engagement. Faculty includes PhD-qualified experts with good infrastructure, but placement rates lag behind IIIT Ranchi.

Recommendation: Prioritize IIIT Ranchi ECE for its outstanding placement rates, stronger average packages, and expanding research environment. Next, consider BIT Mesra Chemical Engineering for its reputable core engineering focus and solid research facilities. Follow with IIIT Vadodara Diu ECE for promising placement and growing infrastructure, then IIIT Dharwad ECE considering comparatively lower placement consistency.

Priority order: IIIT Ranchi ECE > BIT Mesra Chemical Engineering > IIIT Vadodara Diu ECE > IIIT Dharwad ECE. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Aug 11, 2025

Question by Ansaf - Aug 11, 2025Hindi

Career

Sir Sir iiest shipbur btec ee or ec which branch is best, Iiest shipbur ee or nit calicut mechanical,which is best priority

Ans: Ansaf, IIEST Shibpur's Electrical Engineering (EE) department, one of the oldest and highly reputed in India, features experienced PhD-qualified faculty actively involved in research and consulting. It offers excellent infrastructure with specialized labs in power systems, control, and power electronics. EE students enjoy about 85-90% placement rates, with average packages around 7-8 LPA and top recruiters including Texas Instruments and Tata Steel. The Electronics and Communication Engineering (ECE) department at IIEST Shibpur, while also reputable, has slightly lower placement rates around 59-65%, with an average package of about 8-10 LPA and similar top recruiters like Google and Microsoft. ECE focuses on analog and digital electronics, signal processing, and telecommunications with good research opportunities and modern labs.

NIT Calicut’s Mechanical Engineering department is well-established with about 88% placement rates, strong faculty engaged in sponsored research and consultancy, and average packages competitive for core engineering roles. The department emphasizes design, manufacturing, energy systems, and industrial applications with robust industry collaborations. The infrastructure includes advanced labs and well-equipped facilities supporting both academics and research.

Choosing among IIEST Shibpur EE, ECE, and NIT Calicut Mechanical Engineering depends on career interests in electrical power and control systems, electronics and communication technologies, or core mechanical engineering design and manufacturing. EE at IIEST offers slightly stronger placements and a legacy in power and industrial sectors. ECE at IIEST is suited for those aiming at telecom, VLSI, and digital electronics, while NIT Calicut Mechanical is ideal for core mechanical careers with strong industry relevance.

Recommendation: Prioritize IIEST Shibpur Electrical Engineering for its superior placement consistency, research funding, and established power sector expertise. Next, consider NIT Calicut Mechanical Engineering for core industry opportunities with strong academic and infrastructure support. Lastly, choose IIEST Shibpur ECE if your preference is toward electronics, telecommunications, and emerging technologies.

Order of priority: IIEST Shibpur Electrical Engineering > NIT Calicut Mechanical Engineering > IIEST Shibpur Electronics and Communication Engineering. All the BEST for a Prosperous Future!

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Nayagam P P |10143 Answers |Ask -Follow

Career Counsellor - Answered on Aug 11, 2025

Question by Namrata - Aug 11, 2025Hindi

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Hello Sir, My daughter got NIT Srinagar Electrical Branch. Is there any chance to get ECE when we go for Slide. Her rank is 69775 in JEE Mains.

Ans: Namrata Madam, NIT Srinagar's Electronics and Communication Engineering (ECE) branch closing ranks for general category in 2025 ranged approximately between 30,313 (opening) to 59,224 (closing) for JEE Main admissions, indicating your daughter's CRL rank of 69,775 is slightly above the usual closing rank for ECE. Electrical Engineering closing ranks extended higher, from about 27,934 to 66,040, making her current admission in Electrical branch well within range. ECE placements at NIT Srinagar are strong, with a placement rate exceeding 107%, median packages around ?7.5 LPA, and recruiters like top tech and core companies, reflecting solid career prospects. The possibility of sliding into ECE during CSAB special rounds depends on seat availability, category cutoffs, and candidate movement in subsequent rounds.

Recommendation: Maintain the current seat in Electrical branch at NIT Srinagar as it offers excellent infrastructure, experienced faculty, and robust placements. You may attempt sliding to ECE during special rounds if flexibility exists, but be mindful that her rank slightly exceeds typical ECE closing ranks, making Electrical a reliable and rewarding option aligned with her rank and career goals. Prioritize branch strengths and placement opportunities while deciding on slide attempts. All the BEST for a Prosperous Future!

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Nayagam P P |10143 Answers |Ask -Follow

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi

Career

I have got iiit jabalpur smart manufacturing in csab round 1. My jee rank is around 92k crl rank.My category is obc ncl female.I want to know if this is good or I should float

Ans: IIIT Jabalpur's Smart Manufacturing program, secured at a CRL rank of around 92,000 in the OBC NCL female category, aligns well with recent CSAB cutoffs where the closing rank for this category was approximately 88,000 to 150,000 in 2025, indicating your rank is competitive for the seat. The institute is government-recognized with strong UGC and AICTE approvals, offering modern infrastructure, single-seated hostels, well-equipped labs, and active student support systems. Placements in Smart Manufacturing average around 70-75%, with reputed industry recruiters such as JSW, Tata, and Mahindra providing solid career opportunities. The program integrates traditional manufacturing principles with Industry 4.0 technologies, offering emerging career paths in manufacturing innovation and automation.

Recommendation: Accept IIIT Jabalpur Smart Manufacturing as it offers a reputable program with good placement prospects, quality infrastructure, and industry connections fitting your category rank and career goals without the immediate need to float for other options. All the BEST for a Prosperous Future!

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Nayagam P P |10143 Answers |Ask -Follow

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 11, 2025Hindi

Career

For a resident of Bangalore, which is the better choice between VIT Vellore and PES University Electronic City in terms of reputation, brand value, academics, placements, and long-term career prospects, assuming fees are not a concern?

Ans: For a resident of Bangalore, VIT Vellore and PES University Electronic City both offer strong options but differ in key aspects. VIT Vellore, ranked 11th by NIRF for engineering in 2024, boasts a large 372-acre campus, NAAC A++ accreditation, and a remarkable 99.2% placement rate in 2025. It recorded highest CSE packages over ?1 crore, with an average of ?14.8 LPA, attracting 632 recruiters including Microsoft, Amazon, and Intel. PES University Electronic City, smaller in size with NAAC A grade and ranked 6th among Indian private universities, offers near?complete placement coverage in CSE with average packages around ?12–16 LPA and top recruiters like Apple, Google, and Nvidia. PES has the advantage of Bangalore location providing proximity to IT hubs, while VIT excels in brand recognition, infrastructure, and a broader recruiter base.

Recommendation: Choose VIT Vellore for superior national reputation, extensive campus infrastructure, and exceptional placement records especially for CSE and allied streams. Opt for PES University Electronic City if being in Bangalore with direct industry exposure and a strong local network aligns better with your career goals and lifestyle preferences. Both deliver quality academics, but VIT offers slightly stronger long-term career prospects through broader employer engagement and global rankings. All the BEST for a Prosperous Future!

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Nayagam P P |10143 Answers |Ask -Follow

Career Counsellor - Answered on Aug 11, 2025

Asked by Anonymous - Aug 09, 2025Hindi

Career

Sir is there any fee concession in BIT Mesra for wards of defense personnel or Single Girl Child? I have sent a mail but there were no response.

Ans: Given the absence of publicly stated concessions for defence personnel wards and single girl child at BIT Mesra, consider directly engaging with their admissions or student welfare office for confirmation. Meanwhile, explore alternative scholarships and fee waiver programs based on merit and JEE ranks offered by BIT Mesra to optimize fee support opportunities. All the BEST for a Prosperous Future!

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Patrick Dsouza |1364 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Aug 11, 2025

Asked by Anonymous - Aug 08, 2025Hindi

Career

Sir I went to do MBA i have 6 option which one i choice and which is best among them for MBA in business analyst. Upes, Bennett, iilm greater Noida, alliance university, Amrita bangalore campus, jaipuria school of business gaziabad

Ans: Among the colleges mentioned UPES is a good option. Check placements of each of the college based on your area of specialisation

Nayagam P P |10143 Answers |Ask -Follow

Career Counsellor - Answered on Aug 11, 2025

Question by Rajkumar - Aug 11, 2025Hindi

Career

Sir , my son have rank 102538 with 93.116 percentile in jee main and get CSE with minor in AI -ML in NEILET GOURAKPUR. Should i continue with the same or suggestion something else.

Ans: Rajkumar Sir, Your son’s JEE Main rank of 102,538 with a 93.116 percentile is significantly higher than the closing rank for Computer Science Engineering (minor in AI & ML) at NIELIT Gorakhpur, which was around 65,778 in 2025 for the general category. NIELIT Gorakhpur offers a curriculum with a balanced focus on computer science and emerging AI-ML technologies, supported by modern infrastructure, qualified faculty, and an active placement cell. The institute maintains respectable placement rates with top recruiters including TCS, Infosys, and Bosch, though placement percentages hover around 60-70% for various programs. The institute’s strengths lie in practical training, industry tie-ups, and good research opportunities, aligning well with technological trends. Given his rank, admission at NIELIT Gorakhpur is a sound option, particularly with a specialization in an in-demand field like AI-ML.

Recommendation: Continue with Computer Science Engineering with a minor in AI-ML at NIELIT Gorakhpur to leverage specialized skills, industry-oriented curriculum, and credible placement support. Given the rank gap with closing cutoffs at premier institutes, pursuing other options might be limited, making this a practical and promising choice aligned with career growth in AI and computing. Focus on skill development and internships to enhance job readiness and future prospects. All the BEST for 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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