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Ramalingam

Ramalingam Kalirajan  |8158 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 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
MSS Question by MSS on Jun 30, 2023Hindi
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Money

Hi sir ,please advise me iam having axis blue chip fund(G), ICICI Pru Value discovery fund(G),Mirae Asset Large cap (g),Motilal Osawal Nifty bank index fund (G),Quant active fund (G), SBI flexi cap fund , can i continue above funds ,please advise me

Ans: Evaluating Your Mutual Fund Portfolio for Optimal Performance

Your existing portfolio comprises a mix of equity and index funds, reflecting a diversified approach to investment. Let's assess each fund's performance and suitability to determine whether to continue or make any adjustments.

Analyzing Your Current Holdings

Axis Blue Chip Fund, ICICI Pru Value Discovery Fund, Mirae Asset Large Cap Fund, SBI Flexi Cap Fund, and Quant Active Fund offer exposure to various segments of the equity market, providing diversification benefits.

Motilal Oswal Nifty Bank Index Fund focuses on tracking the performance of the Nifty Bank Index, offering exposure to the banking sector.

Performance Evaluation

Evaluate each fund's historical performance relative to its benchmark and peer group. Assess factors such as consistency of returns, risk-adjusted performance, and fund manager expertise.

Consider the fund's investment strategy, portfolio composition, and expense ratio. Ensure alignment with your risk tolerance and investment objectives.

Identifying Areas for Potential Adjustment

Overlapping Holdings: Review your portfolio for any overlapping holdings or duplicate exposures across funds. Consolidate similar investments to streamline your portfolio and optimize diversification.

Underperforming Funds: Identify any funds that consistently underperform their benchmarks or peers. Consider replacing them with alternatives that offer better prospects for growth and align with your investment goals.

Asset Allocation: Maintain a balanced asset allocation across different fund categories to manage risk effectively and achieve your long-term financial goals.

Recommendations

Continue Well-Performing Funds: Retain funds that have demonstrated consistent performance, robust fundamentals, and alignment with your risk profile. These funds contribute to diversification and long-term growth potential.

Review Underperforming Funds: Evaluate underperforming funds and consider replacing them with better alternatives. Focus on funds with strong track records, experienced fund managers, and clear investment strategies.

Seek Professional Guidance: Consult with a Certified Financial Planner to review your portfolio, identify areas for improvement, and develop a personalized investment strategy. Professional guidance can help optimize your portfolio and maximize returns over time.

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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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Jun 15, 2023

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Money
Sir i have investment in SBI Blue chip fund, SBI Large & Midcap fund and Invesco Infrastructure fund can i continue or switch Suggest any best Equity fund in Mutual fund for 2 yrs time..
Ans: SBI Blue chip fund invests in large-cap (top 100 companies) stocks and it is known for investing in well-established companies with stable growth potential. The performance of the fund is at par and the fundamentals of the fund are also good. Consider continuing with the fund

SBI Large & Midcap fund invests in both large-cap and mid-cap stocks. Mid-cap stocks generally have higher growth potential but may also be subject to increased volatility. If you have a higher risk tolerance and believe in the growth prospects of mid-cap companies, you might consider continuing with this investment. However, please be aware that mid-cap funds can be more volatile than large-cap funds.

Invesco Infrastructure fund works on a specific theme which focuses on investing in infrastructure-related companies and it is suitable for investors with a higher risk appetite and a long-term investment horizon. If you have a high-risk tolerance and a positive outlook on the infrastructure sector, you may consider continuing with this investment.

Coming to your query regarding an equity-oriented fund for two year time horizon. We do not recommend to investment in pure equity funds if your investment horizon is of less than 3 years. As the equity markets are volatile, every fund requires at least a 3 years’ horizon to stabilize in the portfolio. However, if you still wish to invest you can go for a hybrid fund or index fund.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

..Read more

Ramalingam

Ramalingam Kalirajan  |8158 Answers  |Ask -

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

Money
Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - Rs.2,50,000, (2) ICICI/ Value Discovery Fund - Growth - Rs.2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - Rs.2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - Rs.5,000, (5) Canara Robeco Emerging Equities - Regular Plan - Rs.5,000, (6) Aditya Birla SL Focused Equity Fund(G) - Rs.15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - Rs.5,000, (8) ICICI Pru Bluechip Fund(G) - Rs.5,000, (9) Axis Small Cap Fund - Regular Plan - Rs.5,000, (10) ICICI Prudential Technology Fund - Growth - Rs.5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - Rs.5,000, (12) ICIPRU Multi-Asset Fund - Growth - Rs.5,000, (13) ICIPRU Value Discovery Fund - Growth - Rs.5,000. Thank You.
Ans: Your current mutual fund portfolio reflects a thoughtful mix of investments. Here's a detailed evaluation to help you decide whether to continue with them or make adjustments.

One-Time Investments
ICICI India Opportunities Fund - Growth

This fund focuses on capturing opportunities in various sectors. It is suitable for investors with a high-risk tolerance and long-term horizon. If you fall into this category, continue holding this fund.

ICICI Value Discovery Fund - Growth

This fund aims to discover undervalued stocks. It has a good track record but requires patience. If you can handle short-term volatility, it’s a good hold for long-term gains.

ICICI Transportation & Logistics Fund - Growth

This sectoral fund targets the transportation and logistics sector. Such funds can be volatile and are suitable only if you have high sectoral conviction. If not, consider reallocating to more diversified funds.

Systematic Investment Plan (SIP) Monthly
Axis Flexi Cap Fund - Regular Plan

A flexi cap fund offers diversification across various market caps. This fund is known for its stable performance. Continue your SIP in this fund for balanced exposure.

Canara Robeco Emerging Equities - Regular Plan

This fund focuses on emerging companies with growth potential. It’s a good choice for aggressive investors. If your risk appetite supports it, continue this investment.

Aditya Birla SL Focused Equity Fund(G)

Focused funds invest in a limited number of stocks, offering high growth potential but also higher risk. If you can withstand market fluctuations, this fund can be a valuable part of your portfolio.

HDFC Mid-Cap Opportunities Fund(G)

Mid-cap funds invest in medium-sized companies with high growth potential. This fund is well-regarded for its consistent performance. Continue your SIP for long-term wealth creation.

ICICI Pru Bluechip Fund(G)

Bluechip funds invest in large, well-established companies. They offer stability and moderate returns. This fund is a good choice for conservative investors seeking steady growth. Continue your investment.

Axis Small Cap Fund - Regular Plan

Small cap funds invest in smaller companies with high growth potential but also higher risk. If you have a high risk tolerance and a long-term horizon, continue this SIP.

ICICI Prudential Technology Fund - Growth

Technology funds can be volatile but offer high growth potential. If you believe in the long-term growth of the tech sector, continue this investment.

HSBC Midcap Fund

Midcap funds are suitable for investors looking for higher returns and willing to accept moderate risk. This fund has a good track record. Continue your SIP for potential high returns.

ICICI Pru Multi-Asset Fund - Growth

This fund invests across various asset classes, providing diversification and reducing risk. It’s a balanced choice for moderate-risk investors. Continue your investment for diversified growth.

ICICI Pru Value Discovery Fund - Growth

As mentioned earlier, this fund focuses on undervalued stocks. If you have patience and a long-term horizon, it remains a good choice.

Recommendations for New Investments
Based on the current market trends and performance, consider these high-performing funds for new investments:

Large Cap Fund

Investing in large-cap funds provides stability and consistent returns. These funds are less volatile and are a good option for conservative investors.

Mid Cap Fund

Mid-cap funds offer a balance between risk and return. They are suitable for investors looking for higher growth without the high volatility of small caps.

Balanced Advantage Fund

These funds dynamically allocate assets between equity and debt, based on market conditions. They offer stability and moderate growth, suitable for conservative to moderate investors.

International Equity Fund

Investing in international equity funds can provide geographical diversification and hedge against domestic market volatility.

Conclusion
Your current portfolio is well-diversified and has a mix of sectors and market caps. Most of your investments are performing well and align with long-term growth strategies. By adding a few new high-performing funds, you can enhance your portfolio’s performance and diversification.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 24, 2025Hindi
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Career
I scored 61 percentile in JEE main session 1 can you suggest the name of the colleges for engineering and which engineering branch should I choose as per future demand for successful career
Ans: 61 percentile is much on lower side. It’s important not to rely solely on JEE — have Plan B and Plan C by exploring other institutes through JoSAA counselling and considering alternative branches. Additionally, appearing for 2-3 more engineering entrance exams and participating in the counselling process of other reputed colleges for your preferred branches is highly recommended. This approach will increase your chances of securing a good college and branch. However, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 25, 2025Hindi
Listen
Obc rank at 17k crl in jee mains
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 26, 2025Hindi
Listen
Career
I am a rajasthan boy got 91.14 percentile in jee main 2025 . Any chance of getting college
Ans: You can try through JoSAA Counselling Process. However, it’s important not to rely solely on IIITs—have Plan B and Plan C by exploring other institutes through JoSAA counselling and considering alternative branches. Additionally, appearing for 2-3 more engineering entrance exams and participating in the counselling process of other reputed colleges for your preferred branches is highly recommended. This approach will increase your chances of securing a good college and branch.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

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


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Listen
Career
I got 98.2 percentile in jee mains 2025 Jan attempt can I get core branches in top NITs
Ans: Priyanshu, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

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


Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.


If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirants & Engineering Students.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Listen
Career
I scored 92.2 % ile in jee mains. Can I get into any iiit? If yes please name them if possible! I have been checking jossa counselling closing rank buy can't search for an iiit at this rank or I am missing any iiit?
Ans: Securing admission into any IIIT for CSE or other top in-demand branches with a 92.2 percentile will be slightly challenging. It’s important not to rely solely on IIITs—have Plan B and Plan C by exploring other institutes through JoSAA counselling and considering alternative branches. Additionally, appearing for 2-3 more engineering entrance exams and participating in the counselling process of other reputed colleges for your preferred branches is highly recommended. This approach will increase your chances of securing a good college and branch.

And, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

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



Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education' for Engineering Aspirnats & Engineering Students.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 25, 2025Hindi
Listen
Career
How much percentile do I need to get maths and computing in nit kurukshetra, being girl from obc NCL OS
Ans: Here is, How to Predict Your Chances of Admission into NIT Kurukshetra for MnC – A Step-by-Step Guide

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

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

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

Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

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

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 24, 2025Hindi
Listen
Career
Can i get nit Or iiit with 92.3 percentile in jee mains.. Im obc ncl female.. Cs would be difficult so could i get into ece or eee or civil..Can u tell me which ones could i get and how to participate in counselling.. And i saw 2 lac plus rank in jee got pondicherry engineering college .. How do i participate in that.?
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

To know how to particpate JoSAA Counselling Process, please watch a EduJob360 Video on JoSAA Counselling. & other 180+ Videos on 'Jobs | Careers | Education' for Engineering Aspirants.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4387 Answers  |Ask -

Career Counsellor - Answered on Mar 26, 2025

Asked by Anonymous - Mar 24, 2025Hindi
Listen
What best I can get with 98.98 percentile in JEE Mains ? Category - Gen-EWS , Rajasthan
Ans: Congrats for Scoring 98.98 percentile in your JEE-Mains. Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

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

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

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

Example Calculation:

If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

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

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

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