Please advise regarding the following portfolios.

No investments in ICICI Pru Tax Saver Fund for the last four years; only in Axis Tax Saver and DSP Tax Saver.

All funds are regular growth, except debt funds.

Risk appetite is moderate.

Portfolio 1 -- investor age, 35 years

Axis Blue Chip

Axis Long Term Equity

Canara Robeco Focused Fund

DSP Flexi Cap

HDFC Balanced

HDFC Flexi

ICICI Pru Tax Saver

Mirae Asset FANG+ NYSE ETF

Nippon India Pharma

Portfolio 2 -- investor age, 61 years

Axis Banking & PSU Debt

Axis Bluechip

Axis Growth Opportunity Fund

Axis Long Term Tax Saver

Edelweiss Balanced Advantage

ICICI Pru Corporate Bond

ICICI Pru Long Term Tax Saver

SBI Magnum Gilt Long Term Fund

Portfolio 3 -- investor age, 31 years

Axis Bluechip

DSP Tax Saver

ICICI Pru Tech, Growth

ICICI Long Term Tax Saver

Nippon India Pharma

Parag Parikh Flexi Cap

SBI Banking & Financial Service Plan, Regular Growth

Portfolio 4 -- investor age, 65 years

Axis Bluechip

Axis Long Term Tax Saver

Mirae Asset Emerging Bluechip

Mirae Asset Large Cap

ICICI Pru Long Term Equity Tax Saver

Portfolio 5 -- investor age, age 27 years

Axis Bluechip

Axis Long Term Tax Saver

Parag Parikh Flexi Cap

Tata Banking And Financial Services Fund

Tata Digital India

Tata India Pharma & Healthcare

Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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