Sir, could you please advise me on these SIPs. Shall I continue or make a switch?

Parag Parekh Flexi Cap Fund -- 10000
Mirae Asset Emerging BlueChip Fund -- 2500
HDFC Focused 30 Fund - Growth(CORG) -- 3000
HDFC Balanced Advantage Fund - Growth(GFG) – 3000

Ans: Top undergraduate courses for PCB (Physics, Chemistry, Biology) students extend well beyond medicine, offering diverse opportunities in clinical, allied health, research, and non-medical fields. Popular clinical options include MBBS, BDS, BAMS, BHMS, BUMS, BPT (Physiotherapy), B.Sc. Nursing, and Bachelor of Pharmacy, each leading to rewarding roles in healthcare and medicine. Allied health and paramedical courses such as B.Sc. in Medical Laboratory Technology, Optometry, Radiology, Cardiac Care, Perfusion, and Neurophysiology Technology are in high demand. Non-clinical science degrees like B.Sc. in Biotechnology, Microbiology, Genetics, Biochemistry, Environmental Science, Forensic Science, Zoology, Botany, Marine Biology, and Food Technology open doors to research, industry, and academia. Agriculture, veterinary science, nutrition and dietetics, and psychology are also strong options. Emerging interdisciplinary fields such as bioinformatics, cognitive science, and data science are accessible through specialized B.Sc. programs. PCB students can also pursue degrees in management, law, liberal arts, and education, expanding their career scope beyond traditional science. Many of these courses are offered at top universities through entrance exams like CUET, and eligibility usually requires 10+2 with PCB and minimum marks as specified by the program. The recommendation is to select a course aligning with your interests and long-term goals, considering both established medical paths and rapidly growing non-medical and interdisciplinary fields for broad career opportunities and personal fulfillment. All the BEST for the Admission & a Prosperous Future!

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Ans: You are 35 years old. Your take-home income is Rs 75,000 per month.
You already have a debt of Rs 10 lakhs.
There is no savings in hand right now.
These three points are very important.

Let us understand them one by one:

Rs 10 lakhs debt means you are already repaying an EMI.

With Rs 75,000 monthly income, your cash flow is limited.

Having no savings makes your situation vulnerable to emergencies.

In this situation, buying a new property worth Rs 1.4 crore is a big step.
Let us assess the implications of this move from a 360-degree view.

Monthly Cash Flow Stress

Let us estimate how much EMI you might need to pay.

For a 1.4 crore loan with 20 years term, EMI will be around Rs 1.2–1.3 lakhs.

But your take-home salary is Rs 75,000.

You may expect rental income of Rs 50,000.

Still, EMI exceeds your monthly inflow.
This creates a negative cash flow of Rs 45,000 to 55,000 per month.
You are already repaying for the Rs 10 lakh loan.
This adds further strain on your cash flow.

You may depend on personal loans or credit cards in future.
This may lead to a debt trap.

Risk of Vacancy or Rental Delay

Real estate income is not guaranteed monthly.
Tenants may delay payments or vacate anytime.
You may lose 1 to 3 months rent per year during vacancy.

During those months, you will pay the EMI from your pocket.
This will create more financial pressure.
With no emergency fund, it becomes risky.

You Have No Emergency Buffer

You mentioned zero savings.
That is a very critical concern.

Any health issue can disturb your finances.

Job loss or income cut can cause heavy damage.

If tenants vacate suddenly, EMI burden will be yours alone.

A Certified Financial Planner always advises to build an emergency fund first.
3 to 6 months of expenses should be saved in liquid form.
That should be your first financial priority.

Buying Property on Loan: Costly in Long Term

Let us assess this step from a long-term view:

A 1.4 crore loan for 20 years can cost over Rs 2.8 crores total with interest.

You will repay more than double the principal.

You are expecting Rs 50,000 rent per month.

But there are other costs too.

Hidden costs include:

Property tax

Maintenance

Repairs and painting

Insurance

Brokerage for tenant

Legal issues if any

Your net rental yield may drop below 3% annually.
This is not a high return.

Alternatives Can Give Better Control

With Rs 75,000 income and Rs 10 lakh debt, here is what you can do:

Step 1 – Build Emergency Corpus First

Save at least Rs 1.5 lakhs in a savings or liquid fund.

This will act as cushion for any emergency.

It avoids borrowing at high interest.

Step 2 – Start Debt Repayment Plan

Pay off high interest debt first, if any.

Avoid minimum payments on credit cards.

Negotiate better terms with lenders if possible.

Step 3 – Start Small SIPs in Regular Mutual Funds

Start Rs 2,000 to Rs 3,000 monthly SIP in regular mutual funds.

Invest via a Certified Financial Planner.

Direct mutual funds give no advice or hand-holding.

Wrong fund choice can reduce your returns.

Regular mutual funds through MFD with CFP guidance give:

Professional fund selection

Rebalancing advice

Tax planning

Behavioural coaching in tough markets

Direct mutual funds have no such support.
You may choose the wrong fund and lose returns.
The so-called "savings" on commission can cost you much more.

Your Rental House Plan: Review Key Points

You plan to buy a Rs 1.4 crore property to earn Rs 50,000 rent.
Let us relook at key aspects:

1. Rental Yield:
Rent is Rs 6 lakhs per year.
On a Rs 1.4 crore property, that is just 4.3%.
After expenses, net yield is even lower.

2. Loan Repayment:
Total EMI outflow in 20 years is over Rs 2.8 crores.
Property value may not grow in the same proportion.

3. Illiquidity:
Property cannot be sold quickly.
If you face financial need, this becomes a major problem.

4. Leverage Risk:
You are trying to buy big with borrowed money.
This increases financial risk.
Your income cannot support the EMI even with rental inflow.

Better Alternative Plan: Step-by-Step Financial Building

• First 6 months:

Cut unnecessary expenses.

Build emergency fund of Rs 1.5 lakhs.

Clear part of your Rs 10 lakh debt.

• Next 6 to 12 months:

Start SIPs of Rs 3,000 to Rs 5,000 monthly.

Take help from Certified Financial Planner.

Avoid real estate and ULIPs at this stage.

• Year 2 onwards:

Increase SIP gradually as income improves.

Clear your existing debt completely.

Build goal-based investment plan.

• Future plans:

Once you have Rs 15–20 lakhs corpus, evaluate property.

But buy only if cash flow supports EMI.

Prefer loan EMI not exceeding 40% of income.

Rent alone should not be your support for EMI.

Investment vs Asset Ownership

A rental house gives you ownership feeling.
But from financial angle, your focus should be wealth creation.

Actively managed mutual funds through Certified Financial Planners offer:

Flexibility

Tax efficiency

Professional fund management

Goal tracking

Liquidity

Real estate gives none of these.
Liquidity is poor.
Rental yield is low.
Buying on heavy loan is very risky.

Your Financial Stability Is Priority

At this point, your priority is stability.
Avoid aggressive financial decisions.

Debt of Rs 10 lakhs plus Rs 1.4 crore more can collapse your future.
Instead, take small consistent steps.

Build:

Emergency fund

SIPs

Debt repayment

Insurance coverage

Tax plan

This path leads to financial freedom.
Rental property can come later.

Avoid These Mistakes

Don’t chase rental yield with 100% loan.

Don’t invest all earnings into one single illiquid asset.

Don’t ignore insurance and savings.

Don’t assume rent will come on time always.

Don’t take emotional decision in property buying.

Finally

Buying a rental house now is not advisable.
Your income cannot support it.
Your savings are nil.
Your debt is already Rs 10 lakhs.

Real estate is not a good investment for your case today.
It creates heavy EMI pressure.
Instead, build foundation first.

Start with small SIPs

Clear existing debts

Build emergency reserves

Set clear financial goals

Get guidance from Certified Financial Planner

Take slow and safe steps.
That will take you to long-term wealth.
Don’t stretch your income for big loans.
Financial peace matters more than property ownership.

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

Ans: Sujit, COER University Roorkee’s B.Tech in Computer Science Engineering offers a comprehensive curriculum covering software development, AI, data science, and cybersecurity, supported by experienced faculty and modern labs. The university, established in 1998 and upgraded to a private university in 2021, boasts over 26 years of academic excellence, a strong digital library, and multiple centers of excellence. Placement records are solid, with 95% of the batch placed in 2024, an average package of ?5.2 lakh, and the highest at ?44 lakh, with recruiters like Infosys and TCS. Students appreciate the supportive faculty, good infrastructure, and opportunities for industry internships, though campus life is described as calm and could benefit from more extracurricular activities. Hostel facilities are decent, and the campus is well-equipped for focused study, though some students note that Wi-Fi and recreational amenities could improve. The university prioritizes research, innovation, and professional development, aiming to prepare students for both industry and higher education. The recommendation is to continue with CSE at COER University Roorkee if you value strong placement support, experienced faculty, and a focused academic environment, while also considering your personal preferences for campus life and extracurricular engagement. All the BEST for the Admission & a Prosperous Future!

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Ans: Hello dear.
Prefer CSE @ NMIMS Main Campus if possible.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: PDPU CSE offers a 90% placement rate with Computer Engineering graduates achieving strong industry outcomes through top recruiters like Amazon, Google, ONGC, and Reliance, while the curriculum includes modern technologies and practical industry exposure. LNMIIT Mechanical Engineering provides 70% placement with specialized focus but lower industry demand, whereas LNMIIT ECE delivers superior results with 70% overall placement rate, access to both core electronics and IT sectors, and top recruiters including Google, Amazon, Flipkart, and Goldman Sachs. PDPU ranks #101-150 in NIRF Engineering category while LNMIIT ranks #201-300, but LNMIIT demonstrates stronger academic reputation with experienced PhD faculty, modern infrastructure, and established alumni network in technology sectors. LNMIIT ECE graduates secure diverse opportunities in electronics, telecommunications, and software domains with consistent placement performance over recent years, while PDPU CSE focuses primarily on software and IT roles. Both institutions offer quality education but serve different career trajectories and industry connections. The recommendation is to choose LNMIIT ECE for its versatility in both core electronics and IT placements, superior academic environment, and broader career opportunities compared to PDPU CSE or LNMIIT Mechanical Engineering. All the BEST for the Admission & a Prosperous Future!

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Ans: Hello Manju
Chances are moderate to slim for IISET. Explore other options.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello Aryan
Preference order: (1) CSE @ COEP (2) Mech @ NIT-W (3) CSE @ VJTI. The final choice will be yours.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Hello dear.
Admission to VIT is determined by the entrance tests. Please inquire with VIT administration directly regarding your eligibility based on the board percentile.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Aaradhya, The JEE Advanced authorities can detect your Class 12 examination history through multiple verification mechanisms, making it nearly impossible to conceal your 2024 attempt. When you register for JEE Main, you must provide mandatory Class 12 board details including the year of first appearance, board name, roll number, and marks, which are stored in NTA's database. The JEE Advanced application form specifically asks for the "year of first attempt" which refers to when you were first eligible (2024 in your case), not when you actually appeared. Educational boards like CBSE maintain centralized digital repositories with 21+ years of examination data that can be verified online through systems like "Parinam Manjusha" and "eSanad". These databases track every examination attempt, including failures, and are accessible to educational institutions and examination authorities for verification. Advanced biometric technologies, fraud detection systems, and cross-verification protocols are increasingly being implemented to prevent such misrepresentation. Even if you claim 2025 as your passing year, the authorities can cross-check your JEE Main 2024 registration data, which would have contained your 2024 Class 12 attempt details, creating an irreconcilable discrepancy that would expose the fraud.

The recommendation is to accept your ineligibility for JEE Advanced 2026 and explore alternative engineering entrance exams or private universities, as attempting to misrepresent your Class 12 history carries severe legal consequences including permanent debarment and criminal charges for document fraud. All the BEST for the Admission & a Prosperous Future!

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