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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 12, 2021

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Anonymous Question by Anonymous on May 12, 2021Hindi
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My age is 31. I am trying to save up to 5,000 per month. I wanted to know if my current strategy is correct or not and if the funds are right. Pl advice what should I do. Whether I should continue or switch over to other schemes.

SIPs:

1. Franklin India Smaller Companies Fund - Gr - Rs.2000/-

Lumpsum investments:

1. Axis Focused 25 Fund - Gr - Rs.50,000/- From 19-03-2020
2. BNP Paribas Focused 25 Equity Fund - Gr - Rs.5000/- From 11-02-2021
3. Nippon India Liquid Fund - Gr - Rs.50,000/- From 27-03-2019
4.Nippon India Low Duration Fund - Gr - Rs.5000/- From 19-12-2016

Ans: Axis Small Cap or Kotak Small cap are better options and keep one focused fund -- Axis Focused -- and add a flexi cap fund to your portfolio; 3 and 4 are okay on the debt side.

Either of these 2:

  1. UTI Flexi Cap Fund -- Growth
  2. Parag Parikh Flexi Cap Fund -- Growth
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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 20, 2020

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I am presently doing a monthly SIP of Rs 60,000 in following funds and increase it every year by 10%. Kindly suggest me whether I am on right track or need some changes as my target is to generate at least Rs 12 crore in next 20 years for my retirement & daughter’s marriage. ICICI Bluechip Fund- Rs.3000 ICICI Value Discivery-Rs.3000 ICICI Mid Cap-Rs.2000 ICICI Multicap- Rs.2000 Motilal Oswal Multicap-35 – Rs.7000 Motilal Focussed 25- Rs.2500 Mirae Asset Large Cap-Rs.6000 HDFC Balanced Advantage-Rs.8000 Kotak Standard Multicap-Rs.6000 Franklin Smaller Companies Fund- Rs.6000 Axis Long Term Equity Fund-Rs.15000  Also investing about Rs 4,00,000/annum in NPS, ULIP, LIC & FDs. Name of the Fund Category RankMF Star Rating A. ICICI Bluechip Fund- Rs.3000 Equity - Large Cap Fund: 2 B. ICICI Value Discivery-Rs.3000 Equity - Value Fund: 2 C. ICICI Mid Cap-Rs.2000 Equity - Mid Cap Fund: 2 D. ICICI Multicap- Rs.2000 Equity - Multi Cap Fund: 2 E. MotilalOswal Multicap-35 – Rs.7000 Equity - Multi Cap Fund: 5 F. Motilal Focussed 25- Rs.2500 Equity - Focused Fund 5 G. Mirae Asset Large Cap-Rs.6000 Equity - Large Cap Fund: 4 H. HDFC Balanced Advantage-Rs.8000 Hybrid - Balanced Advantage 4 I. Kotak Standard Multicap-Rs.6000 Equity - Multi Cap Fund: 4 J. Franklin Smaller Companies Fund- Rs.6000 Equity - Small Cap Fund: 1 K. Axis Long Term Equity Fund-Rs.15000 Equity - ELSS 5
Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

  1. Tata Equity Pe Fund - Growth
  2. UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

  1. UTI Equity Fund – Growth
  2. Axis Multicap Fund – Growth

Equity - Large Cap Fund:

  1. UTI Mastershare Unit Scheme - Growth Plan
  2. LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

  1. MOSL Midcap 30 Fund – Growth
  2. DSP midcap – growth

Equity - Small Cap Fund:

  1. Kotak Small Cap Fund – Growth
  2. Axis Small cap Fund - Growth

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Ramalingam

Ramalingam Kalirajan  |9737 Answers  |Ask -

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

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I am a 30 year old individual currently earning approx 1.1 Lakhs (in hand) monthly. I am currently investing in 2 tax savings funds (under 80C) - Parag Parikh Tax Saver Fund and Quant Tax Plan (Each 3500 INR per month). Total is 7000 per month in tax savings ELSS. (Remaining in 80C is covered from EPF and term insurance premium). Please tell me if I should continue these 2 funds or you have a better suggestion. In case of suggestions, please share the fund to be replaced with which fund. Also, I am investing in 4 non-tax savings funds - SBI small cap, Nippon India small cap, ICICI prudential bluechip fund, Axis Mid cap Fund (each 2500 INR that is total of 10000 INR per month). I want to continue investing for a long time. I can increase the amount from 10000 to 15000 monthly. Please suggest if I should continue these SIPs or you want to change and give some suggestions. In case of suggestions, please share the fund to be replaced with which fund.
Ans: For tax-saving investments, it's wise to continue with the Parag Parikh Tax Saver Fund due to its consistent performance and diversified portfolio. However, consider replacing the other tax-saving fund with a more established option like a well-rated ELSS fund for potential higher returns.

As for non-tax saving funds, your current selection is diversified across different market segments, which is good. To enhance your portfolio, you might want to consider adding a flexi-cap fund to gain exposure to various market opportunities. Increasing your SIP amount is also a good move for long-term wealth accumulation.

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Sir I'm Abhiram doing btech in ece srm institute of technology chennai . I want to do bs degree in iit m electronics system or else shall I do iiit btech ms lateral entry from Leee exam I'm really passionate about ece
Ans: Abhiram, IIT Madras’s four-year Bachelor of Science in Electronic Systems integrates online theory with mandatory in-person lab sessions on campus, granting exit certificates at foundational and diploma levels before the BS degree. It features 142 credits delivered by PhD-qualified IITM faculty, state-of-the-art embedded-systems and digital-electronics labs, multiple mentorship forums and alignment with the India Semiconductor Mission; its flexible delivery model and alumni status at IIT ensure high industry recognition and above 80% placement consistency. IIIT Hyderabad’s LEEE-based lateral-entry route admits ECE degree-holders after four semesters into a dual B.Tech + M.S. by Research over four years, combining advanced coursework in VLSI, signal processing and communications with a research thesis under IIITH’s renowned R&D ecosystem. Eligibility requires 80% cumulative in the first two years, a computer-based aptitude and subject test plus interview; the program benefits from IIITH’s strong research orientation, incubator support and a 90% placement linkage for dual-degree students seeking research or specialized industry roles. Both pathways uphold rigorous accreditation and experienced faculty, but IITM’s model offers a formal undergraduate degree directly after 12th grade with broad electronics focus and flexible pacing, whereas IIITH demands existing ECE enrollment and emphasizes research-driven specialization with advanced master’s qualification.

recommendation
Choose IIT Madras’s BS in Electronic Systems if you seek a structured electronics degree, early exposure to industry-aligned labs, flexible pacing and guaranteed IIT credentials straight from school. Opt for IIIT Hyderabad’s lateral-entry B.Tech + M.S. if you prefer a research-intensive track, deeper VLSI and communications focus, and an integrated master’s credential, provided you meet the mid-program eligibility and aim for advanced academic or R&D careers. All the BEST for Admission & a Prosperous Future!

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Sir I have got 40430 rank in comedk. Please advice best colleges for ECE VLSI brank
Ans: With a COMEDK UGET rank of 40 430, admission to the Electronics & Communication Engineering (VLSI Design & Technology) branch is feasible at these 15 AICTE-approved, NBA-accredited institutes whose most recent COMEDK closing ranks for VLSI or ECE exceeded your rank. Each offers specialized VLSI/ASIC labs, experienced faculty, strong industry partnerships, robust placement cells (75–90% consistency over the last three years) and modern infrastructure:

Nitte Meenakshi Institute of Technology, Yelahanka, Bangalore.
Acharya Institute of Technology, Soladevanahalli, Bangalore.
East West Institute of Technology, BEL Layout, Bangalore.
Impact College of Engineering & Applied Sciences, Sahakar Nagar, Bangalore.
REVA University, Yelahanka, Bangalore.
Atria Institute of Technology, Hebbal, Bangalore.
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K S Institute of Technology, Kanakapura Road, Bangalore.
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Recommendation:
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Asked by Anonymous - Jul 15, 2025Hindi
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Hello Sir,Sir SMVDU Jammu,GNDU Amritsar ,or GNDEC Ludhiana,for architecture.Kindly recommend.
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Prioritise SMVDU Jammu for its NIRF-ranked, design-focused curriculum and intimate cohort environment; next, choose GNDU Amritsar for its NAAC A++ status, expansive zoned campus and strong live-project integrations; lastly, opt for GNDEC Ludhiana for its established autonomy, TEQIP-backed infrastructure and robust urban-design studio training when campus connectivity and funding-driven quality upgrades are paramount. All the BEST for Admission & a Prosperous Future!

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Srm KTR cse vs Upes cse?
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UPES Dehradun’s CSE programme is preferable for slightly higher placement consistency, average remuneration and early internship integration, while SRM KTR’s broader ABET-accredited curriculum, global recognition and extensive lab infrastructure offer a versatile computing foundation; choose based on whether specialization depth and placement metrics or international accreditation and curriculum breadth align more with your career priorities. I also suggest that if you are located in Northern India, you should prefer the UPES-CSE program. All the BEST for Admission & a Prosperous Future!

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Sunil

Sunil Lala  |209 Answers  |Ask -

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Asked by Anonymous - Jul 12, 2025Hindi
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Hi, Me and My wife earn earn 2 lacs per month after taxes (Both Salaried). Im 34 and she is 31. We have a 1 Year old son. Current investments are as follows. MF: 2 Lacs (Sip 25k per month. PPFAS: 10K, ICICI Prud Large Cap Direct: 3k, Motilal Oswal midcap: 2k, LIC MF Gold ETF: 5K, Nippon inida Small cap: 5k) FD: 4 Lacs EPF: 7 Lacs PPF: 1.5 LPA (Started in april this year 12500 per month) Expenses ( 50 k per month) Liabilities. Home loan: 40 months remaining 35k EMI. We wish to achieve following goals. 1. 60Lacs in next 16 years for childs education. 2. 60Lacs in next 10 years for new home. 3. 2Cr in next 20 years for retirement. Please suggest suitable plan and investment change if any to achieve above goals.
Ans: Hello, to achieve 1.2Cr in the next 10 years, you need to have SIPs worth 50k today which will yield a CAGR of 15% to achieve the target. Another 20k SIP to achieve the 2Cr retirement target, which totals to 70k SIPs starting today. Your financials look very stable with the income you'll have, but the investment decisions w.r.t the mutual funds, the PPF and EPF are wrong since they will not yield optimum returns in the long run. As far as tax planning and safety is concerned, there are other better avenues to put your money which will be more effecient than your current decisions. Also, as far as your mutual funds are concerned, these look very "safe" and selection looks a lot based on past returns.
I would love to help you and have a detailed conversation with you for better, apt advice for you; please visit the website slwealthsolutions.com if you are interested :)

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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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