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35 year old with 20 lakhs debt, how to get out ASAP?
Ramalingam Kalirajan |10872 Answers |Ask -Follow
Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025
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
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
Question by Anil on Feb 04, 2025Hindi
At the age of 35 I had 15 lakhs saving, but due a surgery at home I had to almost empty it, on top of it even I had gone through and surgery plus even my father too ( all three generations nero issue) from +15 I went to 25lakhs of debt From various apps and financial sector. I was able to settle few loans and credits but still my outstanding is approx 20 lakhs. My monthly income is 25000 and my only intrest per month is 12500 How do I get of it asap, as living a normal life seems magic.
Ans: Your financial situation is challenging, but not impossible to fix. With a structured approach, discipline, and patience, you can come out of this debt and regain financial stability. Below is a step-by-step guide to help you get back on track.
Understanding the Current Financial Situation
You had Rs. 15 lakhs in savings, but due to medical emergencies, your finances took a hit.
Now, you are left with Rs. 20 lakhs of debt, with an income of Rs. 25,000 per month.
Your monthly interest alone is Rs. 12,500, which is eating up 50% of your earnings.
The key priority should be reducing interest burden and increasing cash flow.
Steps to Reduce Your Debt Faster
1. Stop Borrowing More Money
Do not take new loans to pay old loans.
Avoid borrowing from friends or family unless it is interest-free and comes with no pressure.
Stay away from personal loans, credit card loans, and payday loans, as they have high interest rates.
2. Prioritise High-Interest Loans First
List down all your loans and interest rates.
Pay off loans with the highest interest rate first.
If possible, negotiate with lenders for lower interest rates.
3. Consolidate Loans for Lower Interest Rate
Check if a bank can give you a low-interest personal loan to clear high-cost debts.
If you have a good credit history, you may get a balance transfer facility on credit cards or personal loans.
Consider a secured loan against any assets, but only if the interest rate is much lower.
4. Increase Your Monthly EMI Payment
Paying only the minimum EMI will keep you stuck in debt for years.
Try increasing your EMI by even Rs. 2,000-3,000 per month to reduce the loan tenure.
Any extra income, bonus, or gift money should go towards clearing debt first.
Boosting Income to Tackle Debt
5. Explore Part-Time Work or Freelancing
A second source of income can help you clear your debt faster.
Consider freelancing, online tutoring, content writing, data entry, or delivery jobs.
If possible, take up overtime or extra shifts at work.
6. Use Your Skills to Earn More
Identify any skills that can help you earn extra money.
If you have a talent for repair work, photography, teaching, or writing, offer your services.
Even small extra earnings of Rs. 5,000-10,000 per month can speed up debt repayment.
7. Rent Out Assets for Passive Income
If you have an extra room, vehicle, or any asset, consider renting it.
This can bring in some cash flow without extra effort.
Cutting Expenses to Free Up More Cash
8. Reduce Non-Essential Spending
Track every rupee spent and eliminate unnecessary expenses.
Stop eating out, buying expensive clothes, or making impulsive purchases.
Switch to cheaper alternatives for groceries, transport, and entertainment.
9. Pause Investments Until Debt is Cleared
Right now, clearing debt should be the priority over investing.
Stop SIPs or investments temporarily and resume them once debts are under control.
Avoid risky investments like stocks or crypto, as losses can worsen your situation.
10. Negotiate Bills and Cut Fixed Costs
Talk to your landlord, service providers, and utility companies for possible discounts.
If possible, shift to a smaller house or a cheaper location to save on rent.
Reduce electricity, water, and mobile bills by using them wisely.
Managing Financial Stress and Mental Health
11. Accept the Situation Without Guilt
Medical emergencies are unpredictable, and you did what was needed for your family.
Do not feel guilty or blame yourself. Instead, focus on the solution.
12. Involve Your Family in Financial Planning
If you have a spouse, siblings, or parents who can help, discuss the situation with them.
They may not be able to give money, but they can support in other ways.
13. Stay Positive and Focused
Financial stress is tough, but worrying too much will not solve the problem.
Stay focused on taking action every month to improve your situation.
Celebrate small wins like closing one loan or saving an extra Rs. 1,000.
Long-Term Financial Stability
14. Build an Emergency Fund Once Debt is Cleared
After clearing debt, start saving at least Rs. 2,000 per month as an emergency fund.
This will help in handling future emergencies without taking loans.
15. Invest Smartly for Future Growth
Once financially stable, invest wisely in well-managed mutual funds for long-term wealth.
Avoid financial products with hidden charges like ULIPs or endowment plans.
16. Get Proper Health Insurance
Medical expenses caused the current debt. Invest in health insurance to prevent this in the future.
Look for affordable policies covering major illnesses.
Finally
The journey out of debt is difficult but achievable with the right approach.
Focus on reducing high-interest loans, earning more, and cutting unnecessary expenses.
Take small steps each month, and within a few years, you will be debt-free and financially stable.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Understanding the Current Financial Situation
You had Rs. 15 lakhs in savings, but due to medical emergencies, your finances took a hit.
Now, you are left with Rs. 20 lakhs of debt, with an income of Rs. 25,000 per month.
Your monthly interest alone is Rs. 12,500, which is eating up 50% of your earnings.
The key priority should be reducing interest burden and increasing cash flow.
Steps to Reduce Your Debt Faster
1. Stop Borrowing More Money
Do not take new loans to pay old loans.
Avoid borrowing from friends or family unless it is interest-free and comes with no pressure.
Stay away from personal loans, credit card loans, and payday loans, as they have high interest rates.
2. Prioritise High-Interest Loans First
List down all your loans and interest rates.
Pay off loans with the highest interest rate first.
If possible, negotiate with lenders for lower interest rates.
3. Consolidate Loans for Lower Interest Rate
Check if a bank can give you a low-interest personal loan to clear high-cost debts.
If you have a good credit history, you may get a balance transfer facility on credit cards or personal loans.
Consider a secured loan against any assets, but only if the interest rate is much lower.
4. Increase Your Monthly EMI Payment
Paying only the minimum EMI will keep you stuck in debt for years.
Try increasing your EMI by even Rs. 2,000-3,000 per month to reduce the loan tenure.
Any extra income, bonus, or gift money should go towards clearing debt first.
Boosting Income to Tackle Debt
5. Explore Part-Time Work or Freelancing
A second source of income can help you clear your debt faster.
Consider freelancing, online tutoring, content writing, data entry, or delivery jobs.
If possible, take up overtime or extra shifts at work.
6. Use Your Skills to Earn More
Identify any skills that can help you earn extra money.
If you have a talent for repair work, photography, teaching, or writing, offer your services.
Even small extra earnings of Rs. 5,000-10,000 per month can speed up debt repayment.
7. Rent Out Assets for Passive Income
If you have an extra room, vehicle, or any asset, consider renting it.
This can bring in some cash flow without extra effort.
Cutting Expenses to Free Up More Cash
8. Reduce Non-Essential Spending
Track every rupee spent and eliminate unnecessary expenses.
Stop eating out, buying expensive clothes, or making impulsive purchases.
Switch to cheaper alternatives for groceries, transport, and entertainment.
9. Pause Investments Until Debt is Cleared
Right now, clearing debt should be the priority over investing.
Stop SIPs or investments temporarily and resume them once debts are under control.
Avoid risky investments like stocks or crypto, as losses can worsen your situation.
10. Negotiate Bills and Cut Fixed Costs
Talk to your landlord, service providers, and utility companies for possible discounts.
If possible, shift to a smaller house or a cheaper location to save on rent.
Reduce electricity, water, and mobile bills by using them wisely.
Managing Financial Stress and Mental Health
11. Accept the Situation Without Guilt
Medical emergencies are unpredictable, and you did what was needed for your family.
Do not feel guilty or blame yourself. Instead, focus on the solution.
12. Involve Your Family in Financial Planning
If you have a spouse, siblings, or parents who can help, discuss the situation with them.
They may not be able to give money, but they can support in other ways.
13. Stay Positive and Focused
Financial stress is tough, but worrying too much will not solve the problem.
Stay focused on taking action every month to improve your situation.
Celebrate small wins like closing one loan or saving an extra Rs. 1,000.
Long-Term Financial Stability
14. Build an Emergency Fund Once Debt is Cleared
After clearing debt, start saving at least Rs. 2,000 per month as an emergency fund.
This will help in handling future emergencies without taking loans.
15. Invest Smartly for Future Growth
Once financially stable, invest wisely in well-managed mutual funds for long-term wealth.
Avoid financial products with hidden charges like ULIPs or endowment plans.
16. Get Proper Health Insurance
Medical expenses caused the current debt. Invest in health insurance to prevent this in the future.
Look for affordable policies covering major illnesses.
Finally
The journey out of debt is difficult but achievable with the right approach.
Focus on reducing high-interest loans, earning more, and cutting unnecessary expenses.
Take small steps each month, and within a few years, you will be debt-free and financially stable.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.
TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!
Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.
TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!
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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.
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I am a neet aspirant
Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi
Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.
Good luck.
Follow me if you receive this reply.
Radheshyam
Good luck.
Follow me if you receive this reply.
Radheshyam
Asked on - Dec 06, 2025 | Answered on Dec 07, 2025
Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student
Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.
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