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Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 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
Asked by Anonymous - Jun 22, 2025Hindi
Money

Hi Sir, My age is 35 and I have following SIPs running at present. Total SIP value = 9 lakh Inr and current SIPs are 1. Parag Parikh ELSS tax saver fund - 5K 2. Canara Robeco small cap fund - 7K 3. Mirae asset Large and mid cap fund - 5K 4. Parag Parikh Flexi cap - 3.5K 5. HDFC midcap opportunity fund - 2.5K Total = 23K For emergency I have 1. 4.5 lakh FD 2. ICICI PRUDENTIAL US equity fund - 2K 3. MIS in post office - 3K Currently I don't have any loan running and neither I ma planning to have any in future. Apart from it I have 16 lakh direct stocks investments. Can you guide me here how to proceed further with all investments?

Ans: Your Financial Overview

You are 35 years old.

You have monthly SIPs worth Rs 23,000.

Parag Parikh ELSS – Rs 5,000

Canara Robeco small cap – Rs 7,000

Mirae large & mid cap – Rs 5,000

Parag Parikh flexi cap – Rs 3,500

HDFC midcap opportunity – Rs 2,500

Total SIP corpus ~ Rs 9?lakhs so far.

Emergency funds include:

Fixed Deposit Rs 4.5?lakhs

ICICI US equity fund SIP – Rs 2,000

Post Office MIS – Rs 3,000 monthly

No outstanding loans; you intend to keep it that way.

You hold direct investments in stocks worth Rs 16?lakhs.

You have commendable investment discipline.
Let’s build a holistic plan for your goals.

Emergency Fund Strengthening

Your Rs 4.5?lakh FD is a good start.

Post Office MIS adds liquidity monthly.

Aim for 6 months’ household expense coverage.

Total target liquidity ~ Rs 6–8?lakhs.

Use liquid debt or overnight funds to enhance flexibility.

Avoid keeping emergency funds only in FDs.

Ensure fast withdrawal access for life surprises.

Insurance and Protection

You didn’t mention health insurance.

Family cover of Rs 10–15?lakhs is a minimum.

Add top-up policy for comprehensive protection.

Life insurance is optional if no dependents.

Revisit coverage if responsibilities grow.

Keep risk insurance separate from investment funds.

Mutual Fund SIP Review

You run ELSS, small cap, midcap, flexi cap funds.

Great mix of aggressive and tax-saving offerings.

However, direct funds lack proactive review.

Regular plans through CFP + MFD provide monitoring.

Annual review helps identify underperformers timely.

Direct funds are prone to performance inertia.

They need your time and attention to succeed.

Why Prefer Regular Over Direct Funds

Direct funds require self-monitoring all year.

Many skip yearly reviews and miss rebalance signals.

Regular plans offer fund manager oversight and advice.

Certified Financial Planner provides tailored strategy annually.

Regular funds reduce emotional decisions during market swings.

They keep strategy aligned with your goals consistently.

Why Not Index Funds

Index funds only mirror market performance.

They don’t offer downside protection.

Active funds pick quality stocks and manage risks.

For long-term growth, active strategies often outperform.

As a 35-year-old, you need capital appreciation and protection.

Regular active funds suit best for wealth creation.

Optimising Your SIP Allocation

Total SIP monthly: Rs 23,000
We can refine it:

Retained SIPs (via regular plans):

Parag Parikh ELSS – Rs 5,000

Mirae large & mid cap – Rs 5,000

Parag Parikh flexi cap – Rs 3,500

To shift to regular version:

Canara Robeco small cap – Rs 7,000

HDFC midcap opportunity – Rs 2,500

Shift them to regular plans via CFP + MFD support.

Dedicated US Equity Exposure

Your ICICI US equity SIP of Rs 2,000 builds global diversification.

Keep this in a regular overseas fund instead of direct.

Helps reduce single-market dependency.

Involves currency and global sector exposure.

Review it annually for performance and relevance.

Debt/Safety Allocation

Current MIS provides minimal returns.

After emergency fund is complete, reduce FD usage.

Use the MIS insted or replace it with recurring SIP into debt funds.

Allocate Rs 3,000 – 5,000 monthly to debt fund SIPs.

Debt SIPs help maintain stability within portfolio.

Direct Stock Holdings

You hold Rs 16 lakhs in direct stocks.

Stocks are riskier than diversified funds.

Without active monitoring, they can underperform.

Limit direct equity to max 10–15% of portfolio.

Move excess stock holding gradually into equity mutual funds.

Use CFP guidance to sell and rotate into funds via regular plan.

Asset Allocation Approach

Suggested strategic mix:

Equity (large/flexi): 50%

Mid/small cap: 20%

Global equity: 5%

ELSS (for tax saving): 10%

Hybrid funds (child future): 10%

Debt fund/liquid: 5%

Rebalance annually with CFP to align using new investments.

Resuming Paused SIPs

Resurrecting correctly evaluated paused funds can add performance depth.

Use regular version of paused funds for oversight.

Invest lump sums only after evaluation post-market reviews.

Avoid emotional restarts. CFP helps in timing and selection.

Building Corpus for Future Goals

Without home loan, you can focus on investments.

Build separate SIP for home/property purchase if needed later.

Otherwise monthly excess can be redirected to mutual funds.

Decide target horizon and amount before property.

Use equity/hybrid SIPs for goal-based saving.

Child's Future Planning

If planning child education, start new SIP for goal.

Allocate Rs 3,000 – 5,000 monthly in hybrid kids’ fund.

Increase this SIP every 2 years.

Eventually shift to conservative fund when nearing goal.

Tax Planning Tips

ELSS gives tax saving under the old regime; now minimal use.

Equity LTCG above Rs 1.25 lakh taxed at 12.5%.

Short-term equity gains taxed at 20%.

Debt gains taxed as per income slab.

Plan redemption timing carefully in long term.

Annual Review Steps

Meet your Certified Financial Planner yearly.

Rebalance portfolio using cash flows.

Exit funds underperforming for 3 years.

Track asset allocation vs target.

Extend emergency fund as expenses inflate.

Consider additional insurance as responsibilities grow.

Liquidity Cushion Maintenance

Continue saving monthly till FD plus MIS equals 6 months’ expenses.

Disable SIP after achieving emergency target to free capital.

Future surplus invests in mutual funds.

Avoid Annuities and Focus on Growth

Annuity products lock your money for low returns.

For retirement, SWP from mutual funds is better.

Maintain equity and hybrid for post-retirement sustainment.

Behavioral Guidance

Automate all SIPs to reduce manual errors.

Avoid reacting to daily market news.

Set mental stop-loss for direct stocks only.

Use CFP for steady performance reviews.

Reinvest dividends or gains into SIPs.

Key Action Plan Summary

Boost emergency fund to Rs 6–8 lakhs.

Shift all SIPs to regular plan with CFP guidance.

Resume paused SIPs after proper evaluation.

Add debt SIP of Rs 5,000 monthly post emergency fund completion.

Limit direct stocks by reallocating Rs 5–10 lakhs gradually.

Build separate funds for property goal and child future.

Avoid investing in index, direct-only, or annuities.

Tax plan with understanding on LTCG/STCG rules.

Rebalance annually with CFP review.

Finally

Your investing discipline is strong and thoughtful.

Regular mutual funds and SIPs will compound steadily.

Avoid direct stock overexposure.

Use CFP + MFD support for review and rebalancing.

Streamlining investments towards regular plans adds comfort.

Emergency fund must be priority before adding risks.

Future goals like property or children are achievable.

Keep strategy flexible as life evolves.

Stay steady, track well, and grow happily.

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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Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

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Ans: investing Rs. 41,000 monthly is a great sign of discipline! It seems you're investing in several mutual funds, but let's see how we can optimize your portfolio.

Current Portfolio Analysis:

Number of Funds: Having 11 funds might be too many to manage effectively. It can be difficult to track performance and make adjustments.

Overlap: There might be overlap between some funds in terms of the stocks they invest in. This reduces diversification benefits.

Investment Strategy: Your portfolio has a mix of fund categories (Large & Mid Cap, Balanced Advantage, Sectoral, etc.). It's good, but we can improve it for your goals.

Here's why I can't give specific advice on your funds:

Performance: Past performance isn't a guarantee of future results. What did well yesterday might not do well tomorrow.

Your Goals: I don't know your investment goals (retirement, child's education, etc.) These influence the best investment choices.

Here are some suggestions to improve your portfolio:

Reduce the number of funds: Aim for 4-5 well-diversified funds across different market capitalizations (Large, Mid, and Small Cap).

Consider Asset Allocation: Decide on a strategic asset allocation based on your risk tolerance and goals. This helps you pick the right mix of asset classes (equity, debt).

Actively Managed Funds: Actively managed funds, where experienced professionals make investment decisions, can potentially outperform the market. Consider consulting a Certified Financial Planner (CFP) to help you choose these funds.

Benefits of a Regular Plan with a CFP:

Guidance: A CFP can analyze your financial situation and recommend a suitable investment strategy.

Portfolio Monitoring: They can help you track your investments and make adjustments as needed.

Goal Planning: They can help you set realistic financial goals and choose investments to achieve them.

Regular plans with a CFP might have slightly higher fees than direct plans, but the guidance can be valuable, especially for new investors.

Here are some additional thoughts:

Review Regularly: Meet with your CFP periodically to review your portfolio and adjust it as your life and goals evolve.

Stay Invested: Don't panic and redeem your investments during market downturns. A long-term view is important for building wealth.

By streamlining your portfolio, seeking professional help, and staying invested, you can increase your chances of achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2024

Money
Sir, I have three on-going SIPs of Rs.3,000 each in Motilal Oswal Midcap Fund, Quant Large Cap Fund and ICICI Prudential Flexi Cap Fund. All in Direct Growth Plan. Shall request your guidance and suggestion about my investment plan. Regards, Cgopal
Ans: Your ongoing SIPs in Midcap, Large-Cap, and Flexi-Cap categories reflect a good balance across different market segments. Diversifying your investments across various categories is an excellent strategy to reduce risk and optimise returns.

Mid-cap funds focus on medium-sized companies with growth potential, large-cap funds target established companies for stability, and flexi-cap funds provide a mix across market segments for flexibility. Let's assess your current portfolio, its structure, and what could be fine-tuned for better alignment with your goals.

Strengths of Your Investment Portfolio
Your portfolio has several strengths worth noting, showing that you are on the right track.

Diversification Across Market Caps: By investing in mid-cap, large-cap, and flexi-cap funds, you’re well diversified. This gives you exposure to different types of companies—stable large companies, high-growth mid-sized companies, and a flexible mix through your flexi-cap fund.

Growth Potential: Your mid-cap and flexi-cap funds have the potential for significant growth over the long term. These funds are well-suited for long-term wealth creation if you're willing to accept some market volatility.

Direct Growth Plans: You have chosen direct plans, which lower your expense ratio. While this saves on fees, it comes at the cost of missing out on the professional advice that a Certified Financial Planner (CFP) can offer. Regular reviews by a professional could help optimise your portfolio and ensure that it remains aligned with your goals.

Areas That May Need Adjustment
While your portfolio has a strong foundation, there are some areas that may need attention to ensure that your investments are optimised for your financial goals and risk tolerance.

1. Portfolio Review for Overlap
Investing in multiple funds across categories is a great strategy, but it’s important to ensure that there’s no overlap in the stocks that your funds hold. Overlap occurs when different funds invest in the same companies, reducing diversification.

Why Avoid Overlap? Overlap reduces the benefit of diversification. For example, if both your large-cap and flexi-cap funds invest heavily in the same top large companies, your portfolio may become more skewed toward large-caps than intended.

Action Step: Review the portfolio holdings of each fund to ensure that they are truly diversified. If there's significant overlap, you may want to consider adjusting your fund selection.

2. Risk Management
Your current SIP structure leans towards growth-oriented funds. While this offers higher potential returns, it also exposes you to more volatility. This is especially true for mid-cap funds, which can fluctuate significantly in the short to medium term.

Balanced Exposure: Consider adding a more conservative fund, such as a hybrid or balanced fund, to reduce volatility. These funds invest in both equity and debt, providing some stability while still offering growth potential.

Action Step: Allocate a small portion of your portfolio to hybrid or balanced funds. This will add an element of stability and provide a buffer during market downturns.

3. Review of Direct vs Regular Plans
You have chosen direct growth plans, which offer lower expense ratios compared to regular plans. While the cost savings are attractive, direct funds require more self-management and regular monitoring. Without professional advice, there is a risk that the portfolio may not remain aligned with your changing financial needs and market conditions.

Disadvantages of Direct Plans: In direct plans, you must actively manage your portfolio, track market trends, and rebalance your investments when needed. This can be challenging for investors who lack the time or expertise to do so regularly. Moreover, you miss out on the valuable input from a Certified Financial Planner (CFP), who could help ensure that your investments are aligned with your long-term goals.

Benefits of Regular Plans: By investing through a regular plan via a Certified Financial Planner (CFP), you receive personalised advice, portfolio rebalancing, and market insights. These services can help enhance your portfolio’s performance, even if regular plans come with slightly higher fees.

Action Step: If you're not able to devote enough time to manage your direct plans actively, consider switching to regular plans through a trusted CFP. The cost of professional advice can be well worth it, especially if it leads to better portfolio performance over time.

Suggestions for Portfolio Enhancement
1. Consider Debt or Hybrid Funds for Stability
Given that your current investments are heavily focused on equities, adding some exposure to debt or hybrid funds could help provide stability, especially during market downturns. Debt funds invest in bonds and other fixed-income securities, offering steady returns with lower risk. Hybrid funds, which combine both equity and debt, offer a balanced approach.

Why Add Debt/Hybrid Exposure? Equity markets can be volatile, especially in the short to medium term. By adding some debt exposure, you can reduce the risk of your portfolio while still achieving steady growth.

Suggested Allocation: Consider allocating 20% to 30% of your portfolio to debt or hybrid funds. This will ensure that your portfolio is not overly exposed to equity market risk.

2. Step-Up SIP for Higher Growth
Increasing your SIP contributions over time can significantly boost your wealth creation. A Step-Up SIP allows you to increase your investment amount by a fixed percentage each year. This is particularly useful if your income is expected to grow over time, as it allows you to invest more without putting strain on your finances.

Why Step-Up SIP? The more you invest early, the more time your money has to grow. A Step-Up SIP ensures that you are consistently increasing your contributions, leading to higher returns over time.

Action Step: Consider stepping up your SIP amount by 10% every year. This small adjustment can make a big difference over the long term, especially when combined with the power of compounding.

3. Focus on Long-Term Wealth Creation
While your portfolio is currently well-suited for long-term growth, it’s essential to remain committed to your investment strategy. Equity markets are known to be volatile in the short term, but they tend to deliver solid returns over the long term. Staying invested through market ups and downs will allow you to benefit from rupee cost averaging, where you buy more units when prices are low and fewer when prices are high.

Why Stay Invested? Exiting the market during downturns can lead to missed opportunities for growth. By staying invested, you allow your portfolio to recover and grow over time, taking advantage of market cycles.

Action Step: Maintain a long-term perspective and avoid making impulsive decisions based on short-term market fluctuations. Regular reviews with your CFP will help you stay on track.

Insurance and Emergency Fund
Before focusing entirely on your investments, ensure you have an adequate emergency fund and proper insurance coverage. An emergency fund should cover at least six months of living expenses, providing a financial cushion in case of unexpected events. Additionally, a term insurance plan is crucial to protect your family’s financial future.

Why an Emergency Fund? Without an emergency fund, you may be forced to redeem your investments during a market downturn. This can harm your long-term financial goals.

Why Term Insurance? It provides a large life cover at a low cost. This ensures that your family is financially protected if something happens to you.

Final Insights
Your current SIP structure demonstrates thoughtful planning, with exposure to different market segments. However, it’s important to ensure that your portfolio is well-balanced and diversified, avoiding overlap in fund holdings. Adding some exposure to debt or hybrid funds can provide stability and reduce risk.

While direct plans offer cost savings, they require active management. By investing through regular funds with a Certified Financial Planner (CFP), you can benefit from expert advice and proactive portfolio management. This will help you stay aligned with your financial goals and adapt to changing market conditions.

Additionally, consider stepping up your SIP contributions to maximise your wealth creation potential. Finally, make sure you have an adequate emergency fund and term insurance in place to protect your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 16, 2025

Money
Hi sir I'm 30 years old and started my sip 10 months ago 1.5 lakhs invested till the date . Want to invest for 15 years Below are details Quant small cap 2.5 k per month Nippon India small cap 5k Motilal Oswal mid cap 5k Parag Parikh flexi cap 3k ICICI prudential nifty 50 index fund etf Rs 200/- 1. Currently investing Rs15700/- want to invest 20k suggest which Current MF to invest more amount or any changes need to be done. 2. Should I invest 5 lakhs in lump sum or in sip which is better
Ans: You have made a great start at the age of 30. Investing early builds strong financial foundation. You are investing Rs. 15,700 per month, which is a healthy amount. You are also planning to increase it to Rs. 20,000 monthly. That’s a smart move. You also have Rs. 5 lakhs for lump sum investing. Now let’s evaluate your mutual fund choices, portfolio structure, and ideal action plan.

Age, Time Horizon and Investment Profile
Age: 30 years

Investment horizon: 15 years

Monthly SIP: Rs. 15,700 currently

Planning to increase to: Rs. 20,000

Lump sum available: Rs. 5 lakhs

Your strengths:

Long time horizon gives high compounding benefit

SIP is already running in good amount

You are open to increasing your investment

You are thinking long term. That’s the right mindset

Let’s analyse your mutual funds in a structured way.

Analysing Your Existing SIP Portfolio
1. Small Cap Exposure
Two small cap funds: Rs. 7,500 per month

These are high-risk, high-return funds

You are investing 48% of SIP into small cap category

That is a high concentration for a young portfolio

Small caps can be very volatile

Better to reduce exposure a little

2. Mid Cap Exposure
One mid cap fund: Rs. 5,000 per month

Mid cap funds are ideal for long-term investors

They balance growth and stability

32% allocation to mid caps is fine

3. Flexi Cap Exposure
One flexi cap fund: Rs. 3,000 per month

Flexi cap funds give fund manager freedom to move between cap sizes

These are good for diversification and dynamic allocation

You can increase allocation here

4. Index Fund (ETF)
Monthly investment: Rs. 200 only

You mentioned it as Nifty 50 ETF

This is an index fund

Index funds have no flexibility

They can’t protect in falling markets

They follow the index blindly

Active funds have proven to beat index consistently over time

Avoid index funds in wealth creation journey

You may exit this and reallocate to active funds

Suggested Portfolio Changes
You aim to invest Rs. 20,000 per month going forward. Let’s realign your portfolio with a strong mix.

Suggested fund category allocation:

Small Cap Funds: 25% of SIP

Mid Cap Funds: 30% of SIP

Flexi Cap Funds: 25% of SIP

Large & Mid Cap Funds: 20% of SIP

New monthly SIP allocation suggestion (Rs. 20,000 total):

Small Cap: Rs. 5,000

Mid Cap: Rs. 6,000

Flexi Cap: Rs. 5,000

Large & Mid Cap: Rs. 4,000

Key actions to take:

Reduce SIP in one small cap fund by Rs. 2,500

Continue with one small cap only. Pick the more consistent one

Increase allocation in Flexi Cap fund

Introduce one Large & Mid Cap fund to diversify

Exit the index ETF fund completely

It adds little value and lacks protection in correction

Should You Invest Rs. 5 Lakhs as Lump Sum or SIP?
This is a very important question. Your decision must consider market timing risk.

Risks in lump sum investing:

If market falls just after lump sum, portfolio value drops

Emotionally it becomes hard to continue

Market may not recover quickly

You may exit at wrong time if not mentally prepared

SIP offers smoother entry:

Rupee cost averaging works well in SIP

Emotional comfort is higher

Volatility is absorbed better

You avoid regret of wrong timing

Best way to invest Rs. 5 lakhs:

Do not invest all in one go

Spread it over next 6 to 9 months

Do STP (Systematic Transfer Plan) from liquid fund to equity funds

This gives safety and gradual market exposure

Choose funds where you are continuing SIP for long term

Avoid lump sum in small cap or sector funds

Suggested STP action:

Put Rs. 5 lakhs in a low-risk liquid fund

Transfer Rs. 55,000 to Rs. 80,000 per month into chosen equity funds

Use the same four fund categories for STP

Asset Allocation View for 360-Degree Planning
You are young. You can afford high equity exposure. But that doesn't mean 100% small caps.

Suggested equity exposure:

Total equity exposure: 90%

Liquid/emergency: 10%

You can take this exposure for next 10 years

Ideal allocation among equity styles:

Large cap and large & mid cap: 30%

Mid cap: 30%

Small cap: 20–25%

Flexi cap and multi cap: 15–20%

This structure gives better balance. It protects from high volatility and improves long-term returns.

Regular Funds vs Direct Funds
You didn’t mention if you are using direct plans. If yes, then please note these:

Disadvantages of Direct Funds:

You get no guidance during market volatility

You may stop SIP at wrong time

No proper rebalancing or strategy check

Emotionally hard to manage alone

Many direct investors make mistakes in fund choice and exit timing

Benefits of Regular Funds through Certified Financial Planner:

Ongoing tracking and review of your portfolio

Behavioural coaching during market fall

Proper rebalancing and performance audit

Long-term handholding for goal-based planning

Worth more than the small trail cost involved

For long-term wealth creation, professional support is very useful.

Additional Suggestions for Long-Term Success
Emergency Fund Planning:

Keep 6 months expenses in a liquid fund

Never invest this portion in equity

Insurance:

Take pure term insurance if not yet done

Health insurance for self and family is also must

Periodic Review:

Review your SIP funds every 12 months

Do not change funds based on short-term return

Stick to the goal and asset allocation

Avoid These Mistakes:

Do not invest in traditional LIC plans, endowment or ULIP

Avoid high exposure to sector or thematic funds

Don’t go for trending new funds or NFOs

Avoid real estate for now. Liquidity is poor and returns are slow

Do not invest in index funds unless portfolio is very large

Taxation Point to Note:

Equity mutual funds: LTCG above Rs. 1.25 lakhs taxed at 12.5%

STCG taxed at 20%

Debt fund returns taxed as per your income slab

Plan redemptions carefully to reduce tax impact

Finally
You have a great start at 30.

Keep investing consistently for 15 years

Reduce small cap exposure a little

Remove index fund ETF from your SIP

Use STP for Rs. 5 lakhs investment

Add one large & mid cap fund to portfolio

Review regularly with a Certified Financial Planner

You are on the right path. With a few changes and disciplined investing, you will build long-term wealth.

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

..Read more

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Nayagam P

Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

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Sir can you please rank IIIT Allahabad ECE , Gwalior EEE, Lucknow CSE+specialization, Jabalpur CSE and Kanchipuram CSE
Ans: Nishita, Evaluating the five IIIT programs reveals distinct strengths across faculty quality, research infrastructure, placement consistency, academic standards, and industry recognition. IIIT Lucknow in Uttar Pradesh offers B.Tech CSE with specializations including AI, business, and cybersecurity, achieving a remarkable 96.17% placement rate in 2025 with the highest package at Rs.145 LPA and the average at Rs.33.71 LPA, supported by 45+ PhD faculty and specialized research labs. IIIT Allahabad in Uttar Pradesh provides B.Tech ECE with strong electronics curriculum, NIRF rank #87 in Engineering 2024, 93% placement rate with highest Rs.121 LPA and average Rs.25.78 LPA, backed by globally-recognised faculty and research publications. IIITDM Jabalpur in Madhya Pradesh delivers CSE with design-manufacturing focus, over 60 PhD faculty, 71.8% placement rate with highest Rs.122 LPA international (?110 LPA domestic) and average Rs.19.27 LPA UG, featuring robust industry collaborations and 13 CSE department faculty. IIIT Gwalior (IIITM) in Madhya Pradesh offers EEE with 100% PhD faculty strength and 80–90% placement rates, with the highest at Rs. 65 LPA and an average of Rs. 20.56 LPA, supported by research-intensive programs and a diverse recruiter base. IIITDM Kancheepuram near Chennai provides CSE with design specialization, over 80 PhD faculty from IITs, 73% placement rate with highest Rs.32 LPA and average Rs.9.37 LPA, though experiencing declining trends from 97% in 2022.

Recommendation: Prioritize IIIT Lucknow CSE for its exceptional 96% placement rate, highest average packages, comprehensive specialization options, and strong industry linkages; follow with IIIT Allahabad ECE for its prestigious NIRF ranking, established reputation, and solid core electronics foundation; consider IIITDM Jabalpur CSE for its unique design-manufacturing focus and international placement opportunities; opt for IIIT Gwalior EEE for its 100% PhD faculty strength and research excellence; and rank IIITDM Kancheepuram CSE last due to declining placement trends despite strong academic credentials and faculty qualifications. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

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Sir,does AI(Data Science) has opportunity in future like 2030 and what will be minimum salary after studying in amrita
Ans: Garena, Before answering your question, Please note that Return on Investment (ROI), regardless of the branch or college, is not determined solely by your choice of institution or program. Several other factors significantly influence it—such as consistent academic performance over the next four years, regular skill enhancement, soft skills development, awareness of job market trends, a well-built personal profile, and maintaining a professional LinkedIn presence with clear job search strategies. ANSWER to your question: By 2030, artificial intelligence and data science roles are expected to flourish as automation creates 11 million net new jobs globally and transforms 86 percent of businesses, underscoring strong long-term demand. Data scientist employment in the U.S. alone is projected to grow 36 percent from 2023 to 2033, far outpacing average occupations and signaling robust global opportunity. At Amrita Vishwa Vidyapeetham, Coimbatore, the CSE-Data Science branch recorded a 92 percent placement rate in 2024, with the lowest on-campus offer around ?2 LPA and a median salary of ?7.6 LPA across all streams.

Recommendation: Embrace a Data Science pathway at Amrita Coimbatore for its consistent placement performance, industry-aligned curriculum, and accessible entry-level salaries, ensuring a strong foundation in a rapidly expanding field through 2030 and beyond. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir my sister has option to take admission in Greater noida institute of technology cse with data science branch or she could get iet sitapur ece or she could get admission in gl bajaj mathura cse or niet cs with cyber security what should she aim for according to future needs and job opportunities
Ans: Dhueh, Greater Noida Institute of Technology in Knowledge Park II, Greater Noida offers B.Tech CSE with Data Science specialization in a NAAC A+-accredited private campus featuring Oracle and Dell tie-ups, modern AI/ML labs and a dedicated women’s cell; over 300 recruiters visited in 2024, yielding a 6.5 LPA average and 70 LPA highest package. Institute of Engineering & Technology, Sitapur (Lucknow, UP) is a NAAC A++-graded campus under AKTU with ECE labs in signal processing and embedded systems, conducting soft-skill workshops and mock interviews; 72 of 80 students were placed in 2024 with a 4.1 LPA average and 7 LPA top package. GL Bajaj Group of Institutions, Mathura (UP) grants CSE with AI/ML, holds NBA accreditation, industry-linked projects and recorded 94% CSE placements in 2025 with a 6.75 LPA average and 34 LPA high offer. NIET Greater Noida (Knowledge Park II) provides B.Tech CSE Cyber Security on a 13.9-acre NAAC-A campus with Oracle and Salesforce MoUs; 85% of students placed in 2024, averaging 6 LPA with a 35 LPA peak.

Recommendation: Prioritize GNIOT Greater Noida CSE (Data Science) for its superior average packages, expansive recruiter network, and women’s support initiatives; next, choose NIET Greater Noida CS for strong placement consistency and specialized cybersecurity curriculum; opt for GL Bajaj Mathura CSE for robust AI/ML training; consider IET Sitapur ECE for solid core-electronics exposure and focused mentorship. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 09, 2025

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Career Counsellor - Answered on Jul 09, 2025

Career
Sir,My son got B tech mechanical in iit tirupati and also btech cse in shiv nadar university chennai.Which one will be the best for his future?
Ans: Namachivayan Sir, IIT Tirupati in Renigunta (Andhra Pradesh) offers B.Tech in Mechanical Engineering with a curriculum blending thermofluids, manufacturing, design and robotics in DST-funded laboratories, guided by predominantly Ph.D.-qualified faculty and supported by project-based learning and research collaborations. Over the 2023–24 placement drive, 41.9% of Mechanical students secured roles with an average package of ?10.95 LPA, while core recruiters such as Microsoft, Amazon and Samsung participate on campus.

Shiv Nadar University Chennai on Old Mahabalipuram Road (Tamil Nadu) delivers B.Tech in Computer Science & Engineering with specializations in AI/ML, cybersecurity and IoT, taught by industry-immersed faculty in GPU-enabled HPC clusters and smart classrooms. Its Career Development Center facilitates mock interviews, hackathons and 250+ recruiter engagements, achieving an 85%+ placement rate and a four-year CSE average package of ?12.85 LPA through top firms like Goldman Sachs, Microsoft and Amazon.

Recommendation: Opt for Shiv Nadar University Chennai CSE if you prioritise higher placement consistency, strong industry partnerships and cutting-edge computing specializations, (OR) choose IIT Tirupati Mechanical Engineering for a government institute pedigree, robust core-engineering foundation and growing research infrastructure. My Suggestion: Prefer IIT-T-Mechanical over SNU. All the BEST for Admission & a Prosperous Future!

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