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Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 09, 2024

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
Siddharth Question by Siddharth on Oct 09, 2024Hindi
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Sir, Based on your suggestions I have decided to start SIP in the below MFs: Large Cap 1. ICICI Prudential Bluechip Fund- 500 Rs. per month 2. SBI Bluechip Fund- 500 Rs. per month 3. Nippon India Large Cap Fund- 500 Rs. per month 4. HDFC Top 100 Fund- 500 Rs. per month Total Amount : 2000 Rs. per month Balanced Fund 1. ICICI Prudential Equity & Debt Fund- 500 Rs. per month 2. UTI Aggressive Hybrid Fund- 500 Rs. per month Total Amount: 1000 Rs. per month Multi Cap 1. Nippon India Multi Cap- 500 Rs. per month 2. Quant Active Fund- 500 Rs. per month Total Amount- 1000 Rs. per month Your observations on the above please? Should I start my SIP with the above proposed portfolio??

Ans: Your proposed portfolio covers large-cap, balanced, and multi-cap categories, which is a good starting point for diversification. However, each mutual fund category and fund selection needs to align with your long-term goals, risk tolerance, and the current financial landscape.

Before proceeding with this portfolio, consider these key points:

Fund Overlap: Investing in multiple large-cap funds could result in overlapping of the same stocks, as large-cap funds generally invest in similar companies. This could limit diversification.

Balanced Funds: Your balanced funds, which mix equity and debt, are suitable for some stability. However, it’s essential to check if they match your risk-return profile and goals for stability versus growth.

Multi-Cap: Multi-cap funds offer diversified exposure across market caps, which is good for long-term growth. However, ensure that you are comfortable with the inherent volatility they can bring.

To ensure the best fit for your goals and preferences, it's advisable to consult with a Certified Financial Planner (CFP) or a Mutual Fund Distributor (MFD). They can provide a tailored and comprehensive plan, considering factors like:

Your overall financial goals.
Investment horizon.
Risk appetite.
Fund performance consistency.
This personalized advice can help you structure a portfolio that balances growth and safety effectively.

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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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on Apr 05, 2024

Asked by Anonymous - Apr 05, 2024Hindi
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Good day, Sir. I am 32 and planning to start SIP for 30k maximum because that is my risk apetite. I don't have any MFs with me currently. As per my research I have zeroed in on some MFs. Please suggest if these are okay or shall I go for some other funds. a. Rs 10k in Parag Parikh Flexi-cap fund (Growth)/ Samco Flexi Cap Fund b. Rs 10k in ICICI Prudential Bluechip Fund (Growth) and c. Rs 10k in SBI Smallcap Fund (Growth). Could you please share your opinion?
Ans: The funds you shortlisted seem like a good starting point for a diversified equity mutual fund portfolio with a moderate risk appetite. Here's a breakdown of why:

• Parag Parikh Flexi-cap fund (Growth) / Samco Flexi Cap Fund: These are Flexi-cap funds that invest across large, mid, and small-cap companies. This allows for diversification and the potential for growth across market capitalisations. However, a key difference is Parag Parikh Flexi-Cap Fund has a proven track record with a longer history and superior returns compared to Samco Flexi Cap Fund which is a new fund.
• ICICI Prudential Bluechip Fund (Growth): This is a large-cap fund that focuses on established companies. Large-cap funds typically offer lower volatility compared to flexi-cap funds.
• SBI Small Cap Fund (Growth): This is a small-cap fund that invests in smaller companies with high growth potential. Small-cap funds generally offer higher potential returns but also come with higher risk.

Here are some things to consider:

• Risk profile: Your chosen allocation (Flexi-cap + Bluechip + Small-cap) leans moderately aggressive. Consider if this aligns with your 30k SIP risk tolerance. You can adjust the weightage between Flexi-cap and Bluechip depending on your risk appetite.
• New fund vs Established fund: Parag Parikh Flexi-cap has a strong track record while Samco Flexi Cap Fund is new. This might be a factor to consider since past performance is an indicator of potential future performance.

Overall, your selection is a good starting point. Here are some suggestions:

• Stick with Parag Parikh Flexi-cap if you choose the Flexi-cap option.
• Consider if the weightage between Flexi-cap, Bluechip, and Small-cap fits your risk profile. You can tweak it to be more conservative by increasing the Bluechip allocation or more aggressive by increasing Flexi-cap or Small-cap allocation.

Disclaimer: I am not a financial advisor and this is not financial advice. Please consult a registered advisor for personalised recommendations based on your complete financial picture.

..Read more

Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 16, 2024

Asked by Anonymous - Jun 16, 2024Hindi
Money
Hi sir. I am 38 years old have started SIP from 2024 jan. Following are the fund i am doing SIP. 1. Kotak ELSS 2. Quant ELSS 3.parag parikh flexi cap- regular 4.Nippon infrastructure growth-regular 5. SBI contra- regular 6.franklin india focussed equity fund-regular 7.Bajaj finserv multiasset alocation-regular 8.ICICI prudential silver ETF fund 9.ICICI prudential bharat 22 fof 10. HDFC small cap fund- regular My total monthly SIP amount 23000 INR. Kindy let me know if i have good portfolio diversification. Do i need to stop SIP in any kf above fund and start some other good fund. My motto is to get maximum return for next 10-15 years.
Ans: Assessing Your Investment Portfolio
Your investment portfolio is diversified, and that is commendable. However, let’s delve into the specifics of your funds to see if there’s room for optimization. Portfolio diversification is essential, but too many funds can lead to over-diversification, which might dilute returns.

Equity Linked Savings Schemes (ELSS)
You have two ELSS funds. ELSS is excellent for tax-saving under Section 80C. They also offer the potential for high returns due to their equity exposure. However, investing in multiple ELSS funds can be redundant. Consider consolidating your ELSS investments into one well-performing fund to streamline your portfolio.

Flexi Cap Funds
Flexi cap funds are versatile as they invest across market capitalizations based on the fund manager's outlook. Your flexi cap fund choice is prudent as it offers flexibility and diversification within itself. This type of fund can balance risk and reward effectively, adapting to market conditions.

Sectoral and Thematic Funds
You are investing in an infrastructure growth fund. Sectoral funds can provide high returns but come with higher risk due to their concentrated exposure. Infrastructure is a promising sector but is also susceptible to economic cycles and regulatory changes. It’s wise to limit exposure to such sector-specific funds to avoid significant volatility in your portfolio.

Contra Funds
Contra funds invest in undervalued stocks and follow a contrarian approach. These funds can provide significant returns during market corrections when undervalued stocks rebound. However, they require patience and a long-term horizon, which aligns well with your 10-15 year investment goal.

Focused Equity Funds
Focused equity funds concentrate on a limited number of stocks. This strategy can yield higher returns if the selected stocks perform well but also increases risk due to lower diversification. Ensure that the focused equity fund aligns with your risk tolerance and long-term goals.

Multi-Asset Allocation Funds
Multi-asset allocation funds invest across asset classes like equity, debt, and gold, providing diversification and risk management. This fund type is suitable for balanced growth and risk mitigation. Including such a fund in your portfolio adds stability and reduces dependency on market performance.

Precious Metals Fund
Your investment in a silver ETF fund adds an element of commodity diversification. Precious metals like silver can hedge against inflation and currency fluctuations. However, precious metal funds can be volatile and might not perform consistently over time. Limit exposure to such funds to avoid excessive risk.

Fund of Funds (FoF)
The Bharat 22 FoF invests in a basket of stocks from the Bharat 22 index, providing diversification within a single fund. FoFs can offer easy access to diversified portfolios but come with higher expense ratios due to the layered fee structure. Ensure the FoF aligns with your overall investment strategy and cost considerations.

Small Cap Funds
Small cap funds invest in smaller companies with high growth potential. These funds can offer substantial returns but also come with higher risk due to market volatility. Given your long-term horizon, small cap funds can be a valuable addition for capital growth, but monitor their performance and risk exposure closely.

Regular vs. Direct Funds
You have chosen regular plans through a mutual fund distributor (MFD) with a Certified Financial Planner (CFP) credential. Regular funds have slightly higher expense ratios due to distributor commissions. However, the guidance and advice from a certified professional can be invaluable in navigating market complexities and making informed decisions. Direct funds, while cheaper, require a deep understanding of market dynamics and continuous monitoring, which might not be feasible for all investors.

Disadvantages of Index Funds
Index funds, which you haven't opted for, have the disadvantage of passively following a market index. They cannot outperform the market as they merely replicate index performance. In contrast, actively managed funds, like the ones in your portfolio, have the potential to outperform through strategic stock selection and market timing by experienced fund managers. Active management can add significant value, especially in volatile or bearish markets.

Portfolio Optimization Suggestions
Consolidate ELSS Investments: Streamline your ELSS investments into one well-performing fund to avoid redundancy and simplify tracking.

Review Sectoral Fund Exposure: Limit exposure to sectoral funds like the infrastructure growth fund to manage risk better. Sectoral funds should not form a large portion of your portfolio.

Focus on Core Holdings: Maintain a balanced mix of flexi cap, contra, and focused equity funds as core holdings for stable and diversified growth.

Limit Precious Metals and Sectoral Exposure: Keep your investments in precious metals and sectoral funds minimal to avoid excessive risk from market volatility.

Evaluate Expense Ratios: Regularly review the expense ratios of your funds, especially the FoFs, to ensure they are cost-effective relative to their performance.

Understanding Market Cycles and Patience
Investing for 10-15 years requires understanding market cycles and having patience. Markets will have ups and downs, and staying invested during downturns is crucial for long-term growth. Avoid the temptation to make frequent changes based on short-term market movements. Instead, focus on your long-term goals and stay committed to your investment strategy.

Regular Review and Rebalancing
Regularly reviewing your portfolio and rebalancing it as needed is vital. As market conditions change, the allocation of your investments may drift from your original plan. Rebalancing ensures that your portfolio remains aligned with your risk tolerance and investment objectives. It also helps lock in gains and manage risks effectively.

Importance of Diversification
Diversification reduces risk by spreading investments across various asset classes and sectors. While you have diversified your investments, ensure that no single fund or sector dominates your portfolio. Proper diversification can enhance returns while mitigating risks, helping you achieve a balanced and resilient portfolio.

Role of a Certified Financial Planner
Working with a Certified Financial Planner (CFP) provides access to professional advice tailored to your financial goals. A CFP can help you make informed decisions, optimize your portfolio, and navigate complex market conditions. Their expertise ensures that your investments are aligned with your risk tolerance and long-term objectives.

Final Insights
Your current portfolio demonstrates a commendable approach towards diversification and long-term growth. However, streamlining your investments and focusing on core holdings can enhance returns and manage risks more effectively. Regular reviews and rebalancing, along with professional guidance from a Certified Financial Planner, will ensure that your investment journey remains on track towards achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

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

Money
Sir, I have started a SIP of 1000 Rs. per month in the below Mutual Funds since August 2024. I have planned to invest in it for a period of 10-20 years. Am I going the right way and whether my mutual fund selection for SIP is good or not? I need your guidance and instructions on it please. 1) UTI Nifty 50 Index Fund (Large Cap) 2) Kotak Emerging Equity Scheme (Mid Cap) 3) Nippon India Small Cap Fund 4) SBI small Cap Fund Request for your reply sir Thanks
Ans: Your decision to start SIPs is a positive step towards building wealth in a disciplined manner. Systematic Investment Plans are the best way to invest for long-term goals because they minimize market timing risks and benefit from the power of compounding. Now, let's assess the mutual funds you've chosen.

1. Selection of Mutual Funds
You’ve invested in a good mix of large-cap, mid-cap, and small-cap funds. This diversification will help balance risks and returns, as different market segments perform differently over time. However, let’s analyse each category for a better understanding.

2. Large Cap Fund: Focus on Stability
Large Cap Funds: You have selected a large-cap index fund, which provides exposure to stable and financially strong companies. While large-cap funds are less volatile, index funds are passively managed. It means they mimic the benchmark index, which offers average returns in line with the market.

Limitations of Index Funds: Although index funds offer low expense ratios, actively managed large-cap funds can provide better returns. An experienced fund manager can outperform the index by selecting high-potential stocks. You might miss out on such opportunities with an index fund.

3. Mid Cap Fund: Balanced Growth Potential
Mid-Cap Fund: Your choice of a mid-cap fund is a good addition for growth. Mid-cap funds invest in companies with strong growth potential, though they can be volatile in the short term. Over the long term, mid-cap funds often outperform large caps but may carry higher risks.

Recommendation: Keep investing in this category for 10-20 years, as mid-caps will provide significant growth over time if held patiently.

4. Small Cap Funds: Higher Returns with Higher Risks
Small-Cap Funds: You’ve invested in two small-cap funds, which could provide the highest returns but also come with higher volatility. Small-cap funds invest in companies that are still in their growth phase, and therefore their performance can fluctuate significantly.

Diversification Risk: Having two small-cap funds might expose your portfolio to excessive risk. Instead of having multiple funds in the same category, you can consider reducing small-cap exposure and adding a balanced or multi-cap fund for better risk management.

5. Your Portfolio Diversification
Diversified Portfolio: Your portfolio has a good mix of large, mid, and small-cap funds. However, it leans more towards small-cap funds, which could increase risk over time. If you're investing for a period of 10-20 years, having a combination of large-cap (for stability), mid-cap (for growth), and a small allocation to small-cap funds will work well.

Suggestions for Optimizing Your SIP Investments
Increase Large-Cap Allocation: While your large-cap investment is in an index fund, you might want to switch to an actively managed large-cap fund. This could provide better risk-adjusted returns in the long term.

Balanced Approach: Instead of having two small-cap funds, consider reducing your exposure to small-caps. You can add a balanced or hybrid fund to bring more stability. A diversified equity fund could also serve you well.

Gradual Step-Up: As you continue investing over the years, it's important to increase your SIP contributions annually. A 10% increase in your SIP every year can help you achieve your financial goals much faster.

Final Insights
Mutual Funds for Long-Term: Your investment horizon of 10-20 years is ideal for SIPs in equity mutual funds. Equity markets perform well over the long term and SIPs help average out the cost of investment.

Rebalancing Every 2-3 Years: Keep an eye on your portfolio and review it every 2-3 years. Make sure your portfolio stays aligned with your risk tolerance and financial goals. Rebalancing can help you lock in profits from certain funds and reinvest in others.

Active vs. Passive: While your index fund choice gives market-average returns, you might benefit more from actively managed large-cap funds in the long run.

Small Cap Exposure: Reduce your exposure to small-cap funds, as they carry more risk. Having one small-cap fund is usually sufficient for the average investor. Consider adding a balanced or multi-cap fund for more stability.

Continued Discipline: Investing for 10-20 years requires patience. SIPs take time to deliver their full potential, especially in volatile markets. Stay disciplined, and avoid pausing or stopping your SIPs based on market fluctuations.

By following these steps and making small tweaks, you can create a more balanced and growth-oriented portfolio. Keep a long-term perspective and regularly increase your investments to reach your financial goals.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9441 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 09, 2024

Money
Sir, I have decided to start SIP in the below MFs: Large Cap 1. ICICI Prudential Bluechip Fund- 500 Rs. per month 2. SBI Bluechip Fund- 500 Rs. per month 3. Nippon India Large Cap Fund- 500 Rs. per month 4. HDFC Top 100 Fund- 500 Rs. per month Total Amount : 2000 Rs. per month Balanced Fund 1. ICICI Prudential Equity & Debt Fund- 500 Rs. per month 2. UTI Aggressive Hybrid Fund- 500 Rs. per month Total Amount: 1000 Rs. per month Multi Cap 1. Nippon India Multi Cap- 500 Rs. per month 2. Quant Active Fund- 500 Rs. per month Total Amount- 1000 Rs. per month Your observations on the above please? Should I start my SIP with the above proposed portfolio??
Ans: Your approach to starting a SIP in a combination of large-cap, balanced, and multi-cap mutual funds shows a thoughtful effort toward diversification. This is a great starting point, and I appreciate the time you've taken to create a mix of equity-focused funds. However, before you proceed, there are several points to consider. I will break down the analysis by fund type to help you understand whether this portfolio suits your financial goals, risk profile, and investment horizon.

Large-Cap Mutual Funds
You have selected four large-cap funds with an investment of Rs. 500 per month each, totaling Rs. 2,000.

Diversification Issue: Large-cap funds generally invest in the same set of top companies in India. While large-cap funds are stable, having multiple large-cap funds may lead to portfolio overlap. That means different funds might invest in the same companies, limiting diversification benefits.

Recommendation: You might consider reducing the number of large-cap funds. You could keep one or two large-cap funds and allocate the remaining amount to another fund category for better diversification. This will help balance your portfolio and reduce duplication of holdings.

Balanced Funds (Equity & Debt Mix)
Balanced funds aim to reduce volatility by investing in both equity and debt. This adds stability, especially during market downturns.

Suitability: The two balanced funds you've chosen offer a mix of aggressive equity exposure and debt, which helps cushion your portfolio in volatile market conditions.

Investment Horizon: Since you are looking at a long-term horizon, this allocation is beneficial as these funds provide moderate risk and can help you during market corrections.

Recommendation: Continue with these balanced funds as they serve the purpose of balancing risk with potential returns. Keep monitoring their performance and ensure that they stay aligned with your financial goals.

Multi-Cap Funds
Multi-cap funds are a great addition to your portfolio as they invest in large, mid, and small-cap companies. This provides you with diversified exposure across the market spectrum.

Suitability: The two funds you've selected offer you a balanced growth opportunity by investing in companies of various market capitalizations. Multi-cap funds tend to be more volatile than large-cap funds but have the potential for higher returns over the long term.

Recommendation: Multi-cap funds are a good option for investors with a long investment horizon, such as yourself. They will allow you to participate in the growth of companies across sectors and sizes. You can continue with this allocation, but monitor the portfolio periodically to ensure its performance aligns with your risk tolerance.

Overall Portfolio Assessment
Diversification: Your portfolio is moderately diversified across large-cap, balanced, and multi-cap categories. However, due to the multiple large-cap funds, you might see overlap, as discussed earlier. For a more optimized portfolio, you can consider adding a mid-cap or small-cap fund instead of having too many large-cap funds. These categories can provide higher growth potential over the long term, but they come with higher risk.

Risk and Return Balance: Your current portfolio is balanced between high-stability funds (large-cap and balanced funds) and higher growth potential funds (multi-cap). This combination works well for investors who seek steady growth with limited risk.

General Suggestions on Mutual Fund Selection
Avoid Overlapping: As mentioned earlier, holding multiple funds from the same category, especially in large-cap funds, can lead to overlapping holdings. Try to consolidate and focus on fewer but stronger funds within each category to avoid unnecessary duplication.

Regular vs. Direct Plans: You may want to consider investing through regular plans with a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD). Direct plans seem attractive because they come with lower expense ratios. However, regular plans offer the benefit of professional advice, which is essential for long-term portfolio maintenance. A CFP or MFD can help you rebalance your portfolio, monitor fund performance, and provide tax-efficient strategies.

Active Funds Over Index Funds: Active funds, which you have chosen, can outperform index funds in the long run. Unlike index funds, which merely track the market, active funds are managed by experienced fund managers. They have the flexibility to pick and choose stocks that have the potential for higher returns, which could be beneficial for you given your long-term goals.

Taxation of Mutual Funds
Equity Funds: Long-term capital gains (LTCG) tax on equity mutual funds is 12.5% for gains above Rs. 1.25 lakh. This means that after holding equity funds for more than one year, your returns will be taxed at this rate.

Short-Term Capital Gains (STCG): Equity funds held for less than one year are taxed at 20%. Ensure you have a long-term approach to minimize this taxation.

Balanced Funds: Balanced funds are taxed based on their equity exposure. If they hold more than 65% in equity, the taxation is similar to equity funds. Otherwise, they will be taxed like debt funds.

Debt Funds: Long-term capital gains on debt funds are taxed based on your income tax slab. Given this, holding debt funds for over three years helps in availing indexation benefits, reducing tax liabilities.

Retirement Planning and Financial Goals
Given your age and your desire to build a retirement corpus in 10 years, your portfolio should focus on growth. Based on the mix of funds you’ve selected, here’s an evaluation:

Retirement Corpus: You will need a solid growth strategy to accumulate the desired retirement corpus in the next decade. Given your current portfolio allocation, it is important to keep your equity exposure high, as it offers the best growth potential over the long term.

Children's Education and Marriage: With two young children, education and marriage expenses will be significant. Keep in mind that education costs rise faster than inflation. To manage these future needs, consider segregating your investments: one portfolio for retirement and another for education.

Emergency Fund: Ensure you also maintain a sufficient emergency fund in liquid instruments such as fixed deposits or liquid mutual funds. This fund should cover at least 6 to 12 months of expenses.

Final Insights
Consolidate Funds: Instead of multiple large-cap funds, consider focusing on 1 or 2 strong performers. This will reduce duplication and enhance your returns.

Monitor and Review: Regularly review the performance of your funds with a Certified Financial Planner. This will ensure your portfolio stays aligned with your goals and risk tolerance over time.

Tax Planning: As your investments grow, it’s important to remain mindful of the tax implications of your gains. Keeping a long-term approach will help minimize taxes.

Long-Term Vision: Focus on maintaining an equity-heavy portfolio for the next 10 years, as equity investments tend to outperform in the long run. Balanced and multi-cap funds can provide a good mix of stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8135 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
My daughter had 84.5 percentile in JEE and 90 percent in class 12 cbse exams. She has decided to go for Electrical Engineering from Thapar Institute of Engineering and Technology. I just wanted to confirm whether it is a right decision or not? I learned that Electrical Engineering is tougher than other branch, is this true? After doing B. Tech from TIET whether she will have job opportunities?
Ans: Thapar Institute’s four-year B.Tech in Electrical Engineering is NBA-aligned and delivered by predominantly PhD-qualified faculty across modern power-electronics, renewable-energy, control-systems and signal-processing labs, with mandatory industry internships, active research projects and strong academic collaborations in power systems and smart grids. Electrical Engineering often involves more abstract mathematics and physics than many branches—covering electromagnetics, circuit theory, control theory and signal processing—which students commonly perceive as more challenging than Mechanical or Civil Engineering due to its theoretical rigor and conceptual complexity. TIET’s dedicated placement cell achieved an 83% overall UG placement rate in 2023 with 334 recruiters visiting campus, and EE students recorded approximately 90% placement consistency over the last three years through roles in power, automation and embedded systems. Graduates benefit from TIET’s strong industry MoUs, alumni network and annual recruitment drives by firms such as Siemens, ABB, Schneider Electric and L&T, ensuring ample job opportunities post-graduation.

For a robust, research-integrated curriculum and strong campus recruitment in core and emerging electrical domains, the recommendation is to pursue B.Tech Electrical Engineering at TIET, embracing its rigorous training and proven employability pathways. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8135 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
Sir my daughter has got admission in Bharati Vidyapeeth deemed University Pune Btech CS and also she is getting admission in marathwada mitra mandal college of engineering Pune for mechanical and electrical branches. Also there is a high probability to get admission in G H Raisoni college of engineering, Wagholi, Pune for CSE AI AND ML, CSE CYBERSECURITY, CSE DATA SCIENCE and CSE AI through MHT CET where she being a girl student we don't have to pay tution fees and in BVDU where she has secured admission for CS we have to pay 2.5lacs every year . Kindly let me know which is the better option.
Ans: Bharati Vidyapeeth Deemed University’s B.Tech Computer Science program is A+ NAAC- and NBA-accredited, delivered by PhD-qualified faculty in AI/ML, software systems and networks labs, and backed by industry MoUs and an active innovation council; however, its ?2.5 LPA tuition presents a significant financial outlay. Marathwada Mitra Mandal College of Engineering offers NBA-accredited Mechanical and Electrical streams with well-equipped CAD/CAM, thermal and power labs, PhD-faculty mentorship, skill-development programs and a strong 75+ recruiter network for an overall ?4.84 L total fee. G H Raisoni College of Engineering, Wagholi provides A+ NAAC- and NBA-aligned CSE specializations in AI & ML, Cybersecurity, Data Science and core CSE, with modern AI/ML, cybersecurity and data-analytics labs, mandatory internships and an 80–90% placement consistency—offering entirely tuition-waived seats for female MHT-CET qualifiers.

For zero tuition fees, specialized CSE tracks and robust internship-to-placement pipelines, recommendation is G H Raisoni College of Engineering Pune (CSE AI & ML). Next, recommendation is Bharati Vidyapeeth Deemed University Pune (B.Tech CS) for its premier accreditation and research ecosystem, and lastly Marathwada Mitra Mandal’s College of Engineering Pune (Mechanical/Electrical) for versatile engineering foundations and affordable fees. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8135 Answers  |Ask -

Career Counsellor - Answered on Jul 07, 2025

Career
My daughter want to bs I science, she qualify cuet exam 96 percentile in science group(math physics chemistry) , any chance for DU or ASU and which university is better for BS program in science. Please enlighten me.
Ans: Sanjib Sir, With a 96th percentile in CUET Science, admission to Delhi University’s B.Sc. (Hons.) mid-tier programmes—such as Zoology, Botany or Life Sciences at Hansraj, Miranda House and Ramjas—is well within reach, as these colleges typically close around the 92nd–97th percentile. University of Delhi’s offerings span 19 honours and 10 programme specializations, delivered by tenured faculty in well-equipped teaching and research labs and supported by semester-wise project work and interdisciplinary electives. Ashoka University’s four-year B.Sc. emphasizes liberal-arts integration, nine foundation courses, pure and interdisciplinary majors, high-end research facilities and mandatory capstone theses under PhD-qualified mentors, complemented by global partnerships and the Ashoka Scholars Programme for postgraduate research immersion. Both institutions hold NAAC accreditation and offer robust career-development services and internship placements in premier research and industry centers.

For a holistic research-driven science education with intensive faculty mentorship and global academic pathways, the recommendation is Ashoka University B.Sc. If diverse specializations, large peer networks and established undergraduate curricula appeal more, choose Delhi University B.Sc. All the BEST for Admission & a Prosperous Future!

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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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