Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 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
jeevan Question by jeevan on Jun 08, 2025Hindi
Money

Dear sir, I have below mutual fund ,is it good for next 15 years AXIS ESG INTEGRATION STRATEGY FUND - DIRECT PLAN INF846K01W23 DSP QUANT FUND - DIRECT PLAN INF740KA1NQ6 EDELWEISS NIFTY 100 QUALITY 30 INDEX FUND - DIRECT PLAN INF754K01NJ6 HDFC BSE SENSEX INDEX FUND - DIRECT PLAN INF179K01WN9 HDFC NIFTY 50 INDEX FUND - DIRECT PLAN INF179K01WM1 ICICI PRUDENTIAL NIFTY NEXT 50 INDEX FUND - DIRECT PLAN INF109K01Y80 MOTILAL OSWAL FOCUSED FUND - DIRECT PLAN INF247L01189 NIPPON INDIA SMALL CAP FUND - DIRECT PLAN INF204K01K15 PARAG PARIKH FLEXI CAP FUND - DIRECT PLAN INF879O01027 UTI MNC FUND - DIRECT PLAN INF789F01UD0 UTI NIFTY 50 INDEX FUND - DIRECT PLAN INF789F01XA0

Ans: You have a thoughtful mix of mutual funds aiming for long-term growth. Let me elaborate on a robust 15-year plan without using table format, yet giving you detailed guidance:

1. Move Direct Plans to Regular Plans
Currently, all your funds are in direct plan format.
While this saves on expense ratio, it requires strong self-discipline and expertise.
Without ongoing guidance, long-term performance can suffer or risk bad timing decisions.
By switching to regular plans through a Certified Financial Planner and an MFD, you gain:

Structured portfolio oversight

Behavioural coaching during volatile markets

Timely reviews and adjustments

Help with tax-efficient redemptions

Shifting your investments to regular plans helps you focus on growth without the stress of daily fund management.

2. Manage Overlap and Reduce Concentration
Your portfolio covers several themes: multiple index funds (Sensex, Nifty 50, Nifty Next 50, Quality 30), a thematic ESG scheme, a quant strategy, plus actively managed flexi-cap and small-cap funds.

However, index funds often overlap heavily in large-cap shares, which dilutes diversification.
Thematic or ESG funds can be too narrow in vision, while quant funds follow a mechanical strategy without human intervention.
Flexi-cap and focused funds add value through active selection, but small-cap funds bring high risk.

To improve diversity and oversight, consider these interim actions:

If you choose to stay with index exposure, retain only one index fund.

Actively managed schemes should remain in flexi-cap, focused, or small-cap roles.

Consider reducing the number of schemes to a balanced 8–10 options.

Leave room for active theme or quant exposure based on your conviction.

3. Build a Strategic Portfolio for a 15-Year Horizon
Think of your portfolio in quality buckets:

First, maintain a core allocation in actively managed flexi-cap or multi-cap funds. These combine growth and risk management.
Next, allocate to large-cap or MNC funds which offer stability with respectable returns.
Include a measured allocation to small-cap or aggressive hybrid segments to boost long-term growth potential.
You may keep a small slice in theme or focused funds—like ESG—if you believe in their purpose.
Another small allocation in quant or alternative equity can add diversification due to its different approach.
Only if you want passive exposure should one index fund remain in your mix, though direct index plans lack downside protection.

4. Use Systematic Transfer Plan (STP) and Rebalancing
Whenever you receive lump sum inflows—such as fund withdrawals or bonus—you should avoid investing them at once.
Instead, use a Systematic Transfer Plan to roll the lump sum across equity or hybrid funds over 12–18 months. This curbs timing risk.

As you approach the 15-year mark, transition gradually toward safer hybrid or conservative debt-based investments.
Start this transition around the tenth year, shifting capital to stability as your goal nears.

5. Understand Why Index Funds Are Not Best for Long-Term Goals
Index funds simply mirror the market without active management.
They follow the largest stocks only and cannot protect your investment during market drops.
They lack the flexibility to pivot in changing economic conditions.
Since your goals span 15 years, you need resilience and flexibility—which active funds provide through professional fund management.

6. Factor in Tax Efficiency
Remember updated tax rules:

Equity long-term capital gains above Rs?1.25 lakh are taxed at 12.5%

Short-term equity gains incur 20% tax

Debt or hybrid funds get taxed according to your income slab—no indexation

As you trim or switch funds, coordinate with your CFP to plan withdrawals that minimise taxes, especially during the accumulation and exit phases.

7. Maintain Continuous Financial Oversight
Holding over ten direct funds needs performance tracking, pattern monitoring, and rebalancing.
By steering these investments through a CFP-backed MFD, you gain:

Periodic reviews based on your goals and market cycles

Timely portfolio rebalancing

Guidance to stay invested during fear or greed

Peace of mind and focus on your goals

8. Action Plan Snapshot
Convert all direct-plan holdings into regular plans through a CFP-led MFD.

Narrow your funds to around 8–10 actively managed schemes across flexi-cap, large-cap, small-cap, and theme/quant.

Use systematic investment and transfer plans for entering and funding transitions.

Begin shifting from equity-focus to hybrid funds after year 10.

Manage taxation smartly via phased withdrawals.

Conduct semi-annual reviews to optimize your path toward goal achievement.

Final Insights
Sir, your portfolio shows strong commitment and good initial growth.
But it’s time to refine your approach. Let the support of CFP-guided plans lead you toward:

Better diversification

Reduced structural risks

Greater tax awareness

And stronger goal alignment

With the correct strategy, your investments can continue thriving for 15 years and beyond. You’ll reach your milestone with confidence and stability — guided by expert oversight.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Jun 21, 2025 | Answered on Jun 21, 2025
thank you sir !
Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

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.
Money

You may like to see similar questions and answers below

Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Jun 15, 2023

Listen
Money
Hello Sir, I am 38 years working professional. Below are my Mutual Funds list. 1. Axis Bluechip fund Direct Plan growth - 2000 / month 2. PGM mid cap opportunity Direct Plan growth - 2000 / month 3. SBI small cap fund Regular growth - 1000 / month 4. Axis nifty 50 Direct Plan growth - 2000 / month 5. ICICI next nifty 50 Direct Plan growth - 2000 / month 6. ICICI nasdaq index direct plan growth - 2000 / month 7. ICICI technology fund Regular plan growth - 1000 / month Kindly give your input on this. Shall I continue with this for long term or not?
Ans: According to the data you have given, it appears that you have a Rs. 12,000/- monthly systematic investment plan (SIP) distributed across seven different mutual funds. Generally speaking, if your entire investing amount is Rs. 10 lakhs, you should invest in 6-7 mutual funds. Over-diversification can result from having too many mutual funds in your portfolio.

Regarding the recommendation on the mutual funds in your portfolio, all of them are considered to be fundamentally strong with a good track record. Investments in pure equity funds are recommended for the long term, ideally for a period of 5-7 years.

On the other hand, certain categories such as Small Cap, Mid Cap, and Sectoral funds are recommended only if you have an investment horizon of more than 7 years.

It's worth noting that two of the funds in your portfolio, namely Axis Nifty 50 Direct Plan Growth and ICICI Nasdaq Index Direct Plan Growth, are recently launched funds. As a result, they do not have sufficient track record to accurately assess their risk and reward potential.
We hope that you have made your investments based on your short-term and long-term goals, taking into consideration your risk profile.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 15, 2024

Listen
Money
Hi sir, i have a 15yr investment horizon. I invest 20k/month in quant small cap, 10k/per month in Aditya Birla PSU Fund, 3k/month in SBI contra fund and 2k/month in axis small cap. And intermittently on Quant Infrastructure MF. Please let me know if the Mutual Fund portfolio is ok
Ans: I can provide some general observations based on your investment horizon and chosen funds.

Here's a breakdown of your portfolio:

Quant Small Cap Fund (20k/month): Invests in small-cap companies, which can offer high growth potential but also carry higher risk.
Aditya Birla PSU Fund (10k/month): Focuses on Public Sector Undertakings (PSUs), which can provide stability but may have lower growth prospects compared to broader markets.
SBI Contra Fund (3k/month): Aims to profit from both rising and falling markets, but these funds can be complex and require in-depth understanding.
Axis Small Cap Fund (2k/month): Similar to Quant Small Cap Fund, but with a different investment strategy for small companies.
Quant Infrastructure MF (intermittent): Invests in infrastructure companies, a sector with specific risks and opportunities.
General observations for a 15-year horizon:

Equity allocation: A large portion of your portfolio is in small-cap funds, which can be suitable for a long-term horizon but come with inherent volatility. Consider your risk tolerance for this concentration.
Diversification: You have some diversification across sectors (PSU, small-cap, infrastructure), but it might be beneficial to consider including a large/mid-cap fund or an index fund for broader market exposure.
Actively managed funds: Your portfolio consists of actively managed funds. These can outperform the market, but also underperform. Consider the expense ratios of these funds and how they compare to passively managed index funds.
Recommendations:

Review your risk tolerance: Ensure you're comfortable with the potential volatility of your current portfolio allocation, especially in small-cap funds.
Consider diversification: Explore adding large/mid-cap or index funds for a more balanced approach.
Research and evaluate: Research each of your fund choices to understand their investment objectives, holdings, and performance history.
Remember: This is just general information, not personalized advice. It's advisable to consult an AMFI Regd Mutual Fund distributor who can consider your specific financial goals, risk tolerance, and overall investment strategy. They can help you determine if your portfolio aligns with your needs for a 15-year investment horizon.

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 08, 2024

Asked by Anonymous - Aug 02, 2024Hindi
Money
I am 62 years old and recently started investing through Sip in below mutual fund. I intend to invest for 8-10 years. 1) Edelweiss Balance Advantage G - Rs.5K 2) HDFC Defence G - Rs.5K 3) Mirae ELSS G - Rs.5K 4) Motilal Oswal Large & Midcap G - Rs.5K 5) Nippon India Power & Infrastructure G - Rs.5K 6) Quant Flexicap G - Rs.5K 7) Quant Midcap G - Rs.5K 8) Quant Value G - Rs.5K 9) UTI Nifty 200 Momentum 30 Index G - Rs.5k Please suggest if the selected funds are good to invest for 8- 10 years period.
Ans: Assessing Your Current Mutual Fund Portfolio

Your portfolio has a diverse mix of funds across various categories. At 62, planning for an 8-10 year investment horizon is commendable. This approach allows you to benefit from market growth while also preparing for retirement. Let's evaluate your selected funds and provide insights into the effectiveness of your portfolio strategy.

Diversification and Fund Categories

You’ve spread your investments across different categories. This is generally a good strategy. But, it’s important to assess if these funds align with your financial goals and risk tolerance. Here’s a breakdown:

Balanced Advantage Fund: This type of fund balances equity and debt exposure. It helps manage risk, especially as you approach retirement.

Sectoral Funds (Defence, Power & Infrastructure): These funds focus on specific sectors. They can be volatile, as their performance is tied to the sector's health. Holding sector-specific funds can lead to concentration risk. It’s crucial to monitor their performance regularly.

Equity Linked Savings Scheme (ELSS): This is a tax-saving instrument. It has a lock-in period of three years. It’s good for long-term wealth creation with the added benefit of tax savings.

Large & Midcap Funds: These funds invest in both large and mid-sized companies. They offer a balance of stability and growth potential. But, they can be subject to market volatility.

Flexicap Fund: This fund has the flexibility to invest across market capitalizations. It allows the fund manager to adapt to market conditions.

Midcap Fund: Midcap funds focus on medium-sized companies. They have high growth potential but also come with increased risk.

Value Fund: This fund invests in undervalued stocks. It has the potential for significant returns but requires patience. Value stocks may take time to realize their potential.

Index Fund: Index funds replicate a market index. They provide broad market exposure. However, they lack the active management that could help navigate market fluctuations.

Key Considerations

While your portfolio is diversified, there are some points to consider for optimization:

Sectoral Exposure: Sector-specific funds like Defence and Power & Infrastructure are high-risk. If the sector performs poorly, these funds can underperform. It’s advisable to limit exposure to such funds.

Index Fund Disadvantages: Index funds like the UTI Nifty 200 Momentum 30 have a passive management style. They can’t adapt to market changes. This could limit potential returns during volatile market conditions. Actively managed funds, guided by experienced fund managers, offer better chances for growth.

Direct Funds vs. Regular Funds: Direct funds have lower expense ratios but require a hands-on approach. If you prefer professional guidance, regular funds through a Certified Financial Planner (CFP) are more suitable. Regular funds also provide access to expert advice, helping you make informed decisions.

Optimizing Your Portfolio

To align your investments with your goals and risk profile, consider these adjustments:

Reduce Sectoral Exposure: Consider reducing your investments in sectoral funds. These funds are more volatile and can impact your portfolio's overall stability. A more diversified approach can help mitigate risk.

Focus on Actively Managed Funds: Shift focus towards actively managed funds. These funds have professional managers who can make decisions based on market conditions. This could potentially offer better returns compared to index funds.

Review Flexicap Allocation: The Flexicap fund in your portfolio provides flexibility in capitalization exposure. Ensure this fund aligns with your overall investment strategy. It should complement rather than overlap with other funds in your portfolio.

Rebalancing and Monitoring

Regular Reviews: At 62, it’s essential to regularly review your portfolio. Ensure your investments align with your evolving financial needs. Consider rebalancing your portfolio annually to maintain your desired risk level.

Risk Management: As you approach retirement, it’s wise to gradually reduce exposure to high-risk assets. This helps protect your capital while still allowing for some growth.

Consult a Certified Financial Planner: Engaging with a CFP can provide personalized advice. They can help tailor your portfolio to your specific needs. This ensures that your investments are optimized for your retirement goals.

Final Insights

Your current portfolio is diverse, which is a positive aspect. However, it’s important to consider the risks associated with sectoral and index funds. Shifting focus towards actively managed funds and reducing sectoral exposure can help optimize your portfolio for better returns. Regular reviews and adjustments will ensure your investments remain aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 11, 2025

Asked by Anonymous - Feb 07, 2025Hindi
Listen
Sir, Want to your suggestion and opinion about my mutual fund Investment:- Age-32 Investment duration- 18 Years Amount-9000/- Target-11000000/- Step Up- 10% Every Year Fund are as follows:- Parag Parikh flexi Cap-2000/- Kotak Multi Cap-3500 Nippon Nifty 150 Index-1000 Icici Nifty Next 50 Index-1500 Nippon Small Cap-1000/- Is it good for my target?
Ans: You have an 18-year investment horizon, which is good for wealth creation.

Your target is Rs 1.1 crore, which requires disciplined investing and market-linked growth.

With a 10% annual step-up, your investment will grow over time.

Equity mutual funds are suitable for this goal, given the long investment horizon.

The asset allocation in your portfolio needs a closer look for efficiency.

Asset Allocation Review
You have a mix of flexi cap, multi cap, small cap, and index funds.

Actively managed funds can outperform passive funds over the long term.

Index funds have limitations, as they only track benchmarks without expert fund management.

Small caps add high-risk, high-reward potential but need active monitoring.

The allocation should be balanced between growth and stability.

Issues with Index Funds in Your Portfolio
Passive funds like index funds do not try to beat the market.

Actively managed funds can outperform through expert stock selection.

In bear markets, index funds suffer as they mirror market downturns.

Your portfolio can perform better with actively managed large and mid-cap funds.

Removing index funds and replacing them with actively managed ones can improve returns.

Portfolio Diversification
Your portfolio covers different market capitalisations, which is good.

Small caps can be volatile but provide long-term growth.

A mix of flexi cap and multi cap funds ensures broad diversification.

You can add a mid-cap fund for better balance.

The allocation towards different segments should be regularly reviewed.

SIP Step-Up and Wealth Creation
Increasing your SIP by 10% every year is a smart move.

This helps in compounding wealth faster over time.

Even a small increase in SIP can make a huge impact in the long term.

Staying invested without panic selling is key to success.

Market corrections are opportunities, not threats, for long-term investors.

Taxation on Mutual Fund Returns
LTCG on equity mutual funds above Rs 1.25 lakh is taxed at 12.5%.

STCG on equity mutual funds is taxed at 20%.

Tax planning should be considered while redeeming funds.

Holding investments long-term reduces unnecessary tax liability.

Improvements Needed in Your Portfolio
Replace index funds with actively managed funds for better performance.

Ensure your portfolio has sufficient exposure to mid-cap and large-cap segments.

Regularly review and rebalance the portfolio to stay on track.

Stick to your SIP plan and avoid emotional investment decisions.

Consult a Certified Financial Planner for personalised guidance.

Finally
Your investment plan is structured but needs adjustments for better growth.

Avoid index funds and opt for well-managed active funds.

Continue SIP step-ups to reach your Rs 1.1 crore target.

Monitor and rebalance your investments every 6-12 months.

Stay invested for the long term and avoid panic reactions.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 11, 2025

Asked by Anonymous - Feb 07, 2025Hindi
Listen
Sir, Want to your suggestion and opinion about my mutual fund Investment:- Age-32 Investment duration- 18 Years Amount-9000/- Target-11000000/- Step Up- 10% Every Year Fund are as follows:- Parag Parikh flexi Cap-2000/- Kotak Multi Cap-3500 Nippon Nifty 150 Index-1000 Icici Nifty Next 50 Index-1500 Nippon Small Cap-1000/- Is it good for my target?
Ans: You have an 18-year investment horizon, which is good for wealth creation.

Your target is Rs 1.1 crore, which requires disciplined investing and market-linked growth.

With a 10% annual step-up, your investment will grow over time.

Equity mutual funds are suitable for this goal, given the long investment horizon.

The asset allocation in your portfolio needs a closer look for efficiency.

Asset Allocation Review
You have a mix of flexi cap, multi cap, small cap, and index funds.

Actively managed funds can outperform passive funds over the long term.

Index funds have limitations, as they only track benchmarks without expert fund management.

Small caps add high-risk, high-reward potential but need active monitoring.

The allocation should be balanced between growth and stability.

Issues with Index Funds in Your Portfolio
Passive funds like index funds do not try to beat the market.

Actively managed funds can outperform through expert stock selection.

In bear markets, index funds suffer as they mirror market downturns.

Your portfolio can perform better with actively managed large and mid-cap funds.

Removing index funds and replacing them with actively managed ones can improve returns.

Portfolio Diversification
Your portfolio covers different market capitalisations, which is good.

Small caps can be volatile but provide long-term growth.

A mix of flexi cap and multi cap funds ensures broad diversification.

You can add a mid-cap fund for better balance.

The allocation towards different segments should be regularly reviewed.

SIP Step-Up and Wealth Creation
Increasing your SIP by 10% every year is a smart move.

This helps in compounding wealth faster over time.

Even a small increase in SIP can make a huge impact in the long term.

Staying invested without panic selling is key to success.

Market corrections are opportunities, not threats, for long-term investors.

Taxation on Mutual Fund Returns
LTCG on equity mutual funds above Rs 1.25 lakh is taxed at 12.5%.

STCG on equity mutual funds is taxed at 20%.

Tax planning should be considered while redeeming funds.

Holding investments long-term reduces unnecessary tax liability.

Improvements Needed in Your Portfolio
Replace index funds with actively managed funds for better performance.

Ensure your portfolio has sufficient exposure to mid-cap and large-cap segments.

Regularly review and rebalance the portfolio to stay on track.

Stick to your SIP plan and avoid emotional investment decisions.

Consult a Certified Financial Planner for personalised guidance.

Finally
Your investment plan is structured but needs adjustments for better growth.

Avoid index funds and opt for well-managed active funds.

Continue SIP step-ups to reach your Rs 1.1 crore target.

Monitor and rebalance your investments every 6-12 months.

Stay invested for the long term and avoid panic reactions.

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  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Hi there So i got like 97k in kcet and 73k ranks in comedk i want cse mostly im fine with ece also in the first mock round of comedk i got sahayadri college of engineering is that good And also what colleges i might get in Bangalore with these ranks and want good placements or do you suggest me to go take management quota seat in nhce or jain rather than all this
Ans: With a KCET rank of 97,000 and COMEDK rank of 73,000, Computer Science or ECE seats in Bangalore’s most sought-after colleges (such as RVCE, BMSCE, MSRIT, PESU, and DSCE) are not attainable, as their cutoffs close far earlier. For these ranks, you are eligible for options like R.R. Institute of Technology, S.E.A. College of Engineering, M.S. Engineering College, Dr. H N National College of Engineering, City Engineering College, and East West Institute of Technology in Bangalore through COMEDK, as well as GSS Institute of Technology via KCET; CSE or ECE is typically offered until about 75,000–1,00,000 rank in these institutions. Sahyadri College of Engineering in Mangalore, offered in the first mock allotment, has a consistent placement record with an average package of ?3–4 lakh and top recruiters such as Microsoft and IMV Corporation, and regularly fills over 80% of its eligible CSE/ECE students; the infrastructure is modern and reviews cite good faculty engagement, but it is outside Bangalore. For NHCE and Jain University, you can take CSE/ECE through management quota; both campuses provide contemporary facilities, ABET/NAAC accreditations, and strong placement rates above 80%, but require a significant tuition premium (?10–12 lakh total fee). NHCE’s placement cell is robust, and Jain’s industry ties are well rated. Placement opportunities and exposure are typically stronger at NHCE/Jain due to their branded recruiter base and metropolitan location, provided affordability is not a concern.

Recommendation: If your priority is a Bangalore location, industrial exposure, and better placement prospects, opting for NHCE or Jain University CSE/ECE via management quota is advisable if the higher cost is manageable. Among merit seats, Sahyadri (Mangalore) is a solid backup, but in Bangalore, prefer institutes like NHCE and Jain for stronger campus recruitment, infrastructure, and networking. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ravi

Ravi Mittal  |626 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Relationship
Hello Sir, I am 26 yrs old and Data Analyst in a good company and everything is going well. But sometimes I feel lonely it feels like nobody is there for me to love me and when i see some people get engaged i feel someone also should be there for me to love me and i have never been in a relationship because of immature proposals. But now i want a good partner to make me feel good. Please help me out. Thank you.
Ans: Dear Anonymous,
I understand your feelings and it’s totally valid. Even with everything going great, life can seem lonely. That is very natural and more common than you think. And seeing others finding their partner can feel like salt in the wound. All your feelings are valid. But what you need to understand is that rushing to get in a relationship can end up in more loneliness; relationships can be lonely too. Take your time. Love doesn’t have a set timeline. Ask your friends to set you up with someone who seems compatible, or try dating apps; it will give you more control on whom you are letting into your life. You will find someone soon; you are too young to rush into anything. If you are trying an app, make sure to mention what kind of a partner and what kind of relationship you are looking for to attract the right people and not waste time and energy on ones that are too different from who you are or what you are seeking. It will be a bit of trial and error, and honestly, there’s a certain fun in figuring out what you want, too. I’m sure your love story is going to start soon!

Best Wishes.

...Read more

Nayagam P

Nayagam P P  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Respected sir,I am a average student of class 12 I just wanted 1lakh jee mains so that I could get ece or something in bit sindri please suggest strategies as there is very little time available in jee mains
Ans: An analysis of BIT Sindri’s JEE-Main cutoffs shows for Electronics & Communication Engineering, the All-India closing rank extended up to 123,269 in 2025, indicating that an approximate rank near 100,000 would secure admission into this branch. Historical data correlating JEE Main marks and ranks reveals that scoring around 70 marks out of 300 typically yields an 87.7–90.7 percentile, translating to a rank range of approximately 92,300–109,300. With little time remaining before the exam, average students should prioritize a targeted, high-yield preparation plan: first, consolidate core concepts from NCERT to reinforce fundamentals in Physics, Chemistry, and Mathematics and avoid starting new topics at this stage. Next, employ a one-month week-by-week timetable focused on essential chapters—allocating time each day to problem practice and mock tests under exam conditions to hone speed and accuracy. Utilize concise revision notes and formula sheets for rapid recall, and solve previous years’ JEE Main papers to familiarize yourself with question patterns and to identify weak areas for intensive review. Incorporate daily full-length mocks followed by detailed error analysis, dedicating specific slots to clear lingering doubts through peer discussion or online resources. Manage time effectively by adhering strictly to a realistic study schedule that balances all three subjects, with short breaks to maintain mental freshness and stress-management techniques such as deep breathing to sustain focus on exam day. Finally, maintain a positive mindset and steady pace—confidence and consistency in revision will maximize scoring potential in limited time.

Recommendation: recommendation Concentrate on mastering high-weightage NCERT topics and simulate exam conditions with regular mock tests to target 70+ marks. Prioritize solving previous year papers and focused revision of weak areas, ensuring a disciplined timetable and stress-management to achieve a rank near 100,000 for BIT Sindri ECE admission. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Gen open category student, With Jee CRL 17420 got nit goa ECE, expect to get MSRIT or PESU CSE via KCET Rank 2860. What better NIT can be expected in CSAB for ECE or CSE. And is it preferred over MSRIT/ PESU. Any other guidance, open for options
Ans: With a JEE Main CRL of 17,420, securing CSE in any core NIT through CSAB is highly unlikely, as recent closing ranks for CSE at most NITs fall well below 11,000, even in the final rounds, and only remote NITs or peripheral campuses occasionally extend to 15,000–18,000 but rarely for CSE. For ECE, however, your chances are notably better. NIT Goa ECE (already allotted) aligns with your current rank, but a few other mid-tier or remote NITs, such as NIT Uttarakhand, NIT Meghalaya, NIT Agartala, and possibly NIT Sikkim or NIT Manipur, occasionally close ECE between 17,000 and 20,000 in CSAB special rounds for open category, though branches like CSE and allied tracks (AI, IT, Data Science) remain out of reach at these ranks. No higher-ranked NITs (Surathkal, Trichy, Warangal, Calicut, Rourkela, Jaipur, Kurukshetra, and similar) offer ECE or CSE to CRL 17,420 via CSAB, as confirmed by leading portals and official PDFs. At IIITs and GFTIs, even new or lesser-known campuses do not admit general category candidates into CSE or ECE above 15,000–16,000. Through KCET, MSRIT CSE and PES University CSE are realistically achievable with a rank of 2,860, as 2025 cutoff trends show closing ranks for MSRIT CSE at 2,300–2,500 and for PESU at 1,200–1,400. Both programs are well-established, report 90–95% or better CSE placements in the last three years, strong industry ties, and advanced infrastructure, with MSRIT edging ahead in placement consistency and affordability, while PESU leads in industry-oriented curriculum and campus resources. Self-financed top private options like these offer outcome parity with most NIT ECE courses below the top ten NITs, especially if you seek a competitive academic peer group, robust CSE exposure, and strong brand value for tech roles. Consider your program preference (ECE vs. CSE), long-term goals, campus fit, and location.

Recommendation: Prioritize MSRIT CSE for the best blend of placement record, peer competitiveness, and proven reputation if you seek top CSE outcomes, followed by PESU CSE for curriculum depth and global industry alignment, then NIT Goa ECE or similar-ranked NITs if you prefer a central government degree and core electronics exposure. For CSE, KCET options at MSRIT or PESU offer stronger immediate prospects than ECE in mid-tier NITs, but a remote NIT ECE may appeal if your focus lies in public-sector opportunities or research. Remain active in CSAB special rounds for all eligible NIT ECEs, but plan for high-quality CSE options in Bangalore for the best return on your effort and rank, and back these with clear decision timelines given rapid seat movement in private college rounds. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Sir my percentile is 89.7 and crl 151013. What seats can I expect in csab counselling?
Ans: Hrishav, With a JEE Main CRL of 151,013 and 89.7 percentile, the prospect of securing a seat in NITs, IIITs, or GFTIs through CSAB special rounds for core branches like Computer Science, IT, ECE, or allied fields is highly unlikely. In the most recent 2025 CSAB rounds, even the newest and most remote NITs and IIITs posted closing general category CRL ranks for CSE, IT, and ECE well below 125,000, and GFTIs followed similar trends for all preferred branches. No centrally funded technical institute admitted general category candidates for core streams at or beyond 150,000; minimal relaxations were observed in CSAB spot and final rounds, but these primarily benefited non-core branches, peripheral campuses, or reserved categories. Lower-demand streams in some GFTIs, such as production, textiles, or metallurgy, occasionally extend above your rank, but these seats are rare and variable and should not be relied upon for core engineering admission. It is crucial to participate in CSAB for any remote possibility of vacant seats, but expectations must remain realistic. As an alternative, several respected private colleges across Northern India accept JEE Main general category ranks well above 150,000 and offer robust B.Tech programs, strong industry connections, modern infrastructure, and placement support.

Recommendation: Participate in CSAB special rounds as there is no risk, though the chances of attaining a core branch in a government institute are exceedingly slim. Simultaneously, secure backup admission in reputable private engineering colleges in Northern India, as they assure you a quality seat in popular branches like CSE, IT, or ECE at your rank.

Private colleges accepting your JEE Main CRL 151,013 for CSE, IT, or related branches include Chandigarh University, Mohali. Lovely Professional University, Jalandhar. Amity University, Noida. Sharda University, Greater Noida. Galgotias University, Greater Noida. Jaypee Institute of Information Technology, Noida. ABES Engineering College, Ghaziabad. Indraprastha Institute of Technology & Management, Delhi. GL Bajaj Institute of Technology & Management, Greater Noida. Maharaja Agrasen Institute of Technology, Delhi. All of these offer modern infrastructure, active placement cells, and transparent admissions for JEE Main-qualified candidates above your rank. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x