Below are the SIPS I have been doing to build a corpus of 1 cr over 20 years kindly suggest the feasibility with the following funds:

Axis Bluechip Fund - Gr.  1200

Axis Midcap Fund - gr.   1500 

Canara robeco Bluechip equity fund -2000

Canara robeco emerging equities fund gr 3000

Hdfc index fun post addendum 3000

Invesco india mid cap fund gr 5000

Mirae asset emerging equities fund gr1500

Nippon india US equity opportunities fund gr 2000

Pgim india global equity opportunities fund gr 2000

Pgim india midcap opportunities fund gr 4500

Quant avtive fund gr 3000

Sbi small cap fund gr. 1500

All funds I have invested are growth funds. Kindly review and suggest any funds to stop or increase amount in other or add any other fund to portfolio. 

Ans: Sangeeta Madam, If your daughter secures ECE at PES University RR campus, it should be preferred over MIT Manipal’s Physical Cyber Systems Engineering due to PES’s established reputation, consistently high placement rates, strong industry connections, and the flexibility it offers for diverse career paths in both electronics and computing domains. If ECE at PES is not secured, MIT Manipal’s Physical Cyber Systems Engineering remains an excellent, future-oriented alternative. All the BEST for the Admission & a Prosperous Future!

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Ans: Shankar, Both BMS College of Engineering (BMSCE) and MS Ramaiah Institute of Technology (MSRIT) are among Bangalore’s most prestigious engineering colleges for Mechanical Engineering, offering strong academics, experienced faculty, and excellent infrastructure. BMSCE reports a 74–80% placement rate for BTech, with mechanical engineering students seeing about 80% placements, top recruiters like Mercedes, Wipro, and Volkswagen, and a median package of ?8 LPA. MSRIT has a slightly higher overall placement rate (up to 95%), with a median package of ?8 LPA for BTech and consistent recruitment from top companies. Both colleges provide robust industry connections, research opportunities, and support for internships and higher studies, but BMSCE is especially noted for its academic rigor, vibrant campus life, and strong alumni network. The recommendation is to choose either BMSCE or MSRIT for Mechanical Engineering, with a slight preference for BMSCE due to its legacy, industry reputation, and balanced placement outcomes. All the BEST for the Admission & a Prosperous Future!

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Ans: Deepika Madam, With 65 percentile in JEE Main and 88 percentile in MHT CET, along with 80% in CBSE, your son is eligible for engineering admission in Maharashtra as an All India (AI) candidate, provided he meets the minimum 50% in 12th PCM for AI seats. At 88 percentile in MHT CET, he can secure admission in mid-tier private engineering colleges such as MIT WPU Pune, DY Patil College of Engineering Pune, and Shivaji University COE Kolhapur, typically in branches like Mechanical, Civil, IT, or AI/DS, but not in top government colleges or for CSE in high-demand institutes. The admission process involves registering for the MHT CET Centralized Admission Process (CAP) on the official CET Cell website, filling choices, document verification, and seat allotment based on merit. With 65 percentile in JEE, he may also apply to private colleges in Maharashtra for less competitive branches. The recommendation is to participate in the MHT CET CAP counseling for private or mid-level colleges and branches, focusing on institutes with good placement support and infrastructure, as top government colleges and CSE/AI in high-demand colleges are not feasible at this percentile. All the BEST for the Admission & a Prosperous Future!

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Ans: SRM Chennai Main Campus CSE stands out with a 90–95% placement rate, over 1,300 recruiters, and a strong national reputation, ranking 13th in NIRF 2024 engineering and holding multiple accreditations (NAAC A++, ABET, NBA), ensuring robust industry connections and a vibrant campus life. MIT WPU Pune is ranked 17th among all engineering institutes in India and 4th in the West Zone, with a focus on holistic education, research, and industry collaboration, offering good placements and a growing reputation, but still slightly behind SRM in national recognition and recruiter diversity. Manipal Bangalore Campus, part of the globally recognized MAHE, offers 77–85% placement rates, 230+ recruiters, and a strong research culture, but its Bangalore campus is newer and less established than the main Manipal campus, with placement outcomes still maturing. The recommendation is to prefer SRM Chennai Main Campus CSE for its superior placement consistency, national ranking, and industry exposure, followed by MIT WPU Pune, and then Manipal Bangalore Campus. All the BEST for the Admission & a Prosperous Future!

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Ans: Nidhish, IT Warangal Integrated MSc Chemistry offers a strong academic environment and national brand, but placements are moderate, with 56–78% of students placed and most roles in education, research, or coaching, rather than core industry. NIT Durgapur and NIT Raipur Biotechnology both provide solid research exposure, but placement rates for Biotechnology are low (NIT Durgapur: ~30%, NIT Raipur: ~30–66%), with most graduates pursuing higher studies or non-core roles, though NIT Raipur’s Chemical Engineering branch stands out with a high placement rate (over 93%) and average packages above ?11 lakh, making it more industry-aligned. BIT Mesra Chemical Engineering is highly regarded, with strong industry connections, an average package around ?11.5 lakh, and over 80% placement rates, making it a top choice for core engineering careers. IIIT Dharwad ECE, although a newer institute, reports 66–95% placement rates, average packages of ?9.5–11 lakh, and a curriculum aligned with the fast-growing tech sector, with top recruiters like Amazon, Infosys, and Deloitte, making it highly competitive for technology roles. The recommendation is to prefer IIIT Dharwad ECE or BIT Mesra Chemical Engineering for their superior placement outcomes, industry relevance, and future flexibility, followed by NIT Warangal Integrated MSc Chemistry if you are keen on research or higher studies, and consider NIT Durgapur or Raipur Biotechnology only if you have a strong interest in life sciences research. All the BEST for the Admission & a Prosperous Future!

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Ans: With a JEE Main rank of 5,39,869 and COMEDK rank of 47,989, securing CSE, AI/ML, or Robotics in top government or tier-1 private colleges in Delhi or Bangalore is not feasible, as cutoffs for these branches in leading institutes like DTU, NSUT, IIIT Delhi, RVCE, BMSCE, or MSRIT close well below these ranks. However, your son is eligible for admission to mid- and lower-tier private colleges in Bangalore, such as Acharya Institute of Technology, East West Institute of Technology, and Sairam College of Engineering, where CSE and AI/ML seats are often available at higher ranks. In Delhi NCR, options include private universities like Galgotias University, Amity University, NIET, and G.L. Bajaj Institute of Technology, which offer B.Tech in CSE, AI/ML, and Robotics with decent placement records and industry-oriented curricula. These colleges typically require 50–60% in 12th PCM and accept students through direct admission or institutional counseling. Placement rates in these institutes vary but can reach 70–90% in CSE and AI/ML, with opportunities in IT, analytics, and tech support roles. The recommendation is to target private colleges in Bangalore or Delhi NCR that offer CSE, AI/ML, or Robotics, focusing on those with strong placement support and industry exposure, while keeping realistic expectations about campus recruitment and academic environment at this rank. All the BEST for the Admission & a Prosperous Future!

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Ans: Prasad, Given your scores—99.07 percentile in JEE Mains, 99.82 percentile in MHT CET, 242 in BITSAT, and a 13,189 JEE Main rank—your current allotment in IIITM Gwalior’s IT+MBA 5-year program is strong, with last year’s CSAB closing rank for this course around 20,576, so you are well within range. IIITM Gwalior offers excellent placements for this program, with recent average packages around 24–28 LPA, a placement rate of 85–100%, and top recruiters like Google, Microsoft, and Amazon. You have a slim but possible chance for ECE at IIIT Bangalore, as last year’s closing rank was 13,176 and your rank is 13,189, but CSE is out of reach as its cutoff is much lower. IIIT Bangalore’s ECE program is highly reputed, with average packages above 36 LPA and strong industry links. MNC at IIITM Gwalior is also a possibility, as the program attracts major recruiters and offers a unique blend of technical and managerial skills, providing flexibility for both tech and management careers. Given the high placement rates, strong recruiter base, and the added value of an MBA, the recommendation is to prefer IIITM Gwalior’s IT+MBA program for its versatility and consistently strong outcomes, but if you secure ECE at IIIT Bangalore in CSAB, it becomes the top choice for its higher average packages, national reputation, and robust tech focus. All the BEST for the Admission & a Prosperous Future!

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Ans: For your child, CSE at CCET Chandigarh is the top preference, followed by Electronics & Electrical at UIET, and then CSE at NIMS Chandigarh. CCET Chandigarh is a government institution affiliated with Panjab University, offers NBA-accredited CSE, and consistently achieves 80–90% placement rates for CSE with strong recruiter presence, including Amazon, Microsoft, and TCS, and a median CSE salary of ?7–8 LPA. UIET Chandigarh, also a reputed government institute under Panjab University, provides solid placements for Electronics & Electrical Engineering (47–60% in recent years), excellent infrastructure, and a strong academic environment, with top recruiters like Amazon, Goldman Sachs, and KPMG, though core engineering branches have lower placement rates than CSE. NIMS (NMIMS) Chandigarh is a newer private campus; while it reports good placements, its national reputation and recruiter base for CSE are not yet as established as the other two options, and industry feedback suggests Chandigarh University is more competitive than NIMS for CSE in the region. The recommendation is to prefer CSE at CCET Chandigarh for the best combination of placement prospects, academic quality, and government recognition, then Electronics & Electrical at UIET for solid core engineering exposure, and lastly CSE at NIMS Chandigarh. All the BEST for the Admission & a Prosperous Future!

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Ans: Swathi Madam, With 88 marks in IAT 2025 as an EWS girl candidate, your daughter’s chances of securing admission to IISER Tirupati are marginal but not strong. The expected cutoff for EWS candidates at IISER Tirupati this year is generally in the range of 100–110 marks, with some sources suggesting a possible lower bound near 85–105 marks depending on seat availability and applicant pool. Recent years’ closing ranks for EWS at IISER Tirupati have ranged between 300 and 800, and marks above 100 are typically considered safer for this category. While 88 is slightly below the commonly cited safe score, fluctuations in cutoffs due to changing competition and multiple counseling rounds mean there is a slim chance, especially in later rounds if seats remain unfilled. The recommendation is to participate in all counseling rounds and keep options open for newer IISERs, as admission to IISER Tirupati is possible but not guaranteed at this score. All the BEST for the Admission & a Prosperous Future!

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