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Ramalingam

Ramalingam Kalirajan  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 14, 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
Asked by Anonymous - Nov 04, 2024Hindi
Money

I have corpus of 60 lkh ( from several MF / ULIP etc) ... can you please guide me how to invest in SWP to get regular monthly income of Rs.60000/- from Jan 2025 My prsent age is 52.. Or you may suggest me what is good for me .. Please.

Ans: creating a stable and secure monthly income plan is achievable with the right investment strategy. A Systematic Withdrawal Plan (SWP) can help ensure consistent income without eroding your capital too quickly. Here’s a comprehensive, 360-degree approach tailored to your needs.

Step 1: Establishing Clear Monthly Income Goals
Target Monthly Income:

Your goal is to achieve Rs 60,000 per month starting January 2025.
This translates to an annual requirement of Rs 7.2 lakh.
Inflation Consideration:

Since you’re only 52, consider a small annual increase to combat inflation.
Keeping up with inflation will ensure purchasing power in the long term.
Step 2: Setting Up a Systematic Withdrawal Plan (SWP)
An SWP in mutual funds can provide regular monthly income while preserving the principal amount as much as possible.

Choosing the Right Funds:

Balanced Advantage Funds: These funds adjust equity and debt exposure based on market conditions, balancing returns with risk.
Hybrid Funds: They provide a blend of stability and growth by investing in both equity and debt.
Avoiding Index Funds and Direct Funds:

Index funds lack active management, which limits flexibility in volatile markets.
Direct funds lack professional guidance, which can make it difficult to meet long-term goals effectively.
Opting for regular funds through a Certified Financial Planner ensures proper management.
Tax Efficiency:

Equity mutual funds have tax benefits if held for the long term.
Under the latest tax rules, long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term gains (STCG) are taxed at 20%, making long-term holding more beneficial.
Step 3: Portfolio Allocation for Monthly Income Stability
Equity Allocation:

Allocating around 40-50% to equity-oriented funds can provide long-term growth.
Equity offers potential for higher returns, which helps in beating inflation.
Debt Allocation:

The remaining 50-60% can be invested in debt mutual funds, which provide stability and predictable returns.
Debt funds will reduce risk and make monthly income more predictable.
Reinvesting Dividends:

Choose growth options within funds for better compounding.
An SWP can draw monthly amounts, making reinvestment of dividends unnecessary.
Adjusting for Market Conditions:

Your Certified Financial Planner can help adjust allocation based on market conditions.
This flexibility in allocation is especially valuable during volatile periods.
Step 4: Structured Monthly Income through SWP
Setting Up the SWP:

Begin withdrawals from January 2025 as per your need of Rs 60,000 per month.
Withdrawals can be set at a fixed date each month for consistency.
Protecting Capital:

With careful management, the SWP will sustain monthly income without depleting capital too quickly.
Regular reviews by your Certified Financial Planner will optimise your withdrawal rate to maintain capital longevity.
Step 5: Emergency Fund Allocation
Importance of Liquidity:

It’s vital to keep an emergency fund for unexpected expenses, separate from your investment corpus.
A sum equivalent to 6-12 months of expenses should be set aside in liquid funds or a high-yield savings account.
Avoiding Disruption in SWP:

By keeping an emergency fund, you avoid dipping into your SWP or investment corpus during unexpected times.
Step 6: Monitoring and Rebalancing the Portfolio
Periodic Portfolio Reviews:

Regular monitoring helps ensure the SWP is meeting your monthly income goals.
Market conditions and personal financial needs may shift over time, requiring adjustments.
Rebalancing Asset Allocation:

Rebalancing the equity and debt portions periodically helps maintain the ideal risk-return balance.
Your Certified Financial Planner can assist in rebalancing to preserve capital and income stability.
Step 7: Avoiding Common Pitfalls
Avoid High-Risk Investments:

Avoid aggressive equity investments, which could lead to losses.
Stick to a balanced portfolio that aligns with your risk tolerance.
Not Over-Estimating Withdrawal Rates:

Withdrawing too high an amount each month can deplete capital quickly.
A Certified Financial Planner can calculate a safe withdrawal rate to sustain income long term.
Avoid Direct Investments:

Direct investments lack the guidance and expertise needed for steady income.
Opt for regular funds managed by a Certified Financial Planner for a structured approach.
Step 8: Health and Life Insurance Considerations
Health Insurance Coverage:

As you approach retirement, health insurance becomes essential to cover medical expenses.
Ensure you have a comprehensive plan that meets healthcare needs without impacting your SWP.
Reviewing Life Insurance:

If you hold ULIPs or LIC investment-cum-insurance policies, consider surrendering them for better investment options.
The saved premiums can be reinvested in mutual funds to further support your SWP income.
Step 9: Future Planning Beyond SWP
Retirement Planning:

As you age, inflation will affect purchasing power. Ensure periodic reviews and adjustments to your SWP.
Discuss with your Certified Financial Planner ways to adjust income as expenses increase.
Consider Your Long-Term Needs:

Factor in potential future expenses such as medical costs or travel.
A well-planned SWP will allow flexibility for additional withdrawals if needed.
Final Insights
With a well-planned SWP, you can enjoy a steady income of Rs 60,000 per month without depleting your capital too soon. By choosing the right funds, balancing equity and debt, and consulting a Certified Financial Planner, you’ll achieve consistent income with minimal risk. Periodic reviews and adjustments will ensure your investments stay aligned with your needs, providing peace of mind in retirement.

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  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 12, 2024Hindi
Listen
Money
Sir, I am 59 years old, will retire in January 2025, I want to make SWP of Rs.30 lakh so that I can get Rs 20K monthly pension. Which fund I will select and how to invest ?
Ans: As you approach retirement, it's essential to plan for a steady income stream to support your lifestyle. Here's how you can achieve your goal of setting up a Systematic Withdrawal Plan (SWP) to generate Rs. 20,000 monthly pension from a Rs. 30 lakh corpus:

• Given your age and the need for stable income, consider investing in debt mutual funds or conservative hybrid funds.
• These funds typically invest in fixed-income securities like bonds and offer regular income through dividends or SWPs.

• Look for funds with a track record of consistent returns and a focus on capital preservation.
• Conservative debt funds or monthly income plans (MIPs) may be suitable options for generating steady income while minimizing risk.

• Calculate the SWP amount needed to generate Rs. 20,000 monthly pension from your Rs. 30 lakh corpus.
• Consider factors such as expected returns, withdrawal frequency, and fund expenses when determining the SWP amount.

• It's crucial to review your investment portfolio regularly and adjust your SWP amount as needed based on market conditions and your financial goals.
• Consult with a Certified Financial Planner to help you select the appropriate mutual fund and set up the SWP to meet your retirement income needs.

• Ensure you have a contingency fund set aside for emergencies to cover unexpected expenses during retirement.
• Additionally, consider diversifying your retirement income sources, such as annuities or senior citizen savings schemes, for added financial security.

By carefully selecting the right mutual fund and setting up a disciplined SWP strategy, you can create a reliable income stream to support your retirement lifestyle. Stay focused on your financial goals and consult with a financial advisor for personalized guidance tailored to your needs. Best wishes for a happy and fulfilling retirement!

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Ramalingam

Ramalingam Kalirajan  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 21, 2024

Asked by Anonymous - Oct 19, 2024Hindi
Money
Hi Sir, I am 41 years. I have 50 lakhs cash, i want to do swp this amount to get 70k monthly from march 2025. Could you please suggest me how to proceed in this case?.. Thanks
Ans: You are looking for a solution to generate Rs 70,000 monthly using a Systematic Withdrawal Plan (SWP) from Rs 50 lakhs starting in March 2025. Let's explore a few options that will balance regular income needs with potential growth, all within a safe risk framework. Since you have around 5 months until March 2025, it’s important to plan now.

Below is a comprehensive analysis that will help you achieve your goals.

Understanding Your Objective
You have Rs 50 lakhs to invest.

You need Rs 70,000 monthly starting March 2025.

You are 41 years old, which means you have a long financial horizon and can afford a mix of growth and safety.

Medium risk tolerance.

To ensure the monthly withdrawal of Rs 70,000 doesn’t deplete your capital too quickly, a balanced approach is required. Let's consider mutual fund options suited for a medium-risk profile.

Why a Systematic Withdrawal Plan (SWP)?
SWP allows you to withdraw a fixed amount every month while the rest of your investment continues to grow.

This approach avoids keeping the entire amount in a low-interest product like an FD, where inflation will erode the real value.

With SWP, you also get tax efficiency. Your withdrawals are partially treated as capital gains and partially as a return of capital, reducing the tax burden.

Importance of Asset Allocation
Asset allocation is critical to meeting your monthly income needs without depleting your corpus. In your case, you need:

Regular income to start in March 2025.

Growth potential to ensure the capital lasts long-term.

Here’s how you can structure your allocation:

Equity-Oriented Hybrid Funds (60% allocation): These funds provide a mix of equity and debt exposure. They offer the potential for higher returns while keeping risk in check. Equity exposure ensures long-term growth, while the debt portion provides stability.

Debt-Oriented Hybrid Funds (40% allocation): These funds have a higher debt exposure but still provide some equity exposure for growth. The debt portion ensures regular returns and reduces volatility.

This mix gives you both stability and growth to meet your withdrawal goals.

How to Invest
Step 1: Invest the Lump Sum
Since you need to start the SWP in March 2025, the first thing to do is invest the Rs 50 lakhs. You can split this across equity-oriented and debt-oriented hybrid funds. The reason for hybrid funds is that they are less volatile than pure equity funds but still offer growth potential.

Split the Rs 50 lakhs as:

Rs 30 lakhs in equity-oriented hybrid funds.

Rs 20 lakhs in debt-oriented hybrid funds.

The idea is to get the best of both worlds — growth from equity and stability from debt.

Step 2: Set Up the SWP
By the time you start the SWP in March 2025, your investment will have had a few months to generate some growth. The returns from these funds should help in providing your desired monthly withdrawal without depleting the capital too fast.

You can set up an SWP for Rs 70,000 per month. It’s important to keep an eye on the performance of the funds and adjust your withdrawals if necessary. If the markets are down, withdrawing less can help preserve your capital.

Tax Considerations
It is crucial to be aware of the tax implications of SWP withdrawals.

For Equity Funds: If you hold the funds for more than 12 months, the gains are classified as long-term capital gains (LTCG). Currently, LTCG is taxed at 12.5% on gains exceeding Rs 1.25 lakhs per year. Short-term capital gains (STCG) are taxed at 20%.

For Debt Funds: Any gains made after 3 years are considered long-term and taxed at your income slab. Short-term gains are taxed according to your income tax slab as well.

Since SWP withdrawals are treated as a combination of capital gains and return of principal, the tax impact is usually lower than regular income.

Benefits of Actively Managed Mutual Funds
Actively managed mutual funds can be a better option than index funds or direct funds. Here’s why:

Flexibility: Actively managed funds allow fund managers to change the asset allocation based on market conditions. This means they can reduce risk or enhance growth as needed.

Better Performance: Over time, actively managed funds can outperform index funds, especially in a medium-risk scenario like yours, where the objective is to preserve capital while generating regular income.

Professional Management: Having a Certified Financial Planner managing your funds means you benefit from expert knowledge, which can help in maximizing returns and minimizing risks.

Avoid direct funds, as they do not offer the same personalized support that investing through a CFP-certified MFD offers. This support is crucial when dealing with market fluctuations and planning SWP withdrawals.

Keeping Inflation in Mind
Inflation is a key consideration for a medium to long-term withdrawal plan. A monthly withdrawal of Rs 70,000 in 2025 might not hold the same value after 10 or 15 years due to inflation.

You need to regularly review your withdrawals and possibly increase them every few years to keep pace with inflation. This is where actively managed funds help, as they offer growth potential to combat inflation. You can set up a periodic review with your Certified Financial Planner to adjust your SWP as needed.

Regular Monitoring and Review
Once your SWP starts, regular monitoring of the portfolio is essential. Market conditions, fund performance, and your changing needs must all be taken into account. By working with a Certified Financial Planner, you can ensure that your SWP continues to meet your needs without depleting your capital too quickly.

Set up a 6-monthly or annual review of your investment to check the performance.

Adjust the SWP amount based on the market and personal requirements.

Stay flexible. You can reduce withdrawals if the market is down and increase when it's favorable.

Alternatives if SWP Alone Isn’t Sufficient
If you feel that an SWP alone won’t meet your future financial needs, consider the following options:

Increase the Corpus: Adding to your Rs 50 lakh corpus over time will give you more flexibility and safety. You can invest additional amounts in the same funds and set up a larger SWP in the future.

Dividend Payouts: Some hybrid funds also offer dividend payout options. These dividends can supplement your SWP withdrawals, ensuring you meet the Rs 70,000 target each month.

However, dividends are now taxed as per your income tax slab, so SWP is generally a more tax-efficient option.

Preparing for Market Downturns
Since hybrid funds have exposure to equity, there will be some market volatility. It’s important to mentally prepare for market downturns. Here are a few tips:

Do not panic if the market drops temporarily.

Avoid selling the funds prematurely unless necessary.

Keep a buffer of 3-6 months’ worth of expenses in a safer investment like a liquid fund. This will ensure you do not need to withdraw during market corrections.

Having a buffer also gives your investment time to recover if there’s a short-term dip.

Final Insights
Generating Rs 70,000 per month from Rs 50 lakhs is possible with the right strategy. Using an SWP from a combination of equity and debt-oriented hybrid funds can help you achieve your goal while preserving your capital.

It’s important to stay patient, review your investment regularly, and make adjustments as needed. With active fund management and a Certified Financial Planner guiding you, you will have a clear path to generating a reliable monthly income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 01, 2025

Asked by Anonymous - Mar 31, 2025Hindi
Listen
I am having around 20 lakhs needs monthly income by investing in swp how to go ahead I am turning 60 next month.
Ans: You have Rs. 20 lakhs and want a steady monthly income using Systematic Withdrawal Plan (SWP). Since you are turning 60 next month, your investment must be structured for stability, tax efficiency, and longevity. Let’s analyze how to plan your SWP effectively.

Key Factors to Consider Before SWP
1. Expected Monthly Income and Longevity of Funds
SWP provides a fixed monthly withdrawal from mutual funds while allowing the rest to remain invested.

If the withdrawal rate is too high, the capital may deplete quickly. If it is too low, it may not meet your expenses.

You must balance growth, stability, and withdrawal rate to ensure the corpus lasts at least 20+ years.

2. Choosing the Right Type of Funds
Equity funds have higher growth potential but also come with market volatility.

Debt funds offer stability but have lower returns.

A hybrid approach (mix of equity and debt) can provide both growth and stability.

Funds with lower volatility and tax efficiency should be preferred.

3. Taxation on SWP Withdrawals
Equity-oriented mutual funds: Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt-oriented mutual funds: Taxed as per your income slab.

Step-by-Step Approach for SWP
Step 1: Allocate Funds Wisely
40% in Hybrid Funds: To balance growth and stability.

40% in Conservative Debt Funds: For low risk and steady income.

20% in Equity Funds: For long-term capital appreciation.

This mix ensures stability while keeping growth potential intact.

Step 2: Determine Withdrawal Rate
If you withdraw Rs. 10,000 per month, the corpus may last 25+ years with market-linked growth.

If you withdraw Rs. 15,000 per month, it may last 15-18 years.

A higher withdrawal rate shortens longevity of funds.

Step 3: Select the Right SWP Strategy
Withdraw from debt funds initially to allow equity funds to grow.

Keep one year’s expenses (Rs. 2-3 lakhs) in a liquid fund for emergency use.

Review SWP every year to adjust based on market performance and expenses.

Alternative Options for Steady Income
1. Dividend Payout from Mutual Funds
Some mutual funds offer regular dividends, but they are not guaranteed.

SWP is better than dividends as it provides controlled withdrawals.

2. Senior Citizens Savings Scheme (SCSS) and Monthly Income Schemes
SCSS offers 8-8.5% interest but has a 5-year lock-in.

Post Office Monthly Income Scheme (POMIS) gives fixed monthly income but lower returns.

These are safe but less flexible than SWP.

Final Insights
To get steady income, invest in a mix of hybrid, debt, and equity funds. Start SWP from debt funds first, then shift to equity and hybrid funds later. Withdraw at a sustainable rate to ensure funds last for 20+ years. Keep an emergency fund for safety. Avoid fixed-income schemes that limit flexibility. Review SWP yearly and adjust based on expenses.

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  |9699 Answers  |Ask -

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My son has recently got his admission in vit .. vellore for mechanical engineering.. kindly advise sap for him for mechanical engineering if he is interested to pursue abroad....for mechanical engineering what's the good scope through Vit...what are the options if he wants to pursue abroad while in vit through their 2+2 or 3+1+1 programs or other opportunities if any...and University options
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I got 96 percentile in mht cet and belong to def open category Which best possible college can i get to pursue computer engineering
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sir i scored exactly 65% IN CLASS 12 isc board and i got my obc ncl certificate after my boards so can i sit for josaa counselling after i qualify my jee mains and advance
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RECOMMENDATION: Since you have 65% in ISC and an OBC-NCL certificate secured post-exams, confirm your board's top 20 percentile status or other eligibility norms for OBC-NCL, then qualify JEE Main and Advanced. With certificate and required cutoffs, you are eligible for JoSAA counseling to secure admission in government engineering institutes under OBC-NCL reservation. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Career
Hello, my daughter is in 12th, she holds US Passport but living in India for over 10 years. Is she eligible for admission in BITS (Engineering) through BITSAT without going through ISA admission process?
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RECOMMENDATION: Your daughter should prepare rigorously for BITSAT to leverage her eligibility and streamline admission through the standard, open BITSAT route. Consider the ISA admission only if SAT scores are available and preferred, or if campus preference and admission flexibility align better with ISA benefits. All the BEST for Your Daughter's Prosperous Future!

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Ravi

Ravi Mittal  |628 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 10, 2025Hindi
Relationship
Dear Ravi, I am a 38 yr old housewife & mother of 1 son who is now 17 yrs old. We are Bengalis but in Pune for the last 12 yrs. About 10 yrs ago I used to regularly pick & drop my son to school then in class 3 , when I met another telegu woman who also used to do the same for his son. They were a close knit business family & sometime her elder jeths son who was then 22-23 yrs old used to come to pick up the kids. Many days I will gossip with him while waiting for the kids. Many a times I used to go to there house to meet his aunt & also talk to him, he was a good man but hardly completed his 10th , had some problems of bad company so his father got him to business. He used to call me aunty & I used to see him as my friends son( being my friend's jeths son). He used to then create problems at home & many a times my friend will ask me to talk to him which I used to do & he used to listen & correct. This gave me a good reputation in his family, this continued for 7-8 yrs before we changed our son's school . We were in touch initially then it became a very occasional call eventually loosing her phone number also. About 3 months back I met my friend in a mall by co-incident & started gossiping I told her of being single now. I enquired about her nephew & told me that they are not able to get a girl for him mainly because of his medical condition he will never be able to become a father, so they are now open for girls with kids. After a few days she called me to there house for a puja which I visited & also met with her family. After 2 days she & her sister in law suddenly came to my place with her jeths son, after an informal talk her jeths son took my son out & they asked me if I will be open to marry him. I am in a delima, I have seen this man always as a friends son& behaved accordingly but can I change my relationship with him to a husband wife. On this my friend she is saying that she is married to her mama as is acceptable in south , she gives her own story that she knew her husband for 20 yrs before marriage proposal & used to even play with him as her mama. It hardly took her time to change the relationship. Many of my friends talk about similar change of relationship. He & his family is very keen on this marriage. Can you help me to first decide if it is possible to change the relationship from friend's son to husband, if yes how to go about. I am also worried that in a few mnth my son will go to hostel for his engg & I will be alone
Ans: Dear Anonymous,
I understand that you fear being alone, but I request you to not make a rushed decision based on that fear. If you feel you will never see this man as anything more than a friend's son, please do not push yourself to marry him. There is no love or romance in this arrangement; at least, not yet. And it seems like they are only pushing it because the guy has a condition. Please do not settle for just anyone because you are worried about being alone. Marriages can be lonely too.

I suggest thinking very thoroughly and clearly before making a decision. This alliance seems advantageous for them, but not so much for you.

Hope this helps.

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Nayagam P

Nayagam P P  |9699 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Career
Sir , my rank is 53362, general category male from west bengal , pls suggest me the best nits and iiits available for my rank in csab counselling. (Preferably cse/ece branch).
Ans: With a JEE Main 2025 General Category rank of 53,362 and West Bengal as your home state, securing Computer Science or Electronics & Communication seats in top NITs through CSAB is highly challenging, as closing ranks, even in CSAB Special Rounds, are typically much lower—major NITs’ CSE and ECE cut-offs last year generally closed below 30,000 to 45,000 for the General category, and West Bengal’s home state advantage provides little relief for CSE/ECE in NIT Durgapur, where closing ranks for CSE and ECE were around 14,500 and 19,000 respectively. For IIITs, most core branches, especially CSE and ECE, also saw closing ranks well below your rank, typically ranging between 15,000 and 35,000 in the special rounds, with only a few non-core branches or less popular IIIT campuses stretching beyond that mark. In the case of GFTIs, while some institutes and branches (particularly non-core engineering streams or newer colleges) have closed near or around 50,000, Computer Science and ECE remain highly competitive, with only certain GFTIs like Assam University, Silchar (CS closed near 45,000), Guru Ghasidas Vishwavidyalaya Bilaspur (ECE sometimes closes to 42,000), or possibly peripheral/newer institutes offering a slim chance. According to the latest cut-off data, there is virtually no 100% sure NIT, IIIT, or GFTI for CSE/ECE at your rank (53,362) for General category in CSAB rounds; options at this threshold tend to be limited to non-core branches or non-flagship/new institutions, both for home and other state quotas.

RECOMMENDATION: At your current JEE Main General category rank, gaining admission in CSE/ECE at any NIT, IIIT, or premier GFTI via CSAB is highly unlikely; however, you can consider participating with lower preference branches or new/less preferred institutes. As an alternative, explore private colleges or other reputed universities for CSE/ECE to maximize your academic and career prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9699 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Career
Hello sir I have just passed 12th with 92.2% and have a score of 89.2 percentile in jee mains .I am interested in btech cse but with this rank i am only getting electronics and computer engg in uiet kuk(KU) . I am now confused whether to pursue this course or switch the college to some private
Ans: Ashlesha, UIET Kurukshetra is a public institution established in 2004, recognized for offering solid engineering programs, including Electronics and Computer Engineering. The department blends electronics fundamentals with contemporary computing, providing students with interdisciplinary exposure and access to experienced faculty and well-equipped labs. However, in terms of placement, the combined Electronics and Computer Engineering branch at UIET records placement percentages ranging from approximately 60% to 80% over recent years, slightly lower than pure Computer Science branches at top private colleges in Northern India. Reviews by current and former students reflect that while UIET offers affordable education, good campus facilities, a disciplined academic environment, and opportunities for projects and technical events, placement opportunities tend to be stronger for CSE and IT branches, often requiring students to put in significant individual effort for top outcomes. Infrastructure is competitive for a state university, and student feedback highlights a supportive faculty but also mentions that core electronics placements are more limited; the bulk of offers arise from IT and service-based recruiters. Curriculum updates and university initiatives are evident, but private colleges often offer more dynamic industry-linkages and exposure, leading to stronger placement records and internship opportunities. Considering these aspects, if you are strictly seeking core CSE knowledge and broader software placement opportunities—and are open to higher tuition—eminent private institutions in Northern India such as Amity University Noida, Thapar Institute of Engineering & Technology Patiala, Jaypee Institute of Information Technology Noida, Galgotias College of Engineering & Technology Greater Noida, and GL Bajaj Institute of Technology & Management Greater Noida are reputed options, each with robust CSE placement records and strong campus-industry interfaces.

RECOMMENDATION: For B.Tech aspirants prioritizing pure CSE and top-tier software placements, joining a reputed private engineering college is generally more advantageous than pursuing Electronics and Computer Engineering at UIET Kurukshetra. However, UIET remains a credible and affordable public alternative if you value government university credentials and are comfortable exploring interdisciplinary roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9699 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Career
ECE in Jaypee Sector 62 Noida or maharaja agrasen (MAIT) Delhi. Naac accreditation is A for both but seems MAIT do not have accreditation for ece deptt. Not worried about fees but want a good college, faculty and studies.
Ans: Komal, Jaypee Institute of Information Technology (JIIT), Noida and Maharaja Agrasen Institute of Technology (MAIT), Delhi both hold NAAC ‘A’ accreditation and are recognized for quality engineering education, but key differences emerge for ECE aspirants. JIIT’s ECE department enjoys full university accreditation and AICTE approval, with a reputable presence in national rankings and a faculty roster largely holding Ph.D. degrees and actively involved in research. Placement rates for JIIT ECE have consistently been strong, with 85–91% placed over the last three years, bolstered by established industry connections and a highly structured placement cell, though recruitment is somewhat stronger for CSE. The infrastructure at JIIT is modern, featuring fully equipped labs, air-conditioned smart classrooms, robust hostel facilities, advanced library resources, and abundant sports and extracurricular amenities. In contrast, MAIT Delhi’s ECE program is NAAC ‘A’ accredited at the institutional level, but direct NBA or program accreditation for ECE is not emphasized. Faculty are generally helpful and blend industry experience with accessible teaching, but feedback on faculty quality is mixed and active research engagement is less highlighted. MAIT’s infrastructure is comprehensive with digital libraries, advanced labs, and diverse amenities; however, placements for ECE hover around 70%, with fewer core companies visiting campus, and the bulk of opportunities skewed towards IT roles. Both institutes offer significant student support and practical exposure, but JIIT’s research emphasis, academic environment, and consistently higher placement record give it an extra edge for students seeking a holistic and future-focused ECE education.

RECOMMENDATION: Jaypee Institute of Information Technology, Noida stands out as the preferable choice for ECE with its robust academic ecosystem, research-oriented faculty, rich campus resources, and consistently superior placement percentages, especially for those prioritizing quality of education and long-term career prospects in electronics and communication engineering. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9699 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Career
My daughter vit chennai cyber security vs JNTU Kakinada CSE which is better
Ans: VIT Chennai’s Cyber Security program presents a focused, industry-relevant curriculum that prepares students for the rapidly growing field of information security, with outcomes targeting both technical depth and organizational application. Placement rates for the cyber security branch have consistently remained high, ranging from 85–90% over the past three years, and the campus is equipped with state-of-the-art infrastructure, specialized labs, and an active industry interface supporting internships and projects. The faculty at VIT Chennai are highly qualified, often with doctoral degrees and ongoing research engagement, ensuring courses reflect updated industry requirements while blending theoretical and hands-on elements effectively. The university’s broad network of recruiters and modern campus culture further enhance student exposure and professional growth. In comparison, JNTU Kakinada’s CSE branch is well-established, with a placement range reported from 65–80% and steady hiring by reputable IT companies, primarily for software roles. JNTU Kakinada boasts a strong core faculty, a rigorously structured syllabus, and significant infrastructure spanning large libraries and multiple labs. However, placements for CSE students, while respectable, are somewhat lower than VIT’s cyber security specialization, and the range of recruiters and campus industry tie-ups is typically narrower. Both institutions have solid academic foundations and offer good learning environments, but VIT Chennai edges ahead in curriculum currency, placement consistency, and industry alignment, particularly in the evolving domain of cyber security.

RECOMMENDATION: VIT Chennai’s Cyber Security program is the preferable choice for students prioritizing placement success, specialized industry-driven curriculum, and modern campus facilities, making it better suited to capitalize on growing cyber security demand. JNTU Kakinada CSE remains a strong, traditional alternative for those seeking a comprehensive software engineering base at a well-recognized state university. All the BEST for a Prosperous Future!

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