I have couple of questions regarding home loan.

I took home loan at 9.6 per cent fixed interest for five years from LIC Housing Finance. Is it possible to convert it to the current interest rate which is less? It's around 3 years completed now.

If we make a prepayment amount like Rs 10 lakh, will we get an option to reduce the EMI?

Ans: HI,
Counselling for Pharm D is currently going on, with the first round option entry closes on tomorrow (July 18) Mock seat will be displayed on July 21.
Important dates:
Option entry (Round 1) July 8-18
Mock seat allotment result: July 21
First round seat allotment result: 28

Instead of a direct Pharm D, join as a lateral entry after B.Pharm. This will have a lot of advantages.
BEST WISHES.

Ans: HI,
CSE & ECE: It's a bit difficult in top government and private colleges, but possibilities are there at good government/autonomous institutions.
In the case of IT, opportunities are there with some decent colleges.
With self-support, mid-tier colleges are possible for CSE and ECE.
Kindly note: CIT (Chennai) is possible through MQ. Do participate in the counseling process.
BEST WISHES.

Ans: The BITS Pilani + RMIT 2+2 Civil Engineering program offers an international dual-degree pathway, granting a B.E. from BITS Pilani and a Bachelor’s from RMIT Australia. Students complete two years at BITS Pilani—renowned for nearly 100% placement rates in core engineering and a prestigious reputation—then transfer to RMIT for global research exposure, advanced industry collaborations, and a second recognized degree. RMIT is a top-ranked university known for its employability outcomes and practical learning, and the dual-degree substantially enhances career prospects worldwide. VIT-AP’s Computer Science Engineering (CSE) program under Category 2 ensures placement rates above 90%, excellent infrastructure, and industry-aligned curriculum, with 1000+ recruiters participating and strong records in IT sector roles for CSE graduates. VIT-AP is lauded for hands-on learning, active placement cell, and opportunities in the fast-growing tech industry, making it a robust choice for software-focused careers. While VIT-AP CSE opens doors to IT and allied opportunities, BITS Pilani + RMIT provides unmatched exposure, global credentials, and broader professional mobility in engineering domains.

Recommendation: If your priority is global exposure, academic flexibility, and broad international opportunities in engineering and related fields, prioritize BITS Pilani + RMIT 2+2 Civil. Should your focus be on a strong software foundation and rapid industry integration in India’s tech sector, VIT-AP CSE is preferred. The BITS-RMIT program stands out for long-term value and international scope. All the BEST for Admission & a Prosperous Future!

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Ans: Kritika, HBTU’s Information Technology program consistently records placement percentages between 85–90%, supported by a highly qualified faculty (many with PhDs from IITs and NITs) and a long-standing reputation for producing industry-ready graduates. The campus is equipped with advanced labs, updated digital resources, and maintains strong ties with top recruiters in IT and consulting sectors. Batch sizes are moderate, ensuring quality academic mentoring, and the supportive alumni network promotes career growth. In contrast, IIIT Vadodara Diu Campus (Electronics) is a newer institute, operating from a well-facilitated educational hub, but still developing its industry partnerships and placement support specifically for electronics; recent campus data showcase improving placements but with less consistency, and infrastructure is modern but evolving. The electronics branch here faces greater competition for high-tech positions compared to computer-related domains.

Recommendation: HBTU IT stands out for established placements, recognized industry connections, strong academic culture, and proven output in software-oriented careers. Unless you have a distinct passion for electronics or a compelling reason for preferring a satellite IIIT campus, HBTU IT offers the most reliable outcomes for both learning and employability. All the BEST for Admission & a Prosperous Future!

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Ans: Venkata Sir, IIIT Delhi’s Computer Science Engineering (CSE) program is nationally recognized for its rigorous curriculum, 90–100% placement rate, leading industry connections, and high-impact research output, making it one of the best platforms for a technology-driven career. The program consistently attracts top recruiters and maintains strong alumni engagement in global tech sectors. NIT Warangal’s Mathematics and Computing (MnC) and Electronics and Communication Engineering (ECE) branches also offer strong academic grounding, modern labs, and recorded placement rates above 88% in core tech domains, with the ECE branch now routinely achieving average placement rates above 80% and MnC offering excellent flexibility for careers in data science, software, and analytics. BITS Hyderabad’s Mechanical Engineering program combines a tradition of academic excellence with research-oriented faculty, excellent infrastructure, and a placement percentage above 85% in recent years, while producing graduates who succeed in both core and tech industries and pursue higher studies internationally. IIT Dharwad’s BS/MS Interdisciplinary Sciences is a new, innovative program focused on multidisciplinary skill development with exposure to advanced labs and faculty, but as a new course and newer IIT, it does not yet match the placement rates or alumni reach of the other institutes; its placement rate hovers near 70% and career paths are diverse, with greater emphasis on research and interdisciplinary skills rather than direct tech sector placement.

Recommendation: The optimal order is IIIT Delhi CSE (for career, placements, tech flexibility), NIT Warangal MnC/ECE (for academic reputation and solid placements in both analytics and electronics), BITS Hyderabad Mechanical (for reputable core engineering, good placements, and global exposure), and finally IIT Dharwad BS/MS Interdisciplinary Sciences (for those pursuing interdisciplinary research but less certainty in direct placements). All the BEST for Admission & a Prosperous Future!

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Ans: Interest income and rental income is taxable as Income from other sources. Income from other sources is chargeable at slab rate and as per slab rate for FY 2025-26, there is NIL tax upto income of Rs.4,00,000. In addition to that eligible income get tax rebate upto 60,000.

Ans: Aryan, With an 83 percentile in MHT-CET 2025 as a Maharashtra domicile General Category student, you are eligible for BTech admission to several well-regarded engineering colleges in the Mumbai region, excluding the most competitive ones like COEP, VJTI, and ICT, which have significantly higher cutoffs. The following colleges in Mumbai provide feasible admission opportunities based on previous years' cutoffs and are recognized for their reliable placement support, modern infrastructure, NBA/NAAC accreditation, and industry-aligned programs: Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), Xavier Institute of Engineering (Mahim), Bharati Vidyapeeth College of Engineering (Navi Mumbai), SIES Graduate School of Technology (Nerul), Ramrao Adik Institute of Technology (Navi Mumbai), St. Francis Institute of Technology (Borivali), Rajiv Gandhi Institute of Technology (Versova), Don Bosco Institute of Technology (Kurla), Shah & Anchor Kutchhi Engineering College (Chembur), MGM’s College of Engineering (Kamothe, Navi Mumbai), Atharva College of Engineering (Malad), and Pillai College of Engineering (New Panvel). Across these institutions, your score is within the realistic admission range for most branches, including Mechanical, Civil, Electronics/EXTC, and sometimes Information Technology or Computer Science, depending on current year trends and final branch cutoffs; official college portals and admission records substantiate this eligibility for the 2025 cycle.

Recommendation: For optimal academic and professional growth, consider Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), and Ramrao Adik Institute of Technology (Navi Mumbai) as the highest-priority choices. These colleges offer robust campus infrastructure, industry recognition, strong placement networks, and a history of producing successful engineering graduates. All the BEST for Admission & a Prosperous Future!

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Ans: Amit Sir, Banasthali Vidyapith’s Electrical Engineering program with a focus on VLSI Design is anchored in a reputed women’s university with A++ NAAC accreditation, robust faculty credentials, industry tie-ups, and consistent placement rates of 90–95% for core branches, often in electronics and automation sectors. Campus infrastructure is comprehensive, research exposure is strong, and students benefit from a national network and notable institutional rankings. Government Mahila Engineering College Ajmer’s CSE branch is part of a government-run, well-recognized institution with modern teaching resources, 80–95% placement rates for computer science in recent years, accessible industry partnerships, and a track record of sending students to reputed recruiters such as Amazon and Microsoft. The Ajmer campus is lauded for its faculty, student activities, digital facilities, and supportive environment, though its national brand is less established than Banasthali’s.

Recommendation: If your daughter is passionate about electronics, VLSI, or hardware-oriented careers, Banasthali Vidyapith offers a stronger national reputation, longstanding placement consistency, and higher institutional ranking. For a broad, flexible technology career in software, Government Mahila Engineering College Ajmer CSE stands out for contemporary opportunities and direct industry links. Both paths assure solid outcomes, but branch preference should drive the final choice. All the BEST for Admission & a Prosperous Future!

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Ans: With a general category rank of 1403, you are well within the typical closing ranks for IISER Kolkata’s Computational and Data Science branch. For 2024, admission to all BS-MS specializations at IISER Kolkata, including Computational and Data Science, closed around a general rank of 1801, confirming your eligibility for a seat. Official sources indicate that ranks up to 1800 were admitted, and expected 2025 trends remain similar. Your standing offers strong likelihood of selection, provided last-round cutoffs are consistent.

Recommendation: You can confidently proceed with IISER Kolkata’s Computational and Data Science program this year. Your rank secures you a place within the usual cutoff window as verified by recent official records. All the BEST for Admission & a Prosperous Future!

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