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Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 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 - May 13, 2024Hindi
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I have a current corpus of 2.25 cr. I am 46 yo working having my own business. My yearly SIP is 40 lacs. I have no loan. I want to retire at the age of 65 years. How much corpus will i'll be able to achieve with same SIP taking inflation and 10 to 12% return ?

Ans: Estimating Future Corpus: Projecting Retirement Savings Growth
Your proactive approach towards retirement planning, coupled with a substantial current corpus and significant yearly SIP contributions, sets a strong foundation for achieving your retirement goals. Let's project the potential corpus you could accumulate by the age of 65, considering inflation and expected returns.

Current Financial Situation
Substantial Current Corpus: Your existing corpus of 2.25 crores provides a solid base for wealth accumulation, demonstrating prudent financial management and planning.

Significant Yearly SIP: A yearly SIP of 40 lakhs reflects your commitment to long-term wealth creation and retirement preparedness.

Projecting Future Corpus
Inflation Consideration: Accounting for inflation is essential to ensure your retirement corpus maintains its purchasing power over time. Assuming an average inflation rate of 6-7% annually is prudent.

Expected Returns: With a diversified investment portfolio and an investment horizon of 19 years until retirement, aiming for an average annual return of 10-12% is reasonable, considering historical market performance.

Compounding Effect: The power of compounding amplifies the growth potential of your investments over time, especially with consistent SIP contributions and favorable market conditions.

Estimating Future Corpus
Using a retirement calculator or financial projection tool, we can estimate the potential corpus you could accumulate by the age of 65 based on your current SIP contributions, expected returns, and inflation rate.

Conclusion
By diligently contributing to your SIPs and leveraging the power of compounding, you have the potential to achieve a substantial retirement corpus by the age of 65. Regularly reviewing your investment strategy, adjusting for changing market conditions, and staying disciplined in your savings habits will further enhance your financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
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  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 07, 2024Hindi
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Hi I am 34 years old and earning 3 lacs per month. Currently I have a corpus of about 75 lacs in MF. And I have been doing SIP from last 7 years. Now my month SIP is about 1.8 lacs per month. I want to retire by 45. How much corpus would I have if I continue to save the same amount for next 10 - 11 yrs. Also, please help me to understand that how much corpus do I need to make. For monthly income of 2 lacs from my corpus or saving
Ans: Assessing Retirement Corpus Growth
Current Investment Scenario
Your disciplined approach to SIP investments has contributed to building a substantial corpus over the past seven years.

Projecting Future Corpus Growth
Continuing your monthly SIP of 1.8 lakhs for the next 10-11 years can potentially result in significant wealth accumulation due to the power of compounding.

Estimating Future Corpus
By projecting the expected returns based on historical performance and assuming a conservative growth rate, we can estimate the potential corpus you may accumulate by the time you retire at 45.

Understanding Retirement Income Needs
To determine the corpus needed for generating a monthly income of 2 lakhs post-retirement, we must consider factors such as inflation, lifestyle preferences, and other financial obligations.

Calculating Required Corpus
Using conservative estimates for inflation and investment returns, we can calculate the corpus required to generate a monthly income of 2 lakhs, ensuring financial security and maintaining your desired lifestyle.

Conducting Retirement Gap Analysis
Comparing the projected corpus from your SIP investments with the required corpus for generating the desired monthly income will help identify any potential shortfall and enable strategic planning to bridge the gap.

Recommendations for Retirement Planning
Optimize Investment Strategy: Consider diversifying your investment portfolio to mitigate risk and maximize returns, ensuring sustainable wealth accumulation over the long term.

Increase SIP Contributions: Evaluate the possibility of gradually increasing your SIP contributions to accelerate corpus growth and achieve your retirement goals more efficiently.

Review Retirement Goals: Regularly review your retirement goals and adjust your investment strategy as needed to align with evolving financial objectives and life circumstances.

Explore Supplementary Income Sources: Explore additional avenues for passive income generation, such as rental properties, dividend-paying stocks, or alternative investment options, to supplement your retirement corpus and enhance financial security.

Conclusion
By maintaining a disciplined approach to savings and investments and periodically reassessing your retirement goals and investment strategy, you can maximize the potential of achieving financial independence and securing a comfortable retirement lifestyle. It's essential to seek professional guidance and stay committed to your long-term financial objectives to ensure a smooth transition into retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 10, 2024Hindi
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Hi, I am 47 years old. I have a corpus of about 3.4Cr of which about 1.5Cr is in equities(Mostly large cap) & ETFs and rest is FD and PF. Apart from this, I have about Rs 72000 rental income. I have a term insurance and family medical insurance. I need to work for atleast another 3 years to cover my elder son's education and need a corpus for my 14 yrs old daughter's education of say about 50L. I can invest around 2L per month in SIPs. Given all this, how much more retirement corpus I need to have a regular monthly income of 2L? Thanks for replying.
Ans: It's great to see you've built a substantial corpus and are planning for your future financial needs. Let's analyze your situation and determine the steps needed to achieve your goals.

Current Financial Status
Corpus Allocation
Your corpus of ?3.4 crore, with a significant portion in equities, FDs, and PF, reflects a diversified investment approach.

Additional Income
The rental income of ?72,000 per annum provides an additional source of cash flow, contributing to your overall financial stability.

Future Financial Goals
Education Expenses
You have identified the need for ?50 lakh for your daughter's education in 14 years and have committed to investing ?2 lakh per month in SIPs to achieve this goal.

Retirement Planning
To secure a regular monthly income of ?2 lakh post-retirement, we need to calculate the additional retirement corpus required.

Retirement Corpus Calculation
Desired Monthly Income
A monthly income of ?2 lakh translates to an annual income of ?24 lakh post-retirement.

Withdrawal Rate
Assuming a conservative withdrawal rate of 5-6% from the retirement corpus, we can estimate the required corpus as follows:

?24,00,000 / 0.05 = ?4.8 crore
?24,00,000 / 0.06 = ?4 crore

Gap Analysis
Current Retirement Corpus
Your current corpus of ?3.4 crore is significant but falls short of the required retirement corpus.

Additional Savings
To bridge the gap, you may consider increasing your monthly SIP contributions or exploring other investment avenues that offer potential for higher returns.

Asset Allocation
Review your asset allocation to ensure it aligns with your risk tolerance and investment goals, especially considering the need for regular income post-retirement.

Conclusion
While you have made commendable progress towards your financial goals, there is a need to augment your retirement corpus to secure a regular monthly income of ?2 lakh post-retirement. By reassessing your investment strategy, increasing your savings rate, and exploring suitable investment options, you can work towards achieving financial independence and ensuring a comfortable retirement.

If you require further assistance or personalized advice, feel free to reach out. I'm here to support you in navigating your financial journey and achieving your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

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

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Hello Sir , I am 32 years of age with no liabilities . I have my own home and office . I have invested 20 lacs in NSC , 19 lacs in share market , 20lacs in PPF , 25 in FDR , 1 lacs in MFI have a monthly expenditure of 1 lacs approx . I can save around 1 lacs per month . I want to retire by 50 . How much corpus should I make ?
Ans: At 32, you have a solid foundation with no liabilities, a home, and an office. With Rs. 20 lakhs in NSC, Rs. 19 lakhs in the share market, Rs. 20 lakhs in PPF, Rs. 25 lakhs in FDR, and Rs. 1 lakh in MFI, you’re on the right track. Your monthly expenditure is Rs. 1 lakh, and you can save Rs. 1 lakh monthly. Now, let's create a plan to help you retire by 50 with a comfortable corpus.

Understanding Your Financial Situation
Current Investments:

NSC: Rs. 20 lakhs
Share Market: Rs. 19 lakhs
PPF: Rs. 20 lakhs
FDR: Rs. 25 lakhs
MFI: Rs. 1 lakh
Monthly Savings:

Expenditure: Rs. 1 lakh
Savings: Rs. 1 lakh
Setting Retirement Goals
To retire by 50, you need a significant corpus to sustain your lifestyle. Here's how to determine your target corpus:

1. Estimate Retirement Expenses:

Your current monthly expenditure is Rs. 1 lakh. Considering inflation, expenses will rise over time. Let's assume an inflation rate of 6% per annum.

2. Duration of Retirement:

If you retire at 50 and live till 80, you need funds for 30 years.

3. Calculate Retirement Corpus:

We need to account for inflation-adjusted expenses and potential investment returns. A rough estimate suggests you might need around Rs. 10-12 crores.

Building Your Retirement Corpus
1. Maximize Existing Investments:

NSC: National Savings Certificate (NSC) offers fixed returns and is a safe investment. However, it lacks the potential for high growth.

Share Market: Your Rs. 19 lakhs in the share market can grow significantly if well-managed. Diversify your portfolio to balance risk and return.

PPF: Public Provident Fund (PPF) is excellent for tax-free, safe returns. Continue investing here for stable growth.

FDR: Fixed Deposit Receipts (FDR) provide security but lower returns. Consider shifting some funds to higher-yield investments.

MFI: Microfinance Institution (MFI) investments can be risky. Monitor closely and consider reallocating if needed.

2. Start SIPs in Mutual Funds:

Systematic Investment Plans (SIPs) in mutual funds are ideal for long-term wealth creation. Here’s why:

Disciplined Investing: SIPs ensure regular investments.
Rupee Cost Averaging: Invests across market cycles, reducing risk.
Compounding: Reinvested returns generate more returns.
Diversification: Spreads risk across various sectors.
Choosing the Right Mutual Funds:

Equity Funds: High returns, suitable for long-term goals. Invest 60-70% in diversified equity funds.
Debt Funds: Lower risk, stable returns. Invest 20-30% for stability.
Hybrid Funds: Mix of equity and debt. Invest 10-20% for balanced growth.
3. Regularly Review and Rebalance:

Monitor your investments to ensure they align with your goals. Review annually and rebalance if necessary to maintain your desired risk level.

Tax Planning
1. ELSS Funds: Equity-Linked Savings Scheme (ELSS) offers tax benefits under Section 80C. Continue or start investing for dual benefits of tax saving and equity growth.

2. PPF: Continue your PPF investments for tax-free, stable returns.

3. Other Instruments: Explore NPS and other tax-saving instruments to optimize your tax liability.

Insurance Planning
1. Life Insurance: Ensure adequate life insurance to cover liabilities and provide for dependents.

2. Health Insurance: Comprehensive health insurance is crucial to cover medical expenses and safeguard savings.

Education and Contingency Planning
1. Education Fund: If you plan to have children, start an education fund early. Consider child-specific mutual funds or a mix of equity and debt funds.

2. Emergency Fund: Maintain an emergency fund covering 6-12 months of expenses. Keep it in liquid funds or savings accounts for easy access.

Final Insights
Achieving a secure retirement requires disciplined planning and smart investing. Here’s a summary of your action plan:

Action Plan Summary:
1. Evaluate Current Investments: Review NSC, share market, PPF, FDR, and MFI investments.

2. Start SIPs: Invest Rs. 1 lakh monthly in a mix of equity, debt, and hybrid funds.

3. Maximize Tax Benefits: Utilize ELSS, PPF, and other tax-saving instruments.

4. Ensure Insurance Coverage: Adequate life and health insurance.

5. Build Education and Emergency Funds: Separate funds for children’s education and emergencies.

6. Regular Review: Annually review and rebalance your portfolio.

By following this comprehensive plan, you can build a robust retirement corpus and ensure a secure financial future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

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

Asked by Anonymous - Sep 09, 2024Hindi
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Hi sir, I have net salary of 2.7L per month and am 46 year old with 2 children aged 12 and 6. I have a EPF+PPF corpus of 65 lakhs , NPS 5 lakhs, 1CR in MF portfolio, invest 50k monthly (Which is on Hold currently) in MF SIPs. I own a house 65L(loan free) & another house 2CR have outstanding loans of 1CR. I have family floater medical insurance with 20L coverage and life cover for 1Cr. I wish to retire by age of 55 - pls advise how much corpus do I need at hand to retire. Consider my monthly expense as 1L
Ans: You are 46 years old with a net salary of Rs. 2.7 lakh per month. You have two children, aged 12 and 6, and a current corpus of Rs. 65 lakh in EPF and PPF, Rs. 5 lakh in NPS, and Rs. 1 crore in your mutual fund portfolio. Additionally, you own two properties, one valued at Rs. 65 lakh (loan-free) and another valued at Rs. 2 crore, with an outstanding loan of Rs. 1 crore. Your current monthly expenses are Rs. 1 lakh, and you have paused your monthly SIP of Rs. 50,000. You also hold a life insurance cover worth Rs. 1 crore and a family floater medical insurance with Rs. 20 lakh coverage.

You plan to retire by the age of 55, which gives you approximately nine years to build a sufficient corpus. Let's explore how much you need to comfortably retire while sustaining your current lifestyle.

Estimating Your Retirement Corpus
To determine your retirement corpus, we need to consider several factors:

Current monthly expenses: Rs. 1 lakh
Retirement age: 55
Post-retirement years: Assuming life expectancy of 85 years, you need to plan for 30 years post-retirement.
Inflation rate: An assumed inflation rate of 6% per year is a reasonable estimate for the future.
Growth rate of investments: Typically, diversified equity mutual funds have delivered around 10-12% returns over the long term.
Based on these factors, your current monthly expenses will increase due to inflation, and you need a corpus that generates enough to cover these rising costs. Since your expenses are Rs. 1 lakh today, they could double or triple over time. Your corpus should be able to sustain this without depleting prematurely.

Breakup of Current Assets
EPF & PPF (Rs. 65 lakh): These are stable, low-risk assets that will help you post-retirement but won't generate high returns.

NPS (Rs. 5 lakh): Provides tax benefits and is specifically designed for retirement savings. It will grow over time but is not highly flexible for withdrawals until retirement age.

Mutual Funds (Rs. 1 crore): This is an excellent foundation for your retirement plan. Equity mutual funds, in particular, have the potential to grow at a faster rate and combat inflation.

Real Estate (Rs. 65 lakh + Rs. 2 crore): While real estate holds value, its liquidity is limited. The house you live in does not contribute to your retirement corpus unless you plan to downsize. The second house has a loan of Rs. 1 crore, and the EMIs for this property must be factored into your pre-retirement cash flows.

Life Insurance (Rs. 1 crore): While it’s important for your family’s protection, this doesn’t contribute to your retirement corpus.

Estimating Your Future Monthly Expenses
Your current monthly expense is Rs. 1 lakh, but due to inflation, this figure will increase. Let’s assume the inflation rate remains at 6%. By the time you retire at 55, your monthly expenses will likely double or triple, reaching anywhere between Rs. 1.7 lakh to Rs. 2 lakh per month. Your retirement corpus should be large enough to generate this amount without running out of funds.

In addition, you’ll have to account for:

Healthcare costs: As you age, medical expenses tend to rise. Even though you have Rs. 20 lakh family floater insurance, post-retirement medical costs not covered by insurance should be factored in.

Educational expenses: Your children’s education could be a significant expense over the next 10 to 15 years.

Corpus Required for Comfortable Retirement
To maintain your current lifestyle, you would need a corpus that generates at least Rs. 2 lakh per month during retirement. Based on a withdrawal rate of 4%, which is commonly used to ensure the corpus lasts for the entirety of your retirement, you’ll need a retirement corpus of approximately Rs. 6 to 7 crore.

This corpus will ensure that you can comfortably cover your rising living expenses, healthcare, and other unforeseen costs without depleting your savings.

Recommendations to Achieve the Corpus
Here’s a detailed plan to help you achieve your target of Rs. 6 to 7 crore before retirement:

1. Resume Your SIP Investments
Restart your monthly SIP of Rs. 50,000 immediately. This is crucial, as equity mutual funds can provide the high returns needed to meet your retirement goal.

Consider increasing your SIP contribution each year in line with salary increments. This will accelerate your corpus growth and help you fight inflation more effectively.

2. Focus on Equity Mutual Funds
Given your long-term horizon (9 years until retirement), equity mutual funds remain the best investment option to grow your wealth. These funds have historically provided higher returns (10-12% CAGR), which will be essential for building your retirement corpus.

Ensure your portfolio is diversified across large-cap, mid-cap, and multi-cap mutual funds for balanced growth and risk.

3. Debt Repayment Strategy
You currently have an outstanding home loan of Rs. 1 crore. It’s advisable to clear this debt as early as possible. Carrying such a large debt into retirement can strain your finances.

Use a portion of your liquid assets, such as your mutual fund corpus or any bonuses, to reduce the loan burden gradually. This will free up cash flow and allow you to focus more on building your retirement fund.

4. Maximize Your EPF & PPF Contributions
Continue contributing to your EPF and PPF accounts. While the returns from these are modest, they are low-risk and provide tax-free returns, making them ideal for post-retirement stability.

As PPF matures, consider reinvesting the proceeds into equity mutual funds to capitalize on higher returns.

5. Increase Contributions to NPS
Your NPS balance is currently Rs. 5 lakh. Increase your contributions to this as it provides excellent tax benefits and is tailored for retirement.

NPS is also one of the few products where withdrawals are partially tax-free. Increasing contributions now will give you a more substantial corpus in the future.

6. Prioritize Children’s Education
Plan separately for your children’s education expenses. You might want to use specific child education funds or a combination of mutual funds for this.

Avoid dipping into your retirement savings for education purposes. Set clear boundaries between these two financial goals.

Final Insights
At 46, you are well-positioned financially, but pausing your SIP investments and holding onto a large loan could hinder your retirement plans. Restart your investments and focus on paying off your loan as soon as possible. By maintaining discipline and increasing your contributions to SIPs, NPS, and PPF, you should comfortably achieve your retirement corpus of Rs. 6 to 7 crore. Prioritize growth-oriented investments like equity mutual funds, and continue evaluating your portfolio annually to ensure it aligns with your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

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

Asked by Anonymous - Nov 15, 2024Hindi
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Sir, Im 54 yrs, present monthly take home pay in hand of Rs.2.5Lacs after all I.Tax etc. deductions. Car EMI till Dec 2026 to be paid will be Rs.5000 per month. Have Health Insurance cover for 25 lacs, Term Insurance for Rs.2Crores but no Life Insurance cover. Monthly SIP is Rs.1Lac. Had made a lump-sum investment of Rs.55Lacs in Mutual Fund which is now valued around Rs.75Lacs. I'm not able to save anything beyond this due to family responsibilities and have to start repaying my son's education loan of Rs.20Lacs which would commence after 2.5 years (as he is studying now). Can you please let me know how much of corpus I might have at the time of my retirement if I continue to work till the age of 58years? Regards
Ans: Based on the information you’ve shared, let us assess your situation and provide insights into your potential retirement corpus.

Current Financial Position
Take-home salary: Rs. 2.5 Lacs per month
Car EMI: Rs. 5,000 per month (ending Dec 2026)
Health insurance: Rs. 25 Lacs
Term insurance: Rs. 2 Crores
Monthly SIP: Rs. 1 Lac
Lump-sum investment in mutual funds: Rs. 75 Lacs (current value)
Education loan repayment: Rs. 20 Lacs starting after 2.5 years
Retirement age: 58 years (4 years from now)
Assumptions for Projection
Your SIP of Rs. 1 Lac per month continues until retirement.
Your lump-sum mutual fund investment grows at an assumed annual rate of 10%.
Monthly SIP investments grow at an assumed annual rate of 10%.
Education loan repayment starts in 2.5 years. Let’s consider this doesn’t disrupt your SIPs.
Estimated Retirement Corpus
1. Growth of Existing Lump-Sum Investment
Current value: Rs. 75 Lacs
Growth for 4 years at 10%: Approximately Rs. 1.1 Crores
2. Future Value of Monthly SIPs
SIP: Rs. 1 Lac per month
Duration: 48 months (4 years)
Growth at 10%: Approximately Rs. 63 Lacs
Total Corpus at Retirement
Lump-sum mutual fund value: Rs. 1.1 Crores
SIP investments: Rs. 63 Lacs
Total corpus: Rs. 1.73 Crores
Recommendations
Education Loan Repayment: The repayment may require adjustments in your budget. Consider partial withdrawals or rebalancing investments if necessary to avoid disrupting your SIPs.
Increasing Savings: Once your car loan ends in 2026, channel the Rs. 5,000 EMI into SIPs to further enhance your corpus.
Financial Review: Regularly review your investments and retirement goals with a Certified Financial Planner to ensure alignment with market conditions.
Final Insights
If your investments grow at an average rate of 10%, you may have a retirement corpus of approximately Rs. 1.73 Crores by age 58. Focus on maintaining your SIP contributions and ensuring liquidity to manage upcoming education loan repayments effectively.

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  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
SO dear sir continuing the same question "Differnce between CE and CSE" which should i choose CE at Shri Vishwakarma Skill University or CSE At IKGPTU MOHALI
Ans: Ansh, Based on the following insights/information, your interests & long-term goals, choose the more suitable option for you: Computer Engineering at Shri Vishwakarma Skill University (SVSU), Haryana, is designed with an industry-integrated curriculum emphasizing practical, skill-based learning, offering hands-on experience in AI, data science, cybersecurity, and cloud computing. SVSU follows a dual-education model inspired by the German system, where students actively engage with industry partners through on-the-job training and real-world projects, enhancing employability. The university boasts state-of-the-art infrastructure and expert faculty, but being a newer state university, its placement outcomes are growing, with placement rates reported up to 81% and median salaries between ?1.9–2.2L in recent years, predominantly in regional and emerging IT sectors. IKGPTU Mohali, meanwhile, provides a traditional B.Tech CSE program with dedicated specializations and larger intakes, supported by well-qualified faculty, ICT-enabled classrooms, and strong academic-industry linkages in Punjab’s prominent IT hub. Placement records at IKGPTU Mohali indicate 44% placement for B.Tech 2023 graduates and a median package of ?5L, with recruiters like TCS, Infosys, and HDFC Bank regularly conducting drives. The Mohali campus is centrally located with robust infrastructure, reputed alumni, and career support through joint campus placement drives and specialized training programs.

CSE at IKGPTU Mohali is the preferred option for its higher placement rate, better industry connectivity, advanced infrastructure, and stronger reputation within the IT sector, making it a more reliable pathway to robust career opportunities in computer science compared to SVSU Computer Engineering. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir,Still Not got answer .Please answer .My JEE Main rank is 24935 .I have also chance to get dual degree in BITSAT .How is dual degree of BITSAT ?whether it is apt to join in anticipation of getting CS or EC there afterwards .I have other option to get top Branches through JEE Main Marks .Viz; BIT Mesra ,IIITs ,Lower NITs
Ans: The BITSAT dual degree program, offered mainly at BITS Pilani and Goa campuses, is a five-year integrated course that awards both an MSc and a BE degree. The unique feature is that students admitted to MSc programs can “slide” into sought-after BE branches—including CSE (Computer Science) and ECE (Electronics & Communication)—after the first year, subject to branch change rules based on cumulative CGPA. Historically, a high CGPA (typically above 8.0–8.5) in the first two semesters is required for a successful transfer into BE CSE or ECE, making it competitive but attainable for focused, hard-working students. Dual degree holders benefit from rigorous interdisciplinary training and robust placement support, with BITS Pilani consistently recording strong placement percentages for both BE and dual degree graduates in top tech firms and core sectors. The key challenge is heavy academic load, especially during the third and fourth years, balancing requirements of both degrees, and maintaining high grades to ensure preferred branch allocation. However, dualites enjoy the flexibility to specialize further, and their exposure to science and engineering enhances employability compared to many single-degree peers. In contrast, top branches at BIT Mesra, IIITs (like IIIT Hyderabad or Bangalore), and lower NITs offer well-established BTech programs with high placement rates (around 75% for CSE at BIT Mesra, many IIITs exceeding 80–90%, and most NITs/IIITs providing reliable industry linkages, alumni networks, and diverse placements). Cutoffs for core branches like CSE or ECE at these institutes usually hover around your JEE rank, so you stand a realistic chance of securing a seat. BIT Mesra and leading IIITs provide excellent campus life, updated infrastructure, research opportunities, and corporate visibility, with direct entry into CSE or allied branches.

Recommendation
In order of preference, BITS Pilani or Goa dual degree (if you are committed to keeping a high CGPA for CSE/ECE branch change) is an outstanding choice due to brand value, academic freedom, and placement support. However, if you prefer a straightforward path with less risk, top IIITs and BIT Mesra’s CSE or ECE, followed by good NITs, are excellent for quality education and career growth. Choose BITS dual degree only if confident of excelling academically early; otherwise, a direct CSE/ECE seat from your JEE Main rank is the prudent path. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
Sir I didn't get any seat in the comedk 1st round allotment as I needed cse courses and the east point college cse with data science cutoff was 67k this round and my rank is 69k should I wait for round 2 and please suggest me some colleges for cse courses which I will get in round 2 please help
Ans: With a COMEDK rank of 69,000, it’s normal not to secure CSE seats in the first allotment at colleges like East Point College, as their first-round cutoff for CSE with Data Science closed near 67,000. In Round 2, cutoffs for several Bengaluru engineering colleges offering CSE tend to rise, and historical trends show that ranks up to 70,000–72,000 can secure seats in reputable options due to seat withdrawals and reduced demand. The key aspects to focus on are placement performance, faculty strength, campus infrastructure, peer learning opportunity, and degree reputation. For your rank, confirmed CSE admission options in Bengaluru include: East West College of Engineering (Yelahanka), East West Institute of Technology (BEL Layout), Brindavan College of Engineering (Yelahanka), Sri Sairam College of Engineering (Anekal), Gopalan College of Engineering and Management (Whitefield), Cambridge Institute of Technology (KR Puram), Rajiv Gandhi Institute of Technology (RT Nagar), Vemana Institute of Technology (Koramangala), Jyothy Institute of Technology (Thathaguni), and Sri Venkateshwara College of Engineering (KIAL Road). These colleges have consistently extended their CSE cutoffs beyond 67,000 in recent years. Many of these institutes are NAAC-accredited, offer contemporary labs and digital classrooms, and are staffed with experienced faculty. Placement cells are active—ranging from regular tech recruiters to mid-sized IT firms—and campus resources support both academic growth and personality development.

For the placement records over the last three years: East West College of Engineering and East West Institute of Technology maintain CSE placement rates of 70–80% with regular visits from Infosys, Tech Mahindra, and Accenture. Brindavan College of Engineering and Sri Sairam College have recorded similar trends, achieving nearly 75% placement for eligible CSE students with core IT and startup offers. Gopalan and Cambridge Institutes average 65–78% placements, reporting improving statistics each year, especially as Bangalore’s tech sector draws more hiring for software, testing, and data roles. Vemana, Jyothy, and Sri Venkateshwara regularly reach 60–75% success for CSE, with alumni placed in both IT services and product companies. Rajiv Gandhi Institute and Sri Venkateshwara have industry collaborations for internships and hackathons, often supporting projects that attract on-campus job offers. Across these colleges, CSE batches benefit from curricular exposure to Python, Java, basic ML, and web development. Many colleges encourage national-level coding competitions and certifications, directly enhancing employability.

You can confidently wait for Round 2, as you have a very high chance of securing CSE at one of these institutes due to expected cutoff movement, especially after withdrawals. While getting a significantly better college than East Point in Round 2 is unlikely, similar or equivalent choices—such as East West Institute or Brindavan—are assured, and all deliver solid foundational opportunities for a CSE career. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir.. My daughter wants clarity from you for B tech cse admission with what specialisation of AI or Quantum computing? Please clarify sir
Ans: B.Tech CSE with a specialization in Artificial Intelligence (AI) equips students with advanced skills in machine learning, neural networks, data analytics, computer vision, robotics, and natural language processing, making them industry-ready for immediate roles in automation, healthcare, fintech, cybersecurity, smart cities, and data science. The AI job market is expanding at an unprecedented rate—India’s AI sector is projected to grow 25–35% annually and reach ?17 billion by 2027, with global AI markets anticipated to hit $1.81 trillion by 2030, ensuring robust demand for AI engineers, ML researchers, and data scientists. Curricula typically blend foundational computing with project-based learning on intelligent systems, AI-powered automation, behavior modeling, and industry-focused electives, using tools like Python, TensorFlow, and Keras. Opportunities span established companies and fast-growing startups, and placements are consistently strong across sectors from IT, banking, healthcare, and manufacturing to next-gen product development and research.

B.Tech CSE with a specialization in Quantum Computing, while more niche, addresses the emerging need for advanced computational solutions far beyond classical computing's limits. This specialization combines quantum mechanics, quantum algorithms, and AI, preparing students for research and innovation roles in quantum information, cryptography, drug discovery, materials science, finance, and complex optimization problems. With the backing of the National Quantum Mission and increased investment in quantum research, these programs feature industry-relevant electives—like quantum machine learning, quantum image processing, quantum AI integration—and practical training in tools such as IBM Qiskit and TensorFlow Quantum. While the quantum job market is in its early stages, prominent technology companies and startups, governments, and research labs globally are investing heavily in quantum R&D. The field, projected to reach $9 billion by 2030, demands interdisciplinary skills, often favoring those who pursue further studies. Placement opportunities span specialized sectors and research positions; academics and R&D centers offer the majority of roles, but quantum-driven innovation is expected to accelerate, especially as fault-tolerant quantum computers approach practicality within the next decade.

Choosing between these two depends on one’s vision and risk appetite. AI specializations provide immediate employability, broad cross-industry applications, and a versatile foundation—graduates can upskill further into emerging domains, including quantum AI. Quantum Computing, though frontier and high-potential, currently offers fewer but rapidly expanding opportunities, especially for those drawn to research, innovation, or pioneering new commercial applications. Both offer transformative and well-recognized career trajectories, but AI’s market-readiness and cross-domain application make it more accessible and mainstream, while quantum computing is future-oriented and better suited for those deeply interested in cutting-edge theoretical and computational science.

Recommendation
Given the mature scope, immediate job opportunities, higher employability, and universal demand, specializing in Artificial Intelligence in CSE is the balanced choice for most students. Quantum Computing is excellent for those committed to advanced research or niche innovation, but AI specialization assures broader industry acceptance and future-proof skills in today’s competitive technology environment. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
My EWS rank in jee main is 15000,my homestate and town is odisha, rourkela can I get artificial intelligence branch in csab special rounds
Ans: Subhojeet, With an EWS category rank of 15,000 in JEE Main and Odisha as your home state, the likelihood of securing an Artificial Intelligence branch in NITs, IIITs, or GFTIs via CSAB special rounds is extremely limited. Recent official CSAB and JoSAA data indicate that even for newer or less sought-after NITs and IIITs, closing ranks for Artificial Intelligence courses under the EWS home state and open state quotas rarely exceed 7,000–8,000, while top institutes such as NIT Rourkela and NIT Surathkal typically close EWS admissions for AI branches well below 4,000. IIITs offering specialized AI or AI & Data Science branches generally have EWS closing ranks (for both All India and Home State) under 12,000, with only a few, very new IIITs extending to the 14,000 range, mostly for less competitive streams or in later rounds if vacancies arise. For Odisha-specific institutions, like IIIT Bhubaneswar, EWS closing ranks for CSE and related AI programs have typically remained significantly more competitive, according to prior CSAB/JoSAA records. GFTIs, which have broader and higher cutoffs in select branches, still draw the line for EWS AI admission well below your current rank. Although the CSAB special rounds can see some movement due to seat withdrawals, the chances of an EWS AI seat opening up at your rank are extremely remote based on present and previous year cut-offs, especially for the Artificial Intelligence specialization in reputable NITs and IIITs.

Recommendation
With a 15,000 EWS rank, realistically focus your CSAB choice filling on other branches and backup options, as Artificial Intelligence in NITs/IIITs is not feasible; prioritize alternate circuits like ECE or core CSE in less competitive institutes or good private universities for best outcomes. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir I have got 115000 crl and 4715 sc rank in jee mains. I got cse in IIIT bhopal in josaa counselling . Can I expect a little better college with cse or ai in csab counselling or should I go with IIIT bhopal.
Ans: With a JEE Main CRL of 115,000 and an SC rank of 4,715, your allocation of CSE at IIIT Bhopal is a strong option, as last year’s CSAB and JoSAA special rounds indicate that most higher-ranked IIITs and NITs with CSE or AI typically closed at SC ranks below 3,000–4,000 for these highly demanded branches. IIIT Bhopal’s CSE program offers robust academic structure, experienced faculty, modern facilities, and a rising placement record—CSE students achieved a 77% placement rate in 2025 with an average package of 20.82LPA and top recruiters including Microsoft and Atlassian. CSAB special rounds rarely witness significant downward opening in closing ranks for CSE/AI in NITs, IIITs, or GFTIs, especially for centrally popular branches, so expecting a substantial upgrade is not realistic. IIIT Bhopal’s national ranking, strong peer group, and modern infrastructure provide a conducive environment for learning and employability, and its placement statistics are among the best among newer IIITs.

Recommendation
Go ahead and confirm your IIIT Bhopal CSE seat, as the likelihood of securing a visibly better CSE/AI seat at other NITs or IIITs in CSAB is minimal at your SC rank. IIIT Bhopal combines excellent academic and placement opportunities and is a prudent, future-focused choice for engineering in computer science. All the BEST for a Prosperous Future!

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