Hi Sir, I am currently working in PSB in the Middle management group and investing in different investment options to achieve the goal of financial freedom. I have one 6 years old daughter and want to accumulate a fund of 2.5 Cr for her education and marriage also. I am investing the monthly amount in below mentioned categories: A) Traditional: 1) Sukanya Sammaridhi account: 2K 2) PPF: 1K B) Market Linked: 1) DSP Small cap fund: 3K 2) SBI magnum Mid Cap Fund: 2 K 3) HDFC Mid Cap opportunities Fund: 3 K 4) Aditya Birla SL Pure value fund Reg (G): 1K 5) Mirae Asset Large & Midcap Fund Reg (G): 2 K 6) Canara Robeco Emerging Equities Reg (G): 3K 7) 3-4 K in share purchase for long term investment. I want to keep investing in MFs for the next 25 years with an annual increment in monthly investment figures as per the capability. Kindly advise me about these funds and share your suggestions to achieve my dream. Awaiting your reply. Regards, Bhuvneshwar.

Ans: Symbiosis Institute of Technology (SIT) Pune demonstrates strong CSE placement performance with 93% placement rate for Computer Science and Engineering in 2024, achieving 124 students placed out of 155 eligible candidates. SIT Pune maintains consistent overall placement trends with 91% placement rate in 2023-24, 97% in 2022-23, and 98% in 2021-22, while CSE department specifically recorded average package of ?11.28 LPA in 2024. The institution holds #9 ranking in Engineering (Private) category by India Today 2024 and maintains A++ NAAC accreditation. PES University Bangalore demonstrates superior overall institutional performance with 83% BTech placement rate in 2023, placing 1,199 out of 1,445 students, though this represents a decline from 87% in previous years. PES University holds NIRF Engineering ranking #101-150 in 2024 and achieved median package of ?12.47 LPA for UG programs. ECE at PES maintains strong industry connections with companies like Microsoft, Amazon, and Google recruiting from campus, though specific ECE placement data shows moderate performance. SIT Pune offers better cost-effectiveness with total fees of ?6.75 lakhs compared to PES University's ?18.11 lakhs for ECE program. Recommendation: Choose Symbiosis Institute of Technology CSE for superior branch-specific placement consistency (93% for CSE), cost-effectiveness, strong industry partnerships, and proven Computer Science career outcomes, unless PES University's institutional brand value and Bangalore's technology ecosystem advantages outweigh the higher fees and moderate ECE placement performance. All the BEST for the Admission & a Prosperous Future!

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Ans: IIT Bombay Mechanical Engineering emerges as the optimal choice for your robotics interests despite the branch difference. IIT Bombay offers exceptional robotics infrastructure including the ARMS Lab (Autonomous Robots and Multi-robot Systems Lab) within the Systems and Control Engineering Department, specializing in robot vision, multi-robot systems, and path planning research. The Mechanical Engineering department at IIT Bombay achieved 98% placement rate for 2024 with 184 out of 188 students placed, demonstrating superior placement consistency. IIT Bombay's e-Yantra robotics platform, sponsored by MHRD, provides extensive hands-on robotics training covering embedded systems, automation, and intelligent systems. IIT Guwahati ECE shows 84% placement rate with ?27.30 LPA average package and houses the Centre for Intelligent Cyber Physical Systems offering MTech in Robotics and AI. IIT Kharagpur features the Center for Excellence in Robotics (CER) focusing on intelligent autonomous robots, though EE placement data shows moderate performance. IIT Bombay's superior NIRF #3 ranking, strongest industry connections with 980+ recruiting companies, proximity to India's technology hub Mumbai, and proven robotics research infrastructure make it preferable. Recommendation: Retain IIT Bombay Mechanical Engineering for superior institutional reputation, proven robotics research facilities, highest placement consistency, and extensive industry exposure essential for robotics career advancement. All the BEST for the Admission & a Prosperous Future!

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Ans: Priya Madam, IIST Trivandrum ECE Avionics emerges as the superior choice despite IIITDM Kancheepuram's broader engineering exposure. IIST demonstrates consistently higher placement rates (86.89% for Avionics vs 40-75% for IIITDM ECE), superior NIRF ranking (#51 vs #101-150), and specialized space sector opportunities unavailable elsewhere in India. The guaranteed ISRO absorption for students with CGPA above 7.5, direct exposure to space research projects, and emerging private space sector partnerships provide exceptional career security and growth potential. While IIITDM offers diverse industry exposure and research opportunities, IIST's specialized focus, higher placement consistency, better institutional ranking, and unique space sector advantages make it the preferred choice for students interested in electronics and communication engineering with space applications. Recommendation: Choose IIST Trivandrum ECE Avionics for superior placement security, specialized space sector career opportunities, better institutional reputation, and access to India's premier space research ecosystem. However, PLEASE NOTE that absorption into ISRO is not guaranteed, as ISRO updates its recruitment policies annually, and also eligibility for the same is subject to certain conditions. All the BEST for the Admission & a Prosperous Future!

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Ans: Securing VIT's Integrated M.Tech with rank 2069 is advisable given its Category 1/2 admission likelihood (cutoffs historically ~2,000–3,500 for premium campuses like Vellore/Chennai) and cost-effectiveness (?4.87L total fees vs ?7–15L for B.Tech in private colleges). While B.Tech programs at mid-tier NITs/IIITs remain inaccessible with a 70 percentile JEE Main score (≈3L rank), VIT's Integrated M.Tech offers 75–80% placement rates with ?9–10 LPA averages, comparable to many B.Tech programs. However, core engineering roles may favor B.Tech graduates, and VIT's Category 4/5 B.Tech seats (?4.4–4.9L/year) are financially burdensome. Prioritize VIT's Integrated M.Tech for specialized training and assured ROI, unless targeting non-technical roles where broader B.Tech flexibility is preferred. All the BEST for the Admission & a Prosperous Future!

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Ans: NPTEL, Coursera, and Udemy certificates demonstrate significant value for future job opportunities, though their impact varies by platform, industry, and application context. NPTEL certificates show particularly strong recognition value, with 82.9% of colleges reporting positive impact on employability and students gaining confidence for technical interviews. The certificates bear stamps from IIT institutes and are highly regarded by employers, with TCS managers specifically asking about NPTEL certifications during interviews. Coursera demonstrates exceptional employer acceptance, with 92% of Indian employers believing professional certifications strengthen job applications, compared to 88% globally. Industry data reveals 96% of Indian students believe Coursera certificates help them stand out to employers and secure jobs after graduation. Udemy certificates receive mixed recognition, with 59% of employers viewing self-directed online learning as an asset, particularly in technology companies and startups where rapid skill acquisition is valued. The broader trend toward skills-based hiring strongly supports online certification value, with 81% of employers using skills-based hiring in 2024, up from 73% in 2023. Research indicates certified candidates have approximately double the odds of finding employment immediately following examinations, though long-term career impact requires practical application of learned skills. Over 75% of employers have hired online degree holders in the past year, with 83% of HR professionals viewing accredited online credentials as equal to traditional degrees. Recommendation: Pursue NPTEL certificates for technical fields and IIT brand recognition, Coursera professional certificates for industry-standard credentials with strong employer acceptance, and Udemy courses for specific skill development in emerging technologies, while ensuring practical application through projects and portfolios to maximize career impact. All the BEST for your Prosperous Future!

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Ans: Your EWS rank of 7825 provides strong admission prospects at NIT Agartala, NIT Meghalaya, NIT Manipur, and NIT Mizoram for CSE branch, with cutoffs ranging from 3117-5219. ECE opportunities expand significantly across lower-tier NITs including NIT Sikkim, NIT Nagaland, and NIT Puducherry with cutoffs extending to 40,000+ ranks. IIIT options include potential admission to IIIT Allahabad IT (cutoff 250-675), borderline chances at IIIT Delhi CSE (EWS cutoff 9200-13400), and strong prospects at IIIT Bhopal with 80.27% placement rate. Placement analysis reveals NIT Agartala and Meghalaya offer 70-80% placement rates while IIIT Bhopal provides superior outcomes with ?18.23 LPA average packages. Recommendation: Prioritize NIT Agartala or NIT Meghalaya for CSE admission with strong placement prospects, consider IIIT Bhopal as premium alternative for excellent placement outcomes, and explore ECE options at NIT Puducherry or NIT Sikkim for expanded admission security. All the BEST for the Admission & a Prosperous Future!

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Ans: Hello dear
With KCET, you have a chance to get admission to good, reputed colleges, but the chances of CSE are slim to moderate. With COMDEK, chances are there for at least ECE. RVCE can be challenging, but keep hopes alive for BMSCE.
Best of luck to you!
Feel free to follow me if you liked the reply. Thanks!
Radheshyam

Ans: You are 36 years old and debt-free. You also have Rs. 16–17 lakhs ready. That gives you a strong base. Now, let us look at your decision between plot purchase and mutual funds from a full 360-degree view.

Present Financial Strength
You have no loans. That is a good position.

You are already in a better financial place than most peers.

You have Rs. 16–17 lakhs free. This gives you flexibility.

Being loan-free and liquid at 36 is a powerful place.

Now your next step needs proper thought.

Investment in Plot – Reality Check
A plot looks attractive. But it is not flexible.

Once you buy, you lock your full money into one asset.

A plot does not generate monthly cash flow.

Maintenance, tax and legal issues can arise with plots.

Selling it quickly is tough during emergencies.

Growth in land price is very slow in many cases.

Location may not always favour appreciation.

You may need to spend more to develop it later.

No regular return means wealth is just stuck.

Plot investment is emotional, not financial.

It is not suitable for all financial goals.

If you plan to build a house, that’s different.

But for investment, it is not ideal.

Mutual Funds – A Better Path
Mutual funds offer variety and liquidity.

You can start small or big, as per your plan.

You can invest for short, medium or long term.

You can also pause or withdraw if needed.

They are professionally managed.

They bring diversification across sectors.

You don’t need large capital to start.

You also don’t carry holding cost or legal worries.

Mutual funds offer long-term compounding benefits.

They have transparency and regular reporting.

You stay in control, always.

Understanding Active Funds over Index
You didn’t mention index funds. Still, a quick word.

Index funds just copy the market. Nothing more.

They don’t adjust to risks or themes.

They fall as much as market does.

Actively managed funds try to reduce downside.

Fund managers try to beat market returns.

Active funds give more flexibility in asset selection.

They also follow investment discipline.

For goal-based planning, active funds are better.

Direct Plans vs Regular Plans
You didn’t mention direct mutual funds. Still, let’s clarify.

Direct plans may save cost, but offer no guidance.

When markets fall, they leave you confused.

You may act emotionally and harm your goals.

A Certified Financial Planner adds behavioural support.

A good Mutual Fund Distributor with CFP will guide you.

This is more important than cost saving.

Regular plans include advisory support.

So invest through qualified professionals.

Financial Goal Alignment
Think clearly—what do you want from the money?

Do you have goals like retirement, home, child education?

If yes, mutual funds fit better than land.

Plots don’t match financial goals well.

They can’t be sold in parts to meet needs.

Mutual funds can be used goal-by-goal.

You can create multiple funds for multiple goals.

Emergency Readiness
Plot doesn’t help during emergencies.

It is not liquid and can’t be partly sold.

Mutual funds give access within 1–3 days.

Liquid funds and ultra-short-term funds support emergencies.

Always keep 6–9 months of expenses in these.

Plots have no role in your emergency fund.

Taxation Understanding
Plot sale attracts capital gains tax.

You also need to reinvest sale value to avoid tax.

Mutual fund taxation is clearer and easier.

Long-term equity fund gains above Rs. 1.25 lakh taxed at 12.5%.

Short-term gains from equity taxed at 20%.

Debt funds taxed as per your slab.

Payout and reinvestment are flexible.

Tax filing for funds is also simple.

Growth and Wealth Creation
Mutual funds grow gradually with compounding.

Even small SIPs grow big with time.

You can add more each year as income grows.

You can track and review performance every quarter.

A plot may not grow consistently.

Land markets have ups and downs too.

Many plots stay stagnant for years.

With mutual funds, value creation is more visible.

Psychological Comfort
A plot may feel tangible.

It feels safe because we can touch it.

But this is emotional, not financial.

Mutual funds feel boring but are efficient.

Wealth creation does not need emotional attachment.

Rational decision wins in the long run.

Mistakes to Avoid
Don’t invest in plot without a clear personal use plan.

Don’t put all Rs. 16–17 lakhs into one asset.

Don’t invest just because others are doing it.

Don’t ignore liquidity while chasing growth.

Don’t take emotional decisions with big money.

Don’t delay decision thinking market is high.

Don’t invest directly in mutual funds without guidance.

Better Way to Use Rs. 16–17 Lakhs
Keep Rs. 2–3 lakhs in emergency liquid fund.

Allocate rest in 3–4 mutual fund schemes.

Choose based on goals: 3, 5, 10 years and beyond.

Use goal-based buckets with SIP and lump sum both.

Invest through MFD or Certified Financial Planner.

Review and adjust your portfolio yearly.

Increase SIPs each year as income grows.

Role of a Certified Financial Planner
A CFP will align investments with goals.

They help track your financial life clearly.

They offer behavioural support in tough markets.

They plan for taxes, cash flow and risks.

They help you avoid emotional decisions.

They don’t just sell products—they build strategy.

They keep your financial plan on track.

If You Already Have LIC or ULIP
If you have investment-cum-insurance policies, check returns.

Most give poor returns of 3–5%.

Surrender them if lock-in is over.

Reinvest that amount into mutual funds.

It will help you reach goals faster.

Use term insurance for protection only.

Final Insights
You are 36 and debt-free. This is your strength. Rs. 16–17 lakhs is a big opportunity. A plot may look attractive but has many limits. It locks capital, has no returns, and poor liquidity. Mutual funds are flexible, diversified, and goal-focused. You can start small and build big. You can track progress and change anytime. You can manage risk better with professional help. Avoid direct and index funds. Use regular plans through MFDs with CFP credential. If you have LIC or ULIPs, exit smartly. Mutual funds give you more freedom, growth and control. Take your next step wisely.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hi sir,
pharmaceutical biotechnology
agricultural biotechnology
plant biotechnology
Environmental biotechnology
Industrial biotechnology
Animal biotechnolgy
Medical Biotechnology
Which one you planning?