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Ramalingam

Ramalingam Kalirajan  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 05, 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
Nikhilesh Question by Nikhilesh on Jun 05, 2024Hindi
Money

Hi Dev.. I am 42 years old.. Have accumulated around 1.3 Crores as of today in MF(51.5 L), PPF/SSY (36 L) and EPF(46 L). Target is to reach around 10 crores in the next 13-15 years. I am a High Risk investor. I am investing in the below mutual funds for a minimum tenure of another 13 years.. UTI Nifty 50 Index (13k), Mirae Asset Large and Midcap (3k), UTI Nifty 200 Momentum 30 (18k), Quant Midcap (35k), Invesco India Midcap (35k) , Axis Small Cap (18k), Parag Parikh Flexicap (20k) and Quant Flexicap (20k) and Mirae Asset MidSmall400 Momentum Quality 100 ETF FoF (18k). Apart from this will continue investing in PPF (1.5 L yearly), Sukanya Samriddhi Yojana (1.5 L yearly) and EPF (3.4 L yearly). Am I aligned to reach the goal with the funds selected or any changes needs to be done. Pls. suggest.

Ans: You're doing a great job with your investments. At 42 years old, you've accumulated around Rs 1.3 crores in various investment avenues. That's commendable. You're on the right track towards your goal of Rs 10 crores in the next 13-15 years. Let’s analyze and evaluate your current investment strategy, its alignment with your goals, and potential areas of improvement.

Mutual Fund Investments: A Deep Dive
Overview and Assessment
You've diversified your mutual fund investments across various categories, which is a good strategy. Here's a closer look:

UTI Nifty 50 Index and UTI Nifty 200 Momentum 30: These funds focus on large-cap stocks and momentum strategies. While they offer stability, they might not match your high-risk appetite. Actively managed funds could provide better returns.

Mirae Asset Large and Midcap: This fund offers a balance between large and mid-cap stocks, providing a mix of stability and growth potential.

Quant Midcap and Invesco India Midcap: Midcap funds offer higher growth potential but come with increased volatility.

Axis Small Cap: Small-cap funds can offer high returns but are riskier. Given your high-risk tolerance, this fits well in your portfolio.

Parag Parikh Flexicap and Quant Flexicap: Flexicap funds provide the flexibility to invest across market capitalizations, which can be beneficial in changing market conditions.

Mirae Asset MidSmall400 Momentum Quality 100 ETF FoF: This fund focuses on momentum and quality factors, aligning with your aggressive investment style.

Analysis and Recommendations
Actively Managed Funds Over Index Funds

Your portfolio includes index funds like UTI Nifty 50 Index. Index funds track market indices, offering average market returns. Actively managed funds can potentially outperform index funds due to skilled fund management, especially in a high-risk strategy. Consider reallocating some investments from index funds to actively managed large-cap funds.

Risk and Reward Balance

You're heavily invested in midcap and small-cap funds, which aligns with your high-risk tolerance. However, ensure you're comfortable with the potential volatility. Maintaining a balance with some stable large-cap or balanced advantage funds could cushion against market downturns.

Regular Monitoring and Adjustments

It's essential to regularly review and adjust your portfolio based on market conditions and fund performance. Consider consulting a Certified Financial Planner (CFP) for personalized advice.

Power of Compounding and Long-Term Growth
Compounding: Your Best Ally
The power of compounding is your best ally in achieving your Rs 10 crore goal. Reinvesting earnings generates earnings on earnings, exponentially increasing your wealth over time. With a 13-15 year horizon, your investments have ample time to grow significantly through compounding.

Systematic Investment Plans (SIPs)
Your SIPs in mutual funds are a disciplined approach to investing, mitigating market volatility and averaging cost. Continue this strategy, as it leverages the power of compounding effectively.

Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY)
Stability and Tax Benefits
Your annual investments in PPF (Rs 1.5 lakh) and SSY (Rs 1.5 lakh) offer stability and tax benefits under Section 80C. These instruments provide guaranteed returns and are risk-free, balancing your high-risk mutual fund investments.

Employee Provident Fund (EPF)
Secure and Reliable
Your EPF contributions (Rs 3.4 lakh yearly) offer a secure, long-term saving avenue with tax benefits. The EPF is a cornerstone for retirement planning, providing a steady growth rate.

Evaluating Your Current Strategy
Alignment with Goals
Your current strategy is robust, focusing on a mix of high-risk, high-reward mutual funds and stable, tax-efficient instruments like PPF, SSY, and EPF. This diversified approach aligns well with your Rs 10 crore goal.

Potential Adjustments
Increase Allocation to Actively Managed Funds: Shift some investments from index funds to actively managed funds to potentially enhance returns.
Diversify Within High-Risk Funds: Ensure your high-risk mutual fund portfolio is diversified across various sectors to mitigate specific sector risks.
Regular Reviews: Conduct regular portfolio reviews and rebalancing to stay aligned with market conditions and personal goals.
Final Insights
Your proactive approach to financial planning is commendable. You've created a diversified portfolio with a mix of high-risk mutual funds and stable, tax-efficient investments. This strategy is well-aligned with your goal of accumulating Rs 10 crores in the next 13-15 years.

Consider the following:

Reallocate some investments from index funds to actively managed funds for potentially higher returns.
Maintain a balance between high-risk and stable investments to cushion against market volatility.
Regularly review and adjust your portfolio to stay on track with your goals.
Stay disciplined with your SIPs and leverage the power of compounding. Your commitment to a long-term investment horizon will pay off.

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 Kalirajan  |9955 Answers  |Ask -

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

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Hi .. I am 42 years old.. Have accumulated around 1.3 Crores as of today in MF(51.5 L), PPF/SSY (36 L) and EPF(46 L). Target is to reach around 10 crores in the next 13-15 years. I am a High Risk investor. I am investing in the below mutual funds for a minimum tenure of another 13 years.. UTI Nifty 50 Index (12k), Mirae Asset Large and Midcap (3k), UTI Nifty 200 Momentum 30 (12k), Quant Midcap (35k), Invesco India Midcap (35k) , Quant Small cap (12k), Axis Small Cap (12k), Parag Parikh Flexicap (20k) and Quant Flexicap (20k). Apart from this will continue investing in PPF (1.5 L yearly), Sukanya Samriddhi Yojana (1.5 L yearly) and EPF (3.4 L yearly). Am I aligned to reach the goal with the funds selected or any changes needs to be done. Pls. suggest.
Ans: Your commitment to financial planning and goal-setting is commendable. Let's assess your investment portfolio and strategize for achieving your target of reaching ?10 crores in the next 13-15 years.

Your disciplined approach to savings and investment, coupled with clear long-term goals, sets a solid foundation for financial success.

Assessing Current Portfolio Alignment
Your current portfolio comprises a mix of mutual funds, PPF/SSY, and EPF, catering to your high-risk appetite. Let's evaluate the alignment of your portfolio with your target goal.

Analyzing Mutual Fund Selection
Your mutual fund selection reflects a diverse mix across large-cap, mid-cap, and small-cap segments. However, it's essential to consider the following aspects:

Performance History: Regularly monitor the performance of selected funds to ensure they consistently outperform their benchmarks.

Risk Management: Given your high-risk tolerance, focus on funds with a proven track record of managing volatility and delivering superior returns over the long term.

Evaluating PPF/SSY and EPF Contributions
Your continued contributions to PPF/SSY and EPF are prudent, considering their tax benefits and stability. However, ensure that the contribution amounts align with your overall investment strategy and target goal.

Adjustments and Recommendations
Based on the current portfolio and target goal, consider the following adjustments:

Review Fund Selection: Periodically review the performance of mutual funds and make adjustments if any funds underperform or fail to meet expectations.

Consider Additional Asset Classes: Explore diversification opportunities by incorporating other asset classes like international funds or thematic funds to further enhance portfolio growth potential.

Regular Portfolio Monitoring: Stay proactive in monitoring your portfolio's performance and make necessary adjustments to maintain alignment with your financial objectives.

Benefits of Regular Funds Investing through MFD with CFP Credential
Engaging a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential offers several benefits:

Tailored Advice: A CFP can provide personalized advice based on your financial goals, risk tolerance, and investment horizon.

Holistic Financial Planning: Benefit from comprehensive financial planning that considers all aspects of your financial life, including retirement, taxation, and estate planning.

Continuous Monitoring: An MFD with CFP credential can monitor your investments regularly and recommend adjustments as needed to keep your portfolio on track.

Conclusion
Your current investment portfolio exhibits a well-thought-out strategy geared towards long-term growth. However, periodic review and adjustments are essential to ensure alignment with your target goal of reaching ?10 crores in the next 13-15 years. Engaging a Certified Financial Planner can provide valuable guidance and support in optimizing your investment strategy for optimal outcomes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

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Hi Vivek.. I am 42 years old.. Have accumulated around 1.3 Crores as of today in MF(51.5 L), PPF/SSY (36 L) and EPF(46 L). Target is to reach around 10 crores in the next 13-15 years. I am a High Risk investor. I am investing in the below mutual funds for a minimum tenure of another 13 years.. UTI Nifty 50 Index (13k), Mirae Asset Large and Midcap (3k), UTI Nifty 200 Momentum 30 (18k), Quant Midcap (35k), Invesco India Midcap (35k) , Axis Small Cap (18k), Parag Parikh Flexicap (20k) and Quant Flexicap (20k) and Mirae Asset MidSmall400 Momentum Quality 100 ETF FoF (18k). Apart from this will continue investing in PPF (1.5 L yearly), Sukanya Samriddhi Yojana (1.5 L yearly) and EPF (3.4 L yearly). Am I aligned to reach the goal with the funds selected or any changes needs to be done. Pls. suggest.
Ans: Assessment of Current Portfolio

You've done a commendable job of accumulating Rs. 1.3 crores across mutual funds, PPF, SSY, and EPF. Your goal of reaching Rs. 10 crores in the next 13-15 years is ambitious yet achievable given your high-risk appetite and consistent investment strategy. Let's break down your portfolio and investment strategy to see if you're on the right track.

Mutual Fund Investments

Your mutual fund investments are diversified across various categories:

Large-cap funds for stability
Mid-cap and small-cap funds for higher growth potential
Flexi-cap funds for a balanced approach
This diversification is crucial for managing risk and optimizing returns. However, there are a few points to consider:

High Allocation to Mid-cap and Small-cap Funds: While mid-cap and small-cap funds offer higher growth potential, they are also more volatile. Ensure that you are comfortable with this level of risk, especially since a significant portion of your investments is in these categories.

Momentum Funds: Momentum funds can offer good returns during bullish markets but can be risky in volatile markets. Monitor these investments closely and be prepared to rebalance if needed.

Flexi-cap Funds: These funds provide flexibility in allocation and can adjust according to market conditions, which is beneficial. Keep a close eye on the fund managers' performance to ensure they are capitalizing on this flexibility effectively.

Disadvantages of Index Funds and Direct Funds

Index Funds: While index funds are low-cost and provide market-average returns, they lack the potential for outperformance. Actively managed funds, like the ones you have, can potentially deliver higher returns due to active stock selection and market timing.

Direct Funds: Direct funds may save on expense ratios but lack the professional advice and guidance provided by mutual fund distributors (MFDs) with CFP credentials. Regular funds, through an MFD, offer ongoing advice, market insights, and portfolio reviews, which are invaluable for long-term financial planning.

PPF, SSY, and EPF Investments

Your continued investments in PPF (Rs. 1.5 lakhs yearly), SSY (Rs. 1.5 lakhs yearly), and EPF (Rs. 3.4 lakhs yearly) provide a solid foundation of safe and tax-efficient returns. These instruments offer guaranteed returns and tax benefits, which are essential for risk management and ensuring a stable portion of your portfolio.

Suggestions for Improvement

Review Fund Performance Regularly: Actively review the performance of your mutual funds. Ensure they consistently outperform their benchmarks and peers. If a fund underperforms over an extended period, consider switching to a better-performing alternative.

Consider Professional Advice: Engage with a Certified Financial Planner (CFP) to review your portfolio periodically. They can provide personalized advice, help you navigate market volatility, and make informed decisions.

Rebalance Your Portfolio: Regularly rebalance your portfolio to maintain your desired asset allocation. This ensures you are not overexposed to any single asset class and helps in managing risk.

Emergency Fund: Ensure you have an adequate emergency fund in place. This should cover at least 6-12 months of your expenses. It provides a safety net during unforeseen circumstances without disturbing your investment strategy.

Final Insights

You have a well-diversified portfolio aligned with your high-risk tolerance and long-term goals. Your disciplined approach to investing in mutual funds, PPF, SSY, and EPF is commendable. Regular reviews, professional advice, and portfolio rebalancing will help you stay on track to achieve your goal of Rs. 10 crores in the next 13-15 years.

Stay focused and keep monitoring your investments to ensure they continue to meet your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |9955 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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Hi Sunil.. I am 42 years old.. Have accumulated around 1.3 Crores as of today in MF(51.5 L), PPF/SSY (36 L) and EPF(46 L). Target is to reach around 10 crores in the next 13-15 years. I am a High Risk investor. I am investing in the below mutual funds for a minimum tenure of another 13 years.. UTI Nifty 50 Index (13k), Mirae Asset Large and Midcap (3k), UTI Nifty 200 Momentum 30 (18k), Quant Midcap (35k), Invesco India Midcap (35k) , Axis Small Cap (18k), Parag Parikh Flexicap (20k) and Quant Flexicap (20k) and Mirae Asset MidSmall400 Momentum Quality 100 ETF FoF (18k). Apart from this will continue investing in PPF (1.5 L yearly), Sukanya Samriddhi Yojana (1.5 L yearly) and EPF (3.4 L yearly). Am I aligned to reach the goal with the funds selected or any changes needs to be done. Pls. suggest.
Ans: Current Financial Position
You are 42 years old.

You have accumulated Rs 1.3 crores in various investments.

Mutual Funds: Rs 51.5 lakhs

PPF/SSY: Rs 36 lakhs

EPF: Rs 46 lakhs

You are a high-risk investor.

Your goal is to reach Rs 10 crores in the next 13-15 years.

Assessment of Current Investments
Mutual Funds
Your mutual fund portfolio includes:

Large-cap, mid-cap, and small-cap funds

Flexicap funds

An ETF fund of funds

You are investing significant amounts monthly.

Provident Fund (PF) and Public Provident Fund (PPF)
You have Rs 36 lakhs in PPF/SSY and Rs 46 lakhs in EPF.

These are safe, long-term investments.

Monthly Contributions
You invest:

Rs 1.5 lakhs yearly in PPF

Rs 1.5 lakhs yearly in SSY

Rs 3.4 lakhs yearly in EPF

Evaluating Future Investment Needs
Mutual Fund Selection
Your mutual fund selection is diversified.

You have exposure to large-cap, mid-cap, and small-cap segments.

Index Funds and ETFs
You have invested in an index fund and ETF fund of funds.

Index funds and ETFs follow the market. They do not aim to outperform it.

Actively managed funds aim to outperform the market.

They provide professional management and potentially higher returns.

Consider focusing more on actively managed funds.

Recommendations for Portfolio Optimization
Increase Allocation to Actively Managed Funds
Consider increasing your allocation to actively managed funds.

They offer potential for higher returns and professional management.

Regular Review and Rebalancing
Review and rebalance your portfolio regularly.

Ensure it aligns with your goals and risk tolerance.

Focus on High-Growth Funds
Given your high-risk appetite, focus on high-growth mutual funds.

Mid-cap and small-cap funds can offer significant growth.

Maintain Safe Investments
Continue your investments in PPF, SSY, and EPF.

These provide stability and guaranteed returns.

Evaluate ULIPs
If you have ULIPs, consider their charges and returns.

Surrendering ULIPs and reinvesting in mutual funds might be beneficial.

Professional Guidance
Seek advice from a Certified Financial Planner.

They can provide tailored advice and ensure your investments align with your goals.

Final Insights
You have a well-diversified portfolio.

Focus more on actively managed funds for potential higher returns.

Review and rebalance your portfolio regularly.

Continue with safe investments like PPF, SSY, and EPF.

Consider professional guidance for optimized investment strategies.

Stay focused on your goal of reaching Rs 10 crores.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |9699 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

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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
Ans: VIT Vellore’s Mechanical Engineering program is highly respected, offering a comprehensive and industry-aligned curriculum supported by NAAC A++ and ABET accreditations, modern labs, and strong faculty expertise. Students benefit from robust placement opportunities, with typical placement rates for mechanical engineering between 50% and 65%, and access to internships with leading companies in automotive, manufacturing, automation, and energy sectors. For those interested in pursuing international exposure, VIT provides multiple pathways. The Semester Abroad Programme (SAP) enables undergraduates to complete their Capstone Research Project, thesis, or approved coursework at more than 500 global partner universities, enhancing international experience and employability. Additionally, the International Transfer Programmes (ITP) offer structured 2+2 Bachelor’s, 3+2 or 3.5+1.5 accelerated pathways, where students complete initial years at VIT and transfer to universities abroad—partners span the USA, UK, Sweden, Belgium, New Zealand, and Australia. Some key universities include Massey University (New Zealand), the University of Michigan–Dearborn (USA), and institutions in Sweden and the UK, often allowing dual degree or direct entry into Master’s programs in mechanical and related fields. The program selection typically depends on academic standing and specific eligibility criteria, with the student completing the required credits at VIT before transferring. VIT’s International Relations office actively helps students select universities, facilitates credit transfer, and provides guidance on global research internships and short-term exchanges, preparing them for careers or further studies abroad. These pathways significantly boost prospects for international industry roles or advanced research, particularly in areas like robotics, smart manufacturing, aerospace, and energy systems. Besides international collaborations, VIT’s focus on innovation, problem-based learning, and industry partnerships ensures that mechanical engineering graduates remain competitive for both core and interdisciplinary opportunities globally.

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Nayagam P

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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

Nayagam P P  |9699 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
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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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In summary, the ISA route is intended for foreign passport holders applying with SAT scores, bypassing BITSAT, but it is not mandatory for your daughter; she can gain admission via BITSAT as any other candidate. The ISA process involves submitting official SAT scores and meeting PCB percentage requirements and is merit-based on SAT performance, making it an alternative but not the sole option.

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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