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Jinal

Jinal Mehta  |103 Answers  |Ask -

Financial Planner - Answered on Mar 18, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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Roshan Question by Roshan on Dec 27, 2023Hindi
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Hi sir, I have done multiple funds. 1. Tata Digital fund - 1500 PM 2. Kotak Multicap Fund - 2000pm 3. Axis Growth opportunities fund - 2000pm 4. PGIM Midcap - 3000 PM 5. Mirae asset Large & Midcap Fund - 2000pm 6. Canara Robeco smallcap - 1000pm 7. Sundaram flexi cap - 500pm 8. HDFC NIFTY SMALLCAP250 - 1000 pm 9. HDFC SIlver ETF FOF - 500pm 10. Bandhan transportation and logistics - 300pm I am 23. Should I Stop anything or increase/decrease any amount. How is the fund selection?

Ans: I would request you to contact any professional financial planner for getting your portfolio evaluated as it i will not be able to evaluate with this limited information.
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  |9403 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2024

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Hi Ulhas, I have multiple funds. 1. Tata Digital fund - 1500 PM 2. Kotak Multicap Fund - 2000pm 3. Axis Growth opportunities fund - 2000pm 4. PGIM Midcap - 3000 PM 5. Mirae asset Large & Midcap Fund - 2000pm 6. Canara Robeco smallcap - 1000pm 7. Sundaram flexi cap - 500pm 8. HDFC NIFTY SMALLCAP250 - 1000 pm 9. HDFC SIlver ETF FOF - 500pm 10. Bandhan transportation and logistics - 300pm I am 23. What should I be doing going ahead?
Ans: At 23, you're off to a great start with your mutual fund investments. Here are some suggestions for moving forward:

Continue Investing: Maintain discipline in your investments by continuing your SIPs. Regular investments over time can help you benefit from the power of compounding and rupee-cost averaging.

Review Portfolio: Regularly review your portfolio's performance and make adjustments if needed. Consider reallocating funds or adding new ones based on changes in your financial goals, risk tolerance, and market conditions.

Diversification: While you have a diverse portfolio, ensure you're not overly concentrated in any particular sector or market cap. Diversification helps spread risk and can enhance returns over the long term.

Long-Term Perspective: Keep a long-term perspective and avoid making impulsive decisions based on short-term market movements. Stay focused on your financial goals and stick to your investment plan.

Explore New Opportunities: Stay informed about new investment opportunities and emerging trends in the market. Consider adding new funds or asset classes to your portfolio for further diversification.

Financial Planning: Consider consulting with a financial advisor to develop a comprehensive financial plan tailored to your goals, risk profile, and investment horizon. A professional can provide personalized guidance and help optimize your investment strategy.

By following these steps, you can continue to build wealth and work towards achieving your financial objectives over the long term.

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Ramalingam

Ramalingam Kalirajan  |9403 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.
Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

Assessing Your Current Portfolio
SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

Considerations for Continuation or Switch
Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

Potential Actions
Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

Conclusion
While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Nayagam P

Nayagam P P  |7829 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

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Hello sir I have done diploma after my 10th but in diploma I had to take a drop of 1 year in which I did my 12th as well so in diploma I got 60.88% , in 12th boards I got 58.83% and i also tried for VITEEE and got a rank of 154006 and in MHT CET I got 36.52 percentile so is it possible for me to get a college without management quota having a max of 2 lack fees and the mechatronics or robotics branch ? Career
Ans: Rudraksh, With a 36.52 percentile (approx. rank 59 000), admission into top-tier Mechatronics/Robotics programs via general CAP rounds is unlikely. However, select private institutes with total fees under ?2 lakh admit candidates with closing state ranks up to 75 000. Rajarambapu Institute of Technology, Sangli offers B.Tech Mechatronics (lateral entry) for ?1.47 lakh total fees, admitting till ~70 590 rank. Terna Engineering College, Navi Mumbai provides B.E Mechatronics at ?1.2 lakh total fees with closing statewide general percentile around 87.17 (≈rank 50 000–60 000). Prof. Ram Meghe Institute of Technology & Research, Amravati and Pillai College of Engineering, New Panvel admit allied branches such as Robotics & Automation for ranks between 50 000–75 000 via CAP rounds. All have NBA/AICTE approval, PhD-qualified faculty, modern labs for automation, and 70–85% placement rates.

recommendation:
For affordability, infrastructure, and realistic cutoffs, target Terna Engineering College for its ?1.2 lakh fees and CAP closing around your rank, or Rajarambapu Institute of Technology for ?1.47 lakh fees and proven ~70 590 closing rank. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7829 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Asked by Anonymous - Jul 03, 2025Hindi
Career
My son has secured admission in NMIMS Nilkamal School for BSc Applied Statistics and Analytics. Meanwhile, we are awaiting CUET results and considering Indian Statistical Institute for BSc Statistics and Data Science. Hindu College in DU is also a option being a 3 year course. Which one would be the best in terms of career prospects.
Ans: NMIMS’s Nilkamal School of Mathematics, Applied Statistics & Analytics offers a four-year BSc in Applied Statistics & Analytics with NBA-aligned curriculum, dedicated analytics and visualization labs, a full-time placement cell with corporate partnerships for internships and final placements, and personalized career guidance. ISI’s BStat & Data Science (Hons.) provides an elite three-year program under its Institute of Eminence status, led by PhD-active faculty in core and applied statistics, access to high-performance computing clusters, extensive research collaborations, integrated MSc/PhD pathways, and near-100% placement into top tech and research roles. Hindu College DU’s three-year BSc (Hons.) Statistics is A+ NAAC-accredited with CUET-based admission, strong academic rigor and campus life, but campus-driven placement for BSc candidates remains modest (~14% across UG batches over three years), with top recruiters in consulting and analytics offering limited slots.

Recommendation:
For premier placement consistency and research-driven roles, recommendation is ISI BStat & Data Science. Next, choose NMIMS BSc Applied Statistics & Analytics for its modern labs, strong corporate tie-ups, and dedicated placement support. Consider Hindu College BSc Statistics only if you prioritise DU’s brand, academic environment, and peer network. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7829 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

Career
Plz suggest pec civil or production
Ans: Punjab Engineering College’s Civil Engineering and Production & Industrial Engineering programs are both NBA-accredited and taught by predominantly PhD-qualified faculty. Civil offers 110 seats, with labs in Structural Analysis, Geotechnical Engineering, Environmental Systems, Surveying, and Transportation, and industry tie-ups with CPWD, IRCON, and L&T. Production enrolls 40 students, featuring advanced Manufacturing, Automation, Robotics, Quality Control, and Six Sigma labs, plus a Siemens-funded Centre of Excellence. Over the last three years, Civil placements averaged ~36% (29–43 offers against 83–104 eligible), while Production saw ~76% conversion (23–36 offers from 26–46 eligible) with 88–90% internship conversion into job offers. Both branches share an average package of ?15.97 LPA and mandate six-month internships. Civil graduates enter construction, infrastructure, and consultancy roles, whereas Production alumni secure manufacturing, operations, and process-engineering positions.

Recommendation:
Given its superior placement consistency (76% vs. 36%), robust manufacturing labs, and stronger industry-internship pipelines, choose Production & Industrial Engineering at PEC. Opt for Civil Engineering only if your interests lie specifically in core infrastructure and environmental projects. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7829 Answers  |Ask -

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Which type of questions are came in AIIMS Paramedical exam and what is its paper level ?
Ans: Kirti, The AIIMS Paramedical entrance is a 90-minute, computer-based test comprising 90 four-option MCQs across three mandatory sections—Physics (30 questions), Chemistry (30 questions)—and one optional section (Biology or Mathematics, 30 questions) depending on course eligibility. Each correct response earns +1 mark and each incorrect answer incurs –? mark, with no penalty for unattempted questions. The paper’s overall difficulty is moderate, blending straightforward NCERT-level questions with application-based items in Mechanics, Thermodynamics, Organic Chemistry, and Human Physiology; a few questions demand deeper conceptual clarity but none exceed Class 12 standards.

A successful six-week preparation plan includes:

Syllabus mapping: Download AIIMS paramedical syllabus from aiims.edu and list all Class 11–12 NCERT topics in Physics, Chemistry, Biology/Mathematics.

Concept reinforcement: Strengthen fundamentals via NCERT textbooks; cover each topic thoroughly before moving on.

Targeted practice: Solve 200+ previous years’ AIIMS Paramedical MCQs to familiarize with question framing and moderate difficulty.

Mock testing: From week 2, take one full-length simulated test weekly, increasing to three tests per week in the final fortnight; analyse errors and time spent per section.

Sectional drills: Dedicate two days each week exclusively to Physics and Chemistry problem-solving, one day to Biology/Mathematics, and review one full syllabus revision weekly.

Revision aids: Create concise formula sheets and concept charts; use flashcards for definitions in Biology and key reactions in Chemistry.

Time management: Practice sectional time allocation—30 minutes per section—maintaining 1 minute per question with 10–15 minutes at end for review.

Peer discussion: Join online study groups or local discussion forums to clarify doubts and exchange memory-based questions.

Final recommendation To excel, maintain consistent daily study (5–6 hours), prioritise NCERT mastery and mock-test analysis, and focus on high-yield topics like Kinematics, Biomolecules, Electrostatics, and Human Physiology. Continuous self-assessment and targeted revision will solidify concepts and build exam confidence. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7829 Answers  |Ask -

Career Counsellor - Answered on Jul 04, 2025

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Hello sir, My son get iit bombay material eng in 3rd round of josaa. He may get admission in DAIICT in ICT. Which one is best to finalize
Ans: Harsh Sir, IT Bombay’s B.Tech in Metallurgical Engineering and Materials Science is ranked #3 by NIRF and delivered by PhD-qualified faculty in a department equipped with central and FIST facilities—OIM & Texture, X-Ray, Nanoindenter, TEM prep, Scanning Probe Microscopy, Hyperflash thermal analysis, dual vacuum SEM, and an HPC cluster—on a 500-acre Powai campus. Accredited by AICTE, NBA, and with NAAC recognition, the program recorded a 70.37% batch placement rate in 2024 through core recruiters like Intel, Qualcomm, and L&T. DA-IICT’s B.Tech in Information and Communication Technology holds NAAC A+ accreditation, UGC approval, and operates a 1:1 computing infrastructure—including a five-node GPU-enabled HPC cluster, 1 Gbps campus LAN, 1,300+ desktops, 30 servers, and 22 teaching plus 11 research labs (Electronics, DSP, CS, HPC, IoT, VLSI)—supported by PhD faculty and industry-seasoned instructors. Over the past three years, 80–90% of ICT graduates secured placements via 120+ recruiters such as Google, Amazon, and Microsoft, with 390+ offers in 2024 and strong internship-to-offer conversion.

Recommendation: Weighing premier brand value, specialized materials labs, and solid core-engineering placements at IIT Bombay, finalize IIT Bombay Materials Engineering for long-term research and industry roles. Opt for DA-IICT ICT only if interdisciplinary ICT training, cutting-edge computing infrastructure, and its higher placement consistency (80–90%) align more closely with immediate software and communication technology goals. All the BEST for the Admission & a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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