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How Can I Make 2 Crore Rupees When I'm Earning 50,000 Per Month?

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 30, 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 - Sep 29, 2024Hindi
Money

i am earning 50k how to make 2cr pls guide me

Ans: It’s excellent that you are thinking about creating wealth over time. With disciplined saving and smart investments, you can achieve your goal of Rs 2 crore. Your current salary of Rs 50,000 per month allows you the opportunity to build a secure financial future.

Let’s explore how you can make this happen.

Start Small but Stay Consistent
The key to wealth creation is consistency. With your current salary, you can allocate 20% of your income to investments. This means you will invest Rs 10,000 per month.

This Rs 10,000 monthly SIP (Systematic Investment Plan) is a great way to start.

By investing consistently, you are laying the foundation for future growth.

Remember, small amounts invested regularly over a long period can yield significant results.

Increasing SIP Contributions Gradually
As your income grows, so should your investment. To ensure that your investment keeps pace with your lifestyle and inflation, step up your SIP contributions by 10% each year.

For example, if you start with Rs 10,000 per month, increase it to Rs 11,000 in the next year, Rs 12,100 the year after, and so on.

This “step-up” ensures that your contributions grow alongside your income, helping you reach your Rs 2 crore target faster.

With a 10% step-up in SIP, your investment will grow more effectively without putting too much strain on your finances.

Power of Compounding
One of the most powerful aspects of long-term investing is the compounding effect. The longer you invest, the greater the effect of compounding.

Over a period of 20 years, your investment can potentially grow at an average rate of 12% per annum.

By consistently investing Rs 10,000 every month with a 10% annual step-up, your portfolio can grow to around Rs 2 crore by the end of 20 years.

Compounding works best when you remain invested and let your money grow over time.

Choose Actively Managed Mutual Funds
When investing for the long term, actively managed mutual funds can offer better growth compared to passive index funds.

Actively managed funds are overseen by experienced fund managers who make strategic decisions to maximize returns.

Unlike index funds, which simply track market indexes, actively managed funds offer better potential for outperformance.

In your case, choosing actively managed equity mutual funds will help you achieve better returns and reach your Rs 2 crore target.

Why Direct Funds May Not Be the Best Choice
Some investors might consider investing directly in mutual funds. However, it’s worth noting that direct funds often require you to monitor and manage the portfolio yourself. This may not be the best option for everyone.

Investing in direct funds requires time, expertise, and regular tracking of market trends.

In contrast, investing through a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) allows you to get professional guidance and support.

This professional guidance helps you build a well-diversified portfolio, reducing the risks involved with direct investing.

Stick to the Plan
Wealth creation doesn’t happen overnight. The most important thing is to stick to your investment plan. Avoid the temptation to withdraw or stop your SIPs.

Market fluctuations are normal, and there will be times when returns may seem lower. Stay invested.

Your long-term commitment to regular SIPs will help you build a substantial corpus over time.

The disciplined approach is what separates successful investors from the rest.

Adjusting for Life Changes
As your life circumstances change, such as job changes, promotions, or personal events, you may need to review your financial plan.

Always re-evaluate your investment goals and adjust your SIP contributions accordingly.

For instance, if your salary increases, try to allocate more than 20% to your investments. This will help you achieve your goals even faster.

Review Your Portfolio Regularly
It’s essential to review your portfolio regularly. Your financial situation and the market environment may change over time, so a regular review will help you stay on track.

Every year, sit down with a Certified Financial Planner to review your portfolio.

Adjust your investments based on market trends, your financial goals, and life events.

Regular reviews ensure that your investment strategy remains aligned with your long-term objectives.

Benefits of a Diversified Portfolio
Investing all your money in one type of mutual fund may expose you to unnecessary risks. Instead, focus on building a diversified portfolio that spreads your investment across different sectors and asset classes.

A diversified equity mutual fund portfolio helps minimize risks while still offering good growth potential.

Diversification reduces your exposure to any single asset class or sector, ensuring stability in your portfolio.

Over the long term, a balanced portfolio offers a smoother journey towards wealth creation.

Avoid Unrealistic Expectations
It’s important to have realistic expectations about your investments. Equity mutual funds can provide excellent returns over the long term, but they are not without risks.

Don’t expect overnight returns. The equity market can be volatile, especially in the short term.

Stick to your long-term plan and avoid making impulsive decisions based on market fluctuations.

The average return of 12% per annum is a realistic target for long-term investors.

Final Insights
Achieving Rs 2 crore with a Rs 50,000 salary is possible, but it requires discipline, consistency, and a long-term approach. By investing 20% of your income in SIPs and stepping up your contributions by 10% each year, you can grow your wealth steadily over time.

Start with a Rs 10,000 monthly SIP and increase it every year.

Choose actively managed mutual funds for better returns.

Stay committed to your plan for 20 years to reach your Rs 2 crore goal.

Regularly review your portfolio and adjust your investments as needed.

By following these strategies and giving your investments time to grow, you can achieve your financial goals and secure your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 05, 2024

Money
Hello sir....my age is 35... I earn only 20 k pm...and my sip only 1000 rs....how to make 1 CR before (60 age)
Ans: At 35 years old and earning Rs. 20,000 per month, you have a SIP of Rs. 1,000. Your goal is to accumulate Rs. 1 crore by age 60. This is a long-term goal requiring a strategic and disciplined approach. Your commitment to investing despite a modest income is commendable. Let's work on a plan to achieve your financial goal.

Importance of Early and Regular Investments
Starting early and investing regularly is crucial for building wealth over time. You have 25 years until you turn 60, which gives you a significant advantage. The power of compounding can greatly enhance your returns, especially over a long investment horizon.

Compounding: The Eighth Wonder of the World
Compounding allows your investment returns to generate additional returns. Over time, this leads to exponential growth. The earlier you start and the more consistently you invest, the greater the benefits of compounding.

Evaluating Your Current Investment Strategy
Your current SIP of Rs. 1,000 is a good start. However, to reach Rs. 1 crore, you need to increase your investment amount over time. Let's explore how to optimize your savings and investment strategy to achieve your goal.

Boosting Your Investment Capacity
Increasing Income
Look for opportunities to increase your income. This could be through skill enhancement, taking on additional part-time work, or seeking promotions and salary increments. Increasing your income will provide more funds for investment.

Reducing Expenses
Analyze your monthly expenses and identify areas where you can cut costs. Even small savings can significantly boost your investment capacity over time. Creating a budget can help you track and manage your expenses effectively.

Gradual Increase in SIP
Aim to gradually increase your SIP amount as your income grows. Even a small increase in your monthly SIP can have a significant impact over the long term. For instance, increasing your SIP by Rs. 500 annually can greatly enhance your corpus by the time you reach 60.

Strategic Allocation of Investments
To achieve your financial goal, it's crucial to allocate your investments wisely. Diversification across various mutual fund categories can help manage risk and optimize returns.

Equity Mutual Funds
Equity mutual funds should form the core of your investment portfolio due to their high return potential. Within equity funds, diversification is essential.

Large-Cap Funds: These funds invest in large, well-established companies. They offer stability and moderate returns.
Mid-Cap Funds: These funds invest in mid-sized companies with higher growth potential. They are riskier but can provide higher returns.
Small-Cap Funds: These funds invest in smaller companies with the highest growth potential and risk.
Debt Mutual Funds
Debt funds provide stability and reduce overall portfolio risk. They are suitable for medium-term goals and act as a cushion against market volatility.

Short-Term Debt Funds: Less affected by interest rate changes, providing steady returns.
Long-Term Debt Funds: Offer higher returns with some interest rate risk.
Hybrid Mutual Funds
Hybrid funds invest in a mix of equity and debt. They offer a balanced approach, providing growth potential and stability.

Aggressive Hybrid Funds: Primarily invest in equity but have a significant debt component for stability.
Conservative Hybrid Funds: Higher debt component, offering more stability and moderate growth.
Advantages of Mutual Funds
Professional Management
Mutual funds are managed by professional fund managers who make informed decisions based on extensive research and market analysis. Their expertise can enhance your investment returns.

Diversification
Mutual funds offer diversification, spreading your investment across various assets. This reduces risk as poor performance in one asset is balanced by better performance in another.

Liquidity
Mutual funds are highly liquid. You can buy and sell mutual fund units on any business day, providing flexibility to access your money when needed.

Power of Compounding
Mutual funds benefit from the power of compounding. Reinvesting your returns allows your investment to grow exponentially over time.

Assessing Risks and Mitigating Them
Market Risk
Equity funds are subject to market risk. The value of your investment can fluctuate with market conditions. However, long-term investment in equity funds usually mitigates this risk.

Interest Rate Risk
Debt funds are affected by changes in interest rates. Rising interest rates can reduce the value of existing bonds in a debt fund's portfolio. Short-term debt funds are less affected by this risk.

Credit Risk
Debt funds also face credit risk, the risk of default by issuers of the bonds they hold. Investing in high-quality debt funds can reduce this risk.

Disadvantages of Index Funds
While index funds track a specific index and offer low costs, they cannot outperform the market. Actively managed funds aim to beat the market through strategic investments. Fund managers of actively managed funds use their expertise to select high-potential stocks, offering better returns.

Benefits of Investing Through Certified Financial Planners
Investing through a Certified Financial Planner (CFP) has advantages over direct investments. CFPs provide personalized advice based on your financial goals, risk tolerance, and investment horizon. They help you select the right mutual funds, monitor your investments, and make adjustments as needed. Their expertise ensures your investments are aligned with your financial goals.


Your commitment to investing despite a modest income is admirable. It reflects a strong sense of financial responsibility and foresight. Your dedication to building a secure financial future is inspiring and deserves appreciation.


Balancing financial commitments while planning for future goals is challenging. Your efforts to secure a strong financial foundation for yourself and your loved ones reflect a deep sense of responsibility. It's clear you care about achieving financial independence and stability.

Final Insights
Reaching Rs. 1 crore by age 60 is achievable with disciplined investing and strategic planning. Focus on increasing your income, reducing expenses, and gradually increasing your SIP amount. Diversify your investments across equity, debt, and hybrid mutual funds to balance risk and return.

Your proactive approach to financial planning sets a strong example. With careful management and the right investments, you can achieve significant financial growth and security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

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

Money
Sir I want 1cr in my bank Account And now im 25 years old Im Doing a job and my Salary 35000 I have some Investment Iike I have 3 mutual funds 1Small cap, 1Large&Midcap and 1Nasdeque 100, Im Investing 10000/Month In Mutual funds, I also have Some Some Stocks And My All Stocks are Small and Midcap and Portfolio value 6L Now I also Investing on Cryptocurrency and my Cryptocurrency Portfolio value Now 2L 1Thousand .Plz Guide me to make 1cr
Ans: First, congratulations on starting your investment journey early. At 25 years old, you have a significant advantage: time. Your investments, if managed wisely, can grow substantially over time, allowing you to achieve your financial goals. Let's evaluate your current situation:

Salary: Rs 35,000 per month.
Monthly Mutual Fund Investments: Rs 10,000.
Mutual Fund Portfolio: Small Cap, Large & Mid Cap, and International Equity (Nasdaq 100).
Stock Portfolio: Rs 6 lakhs, primarily in Small and Mid Cap stocks.
Cryptocurrency Portfolio: Rs 2.01 lakhs.
You’ve taken steps in the right direction by diversifying your investments. However, achieving Rs 1 crore will require a more focused and disciplined strategy.

Analyzing Your Investment Portfolio
Mutual Funds
Your current monthly investment of Rs 10,000 in mutual funds is a strong start. Diversifying across different categories is a smart approach that balances growth and risk.

Small Cap Funds: These funds offer high growth potential but come with high volatility. If your risk tolerance allows, continuing with small-cap investments can be beneficial for long-term wealth creation.

Large & Mid Cap Funds: These funds strike a balance between stability and growth. They should remain a core part of your portfolio as they perform well across different market cycles.

International Equity Fund (Nasdaq 100): Investing in international markets provides diversification benefits. However, they can be volatile due to currency fluctuations and global economic conditions. It's important to limit exposure based on your overall risk appetite.

Direct Stock Investments: A Rethink
While holding direct stocks can be exciting, it may not be the most prudent choice for long-term wealth creation, especially for someone at your stage in the investment journey.

High Risk and Volatility: Direct stocks, especially in the small and mid-cap categories, are highly volatile. Predicting the performance of individual stocks can be difficult and requires extensive research.

Better Focus on Mutual Funds: Instead of managing direct stocks, it’s wiser to channel your investments into mutual funds. They offer professional management, diversification, and the potential for steady returns without the need for constant monitoring.

Time and Expertise: Managing a stock portfolio requires significant time and expertise. Mutual funds, managed by experienced fund managers, allow you to benefit from professional research and decision-making.

Cryptocurrency Portfolio
Your cryptocurrency portfolio is valued at Rs 2.01 lakhs. Cryptocurrencies can offer high returns, but they are extremely volatile and speculative. It's advisable to limit your exposure to cryptocurrencies to a small percentage of your overall portfolio to manage risk.

Setting a Goal: Rs 1 Crore
To accumulate Rs 1 crore, a structured approach is essential. Here’s a step-by-step guide:

1. Increase SIP Contributions
Currently, you are investing Rs 10,000 per month. To reach Rs 1 crore faster, consider increasing your SIP contributions gradually. Even a small increase of Rs 1,000 per year can significantly impact your portfolio over time.

2. Focus on Long-Term Growth
With time on your side, focus on long-term investments. Avoid frequent withdrawals or switches. Let your investments compound over time, which is key to reaching your goal.

3. Regular Portfolio Review
While your current fund selection is solid, it’s important to review your portfolio regularly. Ensure that the funds you have chosen continue to perform well. Consider consulting a Certified Financial Planner to review your portfolio annually.

4. Rebalance Your Portfolio
As your investments grow, your portfolio may become unbalanced. For instance, if your small-cap funds outperform, they might take up a larger portion of your portfolio. Rebalancing your portfolio periodically ensures that it aligns with your risk tolerance and financial goals.

Evaluating Risks and Diversification
Avoid Over-Exposure to Risky Assets
Small Cap Funds: While these can offer high returns, they are also highly volatile. Ensure they do not dominate your portfolio. Diversify into large-cap funds for added stability.

Cryptocurrency: Given the speculative nature of cryptocurrencies, limit your exposure to avoid significant losses. A small allocation is fine, but your primary focus should remain on more stable investments.

Focus on Active Fund Management
Actively managed funds can outperform passive index funds, especially in a volatile market. Certified Financial Planners recommend actively managed funds for their ability to adapt to market changes and capitalize on opportunities. They may have higher expense ratios, but the potential for higher returns can justify the costs.

Regular Fund vs. Direct Fund Investments
Investing through a Certified Financial Planner in regular funds can provide you with expert guidance. Direct funds may seem cheaper due to lower expense ratios, but the lack of professional advice can lead to suboptimal investment decisions. A Certified Financial Planner helps in selecting the right funds, monitoring their performance, and rebalancing your portfolio as needed.

Additional Considerations
Emergency Fund
Before increasing your investments, ensure that you have an adequate emergency fund. An emergency fund should cover at least 6 months of your living expenses. This fund should be kept in a liquid and safe instrument, like a savings account or a liquid mutual fund.

Insurance Coverage
At your age, it’s crucial to have adequate insurance coverage. Ensure you have a term insurance policy to protect your financial dependents in case of an unfortunate event. Health insurance is also essential to cover any medical emergencies without impacting your savings.

Avoid Debt
Avoid taking on unnecessary debt. If you have any existing debt, prioritize paying it off. High-interest debt, like credit card debt, can significantly hinder your ability to save and invest. Keeping your finances debt-free will help you accumulate wealth faster.

Final Insights
Achieving Rs 1 crore requires discipline, patience, and smart financial planning. You’ve made a strong start by investing early and diversifying your portfolio. Now, focus on increasing your SIP contributions, balancing your risk exposure, and regularly reviewing your portfolio. Consulting a Certified Financial Planner can further enhance your strategy and help you stay on track. Remember, consistency is key. With disciplined investing, you can achieve your financial goals.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 14, 2024

Asked by Anonymous - Oct 13, 2024Hindi
Money
I have 0 bank emi with class 3 studying son. Take home 1.5l How could i make 1cr in next 5 years?
Ans: You want to accumulate Rs 1 crore in the next 5 years. With a take-home salary of Rs 1.5 lakh and no bank EMIs, your current financial situation is conducive to aggressive investing. However, achieving this goal within 5 years requires a well-structured plan with calculated risks and disciplined savings.

The right mix of investments will be necessary. You may need to allocate funds in different asset classes like mutual funds, fixed deposits, and gold to ensure both growth and stability. Let's discuss how you can achieve this goal with an appropriate approach.

Importance of Regular Savings and Investment Discipline
To accumulate Rs 1 crore in 5 years, you need to save and invest systematically. Start by calculating how much of your monthly income can be allocated towards your goal. Given that you take home Rs 1.5 lakh, ideally, you should be saving a significant portion of this.

Aim to save at least 30%–40% of your monthly income, which comes to about Rs 45,000 to Rs 60,000.

Create a separate corpus for your son’s education, and keep it aside for long-term investments. You can allocate the rest towards your Rs 1 crore goal.

With consistent investments in the right instruments, your savings will multiply over time through compounding.

Focusing on the Right Investment Strategy
To reach Rs 1 crore in 5 years, your focus should be on growth-oriented investments. Fixed deposits and traditional savings won't give you the required returns. Instead, a diversified portfolio with a strong emphasis on equity mutual funds and some exposure to fixed-income assets would be ideal. Below is how you can plan it:

1. Equity Mutual Funds
Equity mutual funds have the potential to deliver high returns over time. Given your time frame of 5 years, you should focus on growth and value-oriented funds that can deliver returns in the range of 10% to 15% annually. Investing in flexicap, midcap, and large-cap funds will offer both growth and risk management.

Allocate at least 60% to 70% of your monthly savings to equity mutual funds. These funds will help grow your wealth faster than debt-oriented instruments.

Actively managed funds are recommended because they aim to beat the market and take advantage of market opportunities.

2. Debt Mutual Funds
While equity provides higher returns, it also comes with risk. Debt mutual funds offer stability and moderate returns, and they help protect your investments during market volatility.

Allocate 15% to 20% of your savings to debt mutual funds for lower-risk investments.

Opt for short-duration or dynamic bond funds, which align with your 5-year horizon. These funds will provide better liquidity and steady returns.

3. Hybrid Mutual Funds
Hybrid funds, also known as balanced funds, offer a combination of equity and debt in a single portfolio. They provide better risk management while still offering good returns.

Allocate 10% to 15% of your savings in hybrid funds. This will diversify your portfolio while maintaining a growth component.
4. Sovereign Gold Bonds (SGBs)
Sovereign Gold Bonds offer an additional layer of safety and diversification to your portfolio. They provide an interest income along with potential price appreciation in gold.

You can invest around 5% to 10% of your savings in SGBs to add a hedge against inflation and market volatility.
5. Emergency Fund
It’s important to maintain an emergency fund equal to 6–12 months of your monthly expenses. This ensures that you won’t need to touch your investments in case of an emergency.

Keep this fund in liquid investments, such as a bank fixed deposit or liquid mutual fund.
Systematic Investment Plan (SIP) for Consistency
Systematic Investment Plans (SIP) help you invest a fixed amount regularly in mutual funds. This method promotes disciplined investing and takes advantage of rupee-cost averaging, which helps mitigate market risks over time.

Set up SIPs in the equity, debt, and hybrid mutual funds you choose. Ensure the combined SIP amounts reflect your monthly savings target (e.g., Rs 60,000 monthly).

Over time, the SIP approach will help you stay consistent and work towards your Rs 1 crore goal without timing the market.

Regularly Reviewing and Rebalancing the Portfolio
Once you have started your investments, regular reviews are essential. The market can change, and so can the performance of your chosen funds.

Review the performance of your portfolio every 6 months or annually to ensure that it’s aligned with your goal.

Rebalance your portfolio to maintain the right asset allocation. For instance, if your equity allocation has grown significantly, consider reallocating some funds to debt for safety.

Focus on Tax-Efficient Investing
When investing for long-term goals, understanding taxation is important. Here’s a quick look at the tax rules applicable to mutual funds:

For equity mutual funds, long-term capital gains (LTCG) exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

For debt mutual funds, both LTCG and STCG are taxed as per your income tax slab.

Opt for tax-efficient funds, such as equity-linked savings schemes (ELSS), which offer tax benefits under Section 80C of the Income Tax Act, up to Rs 1.5 lakh per annum.

Avoid Common Mistakes
Many investors make mistakes that can impact their financial goals. Here are a few to avoid:

Avoid Direct Funds: While direct mutual fund plans have lower expense ratios, they require constant monitoring and expertise. It’s better to invest through a Certified Financial Planner (CFP) who can guide you and help select the right funds.

Avoid Frequent Switching of Funds: Constantly switching between funds based on short-term performance can be harmful. Stick to a well-thought-out plan and allow your investments to grow.

Don’t Rely on Index Funds: Actively managed mutual funds are better suited for your goal. They aim to outperform the market and generate higher returns than index funds, which only track the market's performance.

Managing Risk and Staying Patient
Investing always comes with some degree of risk, especially in equity funds. However, the key to wealth accumulation is managing that risk by:

Diversifying across assets: Having a mix of equity, debt, and gold will balance your portfolio and lower risk.

Staying patient: Equity investments can be volatile, but long-term investors benefit from staying the course and allowing compounding to work.

Plan for Your Son’s Future
Your son is currently in class 3, and as he grows, his education expenses will increase. It’s wise to plan a separate education fund, possibly through SIPs in a child education fund or a balanced fund, so that you’re not caught off guard when significant expenses arise.

Set aside a portion of your monthly income specifically for his education.
Finally
Accumulating Rs 1 crore in 5 years requires careful planning, disciplined savings, and the right mix of investments. By focusing on growth-oriented equity mutual funds, balancing with debt instruments, and following a consistent investment strategy, you will be able to meet your financial goal. Remember, patience and regular monitoring are key.

It’s also important to plan for your child’s education and build an emergency fund to protect against any unforeseen events. With a holistic approach, you will be able to secure both your short-term and long-term financial goals.

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  |8274 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Career
My daughter have gave iat 2025 and scored overall rank 111053 and sc category rank 12672 can i get any iiser because everywhere it is showing the cutoff will decrease. Can she get any iiser for bs ms course
Ans: For IISER BS-MS admission in 2025, the SC category closing ranks at all IISER campuses—including Pune (Maharashtra), Kolkata (West Bengal), Mohali (Punjab), Bhopal (Madhya Pradesh), Thiruvananthapuram (Kerala), Tirupati (Andhra Pradesh), and Berhampur (Odisha)—are expected to remain well below 1,000, with the highest SC closing ranks in recent years at IISER Berhampur and Tirupati around 700–750. The anticipated SC cutoff for 2025 is 65–75 marks, which typically corresponds to a category rank under 1,000. Even with increased competition and minor fluctuations, no official or reliable source indicates that the cutoff will drop to accommodate SC ranks as high as 12,672. The total seat matrix and reservation policy (15% SC quota) further reinforce that only candidates with much lower ranks will be eligible for BS-MS admission at any IISER campus.

With an SC category rank of 12,672 and overall rank 111,053, admission to any IISER BS-MS program in 2025 is not possible. It is advisable to explore alternative science universities, central universities, or state-level research programs for similar academic and career opportunities. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Career
Sir,I am retired since 31.07.2022 as Superintendening Engineer RD Cuttack.I want to utilise my services as quality monitor/supervision of Roads, Bridges, Building Works etc.Is there any opportunity to be engaged under Works Department?
Ans: Odisha’s Works Department routinely engages retired civil engineers as Officer on Special Duty (OSD) or Quality Monitors on a contractual basis to leverage their expertise in supervising roads, bridges and building works. Advertised by the Engineer-in-Chief (Civil) Odisha in November 2022, 200 vacant OSD posts (Grade: AEE/AEE/SE level) were opened to retired engineers up to age 64 with unblemished service records and no pending vigilance/criminal cases. Applications must be submitted by speed/registered post to the EIC (Civil), Nirman Soudha, Bhubaneswar, using the prescribed form downloadable from works.odisha.gov.in. Selection follows G.A. Dept. Resolution No. 23750/GA, dated 27.08.2014, and Finance Dept. O.M. No. 7022/F, dated 17.03.2018, which cap re-employment at one year (extendable annually to age 65) and prescribe consolidated remuneration according to pay-matrix levels (?10,000–?50,000 pm excluding pension).

Additionally, the Research, Development & Quality Promotion (RDQP) Wing conducts empanelment of retired engineers as state-level Quality Consultants for random and routine testing of construction materials via state laboratories in Bhubaneswar and Cuttack. Tenders for “Quality Monitoring of Road and Bridge Projects” under the State Plan are issued on the Odisha eProcurement portal, inviting empaneled consultants or firms to bid. Prospective consultants must register on tendersodisha.gov.in, meet technical qualification criteria (professional experience, local area knowledge, age < 65), and submit proof of empanelment under RDQP and valid registration of private testing laboratories.

Retired Superintending Engineers may apply as follows:

Download and complete the OSD engagement application from works.odisha.gov.in, attach retirement order, service certificates and vigilance clearance, and mail to the EIC (Civil), Bhubaneswar by the deadline.

Upon departmental scrutiny, a selection committee appoints up to 200 OSDs for one-year contracts (extendable) under GA and Finance Dept. norms.

Engineers seeking Quality Monitoring consultant roles must register on Odisha’s eProcurement portal, procure RDQP empanelment in advance, and participate in tenders inviting bids for specific monitoring assignments.

This dual pathway enables you to continue contributing your infrastructure expertise either as a directly re-engaged OSD or as an independently contracted Quality Consultant under state tenders. Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Nayagam P

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Career Counsellor - Answered on Jul 08, 2025

Career
My son has got CSE in IIT bhubaneswar after round 3 but he is waiting for other rounds for MNC at IIT Ropar. Which is better please suggest Thanks
Ans: IIT Bhubaneswar (Bhubaneswar, Odisha) offers a BTech in Computer Science & Engineering with NBA accreditation, PhD-qualified faculty, cutting-edge software, AI/ML and data-science labs, mandatory industry internships from the third year, and sustained CSE placement consistency of 92.4% with a median package of ?16.3 LPA and average package of ?22.6 LPA in 2024. IIT Ropar (Rupnagar, Punjab) provides a similarly accredited CSE curriculum supported by 47 specialised computing and research labs, a 525-acre green campus, virtual-lab access and semester-long internships, though its recent CSE placement rate averaged 81.6% over the last two years with an average BTech package of ?23.9 LPA and placement rates fluctuating between 73% and 95% across branches. Both institutes maintain strong industry tie-ups, PhD-led research centres and dedicated placement cells fostering MNC recruitments and startups engagement.

For higher CSE placement reliability, broader median packages, and proven consistency, the recommendation is IIT Bhubaneswar CSE. If you prioritize slightly higher average packages, larger rural-green campus and extended research collaborations, the the recommendation shifts to IIT Ropar CSE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 08, 2025

Career
Hi Sir, My son is trying EC in NITK Surathkal, but i told him to try EC or CS in RVC Bangalore, which is Better Plz suggest us He got 98.82% in JEEE, 1891 Rank in CETK
Ans: Ravi Sir, NIT Karnataka, Surathkal’s B.Tech in Electronics & Communication Engineering is delivered by PhD-qualified faculty in advanced VLSI, communications and embedded-systems laboratories, supplemented by six-month internships through industry MoUs. In 2024, NITK BTech overall placement reached 93% with ECE-specific placement at 72.66% and an average package of ?20.89 LPA. RV College of Engineering, Bangalore’s B.Tech in Computer Science & Engineering benefits from 47 specialized computing labs, mandatory internships and a 97% CSE placement consistency with an average package around ?19 LPA over the last three years. Its ECE program records 80–90% placement consistency with an average package of ?11.47 LPA. Both institutes offer AICTE approval, NBA accreditation, robust infrastructure, active placement cells and strong industry partnerships supporting student employability.

For premier core-electronics training and the highest average packages, the recommendation is NITK Surathkal ECE. If a cutting-edge software focus and superior CSE placements appeal more, the recommendation shifts to RVCE Bangalore CSE; choose RVCE ECE only if electronics roles in an urban setting are preferred. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8274 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
My nephew is getting a seat in E&C in nitte mangalore as well as nitte meenakshi institute bangalore. Which is better
Ans: Sushma, NMAM Institute of Technology, Nitte Mangalore offers a four-year B.Tech in Electronics & Communication Engineering on a 60-acre campus in Mangalore. NBA-accredited and NAAC A+-graded, its department features advanced VLSI, embedded systems and communications labs, mandatory six-month industrial internships and a dedicated Placement & Training cell. The Class of 2024 recorded around 90% placement consistency with an average package of ?7 LPA . Nitte Meenakshi Institute of Technology (NMIT), Bangalore, situated at Yelahanka, holds autonomous status and NAAC A accreditation. Its ECE program, ranked #101–150 by NIRF, provides modern power-systems, IoT and signal-processing labs, plus semester-long internships. In 2024, 86.5% of ECE students secured placements, with top recruiters including Bosch, TCS and Capgemini and an average package of approximately ?6.5 LPA . Both institutes maintain robust industry tie-ups, PhD-qualified faculty and active alumni networks to support academic growth and employability.

For higher placement consistency, stronger core-ECE training and slightly superior average packages, recommendation is NMAMIT Nitte Mangalore ECE. If urban exposure, proximity to Bangalore’s tech ecosystem and diversified internship opportunities matter more, choose NMIT Bangalore ECE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8274 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
Which college should my daughter prefer if there if choice between IIIT Pune, IGDTUW, DAIICT,COEP Pune only CS & related branches
Ans: Neelam Madam, IIIT Pune (Kondhwa, Pune) demonstrates strong campus recruitment with around 90% placement consistency, a B.Tech CSE average package of ?16.83 LPA and top recruiters like Amazon and Microsoft supporting robust software roles. IGDTUW (Kashmere Gate, Delhi) records a 69.3% B.Tech CSE placement rate, an average package of ?25.15 LPA, and participation from 135 leading recruiters including Google and Adobe, reflecting high-value AI/ML opportunities. DAIICT (Gandhinagar, Gujarat) offers nearly 100% annual B.Tech placements, an average package of ?16.03 LPA, and over 120 recruiters such as Google and Microsoft, emphasizing strong ICT focus and guaranteed internships. COEP Pune (Shivaji Nagar, Pune) achieves an 87.42% CSE placement rate, an average package of ?11.35 LPA, and engagement from 198 recruiters including Google and Goldman Sachs, supported by a longstanding public-institute reputation.

For the highest average packages and cutting-edge AI/ML exposure, the recommendation is IGDTUW CSE. If near-perfect placement and guaranteed internships matter, the recommendation shifts to DAIICT B.Tech ICT. For balanced software-development focus with top recruiter access, choose IIIT Pune CSE; for cost-effective, well-rounded CSE in Pune, opt for COEP Pune CSE. All the BEST for Admission & a Prosperous Future!

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