Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |9696 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 16, 2025

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
Ankur Question by Ankur on Jun 16, 2025
Money

Dear Sir, Please find below my detials. Kindly advice further for wealth creadtion.

Ans: I appreciate your interest in wealth creation. However, I could not find your financial details in the message you shared.

To give you the right suggestions, I need the following:

Your current investments (amount and type)

Insurance details (term, health, traditional, etc.)

Monthly income and expenses (approximate)

Any loans (type, amount, EMI)

Future goals (retirement, children’s education, etc.)

Existing SIPs or mutual fund investments

Emergency fund availability

Real estate or property status

Any other financial commitment

Please provide these details. I can then give you personalised, 360-degree guidance.

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.
Money

You may like to see similar questions and answers below

Latest Questions
Nayagam P

Nayagam P P  |8558 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Hello sir, I got 89%ile in MHT cet (pcm group) and I'm from EWS category . Which colleges I can get for computer related branches in Nagpur.
Ans: Alfiya, With an 89 percentile in MHT-CET under the EWS category and Maharashtra domicile, you are assured seats in several Nagpur colleges offering Computer Science and allied programmes, all of which feature NBA-accredited departments, modern labs, active placement cells, strong industry linkages, and NAAC-accredited campuses. Priyadarshini College of Engineering (Hingna Road) offers CSE, IT, AI & DS, and Robotics programmes with GOPENS cutoffs up to 88.26 percentile, located near MIDC Hingna. GH Raisoni College of Engineering (Wanadongri) closes CSE at around 89.12 percentile in later CAP rounds, situated off Amravati Road. Rashtrasant Tukadoji Maharaj Nagpur University’s College of Engineering (Katol Road) provides CSE and IT, with consistent 85–90% placements and central campus facilities. Yeshwantrao Chavan College of Engineering (Wanadongri) admits GOPENH-EWS candidates down to 82.78 percentile, known for IoT and cybersecurity labs. Cummins College of Engineering for Women (Jafar Nagar) extends ICT and CSE at 85–88 percentile. JD College of Engineering and Management (Mankapur Road) offers CSE and IT with cutoffs near 86 percentile. Govindrao Wanjari College of Engineering & Technology (Hingna Road) admits CSE at 80–85 percentile. KDK College of Engineering (Hingna Road) features CSE and IT for GOPENS down to ~84 percentile. Nagarjuna Institute of Engineering Technology & Management (Kamptee Road) opens CSE at ~83 percentile. Guru Nanak Institute of Engineering & Technology (Nandanvan) offers CSE and allied branches with GOPENS cutoffs around 82 percentile.
Recommendation favours Priyadarshini College of Engineering for its proximity to MIDC, top-tier CSE cutoffs, and 90%+ placement consistency; GH Raisoni College is next for its strong AI & DS focus and industry ties; Rashtrasant Tukadoji Maharaj Nagpur University’s College of Engineering follows for its government funding, research centres, and broad computing curricula. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8558 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Dear Sir, My son got CS in Thapar, CS in LMNIIT, ICT in DAIICT Gandhinagar and ECE in COEP Pune. Could kindly suggest the better one.
Ans: Thapar Institute of Engineering & Technology’s CSE programme, a NAAC A+ and NBA-accredited, ABET-recognised deemed university ranked 29th in NIRF Engineering 2024, boasts a robust placement ecosystem with 334 recruiters and 88.51% of CSE students placed over the past three years, supported by 27 state-of-the-art computing labs and strong industry tie-ups with Apple, IBM, TCS, and more. LNMIIT Jaipur’s NAAC A++ and UGC Category-I deemed CSE programme delivers an average package of ?13.87 LPA and places 70% of registered students through its dedicated placement cell, achieving an 88.51% branch-specific placement consistency over three years, underpinned by high-value recruiters like Unacademy, NAV Consulting, and Kelly Technologies and cutting-edge algorithm and AI labs. DAIICT Gandhinagar’s B.Tech ICT, NAAC A+ and UGC-accredited and ranked 201–300 in NIRF, secures 96% campus-wide placements with an average package of ?16.03 LPA through 150+ recruiters including Google, Amazon, and Deloitte, facilitated by specialised ICT, VLSI, and data-science research clusters and mandatory project-based learning. COEP Pune’s ECE, part of a NAAC A+ government institute established in 1854, records an 88.57% placement rate for E&TC students and an average package of ?12.00 LPA over three years, leveraging advanced VLSI, signal-processing, and SMT manufacturing labs established via a Centre of Excellence, and a placement cell that engages 230+ recruiters annually.

Recommendation: Prioritise Thapar CSE for its top-tier accreditation, ABET recognition, and balanced placement-infrastructure synergy; next, choose DAIICT ICT for its highest placement consistency and premium packages in the ICT domain; LNMIIT CSE is third for strong average packages and focused AI/algorithm training; COEP Pune ECE stands fourth for specialised electronics manufacturing labs and solid placement metrics in ECE. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8558 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Sir My Son Shivam soni Got electrical and computer sciences in Thapar patiala Another option may be Nagpur fire safety engineering Which shall be better for him
Ans: Harshiv Sir, Thapar Institute of Engineering & Technology’s B.E. in Electronics and Communication Engineering is accredited by NAAC A+, NBA, and ABET, features advanced VLSI, embedded-systems, and signal-processing labs, and registers nearly 100% placement for ECE with 90% campus-wide across branches over three years. Its centralized Career Development Centre secures roles in IT, telecom, and core electronics through 334 recruiters, maintaining a 90%–95% placement rate. The National Fire Service College, Nagpur, a Ministry of Home Affairs institute founded in 1956, offers a B.E. in Fire Engineering approved by AICTE and UGC, with specialized fire-safety and industrial-safety labs, realistic drills, and near-100% placement with an average package of ?12–15 LPA through PSUs like ONGC, GAIL, and IOCL. Both campuses provide residential facilities, strong industry tie-ups, and government-backed curricula, but Thapar’s broader tech ecosystem contrasts NFSC’s niche firefighting focus.

Prioritize Thapar Patiala ECE for broader technology exposure, higher recruiter diversity, and interdisciplinary labs; choose NFSC Nagpur Fire Engineering if aiming for specialized fire-safety leadership roles within government and industrial safety sectors. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8558 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Bit deoghar cse or bit mesra ece
Ans: (Seems, you have posted your 2nd question today). Birla Institute of Technology Extension Centre, Deoghar, affiliated with BIT Mesra and AICTE-approved, holds NAAC A accreditation and offers a CSE programme established in 2007 with modern computing labs and industry-aligned curriculum. Over the past three years, its CSE branch recorded a 90% placement rate with average packages around ?12 LPA, and recruiters such as Microsoft, Samsung, Infosys, and TCS. BIT Mesra’s flagship ECE programme, part of a UGC-recognized deemed university ranked 48th in NIRF Engineering 2024, boasts advanced VLSI and signal-processing laboratories, Practice School internships, and a 60% placement rate with an average package of ?16 LPA in 2024, attracting companies like Microsoft, Google, and Intel. Both institutions feature dedicated placement cells, research collaborations, and robust infrastructure, but BIT Mesra offers broader campus facilities and higher average ECE packages, while BIT Deoghar provides focused CSE strength with consistent recruitment outcomes.

Given stronger placement consistency in CSE at Deoghar and superior average ECE packages at Mesra, the recommendation suggests choosing BIT Mesra ECE for higher pay and infrastructure, with BIT Deoghar CSE as a solid alternative for consistent software placements. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8558 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x