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Should I invest in Flexi cap, Large cap, or Multicap for my SIP?

Ramalingam

Ramalingam Kalirajan  |8495 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 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
Suresh Question by Suresh on Feb 23, 2025Hindi
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Flexi cap , Large cap and multicap, which is the best fund option from these three for sip for 10-15 years .

Ans: Investing in mutual funds through SIP is a great approach. It brings discipline and helps in wealth creation.

For long-term goals like 10-15 years, selecting the right fund category is important. Let's assess the three options:

Flexi-Cap Funds
These funds have the flexibility to invest across large, mid, and small-cap stocks.

Fund managers adjust allocations based on market conditions.

They aim to capture growth opportunities across market segments.

Performance depends on fund manager expertise in allocation shifts.

Suitable for investors seeking dynamic allocation and diversification.

Large-Cap Funds
Invest in the top 100 companies based on market capitalisation.

These companies have stable earnings and lower volatility.

Risk is lower compared to mid and small-cap segments.

Returns may be moderate but relatively stable over the long term.

Ideal for conservative investors who prefer stability with growth.

Multi-Cap Funds
These funds invest in large, mid, and small-cap stocks, but with fixed allocation rules.

SEBI mandates a minimum of 25% in each category.

Less flexible compared to flexi-cap funds.

Risk and return potential is higher than large-cap funds but lower than flexi-cap funds.

Suitable for those who want exposure to all market segments in a structured way.

Which is the Best Choice for SIP?
For a 10-15 year SIP, flexi-cap funds are the best option.

Reasons:

The fund manager can shift allocation as per market trends.

It offers a balance of stability and high-growth opportunities.

Long-term compounding benefits are maximised with market cycles.

Reduces risk by avoiding over-exposure to any single market segment.

If you prefer stability with steady growth, large-cap funds are a good choice.

Multi-cap funds work well if you want exposure across all segments but with fixed allocation.

Final Insights

Flexi-cap funds are the best option for a long-term SIP of 10-15 years.

Large-cap funds suit investors with a lower risk appetite.

Multi-cap funds are structured but lack flexibility.

Always check the fund manager’s track record before investing.

Reviewing your SIP performance every 2-3 years is essential.

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  |8495 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 14, 2024Hindi
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Money
Hello Sir, I am already investing 5k in flexi cap and want to invest around 25k more in SIP for the next 15 years. Could you please let me know what other MF types should I invest in . My target corpus is 5 Cr.
Ans: That's fantastic! You're already on your way to a great future with your existing flexi-cap fund investment. Adding Rs. 25,000 more monthly for 15 years shows real commitment! Let's explore some options to help you reach your Rs. 5 crore target corpus.

Diversification is Key!

While a flexi-cap fund offers good diversification across market capitalizations, consider adding other fund types to spread your risk further. Here are some ideas:

Large-Cap Funds: These invest in established companies, offering stability and potentially lower risk.

Mid-Cap Funds: These focus on medium-sized companies with growth potential, but also carry more risk than large-cap funds.

Actively Managed Expertise

Actively managed funds have experienced fund managers who make investment decisions to try and outperform the market. This approach can be beneficial compared to passively managed funds, which simply track an index.

Professional Guidance with a CFP

Choosing the right mix of funds is crucial. A Certified Financial Planner (CFP) professional can analyze your risk tolerance, goals, and investment timeframe. They can help you:

Select Funds: Pick funds that work together to create a well-diversified portfolio.
Review & Rebalance: Regularly assess your portfolio and make adjustments as needed.
Maximizing Your Investment

Regular plans with a CFP professional can offer some advantages over direct plans. A CFP can:

Stay on Track: Guide you through market ups and downs to keep you invested.
Save on Costs: Help you potentially minimize investment expenses.
Remember:

This is a general overview, and there's no one-size-fits-all answer. A CFP can create a personalized plan based on your unique situation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8495 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jun 28, 2024Hindi
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Money
Please suggest mf sip for 5 to 10 years and one large cap ,one small cap for 1l each for 2 years.
Ans: Investing in mutual fund SIPs for 5 to 10 years can help you build a substantial corpus. It’s important to select funds that align with your risk tolerance and investment horizon.

Equity Mutual Funds
Large-Cap Fund:

Advantages:

Invests in top companies with stable growth.

Lower risk compared to mid-cap and small-cap funds.

Recommendation:

Choose a fund with a strong track record.

Look for consistency in performance.

Mid-Cap Fund:

Advantages:

Invests in emerging companies with high growth potential.

Higher returns compared to large-cap funds.

Recommendation:

Opt for a fund with a proven fund manager.

Check the fund’s performance in different market conditions.

Multi-Cap Fund:

Advantages:

Diversified across large-cap, mid-cap, and small-cap stocks.

Balanced risk and return.

Recommendation:

Select a fund that dynamically adjusts its portfolio.

Ensure it has a good performance history.

Debt Mutual Funds
Corporate Bond Fund:

Advantages:

Invests in high-rated corporate bonds.

Provides stable returns with lower risk.

Recommendation:

Choose a fund with a high credit rating.

Look for consistency in returns.

Short Duration Fund:

Advantages:

Invests in debt securities with short maturity.

Less affected by interest rate changes.

Recommendation:

Opt for a fund with a diversified portfolio.

Check the fund’s yield and credit quality.

Hybrid Mutual Funds
Aggressive Hybrid Fund:

Advantages:

Invests in both equities and debt.

Balanced risk with potential for higher returns.

Recommendation:

Choose a fund with a dynamic asset allocation strategy.

Ensure it has a strong track record.

Recommended Lump Sum Investments for 2 Years
Investing Rs. 1 lakh each in large-cap and small-cap funds for a short term of 2 years requires careful selection. Focus on funds with lower volatility and stable performance.

Large-Cap Fund
Advantages:

Invests in well-established companies.

Lower risk and more stable returns.

Recommendation:

Choose a fund with strong financials.

Look for consistent performance over the past 3-5 years.

Small-Cap Fund
Advantages:

Invests in smaller companies with high growth potential.

Higher returns compared to large-cap funds.

Recommendation:

Opt for a fund with a solid track record.

Ensure the fund manager has experience in small-cap investments.

Key Considerations
Diversification
Spread your investments across different asset classes.

Reduces overall risk and enhances returns.

Regular Monitoring
Review your investments periodically.

Make adjustments based on market conditions and personal goals.

Professional Guidance
Consult a Certified Financial Planner for personalized advice.

They can help align your investments with your financial goals.

Emergency Fund
Maintain a separate emergency fund.

Provides financial security during unforeseen events.

Final Insights
Investing in mutual fund SIPs and lump sum in large-cap and small-cap funds can help achieve your financial goals. Focus on diversification, regular monitoring, and professional guidance. This strategy aligns with your medium to moderate risk appetite and ensures capital protection and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8495 Answers  |Ask -

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

Asked by Anonymous - Jul 17, 2024Hindi
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Money
Which fund should I choose for Sip is it JM flexi cap fund? Either should I go for Edelweiss business cycle fund. Investment horizon 15 years. Per month Sip 7-9 k
Ans: Flexi Cap Funds
Flexi cap funds invest across large, mid, and small cap stocks.

They provide flexibility to the fund manager.

This allows for better adjustment to market conditions.

Flexi cap funds can offer balanced growth and risk management.

Business Cycle Funds
Business cycle funds focus on sectors based on economic cycles.

They can outperform in specific market phases.

These funds may be more volatile.

They require precise timing and market knowledge.

Investment Horizon and SIP
Long-Term Horizon
You have a 15-year investment horizon.

This is suitable for equity investments.

Equity funds generally perform well over long periods.

Market volatility can be averaged out.

Monthly SIP
Your SIP amount is Rs 7,000 to Rs 9,000 per month.

SIPs help in disciplined investing.

They benefit from rupee cost averaging.

Regular investments reduce the impact of market fluctuations.

Active Management Over Index Funds
Disadvantages of Index Funds
Index funds track market indices.

They do not outperform the market.

There is no active management.

Returns are limited to the index performance.

Benefits of Actively Managed Funds
Actively managed funds have professional fund managers.

They aim to outperform the market.

They use research and market analysis.

These funds offer potential for higher returns.

Regular Funds Over Direct Funds
Disadvantages of Direct Funds
Direct funds have lower expense ratios.

They lack professional advisory services.

Investors may miss out on expert guidance.

Benefits of Regular Funds
Regular funds come with advisory services.

Investing through a Certified Financial Planner (CFP) offers expert advice.

CFPs help align investments with goals.

They provide regular reviews and adjustments.

Diversification and Risk Management
Flexi Cap Funds for Diversification
Flexi cap funds offer diversification across market caps.

They balance risk and reward.

They adjust to market trends effectively.

Business Cycle Funds for Strategic Growth
Business cycle funds can add strategic growth.

They require careful monitoring.

Investors need to understand economic cycles.

Flexibility and market timing are crucial.

Recommendations
Choosing Between the Two
For a 15-year horizon, consider your risk tolerance.

Flexi cap funds offer stability and diversified growth.

Business cycle funds can provide higher returns with more volatility.

Professional Guidance
Consult a Certified Financial Planner.

They will assess your risk profile and financial goals.

They provide tailored advice and regular reviews.

Balanced Approach
Consider a mix of both fund types.

This balances stability and strategic growth.

Adjust your portfolio based on market conditions and personal goals.

Final Insights
Your 15-year horizon is ideal for equity investments.

SIPs ensure disciplined and regular investing.

Flexi cap funds offer diversified growth and risk management.

Business cycle funds provide strategic growth with higher volatility.

Avoid index funds and direct funds.

Choose regular funds with professional guidance.

Consult a Certified Financial Planner for tailored advice.

Maintain a balanced approach for optimal growth and stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8495 Answers  |Ask -

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

Money
Looking to start SIP . We came up with flexi cap , multi cap and thematic fund for investment . Kindly guide if i had to choose just one , which one would be better.
Ans: Your interest in starting a SIP in equity mutual funds is a great step. Selecting the right category is key for achieving your financial goals. Let us assess the three fund types to help you make an informed decision.

Understanding Flexi Cap Funds
Investment Approach: Flexi cap funds invest across large-cap, mid-cap, and small-cap stocks.

Flexibility Advantage: Fund managers have the freedom to allocate funds as per market conditions.

Risk and Return Profile: These funds balance stability and growth. They suit investors with moderate to high risk tolerance.

Diversification: You benefit from diversification across market capitalisation, reducing risk.

Recommended For: Long-term investors seeking steady returns with lower volatility.

Overview of Multi Cap Funds
Diversified Investment: Multi cap funds invest at least 25% in large-cap, mid-cap, and small-cap stocks.

Balanced Exposure: This allocation ensures exposure to all segments, reducing dependency on one category.

Risk Profile: These funds are slightly riskier than flexi cap funds due to mandated small-cap exposure.

Consistent Returns: Historically, multi cap funds have delivered stable and competitive returns.

Recommended For: Investors aiming for balanced growth over a long term.

Insights on Thematic Funds
Sector-Specific Focus: Thematic funds invest in specific themes, sectors, or industries like technology or infrastructure.

Higher Risk: Concentrated exposure increases sector-specific risk. Returns depend on the theme’s performance.

Volatility: These funds are highly volatile and require active monitoring.

Time-Dependent Success: Themes may perform well only during certain economic phases.

Recommended For: Seasoned investors with a high-risk appetite and deep market understanding.

Key Factors to Consider When Choosing
Investment Horizon
A longer horizon (7-10 years) benefits from flexi cap and multi cap funds.
Thematic funds suit shorter periods if timed with market cycles.
Risk Tolerance
Flexi cap funds carry moderate risk, ideal for balanced investors.
Multi cap funds are riskier but provide exposure to small-cap growth potential.
Thematic funds are best for aggressive investors with sector knowledge.
Diversification
Flexi cap funds offer flexibility and broad diversification.
Multi cap funds mandate a fixed allocation across all market caps.
Thematic funds lack diversification due to sector concentration.
Fund Manager’s Expertise
Thematic funds require a skilled fund manager with a strong understanding of the theme.
Flexi and multi cap funds also depend on manager expertise but involve less concentration risk.
Advantages of Active Funds Over Index Funds
Active funds aim to outperform the market, while index funds only match it.
Skilled fund managers in active funds adjust allocations during market changes.
Index funds may underperform during volatile or corrective phases.
Importance of Investing Through Regular Plans
Regular plans with Certified Financial Planners provide ongoing monitoring.
They ensure timely rebalancing of your portfolio based on market conditions.
Direct plans lack expert guidance, which may lead to missed opportunities.
Final Insights
If you must choose one, flexi cap funds are the most versatile and balanced option. They offer stability, diversification, and growth potential. Multi cap funds are also strong performers for long-term goals.

Thematic funds can be rewarding but are highly volatile and risky. They suit seasoned investors or as a small portion of your overall portfolio.

Focus on aligning your investment choice with your goals and risk appetite. A Certified Financial Planner can help you optimise your SIP strategy for better wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4814 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Career
I scored 92 percentile in JEE Mains this year, with a CRL of 114158 and Category Rank of 16452. I belong to the GEN-EWS category and my home state is Bihar. I am very new to the counselling process and nobody in my entire length of family or friends knows anything about it either. Could you tell me the government colleges where I could get admission at this score and branches as well? Please also tell me the counselling process.
Ans: Arunoday, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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

...Read more

Nayagam P

Nayagam P P  |4814 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Asked by Anonymous - May 21, 2025
Career
Sir I got 89.31 percentile in Jee mains and 61 percent in boards which will be the best college for me with cse branch
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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

...Read more

Nayagam P

Nayagam P P  |4814 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Asked by Anonymous - May 21, 2025
Career
My jee mains rank is 132121 general Bihar best college through this rank
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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

...Read more

Nayagam P

Nayagam P P  |4814 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Career
Sir i got 86 %ile in jee mains General category Rajasthan and 84.2 % in boards. Pls suggest some colleges where i can get cse or ece..Plssss
Ans: Yashdeep, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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Nayagam P

Nayagam P P  |4814 Answers  |Ask -

Career Counsellor - Answered on May 23, 2025

Asked by Anonymous - May 21, 2025
Career
Hello, I got 96.6percentile in JEE Main. But I got 73%in 12th board. Can you please recommend where I can get admission preferably NIT, IIIT
Ans: Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions and a bright future!

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

...Read more

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