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Will I Get Loan for Son's Higher Education in MIT?

Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 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 - Jun 24, 2024Hindi
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Sir my son is getting lower branches in nit but in mit Manipal he is getting cse I can only afford 1st year fees but not from 2nd year as my income is 5LPA with no collateral will i get an education loan for my son from second year onwards

Ans: Your son has two options: a lower branch at NIT or CSE at MIT Manipal. You can only afford the first year's fees at MIT Manipal. Your annual income is Rs 5 lakhs, and you have no collateral for an education loan. Let's explore the financial aspects and options available for managing your son's education.

Education Loan Overview
Collateral-Free Education Loans

Many banks offer collateral-free education loans. These loans are typically up to Rs 7.5 lakhs. However, for higher amounts, collateral might be required. Since you need a loan for the second year onwards, this could be a feasible option.

Eligibility and Requirements

The eligibility criteria include the student's academic performance and the course's credibility. Your son getting CSE at MIT Manipal makes him a good candidate. Banks will consider your income, but the main focus will be on your son’s future earning potential.

Evaluating Loan Options
Government Schemes

Check for government education loan schemes like the Vidya Lakshmi Portal. These schemes provide easy access to multiple loan options. They also offer subsidies on interest for economically weaker sections.

Bank Education Loans

Major banks offer education loans with flexible repayment terms. Approach them with detailed information about the course and the future earning potential of a CSE graduate. Banks are more likely to approve loans for high-demand courses like CSE.

Managing the Loan Repayments
Moratorium Period

Most education loans come with a moratorium period. This means you don’t have to start repaying the loan immediately. The repayment typically begins after your son completes the course. This provides financial relief during the study period.

Interest Rates and EMIs

Compare interest rates from different banks. Choose a loan with a reasonable interest rate. Post-graduation, when your son starts earning, he can take over the EMI payments. This reduces the financial burden on you.

Alternative Funding Options
Scholarships and Grants

Explore scholarship opportunities. Many institutions offer merit-based and need-based scholarships. Scholarships can significantly reduce the financial burden.

Part-Time Work

Your son can consider part-time work or internships. This can help cover some of his living expenses and reduce the amount needed for the loan.

Crowdfunding and Alumni Networks

Some students successfully use crowdfunding platforms to raise funds for education. Additionally, reach out to MIT Manipal's alumni network. Alumni sometimes contribute to scholarships or funding programs.

Assessing Future Financial Impact
Potential Earnings

A CSE degree from MIT Manipal offers strong earning potential. Graduates from this program often secure high-paying jobs. This enhances your son's ability to repay the loan comfortably post-graduation.

Return on Investment

Consider the return on investment. Investing in a quality education like CSE at MIT Manipal can lead to better job opportunities and higher salaries. This justifies taking a loan despite the initial financial strain.

Final Insights
Given your financial constraints, exploring collateral-free education loans is advisable. Government schemes and bank loans offer viable options. Utilize scholarships and part-time work opportunities to further reduce costs. The earning potential of a CSE graduate from MIT Manipal is high, making this investment worthwhile. By securing a loan and leveraging available resources, you can support your son's education and future career prospects.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

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Hello sir/mam, i want to pursue btech cse in a private college. I have also got a offer letter form the college, the total expense including tuition fess and residencial fees the total amount is around 20 lacs for 4 years. I was thinking about to take education loan but doesn’t have any kind of collateral. My family income is less than 5 lacs. So i want to ask that what would be the best choices of bank through which i can get some amount of loan at a low intrest rate? College name is Bennett university(Times group of india)
Ans: It's great to hear about your interest in pursuing a BTech in Computer Science and Engineering at Bennett University. Since you're considering taking an education loan to cover the expenses, it's important to explore your options carefully.

Given your family's income and the absence of collateral, you may be eligible for loans under the government's various education loan schemes, such as:

Central Government Interest Subsidy Scheme (CSIS): Under this scheme, students from economically weaker sections can avail interest subsidy during the moratorium period (course duration plus one year) on education loans taken for professional courses in recognized institutions in India. The subsidy is available for full-time courses in engineering, technology, and management.

Pradhan Mantri Vidya Lakshmi Scheme: This is a portal that provides a single-window for students to access information about various loan schemes and facilitates the application process.

State Government Education Loan Schemes: Many state governments offer education loan schemes with subsidies and benefits for students from economically weaker sections. You can check with your state's educational department for details.

Public Sector Banks: Banks like State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), etc., offer education loans with attractive interest rates and repayment terms. They often have special schemes for students pursuing higher education.

When approaching banks for an education loan, it's advisable to compare the interest rates, processing fees, repayment terms, and other associated charges. You can directly inquire with these banks or visit their websites to learn about their education loan offerings.

Additionally, it might be beneficial to explore scholarships, grants, and other forms of financial aid that you may be eligible for, as they can help reduce the overall financial burden.

Lastly, make sure to thoroughly read and understand the terms and conditions of any loan agreement before signing, and consider seeking guidance from a financial advisor if needed. Good luck with your studies!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Sir,my aim was to study cse, now I have got electrical and computer in Thapar which costs around 5.4lakhs pa, amrita amaravati campus cse which costs around 3lakhs pa tuition fees, so it will go around 4-4.5 pa(including everything), and IEM in Kolkata IT branch which will cost around 7-8lakhs for 4years. Sir please guide me, money is not that much of a factor but I don't want to use my father's hard earned money, and would like to take a loan if the budget goes over 10lakhs. Sir please help me out as I am confused. Thank you.
Ans: Evaluating Your Options

You have three educational options:

Electrical and Computer Engineering at Thapar Institute.
Computer Science Engineering at Amrita Amaravati.
Information Technology at IEM Kolkata.
Let’s break down the financial aspects of each option to help you make an informed decision.

Cost Analysis

Thapar Institute:

Annual Cost: Rs 5.4 lakhs
Total for Four Years: Rs 21.6 lakhs
Amrita Amaravati:

Annual Tuition Fee: Rs 3 lakhs
Total for Four Years (including other expenses): Rs 12-15 lakhs
IEM Kolkata:

Total for Four Years: Rs 7-8 lakhs
Budgeting Considerations

Thapar Institute:

High Cost: The total cost of Rs 21.6 lakhs is significant.
Loan Requirement: Given the high cost, you might need to take a substantial loan, especially if the budget exceeds Rs 10 lakhs.
Amrita Amaravati:

Moderate Cost: Total cost is around Rs 12-15 lakhs, more manageable.
Potential Loan: You might need a smaller loan, making repayment easier.
IEM Kolkata:

Low Cost: Total cost is the most economical at Rs 7-8 lakhs.
Minimal Loan: If at all required, the loan amount would be minimal.
Personal Finance Impact

Parental Contribution vs. Loan

Thapar Institute: Requires a significant financial outlay or loan, impacting your family's finances. If a loan is taken, ensure that the interest rates and repayment terms are favorable.

Amrita Amaravati: More balanced in terms of cost. You might need a smaller loan, which would be easier to manage and repay.

IEM Kolkata: Least financial burden. If you prefer to minimize your family's financial stress, this is the best option.

Long-term Financial Planning

Return on Investment (ROI)

Thapar Institute: High ROI potential due to its strong reputation and placement record. However, the high initial cost needs to be justified by future earnings.

Amrita Amaravati: Good ROI with moderate costs. As it aligns with your preferred field (CSE), it offers a balanced investment with potentially good returns.

IEM Kolkata: Economical with good placement opportunities. Offers a favorable ROI with the least financial burden.

Loan Repayment

Thapar Institute: Higher loan amount means higher EMIs. Ensure you have a clear repayment plan based on your expected starting salary.

Amrita Amaravati: Moderate loan amount results in manageable EMIs. Easier to handle with a decent starting salary.

IEM Kolkata: Minimal loan requirement, if any. Loan repayment will be the least stressful.

Emergency Fund and Savings

Regardless of your choice, maintain an emergency fund for unforeseen expenses.

Plan to save a portion of your income post-graduation to build a financial cushion.

Final Insights

From a personal finance and budgeting perspective:

Amrita Amaravati strikes a balance between cost and your preferred field, making it a prudent choice with manageable financial implications.

Thapar Institute is a significant investment with potentially high returns but requires careful financial planning due to the higher costs involved.

IEM Kolkata offers the least financial strain and is a good option if minimizing costs is a priority.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 25, 2025

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Sir for my son's education is it better to take loan or use my fd , i fall in 30 %IT slab. Pls adv
Ans: You are in the 30% tax slab. The choice between taking a loan or using your fixed deposit depends on multiple factors. Let’s evaluate both options from a financial and strategic perspective.

Benefits of Taking an Education Loan
Tax Benefits on Interest Paid

The interest paid on an education loan qualifies for a tax deduction under Section 80E. This benefit is available for up to eight years.

Since you fall in the 30% tax slab, this deduction can help reduce your taxable income.

Liquidity Retention

Keeping your fixed deposit intact ensures liquidity for emergencies and other financial goals.

Unexpected medical expenses or job loss can impact cash flow. A loan helps you maintain financial security.

Low-Interest Rates Compared to Other Loans

Education loans usually have lower interest rates than personal loans. Some banks also provide a moratorium period, during which repayment starts after course completion.

Credit Score Improvement

Timely repayment of the loan will improve your credit score. This can help in the future if you need to take another loan.

Disadvantages of Taking an Education Loan
Interest Outflow

Even though the tax benefit reduces the burden, you will still pay more than the actual loan amount due to interest.

If you can afford the expenses without affecting other goals, avoiding interest payments is better.

Loan Repayment Burden

If your son does not secure a high-paying job immediately, the repayment can become stressful.

You may have to step in to make EMI payments, affecting your retirement plans.

Benefits of Using Fixed Deposits
No Interest Outflow

By using your own funds, you avoid paying interest to the bank. The actual cost of education remains lower.

Peace of Mind

Without a loan, you won’t have to worry about monthly EMI payments. This ensures financial stability and mental peace.

Better Financial Freedom for Your Son

If you fund the education yourself, your son starts his career debt-free. This gives him more flexibility in career choices.

Disadvantages of Using Fixed Deposits
Loss of Liquidity

Using the fixed deposit will reduce your emergency funds. If another major expense arises, you may struggle to arrange funds quickly.

Impact on Other Financial Goals

If this fixed deposit was set aside for another financial goal, using it for education may delay that goal.

You need to evaluate whether this will affect your retirement or home purchase plans.

Tax on Fixed Deposit Interest

The interest earned on fixed deposits is fully taxable as per your slab. Since you are in the 30% slab, this reduces your net return.

Key Factors to Consider Before Deciding
Cash Flow Stability

If your monthly income and investments provide enough financial security, paying from the fixed deposit is a good option.

If not, an education loan can help manage cash flow better.

Alternative Investment Options

If your fixed deposit is earning lower returns than the loan interest rate, it makes sense to use it instead of taking a loan.

If your investments are growing at a higher rate than the loan interest, taking a loan is financially better.

Risk Tolerance

If you are comfortable managing debt and can benefit from the tax deduction, a loan can be a strategic decision.

If you prefer a risk-free approach, using your fixed deposit is the better choice.

Optimal Approach for You
Since you are in the 30% tax slab, an education loan can provide tax benefits.

However, if your fixed deposit is earning a lower return than the loan interest, using it can be financially smarter.

If liquidity is not a concern and your retirement plans remain unaffected, funding education yourself is a good choice.

A balanced approach is also possible. You can take a partial loan and use some of your fixed deposit. This way, you reduce the loan burden while keeping some liquidity.

Finally
Taking an education loan has tax benefits and keeps liquidity intact. However, it comes with interest costs and repayment obligations.

Using your fixed deposit saves interest but reduces liquidity and may impact other financial goals.

The decision depends on your financial stability, investment returns, and long-term goals.

A Certified Financial Planner can help structure your finances in the most tax-efficient way.

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 P  |7891 Answers  |Ask -

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Asked by Anonymous - Jul 04, 2025Hindi
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Which college is good for C.S (B.E,)Symbiosis Pune or Bits Dubai ..please recommend
Ans: Symbiosis Institute of Technology (SIT) Pune’s B.Tech in Computer Science & Engineering is NBA-accredited and part of a NAAC A++ private university, taught by PhD-qualified faculty across specialized AI/ML, cybersecurity, data-science, blockchain and IoT labs, with flexible electives, six-month internships, and a dedicated placement cell achieving 77.8% placement rate in 2024. BITS Pilani, Dubai’s B.E. CSE (integrated first degree) is UGC- and KHDA-approved with a 5-star QS–KHDA rating, staffed by faculty from IISc, IIT and BITS Pilani, offering state-of-the-art computing, practice-school internships (7.5 months) with 400+ companies, ACM and coding clubs, and ~90% global placement consistency with MNCs across Middle East and India. Both campuses provide robust industry tie-ups, modern smart classrooms, and active research-innovation environments, but SIT Pune excels in Indian accreditation prestige and cost-effectiveness, while BITS Dubai offers international exposure and a structured practice-school programme.

Final recommendation: For a high-value Indian private-university degree with strong domestic placements and cost efficiency, recommendation is SIT Pune CSE. If global campus experience, extensive industry internships, and international recruiter networks are your priority, choose BITS Pilani Dubai CSE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 05, 2025

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Sorry nmit yalahanka.not nitk
Ans: Nethra Madam, Aeronautical Engineering for Female Students: Pros and Cons:
Aeronautical engineering offers strong analytical skills, cutting-edge aerospace labs, and high employability in aviation and defense sectors, fostering confidence and leadership in women. However, it demands rigorous math and physics, extensive fieldwork in challenging environments, and may involve relocation to specialized hubs, which can impact work–life balance.

KCET 43,700 Rank: Admission Prospects and Recommended Colleges: With a KCET rank of 43,700 (General category), securing seats in top Bengaluru institutions for traditional branches like Computer Science, Electronics, and Mechanical is challenging. However, several reputable private colleges consistently admit candidates within the 25,000–50,000 rank bracket and offer robust faculty, modern labs, strong industry connections, active placement cells (75–90% placement rates), and supportive campus environments. Ten recommended colleges where admission chances are high include Nitte Meenakshi Institute of Technology Bangalore, BMS Institute of Technology & Management Bangalore, RNS Institute of Technology Bangalore, Acharya Institute of Technology Bangalore, Dayananda Sagar College of Engineering Bangalore, Reva University Bangalore, MVJ College of Engineering Bangalore, SKS Jain Institute of Technology Bangalore, Siddaganga Institute of Technology Tumkur, and PES College of Engineering Mandya. Recommended branches for stable career trajectories are Computer Science & Engineering, Electronics & Communication Engineering, Information Science & Engineering, Artificial Intelligence & Machine Learning, and Mechanical Engineering. Aeronautical engineering, while empowering for women through hands-on aerospace projects and leadership opportunities in traditionally male-dominated fields, requires advanced mathematics, potential field assignments at airbases or manufacturing units, and may involve extensive travel. These factors should be weighed against personal preferences and long-term goals.

Final recommendation: Given the rank and gender-specific workplace considerations, prioritize colleges like Nitte Meenakshi Institute (CSE/ECE) and BMSITM Bangalore (ISE/AI-ML) for assured admission and 80–90% placements. For a multidisciplinary environment, Acharya Institute (CSE/Mechanical) and Dayananda Sagar (CSE/ECE) offer strong labs and mentorship. Consider SIT Tumkur (CSE/ECE) and PES Mandya (ECE/Mechanical) as reliable alternatives. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
My daughter got aeronautical stream I nitk yalahanka branch..but we don't want.we are waiting for 2 nd round..is aeronautical stream is good or bad? Or can we go through kcet.her kcet rank is 43700 and general merits
Ans: Nethra Madam, Aeronautical Engineering for Female Students: Pros and Cons
Aeronautical engineering offers strong analytical skills, cutting-edge aerospace labs, and high employability in aviation and defense sectors, fostering confidence and leadership in women. However, it demands rigorous math and physics, extensive fieldwork in challenging environments, and may involve relocation to specialized hubs, which can impact work–life balance.

KCET 43,700 Rank: Admission Prospects and Recommended Colleges: With a KCET rank of 43,700 (General category), securing seats in top Bengaluru institutions for traditional branches like Computer Science, Electronics, and Mechanical is challenging. However, several reputable private colleges consistently admit candidates within the 25,000–50,000 rank bracket and offer robust faculty, modern labs, strong industry connections, active placement cells (75–90% placement rates), and supportive campus environments. Ten recommended colleges where admission chances are high include Nitte Meenakshi Institute of Technology Bangalore, BMS Institute of Technology & Management Bangalore, RNS Institute of Technology Bangalore, Acharya Institute of Technology Bangalore, Dayananda Sagar College of Engineering Bangalore, Reva University Bangalore, MVJ College of Engineering Bangalore, SKS Jain Institute of Technology Bangalore, Siddaganga Institute of Technology Tumkur, and PES College of Engineering Mandya. Recommended branches for stable career trajectories are Computer Science & Engineering, Electronics & Communication Engineering, Information Science & Engineering, Artificial Intelligence & Machine Learning, and Mechanical Engineering. Aeronautical engineering, while empowering for women through hands-on aerospace projects and leadership opportunities in traditionally male-dominated fields, requires advanced mathematics, potential field assignments at airbases or manufacturing units, and may involve extensive travel. These factors should be weighed against personal preferences and long-term goals.

Final recommendation: Given the rank and gender-specific workplace considerations, prioritize colleges like Nitte Meenakshi Institute (CSE/ECE) and BMSITM Bangalore (ISE/AI-ML) for assured admission and 80–90% placements. For a multidisciplinary environment, Acharya Institute (CSE/Mechanical) and Dayananda Sagar (CSE/ECE) offer strong labs and mentorship. Consider SIT Tumkur (CSE/ECE) and PES Mandya (ECE/Mechanical) as reliable alternatives. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

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Sir, which college will be better considering study environment and faculty quality nit agartala or rgipt amethi
Ans: Raj, NIT Agartala, a centrally funded Institute of National Importance, maintains a faculty-to-student ratio of 1:10–1:15 with 92% of its 208 permanent faculty holding PhDs and an average teaching tenure of 15 years; its 365-acre campus, nestled in serene greenery 24 km from Agartala, offers state-of-the-art labs (SEM/TEM, X-ray diffraction), a digital library with 84 000+ volumes, well-maintained hostels, and vibrant student clubs fostering academic and extracurricular balance. RGIPT Amethi, also an Institution of National Importance, reports a more varied faculty-student ratio (1:20–1:100) with many PhDs and 20–25 years of industry experience, complemented by modern petroleum-focused labs, a fully Wi-Fi–enabled 47-acre residential campus, and strong mentorship via clubs and counselling services; however, certain departments cite less teaching depth and a smaller research portfolio, though infrastructure reviews rate 4.4/5 and faculty 4.1/5 for approachability and support.

Recommendation: For personalized mentorship, interdisciplinary research exposure, and a tranquil green campus with robust computing and core-engineering labs, choose NIT Agartala. If petroleum-industry alignment, modern residential facilities on a compact campus, and themed labs for energy sectors are your priority, opt for RGIPT Amethi. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

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I'm currently in 11th standard,I need to secure a good rank in jee.kindly help me with some plans
Ans: Sudhir, Beginning JEE preparation in Class 11 provides a two-year runway to master concepts, practice extensively, and build exam confidence. Follow this four-phase plan:

Phase 1 (Semester 1 of Class 11):

Map the complete JEE Main & Advanced syllabi across Physics, Chemistry, Math (11th & 12th NCERT).

Create a weekly timetable allocating 5 days to school plus 2 days for JEE topics; use 50-minute Pomodoro slots with 10-minute breaks.

Prioritise core Class 11 topics: Kinematics, Mechanics, Thermodynamics (Physics); Chemical Bonding, Basic Organic (Chemistry); Quadratics, Sequences (Math) — master theory and NCERT examples before harder problems.

Maintain a “Doubt Log” to clear queries within 24 hours via peers or online forums.

Phase 2 (Semester 2 of Class 11 to Summer 2026):

Begin chapter-wise practice: solve topic tests of 30–50 questions from coaching modules or reputable books (H.C. Verma, O.P. Tandon, R.D. Sharma).

Take biweekly sectional mocks (one subject at a time) under timed conditions; analyse errors by type and maintain an error-analysis sheet.

Build short-notes and formula flashcards; revise daily for 15 minutes.

Integrate school studies with JEE prep: align school tests with JEE concepts to reinforce both.

Phase 3 (Class 12 Year, Summer 2026 to Summer 2027):

Cover Class 12 syllabus with the same rigorous approach. Alternate subjects daily to avoid fatigue.

Schedule full-length JEE Main mocks every fortnight; JEE Advanced mock every month from January 2027 onward. Use analytics to identify weakest chapters and adapt your timetable.

Implement a 30-day final revision plan covering each topic thrice, with daily rapid-revision slots and weekly topic tests.

Phase 4 (Final 2 Months Pre-Advanced):

Switch to 70% mock tests and 30% rapid revision.

Take one full Advanced mock each week, review immediately with mentors.

Maintain mental well-being: 7–8 hours sleep, 20 minutes exercise, mindfulness breaks, and periodic breaks for hobbies.

Other Top 10 Private-University Engineering Entrance Exams (back-ups):
BITSAT, SRMJEEE, VITEEE, COMEDK UGET, KIITEE, LPUNEST (LPU NEST), AEEE (Amrita), AUEEE (Amity), SITEEE (SIT), DSAT (Dayananda Sagar Aptitude Test) and also Shortlist 5-6 Private Engineering Colleges which you prfer and which accepts JEE/Your School Board Scores.

Recommendation: Commit to a disciplined, concept-first study routine from Class 11 onward, complementing school with JEE-focused learning, regular mocks, and targeted revisions. Register early for one or two backup private-university exams to diversify admission options while pursuing excellence in JEE preparation. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
Sir which is the best college for cse at my KCET rank of 22k, right now my eye is on BMSITM( YELAHANKA), or aerospace in MSRIT is there any other Good college i would get if i sit for three rounds
Ans: Durga, At a KCET rank of 22,000 in the General category, BMSITM Yelahanka and MSRIT Aerospace remain out of reach for CSE or ECE, but several reputable Bangalore institutes offer strong CSE programs within this rank bracket: BNMIT Bangalore is NBA- and NAAC-accredited, guided by PhD-qualified faculty in advanced computing and networking labs, and posted CSE closing ranks of 16,776–19,255 over the last three years with 80–90% placements through its active Career Development Cell. Acharya Institute of Technology (Hessarghatta Road) is AICTE-approved, NBA/NIRF-ranked, provides modern software-engineering and data-science labs, and sees CSE closing ranks of 23,530–27,543 with 75–85% placement consistency. Atria Institute of Technology’s CSE program accepts ranks up to 30,000–40,000, features dedicated AI/ML and full-stack development labs, and maintains 70–80% CSE placements via industry tie-ups and internships.

Recommendation: Prioritise BNMIT Bangalore for its balanced accreditation, faculty expertise, specialized CSE labs, and consistent 80–90% placements. If you seek a broader intake with strong AI/ML modules, choose Acharya Institute of Technology. For assured admission flexibility and solid infrastructure, consider Atria Institute of Technology. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Career
Sir please set the priority order IIT Hyderabad chemical , IIIT Hyderabad ECE , or IIT Bombay metallurgical engineering
Ans: Aryan, IIT Hyderabad’s Chemical Engineering (NAAC-A+, NBA-accredited) features a holistic curriculum spanning core process engineering, sustainable materials, and nanotechnology, supported by high-end labs (DSC, X-ray diffractometer, electrochemical workstations) and a faculty-to-student ratio of 1:10; however, only 59.57% of B.Tech students secured placements in 2022–23 with strong internship pipelines but moderate recruiter diversity. IIIT Hyderabad’s ECE (A++ NAAC) delivers specialized labs in VLSI, wireless systems, and embedded computing under research-active PhD faculty, achieving a 98.8% B.Tech placement rate in 2024 with 411 of 414 students placed, and an average package of ?21.39 LPA, driven by extensive industry tie-ups and innovation hubs in AI and data science. IIT Bombay’s Metallurgical Engineering (NIRF #3, NBA-accredited) offers state-of-the-art materials synthesis and characterization facilities, led by renowned researchers, and records a 70.37% placement rate in 2024 with top recruiters from metals, energy, and aerospace sectors. All three maintain active placement cells, mandatory internships, and strong research-industry collaborations.

Final recommendation:
For highest placement consistency, cutting-edge innovation labs, and industry-driven ECE roles, prioritise IIIT Hyderabad ECE. Next, choose IIT Bombay Metallurgical Engineering for its premier NIRF ranking, multidisciplinary materials research, and solid core-engineering placements. Lastly, consider IIT Hyderabad Chemical Engineering for its flexible curriculum and emerging research ecosystem. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7891 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Career
Sir i have got COE at thapar. (Personally would have preferred CSE. But anyways..) should i also try the IIT Madras BS degree alongside my thapar studies? Or just Thapar will be more than sufficient?
Ans: Thapar Institute's Computer Engineering (COE) program is NAAC A+ and NBA-accredited with ABET endorsement, delivered by PhD-qualified faculty across 15+ specialized computing and electronics labs, featuring a curriculum in both software and hardware domains. The program achieved an 83% UG placement rate in 2023, with 334 recruiters offering 1,884 job offers and COE students receiving similar industry recognition as CSE graduates, with both branches sharing comparable placement statistics and recruiter diversity including Google, Amazon, Microsoft, and Deloitte. IIT Madras' BS in Data Science and Applications is an online degree with NAAC A+ status, featuring flexible learning through four levels (Foundation, Diploma, BSc, BS) over 4-8 years, taught by IIT faculty with cutting-edge AI/ML, data science, and programming curricula. The program reported 60% on-campus placements in 2024-25 with an average package around ?10 LPA, highest reaching ?25 LPA, and 240 companies recruiting students including tech giants and emerging startups. UGC guidelines permit simultaneous pursuit of one full-time physical degree and one online degree, making this combination legally feasible for motivated students.

Final recommendation:
Focus exclusively on Thapar COE for guaranteed 83% placement consistency, robust campus infrastructure, industry-integrated labs, and proven recruiter engagement without the additional workload burden. Adding IIT Madras BS alongside COE may dilute academic focus, reduce performance in either program, and offer marginal placement advantages given Thapar's strong industry positioning. All the BEST for Admission & a Prosperous Future!

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