Sir, I am a government employee, age 34 years, married. My current allocation of mutual fund is like this:

• Canara robeccco blue chip- 3000
• SBI flexi cap- 1500
• Absl tax elss - 1500
• ICICI prudential blue chip-1000
• HDFC small cap regular -1000
• Kotak small cap-2000
• Axis blue chip-2000
• Axis long term -1000
• SBI large cap -1000
• Ppf -2500

Blue chip funds and ppf for retirement.

Ans: Do where you are more confident of. Since you have written CAT once and were able to get a decent college, there is a higher chance of you doing well in CAT as compared to UPSC.

Ans: Mithibai is a good college for BSc, but it would not make a great difference if you do it from any other good college as long as you manage to get good academics and go for further education in any field.

Ans: It is seen that getting job in marketing is easier in any economic condition. But do check if you are really interested in the same as most jobs are sales related.

Ans: There are still WL movement happening in the admission process so there is chance for IIT Patna. Since Bhilai is an IIT, it would have good funding and facilities like any other IIT or NIT

Ans: I believe Alliance Bangalore could be a better option. It is known that if the colleges are not well known then having a location near an industrial hub would give better chance of placements. Anyways talk to students of both colleges to find the details regarding placements.

Ans: Do not let cast come in between both, explain to the families. If they do not agree, then you need to decide.

Ans: (1) SASTRA (2) PSG (3) TNAU. If finance is an important factor, prefer TNAU. All the BEST for Your Daughter's Bright Future.

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Ans: You have mentioned you have been with PSB since 2008 i.e. for the last 16-years (from your age of 33-years. This is your 1st job or you used to work before 33-years of age? Secondly, you have not mentioned about your children, how many children you have? what they are studying now & what about their future education goals? In near future, what all financial obligations you have for your children's studies? You have additional qualifications / certifications related to CA after you joined PSB? Before starting your practice, you should decide what all specailized services you can provide? How to get clients? Through Bank's Networks, will you be able to get clients? Where to set up your office? Finance Required to register your Firm & to meet other expenses? Life & Medical Insurance Coverage for you & for your family members? Please take time & think over all these factors. Once you are confident & have planned well, after taking into consideration these factors, you can go ahead. It is suggested, NOT to resign your current job from PSB, UNTIL you fully set up your CA Firm. All the BEST Sir.

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Ans: Ronak Sir, (1) It is advisable to pursue Graduation in India and work for 2-3 years. (2) Or on the basis of his Academic Performance, His Interest, Co & Extra-curricular Activities, His Personality Traits & Soft Skills Development (during his BTech), you can decide for his Masters Abroad, after his Graduation. (3) Or he can work for 2-3 years and then think about Abroad Education. (4) Just to study abroad, some students / parents choose wrong Streams and spend a lot of money without knowing the job prospects there and / or blindly accept the admission, recommended by the Abroad Education Consultants / Firms (5) Before approaching any Abroad Education Consultant, it is always ideal to make a thorough Research (at least basic research) about the Abroad Universities / its QS Ranking / Job Prosects / Work Permit Rules etc. at the same time, keeping in view the Children's Interest / Personality Traits. (6) Regarding his Civil in IIT-Gandhi Nagar, I suggest not to accept the seat, only because he is getting confirmed admission UNLESS he is very much interested in Civil. (7) Please wait for some more rounds in JOSAA Counselling for any other Streams, he is interested in or prefers. (8) Or alternately, you can try to get admission through Management Quota (MQ ) with any one of the reputed / top-ranked College either in your State or anywhere in India you prefer. Donation / Yearly fees depends upon the College / Stream your son prefers / chooses. (9) If still abroad education is preferred by you / by your Son, you can go ahead with any one of the 2-options based on your preferences of Country / Location / University / Fees Structure / Stream. Ronak Sir, I have clarified your doubts. All the BEST for your Son's Bright Future.

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