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Max SIP of Rs.8,000 to Repay Home Loan of Rs.12 Lakhs: Which Funds Can Deliver 20% Returns?

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 20, 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 - Aug 11, 2024Hindi
Money

I am having a home loan of 12 lakh, I am planning to start some sip max upto 8000/- per month so that I can get rid of the loan as soon as possible, Please suggest the name of funds that can give return of more than 20 percent also give some suggestions from your side also if there can be a better plan than my plan

Ans: First, it's commendable that you are looking to repay your home loan early. This shows your commitment to financial stability. A 12 lakh home loan can feel burdensome, and paying it off early will give you peace of mind.

However, expecting a return of more than 20% from SIPs in mutual funds is a bit optimistic. While mutual funds have the potential to deliver high returns, it’s important to have realistic expectations.

Let’s explore your options for achieving your goal of repaying the home loan early while investing Rs. 8,000 per month in SIPs.

Understanding the Risks of Expecting High Returns

Mutual funds can deliver strong returns over the long term. However, expecting consistent returns of more than 20% is risky.

High-return funds usually come with higher risks. These funds might not perform well in all market conditions.

There are very few funds that have delivered such returns over a long period. These funds may not perform the same way in the future.

Focusing solely on high returns might lead you to invest in volatile funds. This could expose your savings to unnecessary risk.

It’s essential to balance return expectations with risk tolerance. Taking too much risk to achieve high returns could jeopardize your financial security.

Suggested Investment Strategy: Diversified Portfolio

Instead of chasing high returns, let’s focus on building a diversified portfolio. This will reduce risk and provide more stable returns over time. Here's how you can allocate your Rs. 8,000 per month:

Large Cap Equity Funds: Allocate Rs. 3,000 per month here. These funds invest in large, well-established companies. They provide relatively stable returns.

Mid Cap Equity Funds: Allocate Rs. 2,000 per month here. Mid-cap funds invest in medium-sized companies. They have the potential for higher growth than large caps.

Small Cap Equity Funds: Allocate Rs. 1,500 per month here. These funds invest in smaller companies. They are riskier but can provide higher returns over the long term.

Flexi Cap Funds: Allocate Rs. 1,000 per month here. These funds invest in companies across all market capitalizations. They provide flexibility to the fund manager.

Debt Funds: Allocate Rs. 500 per month here. Debt funds invest in fixed-income securities. They provide stability to your portfolio and reduce overall risk.

Focus on Long-Term Growth

Investing in a diversified portfolio with a mix of large, mid, small, and flexi-cap funds can offer better risk-adjusted returns.

While 20% returns are not guaranteed, this portfolio can help you achieve a healthy balance between risk and reward.

Over the long term, equity investments generally provide returns that beat inflation and grow your wealth.

Staying invested for the long term is key. Equity markets can be volatile in the short term but tend to deliver positive returns over a longer period.

Better Alternatives to Your Current Plan

Use Your Savings Efficiently:

If you have any surplus savings, consider using a part of it to make pre-payments on your home loan. This will reduce your outstanding principal and the total interest you pay over the loan tenure.
Reassess Your Risk Appetite:

If you are uncomfortable with high volatility, consider reducing your allocation to small-cap funds and increasing your investment in large-cap or debt funds.
Increase SIP Amount Gradually:

As your income grows, try to increase your SIP amount. This will help you build a larger corpus over time.
Consider Partial Prepayments:

Along with your SIP investments, you can make partial prepayments on your home loan whenever you receive a bonus or any additional income. This will help reduce the loan tenure significantly.
Avoid Chasing High Returns:

It’s better to aim for consistent returns rather than high but uncertain returns. Stick to a well-planned investment strategy rather than chasing returns.
Debt Fund for Safety Net:

Keep a small portion of your investment in debt funds. This will act as a safety net in case of emergencies and reduce the overall risk of your portfolio.
The Disadvantages of Index Funds

Index funds typically follow a benchmark index. They are passive in nature. They don’t offer flexibility in fund management.

In volatile markets, index funds may not perform well because they cannot adjust their holdings to protect returns.

Actively managed funds, on the other hand, have fund managers who can make informed decisions. They can adapt to market conditions and potentially deliver better returns.

Given your goal to repay the home loan early, actively managed funds could offer better opportunities for growth.

While index funds have lower costs, the potential for higher returns with actively managed funds justifies the slightly higher expense ratio.

Why Choose Regular Funds Over Direct Funds

Direct funds have lower expense ratios because they bypass the intermediary. However, they require more effort from your side in managing the portfolio.

Regular funds involve the expertise of a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD). They provide personalized advice and help in portfolio management.

Investing through an MFD or CFP can save you from making common mistakes. They guide you to select funds that align with your goals and risk appetite.

In your case, considering the importance of paying off the home loan, professional advice will be beneficial. A CFP will help you manage your investments effectively and make the right decisions at the right time.

Monitoring and Review: The Key to Success

Regularly review your investments and track their performance. This will help you make necessary adjustments based on market conditions and your changing needs.

Your financial planner can assist you with periodic reviews and rebalancing your portfolio. This ensures that your investments stay on track to meet your goals.

Avoid making impulsive decisions based on short-term market movements. Stick to your long-term plan.

Reassess your investment strategy annually or whenever there’s a significant change in your financial situation.

Final Insights

Your goal of paying off the home loan early is admirable. A well-planned investment strategy with realistic return expectations will help you achieve it.

By diversifying your portfolio, staying invested for the long term, and making smart financial decisions, you can build wealth and reduce your debt burden.

Regular investments, combined with periodic reviews and adjustments, will ensure you stay on the right track.

Always consult with your Certified Financial Planner to make informed decisions that align with your financial goals.

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  |8077 Answers  |Ask -

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

Money
Hi..I am 41 and currently having a home loan of around 50 lakhs...I am planning to repay the loan within next 5 years..I can invest around 50000 per month for the same...pls suggest which type of funds should I do SIP in? Flexi Cap or Agressive Hybrid funds are advisable in this case? I would want to continue investing in these SIPs even after my loan is repaid as my long term investment..Thanks in advance!!
Ans: Your plan to repay your home loan of ?50 lakhs within the next five years is commendable. Investing ?50,000 monthly in Systematic Investment Plans (SIPs) to achieve this goal, while also considering long-term investments, requires strategic planning. Let's explore the best options for your needs.

Understanding Your Financial Goals
Short-Term Goal
Your short-term goal is to repay your home loan within five years. This requires a focused investment strategy that balances risk and returns.

Long-Term Investment
After repaying your loan, you plan to continue investing in SIPs for long-term wealth creation. This necessitates choosing funds that can adapt to both short-term and long-term financial goals.

Investment Options: Flexi Cap vs Aggressive Hybrid Funds
Flexi Cap Funds
What Are Flexi Cap Funds?
Flexi cap funds invest in companies of different market capitalizations—large, mid, and small caps—without any predefined proportion. Fund managers have the flexibility to change the investment mix based on market conditions.

Benefits of Flexi Cap Funds
Diversification: Flexi cap funds offer a diversified portfolio, reducing risk while aiming for moderate to high returns.
Adaptability: Fund managers can adapt to market trends, optimizing returns.
Long-Term Growth: Suitable for long-term investment due to the potential for high growth across different market caps.
Aggressive Hybrid Funds
What Are Aggressive Hybrid Funds?
Aggressive hybrid funds invest in a mix of equities (65-80%) and debt instruments (20-35%). This combination aims to balance high returns from equities and stability from debt.

Benefits of Aggressive Hybrid Funds
Balanced Risk: The equity portion drives growth, while the debt portion reduces volatility.
Stability: Provides more stability compared to pure equity funds, especially during market downturns.
Consistent Returns: Suitable for investors seeking consistent returns with moderate risk.
Evaluating Suitability for Your Goals
Short-Term Goal: Home Loan Repayment
Flexi Cap Funds
Flexi cap funds can offer high returns due to their dynamic investment strategy. However, they come with higher risk, which might not align with a five-year horizon focused on loan repayment.

Aggressive Hybrid Funds
Aggressive hybrid funds balance growth and stability, making them more suitable for a five-year investment aimed at repaying a home loan. The debt component reduces risk, offering more predictable returns.

Long-Term Goal: Continued Investment
Flexi Cap Funds
For long-term investment, flexi cap funds are highly suitable. Their ability to invest across market capitalizations can capture growth in various sectors and companies over time.

Aggressive Hybrid Funds
Aggressive hybrid funds can also be suitable for long-term investment, providing a balanced approach to growth and stability. They can be a good option for conservative investors seeking steady returns.

Recommended Strategy
Initial Focus: Aggressive Hybrid Funds
Reasoning
Start with aggressive hybrid funds for the next five years to repay your home loan. This strategy offers a balance of growth and stability, reducing the risk of market volatility impacting your repayment plan.

Transition to Flexi Cap Funds
Post-Loan Repayment
Once your loan is repaid, consider transitioning a portion of your investment into flexi cap funds. This will help capture higher growth potential for your long-term goals.

Continued Investment Strategy
Diversification
Maintain a diversified portfolio by investing in both aggressive hybrid funds and flexi cap funds. This approach balances risk and returns, catering to your evolving financial needs.

Additional Considerations
Regular Monitoring and Rebalancing
Importance
Regularly monitor your investments and rebalance your portfolio as needed. Market conditions and personal financial goals can change, requiring adjustments to your investment strategy.

Consult a Certified Financial Planner
Professional Advice
Consulting a Certified Financial Planner (CFP) can provide personalized advice tailored to your financial situation. A CFP can help optimize your investment strategy and ensure alignment with your goals.

Conclusion
Investing ?50,000 monthly in SIPs to repay your home loan and continue long-term investments requires a balanced approach. Aggressive hybrid funds are advisable for the initial five-year period focused on loan repayment. After repaying the loan, transitioning to flexi cap funds can capture higher growth potential for long-term wealth creation. Regular monitoring and professional advice will ensure your investment strategy remains effective and aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 17, 2024Hindi
Listen
Money
Hi..I am 41 and currently having a home loan of around 50 lakhs...I am planning to repay the loan within next 5 years..I can invest around 50000 per month for the same...pls suggest which type of funds should I do SIP in? Flexi Cap or Agressive Hybrid funds are advisable in this case? I would want to continue investing in these SIPs even after my loan is repaid as my long term investment.
Ans: Investment Strategy for Home Loan Repayment and Long-Term Wealth Creation
Assessing Your Financial Goals
At 41, with a goal to repay a home loan of 50 lakhs in the next 5 years while continuing to invest for the long term, you need an investment strategy that balances stability and growth. You can invest 50,000 per month to achieve these objectives.

Recommended Investment Approach
Flexi Cap Funds for Growth and Flexibility:

Diversification: Flexi cap funds provide the flexibility to invest across market capitalizations (large, mid, and small caps) based on market conditions and fund manager expertise.
Growth Potential: These funds can adjust allocations dynamically to capture growth opportunities, making them suitable for both medium and long-term investments.
Risk Management: The diversified nature helps in managing risks, offering a balanced approach suitable for investors looking for growth with moderate risk.
Aggressive Hybrid Funds for Balanced Risk:

Equity-Debt Mix: Aggressive hybrid funds typically invest 65-80% in equities and the rest in debt instruments, providing a balance of growth and stability.
Moderate Risk: These funds are less volatile than pure equity funds due to their debt component, making them suitable for medium-term goals like loan repayment.
Stable Returns: The debt portion helps in cushioning against market volatility, providing relatively stable returns.
Suggested Strategy
Initial Focus on Debt Reduction:

Higher Allocation to Aggressive Hybrid Funds: For the next 5 years, prioritize aggressive hybrid funds to balance risk while aiming for steady returns. This will help you build a corpus for loan prepayments.
Example Allocation: Invest 30,000 per month in aggressive hybrid funds and 20,000 per month in flexi cap funds. This balance ensures that you can manage volatility while aiming for decent growth.
Post Loan Repayment Strategy:

Increase Allocation to Flexi Cap Funds: Once the home loan is repaid, you can shift a larger portion of your SIPs towards flexi cap funds to maximize growth for long-term goals.
Continued SIPs: Continue with the SIPs to build wealth over the long term, adjusting the allocation based on your risk appetite and market conditions.
Monitoring and Adjustment
Regular Review: Periodically review the performance of your funds and make adjustments if necessary. Ensure that your portfolio aligns with your financial goals and risk tolerance.
Rebalancing: Rebalance your portfolio annually to maintain the desired allocation between flexi cap and aggressive hybrid funds.
Conclusion
By investing in a mix of aggressive hybrid and flexi cap funds, you can effectively manage the repayment of your home loan while continuing to build long-term wealth. This strategy balances risk and growth, ensuring financial stability and growth potential.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

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

Asked by Anonymous - Aug 09, 2024Hindi
Listen
Money
I am having a home loan of 12 lakh, I am planning to start some sip max upto 8000/- per month so that I can get rid of the loan as soon as possible, Please suggest the name of funds that can give return of more than 20 percent also give some suggestions from your side also if there can be a better plan than this.
Ans: Your goal is to pay off your home loan of Rs. 12 lakh as soon as possible. You're considering starting a SIP of Rs. 8,000 per month to achieve this. This is a disciplined approach to managing your debt while also building wealth.

Understanding the Reality of 20% Returns
You mentioned seeking a return of more than 20% on your investments. While equity mutual funds have the potential for high returns, aiming for consistent returns above 20% is quite ambitious and risky. Equity markets can be volatile, and there are no guaranteed returns. It's important to have realistic expectations and balance your desire for high returns with your risk tolerance.

Debt Repayment Strategy vs. Investment
1. Prepaying Your Home Loan

Advantages: Prepaying your home loan will reduce your interest burden and help you become debt-free sooner. This provides peace of mind and financial freedom.

Considerations: The interest rate on your home loan is a key factor. If your loan interest rate is high, prepaying might make sense. However, if the rate is low, investing your money could potentially offer better returns.

2. Investing Through SIPs

Advantages: SIPs in equity mutual funds offer the potential for higher returns over the long term. This is especially true if you invest in growth-oriented funds.

Considerations: While SIPs can generate wealth, they are subject to market risks. If your priority is to eliminate debt, consider balancing your investments with some loan prepayments.

Recommended Approach: A Balanced Strategy
1. Split Your Monthly Savings

Allocate Funds Wisely: Consider splitting your Rs. 8,000 into two parts. You can use Rs. 4,000 to prepay your home loan and the remaining Rs. 4,000 for SIP investments. This way, you reduce your debt while still participating in the equity market for potential growth.

Benefit from Both Worlds: This approach helps in reducing your debt gradually while giving your investments time to grow.

2. Selecting the Right SIP

Risk and Return: Opt for funds that match your risk profile. Avoid high-risk funds if your goal is to repay debt in the short to medium term. Choose funds with a balanced risk-return profile.

Fund Selection: Since you aim for returns, choose funds with a good track record and consistency. But remember, high past returns don't guarantee future performance.

3. Regular Review

Monitor Progress: Regularly review your SIP performance and loan status. Adjust your strategy if needed, depending on market conditions and your financial goals.
Additional Suggestions
1. Emergency Fund

Security First: Ensure you have an emergency fund in place. This should cover at least 6 months of expenses. It’s important not to dip into your investments or take additional loans during emergencies.
2. Tax Planning

Optimize Investments: Use tax-saving instruments to reduce your taxable income. Investing in tax-efficient funds can help you save more in the long run.
3. Avoid Overleveraging

Debt Management: Be cautious about taking on new loans while you’re still paying off your home loan. Focus on becoming debt-free before considering any new liabilities.
Final Insights
Balancing debt repayment with investment is a prudent approach. By splitting your Rs. 8,000 between prepaying your home loan and SIP investments, you manage risk and reward effectively. It's important to maintain realistic expectations about returns and regularly review your financial plan to ensure it aligns with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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My son is completing 12th. He is interested in Graphics design. What are the options in this field to study?
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If he is open to fine arts-based programs, NIFT and BFA Applied Arts exams (like MH-AAC CET for J.J. Institute of Applied Art, Mumbai) are also good options. All the best for your Son's admissions, Pradeep Sir!

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Career Counsellor - Answered on Mar 06, 2025

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My son secure 97.03 percentile in jee main session 1 in general category can he get CSE in any NIT
Ans: Shashi Sir,

How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

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, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your Son's admissions!

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Nayagam P P  |4275 Answers  |Ask -

Career Counsellor - Answered on Mar 06, 2025

Asked by Anonymous - Mar 05, 2025Hindi
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My son has got 99.6 percentile in JEE mains 2025 jan . What should be the possible options and priority of sequence ?
Ans: How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

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, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your son's admissions!

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...Read more

Dr Dipankar

Dr Dipankar Dutta  |912 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 05, 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.

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A 6 digit code has been sent to Mobile

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