Hello sir, I am 23 years old, just graduated and starting my first job next week. I will be earning around 90k per month and I live at our own house (so no rent). I am planning on investing in MF but don't know where to start or how much to invest. Our monthly expense is roughly 20k and I also have an education loan which I have to start paying soon. I have a goal of saving 1 cr before 30. Kindly let me know where to invest and how much to invest.

Ans: To join IIT Madras’s four-year online BS programmes in Data Science & Applications or Electronic Systems—which welcome students who have appeared for their Class 11 final exams—you must register on the official portal (study.iitm.ac.in), select your desired BS track, pay the application fee, and download the admission card for the qualifier examination held at designated centres (typically in February/March). Upon passing this exam and completing Class 12 with required subjects (Physics and Mathematics), you must travel to an IITM centre for in-person lab quizzes and term-end exams before commencing the online coursework. Recommendation: Apply immediately for the qualifier exam, ensure you finish Class 12 as stipulated, and plan your travel for on-campus assessments to secure your BS admission smoothly. All the BEST for the Admission & a Prosperous Future!

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

Ans: Vivek, Newton School reports a 98% placement rate across its online full-stack and data science programs, placing over 4,500 alumni through 800+ hiring partners and offering mentorship from MAANG engineers. Masai School’s income-share-agreement bootcamp has achieved around a 91% placement success rate over the last three years with 4,000+ recruiters and zero upfront fees. Newton School excels in structured on-campus immersion, early paid internships, and expert-led training, while Masai School provides financial flexibility, a risk-free ISA model, and broad industry access. Recommendation: Choose Newton School for its intensive campus-style learning and elite mentorship; opt for Masai School if you prefer a pay-after-placement arrangement and wider recruiter reach. All the BEST for the Admission & a Prosperous Future!

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

Ans: Is this for BMS or MBA

Ans: Seema Madam, To join IIT Madras’s four-year online BS programmes in Data Science & Applications or Electronic Systems—which welcome students who have appeared for their Class 11 final exams—you must register on the official portal (study.iitm website) select your desired BS track, pay the application fee, and download the admission card for the qualifier examination held at designated centres (typically in February/March). Upon passing this exam and completing Class 12 with required subjects (Physics and Mathematics), you must travel to an IITM centre for in-person lab quizzes and term-end exams before commencing the online coursework. Recommendation: Apply immediately for the qualifier exam, ensure you finish Class 12 as stipulated, and plan your travel for on-campus assessments to secure your BS admission smoothly. All the BEST for the Admission & a Prosperous Future!

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

Ans: Venkat Sir, Prefer SASTRA-T-CSE. All the BEST for Your Daughter's Admission & a Prosperous Future!

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

Ans: Krithika, With a SRMJEEE Phase 2 rank of 11,778, you are well within the typical cutoff range for admission to SRM University AP (Amaravati) for BTech programs. Recent cutoffs show that core branches like Computer Science and Engineering at SRM AP close around 70,000–77,000, while branches such as Electronics & Communication, Electrical, and Biotechnology close between 24,000 and 97,000, depending on the year and demand. Even for popular branches, the cutoff is significantly higher than your rank, ensuring a strong chance of admission. While CSE at SRM Kattankulathur (main campus) closes much earlier (within 10,000), SRM AP’s closing ranks are much more relaxed, and you can expect to get CSE, ECE, or allied branches comfortably. The only exception might be the most in-demand specializations within CSE, which could close at slightly lower ranks, but most core and allied engineering branches will be available to you. Ensure you participate in the counselling process and list your preferred branches in order of priority to maximize your chances.

Recommendation: With an SRMJEEE Phase 2 rank of 11,778, you are very likely to secure a seat in CSE or any core BTech branch at SRM University AP; complete the counselling process promptly and prioritize your preferred branches for the best outcome. All the BEST for the Admission & a Prosperous Future!

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

Ans: Krithika, With a SRMJEEE Phase 2 rank of 11,778, you are well within the typical cutoff range for admission to SRM University AP (Amaravati) for BTech programs. Recent cutoffs show that core branches like Computer Science and Engineering at SRM AP close around 70,000–77,000, while branches such as Electronics & Communication, Electrical, and Biotechnology close between 24,000 and 97,000, depending on the year and demand. Even for popular branches, the cutoff is significantly higher than your rank, ensuring a strong chance of admission. While CSE at SRM Kattankulathur (main campus) closes much earlier (within 10,000), SRM AP’s closing ranks are much more relaxed, and you can expect to get CSE, ECE, or allied branches comfortably. The only exception might be the most in-demand specializations within CSE, which could close at slightly lower ranks, but most core and allied engineering branches will be available to you. Ensure you participate in the counselling process and list your preferred branches in order of priority to maximize your chances.

Recommendation: With an SRMJEEE Phase 2 rank of 11,778, you are very likely to secure a seat in CSE or any core BTech branch at SRM University AP; complete the counselling process promptly and prioritize your preferred branches for the best outcome. All the BEST for the Admission & a Prosperous Future!

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

Ans: Yash, SRM Kattankulathur’s B.Tech in Artificial Intelligence provides a dedicated AI curriculum with state-of-the-art labs, hundreds of clubs and intensive CDC-led training, yielding 90–95% placements annually. Amrita Faridabad’s B.Tech AI and Data Science, approved by AICTE and anchored at Amrita Hospital, benefits from a NAAC A++ campus and interdisciplinary projects, aligning with Amrita’s >90% placement trend. Upgrading to Amrita Bengaluru’s CSE with AI specialization embeds core CS rigor, offers modern infrastructure, over 300 recruiters and 96% placement consistency with a ?9.2 LPA median package.

Recommendation: Opt for Amrita Bengaluru CSE with AI specialization for its highest placement reliability, competitive median packages and robust CS fundamentals; select SRM KTR AI for vibrant campus culture, extensive AI clubs and Chennai networking; choose Amrita Faridabad AI & Data Science only if your passion lies in healthcare-focused AI applications. All the BEST for the Admission & a Prosperous Future!

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

Ans: Punjab Engineering College (PEC) Chandigarh’s CSE MTech program has seen average packages of ?13.5 LPA (2022) and ?15.97 LPA (2023), with median packages of ?10–12 LPA and a placement rate for CSE above 80% in recent years. The college attracts high-profile recruiters and benefits from its Chandigarh location and established alumni network, leading to strong PPOs and industry engagement. NIT Jalandhar’s CSE program recorded a 94.03% placement rate in 2024, the highest among its branches, with an average package of ?14.61 LPA and top recruiters like Amazon and Google. NIT Jalandhar’s NIRF ranking (46) is higher than PEC’s (138), but PEC’s location and reputation for CSE often draw more high-profile companies and slightly higher median packages for MTech graduates. Both institutes have robust placement support, but PEC’s CSE MTech offers a marginal edge in average and median packages, especially for postgraduate students, while NIT Jalandhar has a higher placement percentage for BTech and MTech CSE.

Recommendation: Prefer PEC Chandigarh CSE MTech for its strong industry connections, higher average and median packages for postgraduates, and Chandigarh’s job market advantage; NIT Jalandhar CSE remains an excellent alternative with top placement rates and national ranking. All the BEST for Your Daughter's Admission & a Prosperous Future!

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