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Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 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
Madhujya Question by Madhujya on May 18, 2024Hindi
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Hello sir.. I am 23 Years old i have started SIP in Quant Small Cap fun for 5 years as 1000 per month..! How much return should expect.?

Ans: Starting Early is Commendable
You are off to a great start by investing in a SIP at the age of 23. Starting early gives you a significant advantage. Compounding will work in your favour over time.

Understanding Small Cap Funds
Small cap funds invest in smaller companies with high growth potential. These companies can provide substantial returns, but they come with higher risk. The returns can vary based on market conditions and company performance.

Expected Returns
It’s difficult to predict exact returns for small cap funds. Historically, small cap funds have provided higher returns compared to large cap funds. However, they also have higher volatility. Over five years, you can expect higher returns, but there will be ups and downs.

Risk and Reward
Small cap funds can offer impressive returns, but they also carry significant risk. Market fluctuations can impact small cap stocks more than large cap ones. It’s essential to be prepared for market volatility.

Importance of Diversification
Investing only in small cap funds can be risky. Diversify your portfolio to spread risk. Include a mix of large cap, mid cap, and debt funds to balance your investment.

Benefits of Actively Managed Funds
Actively managed funds provide professional management. Fund managers can make strategic decisions based on market conditions. This can potentially lead to better returns compared to passive index funds.

Regular Funds vs. Direct Funds
Regular funds might have higher costs than direct funds, but they offer valuable benefits. Investing through a Certified Financial Planner gives you access to expert advice. They help in monitoring and adjusting your portfolio as needed.

Long-Term Perspective
Investing is a long-term journey. While five years is a good start, extending your investment horizon can yield better results. Consider increasing your SIP amount as your income grows.

Consistent Monitoring
Regularly monitor your investments. Markets change, and so do your financial goals. Reviewing your portfolio ensures it stays aligned with your objectives.

Staying Informed
Educate yourself about market trends and investment strategies. Staying informed helps you make better investment decisions. Reading financial news and attending seminars can be beneficial.

Seek Professional Guidance
Consult a Certified Financial Planner for personalized advice. They can help tailor your investment strategy to your goals and risk tolerance. Professional guidance ensures your investments are on the right track.

Final Thoughts
Starting SIPs at a young age is a smart move. While small cap funds can offer high returns, they come with higher risks. Diversify your investments, monitor regularly, and consider seeking professional advice. Your disciplined approach will pay off in the long run.

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 May 23, 2024

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Sir my SIP - SBI contra fund-2000, SBI small cap-1000, SBI small 250 index -1000, Aditya Birla sun Light PSU -2000, Parag Parikh flexi cap-2000, Motilal Oswal mid cap-2000, quant active fund-2000, total SIPs is to Rs.12000 per month , How many returns to get after 10 years investment.
Ans: Let's assess your SIP investments and project the potential returns over a 10-year period, keeping in mind various factors that influence investment outcomes.

Current SIP Portfolio Overview
Allocation Breakdown
SBI Contra Fund: Rs. 2000
SBI Small Cap Fund: Rs. 1000
SBI Small Cap 250 Index Fund: Rs. 1000
Aditya Birla Sun Life PSU Equity Fund: Rs. 2000
Parag Parikh Flexi Cap Fund: Rs. 2000
Motilal Oswal Mid Cap Fund: Rs. 2000
Quant Active Fund: Rs. 2000
Total Monthly SIP: Rs. 12000
Factors Affecting Returns
Fund Selection
Actively Managed Funds: Offer potential for higher returns but involve higher risk and management fees.
Index Funds: Lower fees but may have limitations in beating market benchmarks.
Market Performance
Equity Market Trends: Historical performance and future market conditions impact investment returns.
Economic Factors: Macroeconomic indicators influence market movements and fund performance.
Projected Returns Analysis
Historical Performance
Review historical performance of selected funds to gauge potential returns.
Consider past performance trends, fund manager expertise, and investment strategy.
Market Outlook
Analyze current market trends, economic indicators, and sectoral performance.
Evaluate growth prospects of sectors represented in your SIP portfolio.
Risk Assessment and Diversification
Risk Management
Diversification: Spread investments across different asset classes and sectors to manage risk.
Risk Appetite: Assess your risk tolerance to ensure investment choices align with your financial goals.
Regular Monitoring
Review SIP performance periodically to track progress and make informed adjustments.
Stay updated with market developments and fund performance reports.
Conclusion and Future Outlook
Based on the current investment allocation and market conditions, projecting precise returns over a 10-year period can be challenging. However, a diversified SIP portfolio across various asset classes and fund types is a prudent approach to long-term wealth creation.

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 May 24, 2024

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I'm investing monthly 30k for 2 months now in SIP. How much will be my return in 2030.
Ans: Forecasting SIP Returns for 2030: A Detailed Analysis

Investing in Systematic Investment Plans (SIPs) is a prudent strategy for wealth accumulation, especially when considering long-term financial goals. Let's delve deeper into projecting returns for your SIP investments by the year 2030.

Evaluating the Investment Strategy

Initial Investment: A Strong Start

Beginning SIP investments is commendable, showcasing your commitment to financial planning and wealth creation.

Time Horizon: Long-Term Perspective

With a 9-year investment horizon until 2030, your approach aligns well with the principle of long-term investing, which is essential for maximizing returns and mitigating market volatility.

Assessing Potential Returns

Historical Performance: Insights from the Past

Looking back at historical data, equity investments, typically the underlying assets in SIPs, have shown favorable returns over extended periods.

Market Volatility: Consideration for Fluctuations

While long-term returns are promising, it's crucial to acknowledge the inherent volatility in the market, which can influence short-term investment performance.

Estimating Future Returns

Growth Potential: Optimism for the Future

Despite short-term fluctuations, equities hold significant growth potential over the long term, driven by economic growth, corporate earnings, and market dynamics.

Average Returns: Realistic Expectations

While precise returns cannot be guaranteed, historical trends indicate average annual returns ranging from 12-15% for equity investments.

Planning for 2030

Expected Returns: Setting Realistic Goals

Based on historical averages, it's reasonable to anticipate annual returns of approximately 12-15% for your SIP investments until 2030.

Compounded Growth: Amplifying Your Wealth

Over the 9-year period, the power of compounding can substantially enhance your initial investment, leading to exponential growth in wealth accumulation.

Conclusion: Optimistic Outlook

In conclusion, your decision to invest in SIPs reflects a prudent financial strategy. By staying invested for the long term, maintaining consistency in contributions, and embracing the potential of compounding, you can anticipate significant returns by the year 2030, thereby inching closer to your financial goals.

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 May 25, 2024

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Hi myself Arun, age 39 years, monthly income 66k, I invested in mutual funds as monthly SIP.....2000 in quant smallcap, 3000 in quant multi asset fund, 2000 in axis midcap fund, 1000 in Nippon smallcap fund and last 2000 in kotak smallcap fund.....total 10000 monthly......how much return, can I get after 10 years and the choices of mutual funds are good right now.....
Ans: Arun! It's wonderful that you are investing systematically in mutual funds. Your disciplined approach to investing Rs 10,000 monthly is commendable. This shows your commitment to building a secure financial future.

Evaluating Your Mutual Fund Choices
You have diversified your SIPs across various funds:

Small-cap funds: Rs 2,000 in one fund, Rs 2,000 in another, and Rs 1,000 in a third

Multi-asset fund: Rs 3,000

Mid-cap fund: Rs 2,000

Benefits of Small-Cap Funds
Small-cap funds can offer high growth potential but come with higher risk. These funds invest in smaller companies with significant growth prospects. However, they can be volatile and require a longer investment horizon to mitigate risks.

Advantages of Mid-Cap Funds
Mid-cap funds invest in medium-sized companies that are in the growth phase. These companies have more stability compared to small-cap companies but still offer good growth potential. Mid-cap funds can balance risk and return in your portfolio.

Multi-Asset Fund Benefits
Multi-asset funds invest in a mix of asset classes like equity, debt, and gold. This diversification reduces risk and can provide more stable returns. Investing in a multi-asset fund helps balance the overall risk of your portfolio.

Disadvantages of Index Funds
Index funds, which track a market index, cannot outperform the market. They offer average market returns and lack flexibility in managing downturns. Actively managed funds aim to outperform the market and provide better returns.

Importance of Actively Managed Funds
Actively managed funds, managed by professional fund managers, seek to outperform the market. With expert management, these funds can provide higher returns by strategically selecting investments. This active management can be beneficial, especially in volatile markets.

Disadvantages of Direct Funds
Direct funds have lower fees but lack professional advice. Investing through a Mutual Fund Distributor (MFD) with a CFP credential ensures expert guidance. This helps in selecting funds that align with your financial goals and risk tolerance.

Projecting Future Returns
Predicting exact returns is challenging due to market volatility. However, historically, equity mutual funds have delivered around 12-15% annual returns over the long term. This can vary based on market conditions and fund performance.

Balancing Risk and Return
Your portfolio is heavily tilted towards small-cap funds. While they offer high growth potential, they also carry higher risk. Consider diversifying further into large-cap or balanced funds to reduce overall risk.

Regular Review and Rebalancing
It's important to review your investments periodically. Market conditions change, and regular rebalancing ensures your portfolio remains aligned with your goals. Consulting with a Certified Financial Planner (CFP) can help optimise your investment strategy.

Conclusion
Your current investment strategy is solid, focusing on growth through diverse funds. However, balancing your portfolio to manage risk is crucial. Professional guidance can enhance your investment decisions and help achieve your financial goals.

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 Oct 24, 2024

Money
Hello Sir namaskar Below is my monthly SIP. I want to continue it 4 10 yrs. What return can i get through this. Quant small cap-2500/- Pgim india small cap-2500/- Kotak small cap-5000/- Nippon india small cap- 1500/- Hdfc non cyclical consumer- 1500/- Quant mid cap - 1000/- Bandhan fin service-1000/-
Ans: Your current monthly SIP is well-structured, covering small-cap and mid-cap funds, as well as sectoral opportunities. The portfolio aims for high growth, but it also comes with some risk due to a high allocation to small-cap funds.

Key features of your portfolio include:

Focus on Small-Cap Funds: You have allocated Rs 11,500 to small-cap funds. Small-cap funds offer high potential for growth but come with volatility. They are better suited for long-term investors like you since you are investing for 10 years.

Diversification: The inclusion of sectoral and mid-cap funds adds some diversity, but it is still heavily skewed towards small-cap. This will give you more potential for high returns but with risks.

Risk and Volatility: Small-cap and mid-cap funds tend to be more volatile. You will see fluctuations in returns, especially in market downturns. However, over 10 years, these investments should stabilize and potentially yield significant returns.

Appreciating your dedication to a long-term investment approach, I must point out that while you can expect good returns, you will need to be prepared for market fluctuations.

Expected Returns and Risk Assessment
Though I won't name specific schemes, your portfolio leans towards aggressive growth. Based on historical trends:

Small-Cap Funds: Historically, small-cap funds have delivered returns between 12-15% over long periods. However, they can experience downturns, so expect some volatility.

Mid-Cap and Sectoral Funds: Mid-cap funds have the potential to provide returns of around 10-12% in the long run. Sectoral funds may vary depending on the industry’s performance but can deliver substantial gains in growth sectors.

Given your 10-year horizon, it is likely that you could achieve average annualized returns between 10-14%. Please remember that returns are not guaranteed and depend on market performance.

Benefits of Actively Managed Funds Over Index Funds
Since you are focused on small-cap and mid-cap funds, let me explain why actively managed funds can outperform index funds:

Active Management: Fund managers actively select stocks with high growth potential in small-cap and mid-cap spaces, often outperforming indices in the long term.

Flexibility: Actively managed funds can adjust their portfolio based on market conditions. This is especially important for small-cap funds, as market dynamics can change quickly.

Potential for Higher Returns: Small-cap and mid-cap funds managed by experienced fund managers can capitalize on opportunities that an index may miss.

In contrast, index funds or ETFs simply track a broad market and do not offer the same targeted growth potential as actively managed funds. By sticking to actively managed funds, you increase your chances of higher returns.

Importance of Regular Funds Over Direct Funds
There are several reasons why investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential is beneficial:

Expert Guidance: Regular funds come with the guidance of a Certified Financial Planner. This is particularly useful in managing risk, adjusting your portfolio, and optimizing returns.

Risk Management: As markets fluctuate, a CFP can help you rebalance your portfolio and reduce unnecessary risks.

Holistic Planning: Investing through an MFD ensures that you receive a comprehensive financial plan, which takes your entire financial situation into account, not just investments.

While direct funds may offer lower fees, you miss out on the professional support and planning that a Certified Financial Planner provides. In the long run, this guidance often results in better outcomes for investors.

Taxation Considerations on Mutual Funds
With the new taxation rules:

Long-Term Capital Gains (LTCG): For equity mutual funds, any gains over Rs 1.25 lakh are taxed at 12.5%.

Short-Term Capital Gains (STCG): STCG is taxed at 20%.

Debt Funds: If you decide to include debt mutual funds in your portfolio later, note that both LTCG and STCG on debt funds are taxed as per your income tax slab.

Understanding the tax implications will help you better manage withdrawals and gains in the future.

Evaluating Your Investment Horizon
Your 10-year investment horizon is ideal for the current portfolio because small-cap and mid-cap funds perform best over the long term. During this period, you will:

Capture Full Market Cycles: Small-cap funds are prone to higher volatility but can deliver strong performance over complete market cycles. A 10-year horizon is perfect for this strategy.

Benefit from Compounding: Staying invested for 10 years allows your returns to compound, significantly growing your wealth over time.

However, you should periodically review your portfolio, especially in the last 3 years of your investment term, to assess if any rebalancing is needed.

Suggestions to Improve Your Portfolio
While your portfolio is strong, a few adjustments could enhance your risk-return balance:

Consider Large-Cap or Balanced Funds: Introducing large-cap or balanced funds can reduce volatility, especially if market conditions worsen. These funds provide stability and diversification.

Sectoral Allocation: Having a sectoral fund in your portfolio is a good move for high growth, but be cautious of overexposure to one sector. If the sector performs poorly, it can drag down returns.

Periodic Reviews: Although you have a long-term horizon, it’s important to conduct annual reviews. This will help you stay on track and adjust your investments if needed.

Importance of Having a Goal-Based Approach
It’s important to link your investments to specific financial goals. This will help you stay motivated and maintain focus during periods of market volatility. Consider setting the following goals:

Retirement: If this portfolio is aimed at retirement, calculate how much you need at the end of 10 years. Adjust your SIPs accordingly to ensure you meet your retirement goals.

Education: If you are saving for children’s education, time your withdrawals carefully to avoid high taxes.

Setting clear goals will help you plan better and adjust your strategy if needed.

Emergency Fund and Insurance Coverage
If you haven't already, make sure you have an emergency fund in place. Ideally, this should cover 6 to 12 months of your monthly expenses. Also, ensure you have adequate life and health insurance coverage to protect your family and your financial plan in case of unforeseen events.

Rebalancing and Flexibility
It’s essential to remain flexible in your approach:

Periodic Rebalancing: As you approach the end of your investment term, consider rebalancing your portfolio. Move part of your investments to safer options to protect your gains.

Stay Open to Adjustments: As your financial situation or market conditions change, be open to adjusting your SIPs, fund choices, or asset allocation.

Finally
Your dedication to long-term investing is commendable. Over the next 10 years, you can expect strong growth from your portfolio. However, remember that market volatility is a part of the journey, especially with small-cap funds. Stick to your plan, and review your portfolio regularly. With the right adjustments, you will likely achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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Asked by Anonymous - Jul 04, 2025Hindi
Career
Sir Iam getting iit dharwad and iit mandi cse,iit bhu electronics engineering and nit Calicut cse.sir please advice which is better for placements and future.am so confused on what to choose
Ans: IIT Dharwad’s CSE (est. 2015) features NAAC A++ accreditation, PhD-qualified faculty in AI/ML and cybersecurity labs, strong industry internships, and recorded a 65% CSE placement rate in 2024. IIT Mandi CSE (est. 2009) offers cutting-edge software engineering, data-science and cloud-computing labs, nearly 90% placement consistency over the past three years (89.32% in 2024), and top recruiters like Google and Amazon. IIT BHU’s Electronics Engineering benefits from multidisciplinary research labs (VLSI, signal-processing, communications), accomplished faculty, and 81.63% ECE placements in 2024. NIT Calicut CSE (est. 1961) boasts NBA accreditation, a 100% CSE placement record in 2021, modern computing infrastructure, robust alumni networks, and consistent recruiter engagement. All four maintain active placement cells, mandatory internships, and strong industry tie-ups.

Final recommendation:
For broad software roles and highest placement consistency, choose NIT Calicut CSE. If you prioritise international tech-driven internships and robust data-science labs, opt for IIT Mandi CSE. For interdisciplinary core-electronics exposure, select IIT BHU Electronics Engineering. Consider IIT Dharwad CSE if you value emerging campus culture and personalized mentorship. 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

Asked by Anonymous - Jul 04, 2025Hindi
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For B.Tech Aeronautical engineering which is the best Nitte Meenakshi Institute of technology or Jain University
Ans: Nitte Meenakshi Institute of Technology (NMIT) Bengaluru’s Aeronautical Engineering program (est. 2011, intake 120) is NBA-accredited and VTU-affiliated, taught by PhD-qualified faculty with DRDO/ISRO collaborations and facilities including a Cessna 172 aircraft, MiG-21 engine, subsonic wind tunnel, UAV, propulsion, structures, avionics, and simulation labs. It recorded an 82.86% Aero placement rate in 2024 via 192 recruiters, with mandatory industry internships and funded R&D projects. Jain University’s B.Tech Aerospace (IIAEM) is NBA-accredited under JU-FET, led by alumni of IISc, IITs and former DRDO/ISRO scientists, offering flight lab training at IIT Kanpur, computational labs (3DEXPERIENCE, Ansys-CFD, MATLAB), and industry-driven projects. Its overall engineering placement stands at 51.69% in 2023, backed by tie-ups with Google, Microsoft, Tech Mahindra, Mercedes-Benz and SIATI. Both maintain active placement cells, mentorship programs, and research opportunities, but NMIT’s higher Aero-specific placements and core-engineering infrastructure contrast with Jain’s broader aerospace-management focus and stronger software-oriented recruiters.

Final recommendation:
For robust core-Aeronautical training, superior laboratory infrastructure, and higher placement consistency in the Aerospace domain, recommendation is NMIT Bengaluru Aeronautical Engineering. Choose Jain University Aerospace if you prioritise interdisciplinary aerospace management, international exposure at flight labs, and a technology-driven curriculum with diverse industry collaborations. 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

Asked by Anonymous - Jul 04, 2025Hindi
Career
Is LNCT main campus or Viteee Bhopal better in all aspects apart from pakage
Ans: LNCT Bhopal is a self-financed institute established in 1993, NAAC-‘A’ and NBA-accredited for all major engineering programs, affiliated with AICTE and RGPV, with 92% PhD-qualified faculty and a 1:10 faculty-student ratio. Its 35-acre urban campus offers sophisticated digital classrooms, 27 specialized labs (AI/ML, IoT, cybersecurity, SEM/TEM, X-ray diffraction), industry-institute cells and MoUs with TCS, Infosys, Wipro, Ericsson and TCS, ensuring real-time learning and entrepreneurship support. Over the last three years, LNCT has sustained an 85–90% placement consistency with top recruiters across IT, core engineering and government forces.

VIT Bhopal, founded in 2017 as an Institution of Eminence, holds NAAC A++ and UGC recognition, with ABET accreditation for 14 B.Tech programs, plus NBA approval. Its 100-acre Wi-Fi-enabled campus features state-of-the-art AI/ML, robotics, cyber-security, cloud-computing and practice-school labs, supported by a centralized VIT Career Development Centre and alumni network. Faculty are research-active PhDs from IITs and international collaborations, publishing extensively in SCOPUS-indexed journals. VIT records a 90% placement rate for three consecutive years (2021–23) with 800+ recruiters including Google, Microsoft and Deloitte, and offers global exchange, industry internships and innovation hubs.

Final recommendation: Considering superior accreditation breadth, deeper research orientation, modern interdisciplinary labs, and expansive industry-academic linkages, recommendation is VIT Bhopal. For a more personalized mentorship environment, long-standing state-level leadership, and strong core-engineering infrastructure within Madhya Pradesh, opt for LNCT Bhopal. 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

Career
Sir my son is getting CSE in SGSITS Indore and IIIT Dharwad , which one should I choose
Ans: Atharv Sir, Shri Govindram Seksaria Institute of Technology & Science (SGSITS) Indore’s B.Tech in Computer Science & Engineering is NBA-accredited and holds NAAC A grade, delivered by over 100 faculty (many PhDs) across state-of-the-art computing, AI/ML, cybersecurity and data-science labs. Its dedicated T&P cell achieved 100% CSE branch placements over the last three years, with a median package of ?7 LPA in 2024 and sustained recruiter engagement. IIIT Dharwad’s B.Tech CSE is part of a NAAC A++–accredited IIIT established in 2015, guided by research-active PhD faculty in AI, data-mining, VLSI and embedded-systems labs. Its placement drive recorded 62% in 2024 and 66% in 2025 with a median package of ?8 LPA, average ?10 LPA, and 77 recruiters. SGSITS benefits from a 72-year legacy, government-aided autonomy, strong alumni, and full branch placements, while IIIT Dharwad offers fresher state-of-the-art curriculum, higher average packages, and growing industry ties.

Recommendation: For guaranteed full CSE branch placements, robust legacy infrastructure, and consistent median packages, choose SGSITS Indore CSE. If you prioritise a newer IIIT with higher average packages, cutting-edge labs, and expanding recruiter networks, opt for IIIT Dharwad CSE. All the BEST for Admission & a Prosperous Future!

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