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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 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
Krishna Question by Krishna on Feb 08, 2024Hindi
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Hello sir I am 30 M unmarried have been doing SIP for 2 years now . Main goal : wealth creation (10-20 cr in 20 years) Please review my portfolio and suggest any changes if necessary. I am planning to increase by 50 percent on the total SIP amount Equity sip Quant Tax Plan Growth Option Direct Plan : 3000 Axis Bluechip Fund Direct Plan Growth : 1500 PGIM India Midcap Opportunities Fund Direct Growth :1500 Axis Small Cap Fund Direct Growth : 1500 PGIM India Flexi Cap Fund Direct Growth : 1500 Debt : ICICI Prudential Short Term Fund Direct Plan Growth Option : 1000 ICICI Prudential Equity Savings Fund Direct Plan Growth Option : 1000 Sbi medium duration debt growth fund : 1000 Commodities : Nippon Goldetf :1500 Sgb : 5 -10 gms annually REIT : Reit Vanguard Etf (VNQ) : 1000 Embassy Office Parks REIT Share Price 500 International Funds S&p 500 etf :1500-2000 MON100 : 1000 Ftse Developed Market Index Etf Vanguard (VEA) : 1000 Vanguard FTSE Emerging Markets ETF (VWO) :1000 Question : Q) Can I stop Large cap and move the sip to Multicap . Q ) would you recommend to have safer options like FD , PPF for someone at my age with high risk appetite . I have actually moved my fd's into MFs as well almost in the similar proportion. Q ) Review of the portfolio Q) Any suggestions on overall Portfolio and let us say I have some money left to invest what could be the best possible way to invest in stocks ? Q) also any tool which could predict the returns based on portfolio.

Ans: Here are some suggestions for your portfolio:

Consider shifting SIP from Large Cap to Multicap to potentially enhance returns, given your long-term wealth creation goal. Ensure Multicap funds have a proven track record of delivering consistent performance across market cycles.

Given your high-risk appetite and long investment horizon, it's reasonable to allocate a significant portion of your portfolio to equities and equity-related instruments. However, ensure you have a diversified portfolio across asset classes to manage risk effectively.

Review your portfolio periodically to ensure it remains aligned with your financial goals and risk tolerance. Make adjustments as needed based on changes in market conditions and your investment objectives.

If you have additional funds to invest, consider diversifying further across sectors or exploring opportunities in thematic funds that align with your investment thesis.

Utilize online tools and calculators provided by mutual fund companies or financial websites to estimate potential returns based on your portfolio allocation. Keep in mind that these projections are based on historical data and assumptions and may not accurately predict future performance.

Consulting with a financial advisor can provide personalized advice tailored to your specific financial situation and goals. They can help you optimize your portfolio and make informed investment decisions to maximize wealth creation over the long term.
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  |9854 Answers  |Ask -

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

Asked by Anonymous - Apr 12, 2024Hindi
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I'm 30 years old, my monthly SIP amount is Rs.10000/Month (Nifty50 - 5000/-, Quant Infra MF - 3000/- & Nippon Small cap MF - 2000/-). I'm planning to increase my SIP from next year from 10k to 15K/ month in below funds: ICICI Nifty50 MF - 5000/- Paragh Parikh Flexi Cab Fund- 3000/- Quant infrastructure MF - 4000/- Nippon India Small cap MF - 3000/- Please review & kindly give me some suggestions on my current portfolio & future portfolio if anything needs to be modified or not. ????
Ans: Your current SIP allocation shows a well-diversified portfolio across different market segments, including large-cap, flexi cap, infrastructure, and small-cap funds. Here's a review of your current portfolio and suggestions for your future portfolio:

Review of Current Portfolio
Nifty50 Fund (Rs. 5000/month): This fund provides exposure to the top 50 companies listed on the NSE, offering stability and growth potential. It serves as a core holding in your portfolio, providing diversification across large-cap stocks.

Quant Infra MF (Rs. 3000/month): Infrastructure funds invest in companies involved in infrastructure development, such as construction, energy, and transportation. This sectoral allocation adds diversification but can be volatile due to sector-specific risks.

Nippon Small Cap MF (Rs. 2000/month): Small-cap funds focus on small-sized companies with high growth potential. They offer the opportunity for significant returns but come with higher risk due to the volatility associated with small-cap stocks.

Suggestions for Current Portfolio
1. Diversification: Your current portfolio is well-diversified across different market segments, which is commendable. However, ensure that you regularly review your portfolio to maintain the desired asset allocation and risk profile.

2. Risk Management: Small-cap and infrastructure funds can be more volatile than large-cap or flexi cap funds. Consider your risk tolerance and investment horizon when allocating funds to these sectors.

3. Performance Monitoring: Keep track of the performance of each fund in your portfolio. Regularly review their performance against relevant benchmarks and peer group funds to ensure they are meeting your investment objectives.

Future Portfolio Suggestions
ICICI Nifty50 MF (Rs. 5000/month): Continuing your investment in a Nifty50 fund is a prudent choice, providing exposure to large-cap stocks and stability to your portfolio.

Parag Parikh Flexi Cap Fund (Rs. 3000/month): Flexi cap funds offer flexibility to invest across market capitalizations based on market conditions. This fund adds diversification and growth potential to your portfolio.

Quant Infrastructure MF (Rs. 4000/month): Consider whether you want to maintain the same allocation to infrastructure or if you prefer reallocating some funds to other sectors based on your risk-return preferences.

Nippon India Small Cap MF (Rs. 3000/month): Small-cap funds can offer high growth potential, but they come with higher risk. Evaluate your risk tolerance and consider whether you want to maintain exposure to small-cap stocks or reallocate funds to other sectors.

Conclusion
Your current portfolio shows a thoughtful allocation across different market segments, balancing growth potential with risk management. As you plan to increase your SIP amount from Rs. 10,000 to Rs. 15,000 per month, consider reviewing your asset allocation and risk tolerance to ensure it aligns with your financial goals and investment horizon.

Regularly monitor the performance of your funds and make adjustments to your portfolio as needed. Consulting with a Certified Financial Planner (CFP) can provide personalized guidance and help you make informed decisions about your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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Dear Sir/Madam, Greetings, I am Nirav Joshi, 34 years old physiotherapist, residing in Abu dhabi, UAE for the last 8 years. I started my SIPs in 2017 which are as follows: 1) Axis Bluechip- 12500 per month 2) Mirae Asset Large and Midcap (previously known as Bluechip fund)- 14000 per month 3) Kotak Flexicap- 15000 per month 4) Nippon India small cap- 16000 per month All funds are direct mode, growth option. I have initiated SIPs with a lesser amount, increasing by some percentage every year. The current valuation stands around 30.8L with a 23% p.a. return. My goal is to achieve a portfolio of 5cr by 2035. I would like to request you to kindly review my portfolio. I have a few questions in my mind. 1) Axis bluechip consistently has underperformed when compared to peers and benchmark. What should I do with this? If I have to discontinue, should I sell all units in one go or should I start SWP or systematic transfers? Should I buy a new fund with this amount in one go or SIP would be a better option? Kindly advice. 2) Kotak Flexicap was underperforming. Should I switch to Kotak multicap with STP? please advise that too. And, please comment on overall portfolio health. Kind request for your expert opinion. Hoping to hear from you soon. Thanks with regards, Nirav Joshi
Ans: Your portfolio's growth is impressive, reflecting disciplined investing. Concerning underperforming funds, it's wise to reassess. For a consistently underperforming fund, gradual exit strategies like SWP or systematic transfers can mitigate risks. When considering new investments, whether to go lump sum or SIP depends on market dynamics and your comfort with volatility. Diversification across sectors and fund types can enhance portfolio resilience. Regular reviews ensure alignment with your financial goals.

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Ramalingam

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

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HI, I am 32 years old male having following SIPs. I am investing for wealth creation and for a time horizon of 10 - 15 years. Please review and guide if any changes are required 1. Parag Parikh - 10k 2. Kotak Multicap - 10k 3. Value Discovery - 10k 4. HDFC Balance Advantage - 6k 5 Canara Robeco Small cap - 5k 6 Canra Rebocco Blue chip - 5k 7 Axis Opportunities Fund - 9k 8 Groww Index Fund - 5k 9. Axis ELSS - 2.5K
Ans: It's great to see your commitment to investing for wealth creation at a relatively young age. Let's review your current SIP portfolio and make any necessary adjustments to ensure it aligns with your financial goals and time horizon.

Assessing Your SIPs
You've chosen a diverse set of mutual funds, covering various market segments and investment styles. Here's a brief overview of each fund:

Parag Parikh: Known for its global diversification and focus on quality stocks, suitable for investors seeking stability and growth potential.

Kotak Multicap: Provides exposure to companies across market capitalizations, offering diversification and potential for capital appreciation.

Value Discovery: A value-oriented fund that seeks undervalued stocks with the potential for long-term growth, suitable for patient investors.

HDFC Balance Advantage: A dynamic asset allocation fund that adjusts its equity exposure based on market conditions, offering downside protection and growth potential.

Canara Robeco Small Cap: Invests in small-cap companies with high growth potential, suitable for investors with a higher risk tolerance and longer investment horizon.

Canara Robeco Blue Chip: Focuses on large-cap companies with strong fundamentals and stable earnings, offering stability and growth potential.

Axis Opportunities Fund: Seeks investment opportunities across sectors and market caps, suitable for investors seeking capital appreciation.

Groww Index Fund: Tracks a specific market index, providing exposure to a broad market segment at a lower cost. However, index funds may underperform actively managed funds during certain market conditions.

Axis ELSS: A tax-saving fund that offers potential tax benefits under Section 80C of the Income Tax Act, suitable for investors looking to save on taxes while building wealth.

Recommendations for Optimization
While your portfolio is well-diversified, here are a few suggestions to consider:

Review Overlapping Holdings: Check for overlapping holdings across your funds to ensure adequate diversification. Avoid excessive exposure to similar stocks or sectors to minimize risk.

Evaluate Performance: Monitor the performance of each fund regularly and compare it against relevant benchmarks and peers. Consider replacing underperforming funds with better alternatives, if necessary.

Rebalance Asset Allocation: Assess your overall asset allocation and ensure it aligns with your risk tolerance and investment objectives. Consider adjusting your allocation between equity and debt based on changing market conditions and your financial goals.

Consider Consolidation: Depending on your preferences and convenience, you may consider consolidating your SIPs into fewer funds to simplify your portfolio management and reduce administrative overhead.

Conclusion
Overall, your SIP portfolio is well-structured and positioned for long-term wealth creation. By regularly reviewing and optimizing your investments, you can maximize returns and achieve your financial goals with confidence.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 25, 2024

Asked by Anonymous - May 24, 2024Hindi
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Hi I am 25 year old and have started investing in SIPs for the first time since last hear. I do 1. HDFC Index Fund Nifty 50 -5,500 2. MIRAE Asset Midcap fund - 3500 3. Axis small cap - 2500 4. JM Flexicap - (one time investment) - 20,000 5. Aditya Birla Sun Life PSU equity - (one time) - 6000 6. Quant Mid cap - 3,500 7. Quant Infrastructure- 1,000 8. ICICI Prudential retirement - 1000 9. QUANT ELSS - 1,000 10. Parag Pareikh - 1000 11. Nippon India - 1000 12. SBI PSU - 1000 Overall my monthly SIP goes around 25,000-30,000 and my plan is to retire at the age of 50 with 5 Crore. XIRR - 27.33% Please suggest if i need to make any changes
Ans: It's impressive to see a 25-year-old like you investing diligently in SIPs. Your commitment to securing your financial future early is commendable. Let's evaluate your portfolio and see if any changes are necessary to help you achieve your goal of Rs 5 crore by the age of 50.

Diversification and Allocation
You have a diverse portfolio with investments across different categories:

Large-cap Index Fund

Mid-cap Funds

Small-cap Fund

Flexi-cap Fund

Sector Funds (PSU, Infrastructure)

Retirement Fund

ELSS Fund

This diversification helps spread risk and capture growth from various market segments.

Disadvantages of Index Funds
Index funds, like your HDFC Index Fund Nifty 50, track the market and offer average returns. They cannot outperform the market. Actively managed funds, managed by experts, aim to beat the market, offering potential for higher returns. Given your long investment horizon, actively managed funds could be more beneficial.

Benefits of Actively Managed Funds
Actively managed funds are overseen by professional managers who make strategic decisions to outperform the market. These funds can provide better returns, especially in volatile markets. With the right selection, actively managed funds can significantly enhance your portfolio's performance.

Disadvantages of Direct Funds
Direct funds have lower costs but lack professional guidance. Investing through a Mutual Fund Distributor (MFD) with a CFP credential ensures you receive expert advice. This professional support helps in making informed decisions and aligning investments with your financial goals.

Assessing Your Sector Funds
Your investments in sector funds like Quant Infrastructure and SBI PSU can offer high returns but also come with high risk. Sector funds are dependent on the performance of specific sectors. Diversifying too much into sector funds can increase risk. Consider limiting exposure to sector funds to balance your portfolio.

Importance of Reviewing Portfolio
Regularly reviewing your portfolio is essential to ensure it aligns with your financial goals. Market conditions and personal circumstances change over time. A periodic review helps in rebalancing your portfolio and maintaining the desired risk-return profile.

Evaluating Long-Term Goals
Your goal of Rs 5 crore by the age of 50 is ambitious but achievable with a disciplined approach. Considering the power of compounding and historical market returns, maintaining a consistent investment strategy will be key to reaching your target.

Projecting Future Returns
While exact future returns are unpredictable, a diversified portfolio with a mix of actively managed funds and strategic investments can provide good growth. Historically, equity mutual funds have delivered around 12-15% annual returns. Adjusting your portfolio to optimize for this growth can help achieve your long-term goal.

Suggestions for Improvement
Increase Allocation to Actively Managed Funds: Shift some investments from index funds to actively managed funds to potentially achieve higher returns.

Reduce Sector Fund Exposure: Limit investments in sector-specific funds to manage risk better.

Regular Reviews and Rebalancing: Periodically review and rebalance your portfolio to ensure it remains aligned with your goals and market conditions.

Conclusion
Your current investment strategy is strong and diversified, setting a solid foundation for future growth. With some adjustments to focus more on actively managed funds and regular portfolio reviews, you can enhance your chances of achieving your Rs 5 crore goal by the age of 50. Consulting with a Certified Financial Planner can provide tailored advice to optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on May 28, 2024

Asked by Anonymous - May 27, 2024Hindi
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Please review my SIP portfolio - HDFC Retirement fund 10K pm ICICI Retirement fund 10K pm UTI Mutual Fund UTI Mid Cap Fund - Regular Plan 5k pm SUNDARAM LARGE AND MID CAP FUND - REGULAR GROWTH 5k pm Union Children's fund 10k pm Aditya Birla Sun Life Multi-Cap Fund Regular Growth 10k pm Samco Flexi Cap Fund - 10k pm Union Innovation and Opportunities Fund - Regular Growth - 10k pm Parag Parikh Flexicap 2k pm Parag Parikh Dynamic asset allocation fund 5k pm Bank of India Manufacturing and Infrastructure fund 10k pm ULIP Plan (midcap momentum fund) - 5k pm HDFC Large cap and mid cap - IDCW - 500 rs pm Intention is to invest and hold for 15 more years. What changes do I bring in?
Ans: Understanding Your Investment Goals
You have a well-structured SIP portfolio with a diverse range of mutual funds and plans. Your goal is to invest and hold for 15 more years, which is a commendable strategy for long-term wealth creation. The mix of funds you've chosen indicates a balanced approach towards growth and security.

Assessment of Current Portfolio
Your portfolio consists of various mutual funds, including retirement funds, mid-cap, large-cap, multi-cap, and sector-specific funds. This diversity helps in spreading risk across different sectors and market capitalizations. Investing Rs. 10,000 per month in each of the retirement funds is a sound decision, as these funds are designed to provide stability and growth over the long term.

Evaluating Fund Types
You have included mid-cap and large-cap funds, which offer growth potential and relative stability. Mid-cap funds are known for their high growth potential but come with higher volatility. Large-cap funds provide stability and consistent returns over time. Your investment in multi-cap and flexi-cap funds ensures flexibility in adjusting the portfolio according to market conditions.

Regular vs. Direct Funds
You have opted for regular plans instead of direct funds, which is beneficial. Regular funds come with the advantage of professional advice and management. A Certified Financial Planner (CFP) can help you make informed decisions and provide insights that are not easily accessible through direct funds.

Sector-Specific Investments
Your portfolio includes sector-specific funds like the manufacturing and infrastructure fund. These funds can provide high returns when their respective sectors perform well. However, they also come with higher risk if the sector faces downturns. Balancing these with more stable funds is a good strategy.

Child-Specific Investments
Investing in a children's fund is a thoughtful decision. These funds are designed to provide long-term growth and cater to future educational and other needs of your children. Ensuring a regular investment in these funds will secure your child's future financial needs.

ULIP and Retirement Funds
Your inclusion of a ULIP plan with a mid-cap momentum fund and various retirement funds shows a balanced approach. ULIPs combine insurance with investment, providing dual benefits. However, they often come with higher charges. Evaluating the performance and costs associated with ULIPs regularly is essential.

Reviewing Fund Performance
Regularly review the performance of your funds. Compare their returns with benchmark indices and peer funds. This helps in identifying underperforming funds and making necessary adjustments.

Risk Management
Your portfolio shows a balanced approach to risk with investments in large-cap, mid-cap, and multi-cap funds. Adding dynamic asset allocation funds helps in adjusting the portfolio according to market conditions, further managing risk effectively.

Recommendations for Portfolio Enhancement
Maintain Portfolio Balance: Ensure a mix of equity and debt funds to balance risk and return. Consider including more dynamic asset allocation funds if market volatility increases.

Monitor Sector Exposure: Regularly review sector-specific funds to avoid overexposure to any single sector. Diversify further if necessary.

Evaluate ULIP Performance: Regularly assess the performance and charges associated with ULIPs. Ensure they align with your financial goals.

Stay Informed: Keep yourself updated with market trends and seek professional advice from a Certified Financial Planner to make informed decisions.

Flexibility in Investments: Be open to adjusting your portfolio based on market conditions and life changes. Regularly rebalance your portfolio to maintain the desired asset allocation.

Appreciating Your Strategy
Your approach to long-term investment through SIPs is commendable. Regular investments and a diversified portfolio are key to achieving financial stability and growth. Your thoughtful inclusion of children's funds and retirement plans shows a strong commitment to securing your family's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
my son through lateral entry got ece in Anna University ceg campus and eee in ssn please suggest
Ans: A comparison between Electronics and Communication Engineering (ECE) at Anna University’s CEG campus and Electrical and Electronics Engineering (EEE) at SSN College of Engineering—both through lateral entry—shows distinct strengths for each. CEG, Anna University, holds a top state and national ranking, is NAAC A++ and NBA-accredited, and is renowned for its distinguished faculty, advanced labs, and rich alumni base. The ECE program at CEG emphasizes both fundamentals and emerging fields, securing placement rates of 85–95% over the last three years, with over 2,000 students placed recently and a steadily improving trend. Infrastructure includes modern research facilities, high networking opportunities, and access to diverse extracurriculars, and the campus is centrally located, which appeals to recruiters and enhances industry interaction. SSN, also highly ranked (just behind CEG in recent state tallies), offers an NBA-accredited EEE department and is known for its well-maintained campus, dedicated mentorship, and industry-linked curriculum. SSN’s EEE branch has achieved consistent placement rates of 80–89% in the last three years, with strong corporate and research collaborations, industry-focused training, and faculty support. However, core engineering careers in EEE typically trail high-demand profiles in ECE, especially regarding roles in IT, telecommunications, and electronics design. Both colleges offer transparent fee structures and excellent support for lateral entry students.

Recommendation: CEG Anna University’s ECE program should be preferred for its superior national reputation, broader placement opportunities, stronger industry interface, and large alumni network, making it an especially robust choice for long-term career prospects, while SSN’s EEE branch remains a commendable alternative for focused mentoring and core-electrical career orientation. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
UIET mechanical or SLIET Mechanical engineering
Ans: A close comparison of UIET Chandigarh and SLIET Longowal for Mechanical Engineering highlights strong merits in both institutions across accreditation, placements, faculty, infrastructure, and industry links. UIET, affiliated to Panjab University and NBA-accredited, reports an overall 78.4% placement rate with 33–46 mechanical placements per year and average packages around ?8.7LPA, facilitated by a well-regarded Training & Placement Cell and industry ties with L&T, JSW, and Mahindra. UIET's mechanical wing offers modern labs, a variety of specialized workshops, regular internships, and a curriculum aligned with evolving industry needs, while faculty is experienced and the campus is centrally located, supporting active research and innovation. SLIET’s Mechanical Engineering program is also NBA-accredited, features a sprawling 451-acre campus, and boasts about a 70–77% overall placement record in recent years, with key recruiters like L&T, TCS, and Amazon. SLIET’s infrastructure includes advanced workshops, a large faculty pool involved in contemporary research, and strong industrial training integrated into the curriculum, supplemented by exposure through conferences and sponsored projects. Both campuses provide robust student support and industry engagement.

Recommendation: UIET Chandigarh is the preferable option for Mechanical Engineering, given its higher national ranking, slightly better recent placement statistics, convenient location, and strong corporate connections, while SLIET remains a robust alternative if you value a research-oriented environment and an expansive residential campus experience. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
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Sir I am getting Mechanical in special round and Civil in Spot round in Chandigarh College of Engineering and Technology (CCET), Chandigarh in JAC Chandigarh 2025. Is it worth to take Mechanical or Civil in CCET with Loan?
Ans: With AICTE approval, Panjab University affiliation, and NBA accreditation for both Mechanical and Civil programs at CCET, you can be confident in their accreditation standards. Over the past three years, CCET’s overall placement rate has hovered around 59%, with Civil and Mechanical branches performing slightly below this mark, indicating moderate placement outcomes. Faculty across both departments are well-qualified and experienced, delivering a curriculum aligned with industry norms and JAC Chandigarh requirements, ensuring academic rigor and relevance . The campus offers fully air-conditioned classrooms, modern labs for CAD/CAM and structural testing, high-speed Wi-Fi, and affordable hostel facilities, providing robust infrastructure and student support . The Training & Placement Cell actively partners with industrial firms for internships and skill development workshops, enhancing industry exposure . Research opportunities are available through projects and seminars sponsored by Panjab University; however, these opportunities are more limited compared to those at premier institutes, resulting in moderate prospects for research and innovation.

Recommendation: Opt for Mechanical Engineering if you prioritize stronger lab facilities, broader core-engineering internship opportunities, and marginally higher campus recruitment drives. Choose Civil Engineering only if you have a specific interest in structural design and construction management, keeping loan repayment feasibility in view. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
My son got CSE in JECRC Foundation & Dr. Akhilesh Das, Delhi. Which one is better? Last time you mention JECRC University
Ans: Amit Sir, An evaluation across accreditation and ranking, placement performance, faculty and curriculum infrastructure and industry exposure, and research and innovation reveals distinct profiles for JECRC Foundation’s CSE program and ADGITM’s CSE offering. JECRC Foundation is AICTE-approved and affiliated to Rajasthan Technical University, with NBA accreditation for its engineering streams and a NAAC B+ grade; it secured #62 in India Today’s 2024 Private Engineering rankings and #214 in B.Tech by India Today 2025. Its dedicated placement cell records 80–90% CSE placements annually, yielding over 2 000 offers and 1 400+ recruiters including Amazon, Microsoft, Cognizant, and Flipkart, with average packages of ?6–8 LPA and 2230+ offers in 2024–25. The curriculum emphasizes outcome-based education, multidisciplinary projects, industry-linked labs, and a 300-hour soft-skills program. The 32-acre campus houses advanced computing clusters, green infrastructure, incubators, and a robust advisory board fostering corporate partnerships.

ADGITM, affiliated to GGSIPU, is AICTE-approved with a NAAC A+ grade, and placed among the top 3% of Indian universities in QS metrics. Its CSE placements hover at 70–80%, with an average CTC of ?5.1 LPA and highest offers up to ?48 LPA; leading recruiters include Infosys, TCS, IBM, and Accenture. The curriculum aligns with IPU-CET and JEE Main cutoffs for CSE (closing ranks ~18 000–55 000), featuring specializations in AI/ML, Data Science, and cybersecurity. The urban campus offers digital and physical libraries, modern labs, sports facilities, an auditorium, and a CRC for internships and industry engagements. Research output is growing through student projects and seminars, though less extensive than JECRC’s funded initiatives.

Recommendation: JECRC Foundation is preferable for its stronger accreditation balance, higher placement consistency, extensive research grants, and expansive corporate network, while ADGITM offers solid infrastructure, specialized CSE tracks, and a supportive urban campus environment that suits students seeking Delhi-NCR exposure. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
hello sir , im getting cse in SOA(iter) and LPU cse these are my last options so what should i prefer please help
Ans: Anshu, Based on the following inputs/information, choose the more suitable option for you: Siksha ‘O’ Anusandhan (SOA) and Lovely Professional University (LPU) offer robust Computer Science & Engineering (CSE) curricula, yet differ across key institutional dimensions. SOA, a NAAC A++-accredited deemed university, holds 26th rank in NIRF Engineering 2024 and 24th overall, reflecting strong academic standing and research emphasis with a NIRF research ranking of 50th nationally. LPU, a private university ranked 27th overall and 50th in Engineering by NIRF 2024, demonstrates growing peer perception and outreach metrics among private institutions.

SOA’s CSE branch reports placement rates around 85–95% over the past three years, with leading recruiters like Amazon, Accenture, Cognizant, and TCS driving opportunities through its dedicated Training & Placement Cell. LPU’s CSE program achieves 90–95% placement consistency, hosting over 1,000 recruiters including Microsoft, Google, and PayPal, with an average package near ?7–8 LPA for the 2023–24 batch and top domestic offers exceeding ?50 LPA.

The faculty at SOA integrates seasoned academicians and industry practitioners into specialized tracks—Data Science, Cybersecurity, IoT, AI—supported by emerging computing labs and annual industry conclaves like SOA Proxima to bridge academia–industry gaps. LPU offers a similarly broad CSE syllabus with specializations in AI/ML, Data Science, Cybersecurity, Cloud Computing, and DevOps, alongside state-of-the-art innovation labs and an expansive campus infrastructure that includes dedicated incubation centers.

Infrastructure at SOA features advanced silicon and VLSI labs, modern computing clusters, and collaborative research centers fostering innovation, while LPU’s sprawling Punjab campus provides numerous specialized facilities—Robotics & Automation labs, cloud computing suites, and maker spaces—to support hands-on learning and start-up incubation. Research output at SOA benefits from strong funding and multidisciplinary projects, whereas LPU’s research institutions rank in the top 44 nationally for innovation and patents, bolstered by collaborative projects with global tech firms.

Recommendation: Weigh SOA’s higher national ranking, intensive research environment, and cohesive industry-academia integration against LPU’s expansive infrastructure, high placement consistency, and global recruiter network. Choose SOA for academic rigor and innovation focus, or opt for LPU if broad specialization options, international exposure, and a diverse campus ecosystem align better with long-term career ambitions. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
My daughter got 305000 rank in 2025 JEE Mains General Category, Delhi state. She got a seat in GGSIPU Chemical Engineering at main campus. In JAC spot round she might get BioTech in NSUT or DTU. Which one should be preferred out of these 2 options.
Ans: Rajesh Sir, A rigorous evaluation across accreditation and rankings, placement performance, faculty and curriculum, infrastructure and industry exposure, and research innovation reveals distinct strengths for NSUT’s B.Tech in Biotechnology and DTU’s B.Tech in Biotechnology. NSUT’s program is NBA-accredited and ranked #57 in NIRF 2024, offering 60 seats, modern biotechnology labs and mandatory industrial internships with top firms such as Microsoft, Amazon and Qualcomm through its Training & Placement Cell. Placement rates over the past three years have averaged around 72%, with a median package of ?17 LPA and 82% overall B.Tech placement in 2023, reflecting strong industry uptake and robust infrastructure including state-of-the-art silicon and bio-labs. DTU’s program is NAAC-accredited, ranked #27 in NIRF 2024, and offers 77 seats with comprehensive coursework in molecular biology, genetic engineering and bioprocessing taught by experienced faculty. Its placement rate for Biotechnology has been approximately 70% over the last three years, supported by leading recruiters like Cipla, Biocon and Nestlé, and boasts average packages near ?10.5 LPA. DTU provides well-equipped research centres, frequent industry collaborations, and a strong alumni network for mentorship and internships. Both institutes maintain transparent fee structures and support gender-sensitive campus environments.

Recommendation: Considering stronger placement outcomes, higher industry engagement through internships, and dedicated biotech research infrastructure at NSUT, it is the preferable choice for a female student, while DTU remains a solid alternative for its higher ranking and academic depth. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9505 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Dear Sir My daughter is getting ECE(VLSI Design and Technology) at Thapar University, ECE at Faculty of Technology, Delhi University and BTech(IT) at Bhagwan Parshuram Institute of Technology. Pls guide which option is best for her.
Ans: Nitin Sir, Thapar University’s VLSI program is NAAC A+-accredited, ranked #29 for its VLSI specialization in NIRF 2024, and offers rigorous industry-oriented labs. Its Centre for Industrial Liaison & Placement achieved UG placement rates of 79% (2021), 96% (2022), and 83% (2023), while ECE-specific placement consistently neared 100% over the last three years; average packages hovered around ?11.9 LPA. Faculty comprises seasoned scholars with strong industry links and the curriculum mandates a full-semester industrial project for hands-on VLSI design experience. Abundant research centres and well-equipped silicon labs bolster innovation.

Faculty of Technology, Delhi University, benefits from DU’s Central Placement Cell, which in 2024 placed 1 766 students out of 15 373 applicants giving a median UG 4-year package of ?8.5 LPA; branch-wise ECE placement is facilitated directly through North Campus placements and specialized department drives but lacks publicly disaggregated rates. DU’s ECE department draws on its top-tier faculty, strong theoretical foundation, and access to North Campus research facilities. Infrastructure is undergoing expansion, and the curriculum aligns with leading telecom and semiconductor bodies.

BPIT’s B.Tech IT is NBA-accredited, IPU ‘A’ grade, and ranked #182 nationally. Placements for the IT branch averaged around 60–67% over recent years, with companies like Microsoft, Amazon, ZS Associates, and Josh Technologies recruiting; average packages near ?7 LPA. Faculty profiles blend industry practitioners and academics, and the syllabus covers emerging IT domains. Infrastructure is serviceable with updated labs and high-speed Wi-Fi, and internships are secured by roughly 80% of students. Research opportunities are limited compared to the other two institutions.

Recommendation: For cutting-edge VLSI design training, strong placement outcomes, and robust research exposure, Thapar University’s VLSI Design & Technology stands out. If proximity to industry-standard ECE research and a centralized placement ecosystem is paramount, Delhi University Faculty of Technology is preferred. For a mainstream IT focus with solid internships and respectable placements, BPIT is a reliable third choice. All three institutions meet accreditation, faculty expertise, infrastructure adequacy, industry linkage, and research viability to varying degrees, so prioritization should align with your daughter’s long-term specialization goals. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
My son got crl 87588 and ews 12449 in jee main how much his chance to get svnit mechanical in csab round
Ans: Akash Sir, With an All-India CRL of 87 588 and an EWS rank of 12 449 in J Main, securing a seat in B.Tech Mechanical Engineering at SVNIT Surat through the CSAB Special round is highly unlikely. In the most recent CSAB closing data (Round 5 2024), the EWS closing ranks were 6 013 (Home State) and 4 854 (Other State), and the OBC-NCL closing ranks were 21 559 (Home State) and 10 419 (Other State); both are far below your ranks, indicating minimal chance of allotment.

Given this, it is prudent to explore reputable private engineering colleges in Northern India that admit students in the OBC-NCL/EWS categories with JEE Main ranks in the 80 000–120 000 CRL range or equivalent category ranks. Below is a list of ten institutions where your son’s profile would be competitive for Mechanical Engineering through CSAB: Chandigarh University, Mohali with category closing ~40 000–60 000. Lovely Professional University, Jalandhar with category closing ~50 000–80 000. Amity University, Noida with category closing ~30 000–50 000. Sharda University, Greater Noida with category closing ~70 000–90 000. Galgotias University, Greater Noida with category closing ~60 000–85 000. Jaypee Institute of Information Technology, Noida with category closing ~45 000–70 000. Dr Akhilesh Das Gupta Institute of Technology & Management, New Delhi with category closing ~100 000–130 000. ABES Engineering College, Ghaziabad with category closing ~80 000–110 000. IILM College of Engineering & Technology, Greater Noida with category closing ~90 000–120 000. Thapar Institute of Engineering & Technology, Patiala with category closing ~25 000–45 000. Recommendation: Given the negligible chance at SVNIT Surat Mechanical through CSAB, focus on securing admission at one of the above private colleges. These institutions maintain solid infrastructure and placement records, and your son’s rank aligns well within their recent closing trends.

As backup options (excluding state-level exam seats), consider LPU, Amity Noida, Sharda, Jaypee Institute, and ADGITM Delhi, all of which have consistently admitted OBC-NCL/EWS candidates with category ranks up to ~120 000. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

Career
Sir my CRL-67471 and Obc-ncl-20585, can I get cse(AI and ML) in good IIIT's??
Ans: Parth, With an OBC-NCL JEE Main rank of 20585, securing a seat the AI & ML specialization at top IIITs and NITs through CSAB Special rounds is challenging but not impossible. Among IIITs, the lowest closing rank for B.Tech in Computer Science & Artificial Intelligence at IIIT Lucknow was 24684 in CSAB 2024, meaning you fall well within this range and have a strong likelihood of allotment there. IIIT Kottayam’s OBC-NCL closing rank for B.Tech Artificial Intelligence was 70657, making it comfortably accessible. Conversely, IIIT Allahabad’s OBC-NCL AI-related streams closed at around 15221, placing your rank outside its cutoff. At NITs, newer campuses with AI & ML are more attainable: NIT Sikkim’s OBC-NCL AI & ML closing rank was 48269, and its opening rank around 45786, both above your rank, indicating good chances. NIT Uttarakhand and NIT Nagpur AI & ML cutoffs are expected in the 30–40 k range, so your rank could be sufficient there. However, premier NITs like Surathkal, Trichy and Calicut typically close AI & ML around 3000–7000, making them out of reach for your rank.

Recommendation: Consider locking a seat at IIIT Lucknow or IIIT Kottayam for AI & ML through CSAB, or at NIT Sikkim/NIT Uttarakhand in AI & ML, and prepare for Private College options as prudent backups.

List of Private Engineering Colleges in Northern India Accepting OBC-NCL Rank ~20585 for AI & ML

Chandigarh University, Mohali (AI & ML specialization)

Lovely Professional University, Jalandhar (B.Tech AI & ML)

Amity University, Noida (B.Tech AI)

Sharda University, Greater Noida (B.Tech CSE with AI)

Galgotias University, Greater Noida (B.Tech AI & Data Science)

Jaypee Institute of Information Technology, Noida (B.Tech CSE-AI)

Indraprastha Institute of Information Technology, Delhi (B.Tech CSE-AI)

Thapar Institute of Engineering & Technology, Patiala (B.Tech CSE-AI)

SRM University, Delhi-NCR (B.Tech AI & ML)

ABES Engineering College, Ghaziabad (B.Tech CSE with AI)

Backup private options (excluding state-level exams) include LPU, Amity Noida, Sharda and Jaypee, all of which admit OBC-NCL ranks above 20000 through JEE Main. All the BEST for a Prosperous Future!

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