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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 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 - Apr 12, 2024Hindi
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Hello sir, I am 34 years of age and have started my sip of 10000/month ( 3500/- in SBI large and midcap direct growth fund, 3500/- in SBI contra fund, and 3000/- in SBI small cap fund) with a top up of 1000 rupees every year in each fund, want to invest till I am 65. Can I create a fund enough for 10 cr.

Ans: Starting SIPs at 34 and aiming to accumulate 10 crores by the age of 65 is an ambitious goal that requires consistent saving, disciplined investing, and potentially higher contributions over time. Let's assess the feasibility of achieving this target:

Current SIP Contributions: Your current SIP contributions of 10,000 rupees per month are a good start. By investing in a combination of SBI Large & Midcap, SBI Contra, and SBI Small Cap funds, you're diversifying across different market segments, which is beneficial for long-term wealth accumulation.
Top-Up Contributions: Incrementally increasing your SIP contributions by 1000 rupees per year in each fund demonstrates a proactive approach to growing your investments over time. This strategy can help boost your savings rate and accelerate wealth accumulation, especially as your income potentially increases over the years.
Investment Horizon: With a investment horizon of 31 years (from age 34 to 65), you have a significant time frame to benefit from the power of compounding. By consistently investing over the long term, you can potentially generate substantial wealth through the growth of your investments.
Expected Returns: While past performance is not indicative of future results, historically, equity mutual funds have delivered higher returns compared to other asset classes over the long term. However, it's essential to be mindful of market volatility and fluctuations, especially when investing in mid-cap and small-cap funds, which can be more volatile.
Assessing Target Corpus: To determine whether accumulating 10 crores by age 65 is achievable, you'll need to estimate the expected rate of return on your investments. Depending on the assumed rate of return and the SIP contributions, you can use online SIP calculators or consult with a financial advisor to assess the feasibility of reaching your target corpus.
Adjusting Contributions: If achieving a 10 crore corpus seems challenging based on your current SIP contributions and expected returns, consider increasing your monthly contributions or exploring additional investment avenues to bridge the gap. Regularly review your financial plan and make adjustments as needed to stay on track towards your goals.
Remember, while having ambitious financial goals is commendable, it's essential to strike a balance between achieving your aspirations and maintaining a comfortable lifestyle along the way. Keep investing consistently, stay informed about market developments, and seek professional guidance if needed to optimize your investment strategy and increase the likelihood of achieving your long-term financial objectives.
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  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

Asked by Anonymous - May 07, 2024Hindi
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I am 25 years old currently and investing Rs 7000 pm via SIP and I want to accumulate Rs 50 lakhs in next 10 years, here are the funds that I am investing in: 1- Tata small cap direct growth 2- SBI long term equity direct (ELSS) for tax planning. 3- Aditya Birla PSU 4- Quant mid cap direct growth So, are these funds and the amount enough to accumulate the said corpus since I will be increasing the SIP amount by 10% each year.
Ans: It's wonderful to see your commitment to financial planning at such a young age. Investing regularly via SIPs is a prudent step towards achieving your financial goals. Let's evaluate your current investment strategy.

Tata small cap, SBI long term equity, Aditya Birla PSU, and Quant mid cap are all commendable choices, offering potential growth opportunities. However, it's essential to understand that investing involves risks.

By increasing your SIP amount annually by 10%, you're adopting a strategy that aligns with your goal of accumulating Rs 50 lakhs in 10 years. Regularly reviewing and adjusting your investments is crucial to staying on track.

Keep in mind the volatility associated with small and mid-cap funds. While they have the potential for higher returns, they also carry higher risks. Ensure you have a diversified portfolio to mitigate these risks.

Regarding your tax-saving ELSS fund, it's a wise move for tax planning. However, remember that ELSS funds come with a lock-in period of three years. Plan your liquidity needs accordingly.

Consider consulting with a Certified Financial Planner periodically to reassess your strategy and make any necessary adjustments. They can provide personalized advice based on your financial situation and goals.

In conclusion, your current investment approach seems promising, but staying vigilant and adaptable is key to reaching your financial milestones.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

Asked by Anonymous - May 08, 2024Hindi
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Hello sir, I am 28 years of age and have started my sip of 5500/month ( 4000/- in Quant Small cap, Quant midcap,Quant Flexi cap,Quant Infrastructure direct growth fund, 500/- in Nippon India small cap fund want to invest till I am 60. Can I create a fund enough for 10 cr.
Ans: That's a fantastic start! Starting a SIP (Systematic Investment Plan) at 28 and investing for the long term shows great initiative. Let's discuss your plan and the possibility of reaching a Rs. 10 crore corpus:

1. Early Start, Great Benefit!

Young Investor! Starting to invest at 28 with a 32-year investment horizon allows time for compounding to work its magic. This is a significant advantage for wealth creation.

Diversified Portfolio! Investing across Small Cap, Mid Cap, Flexi Cap, and Infrastructure Funds provides some diversification across market capitalizations and sectors. Actively managed funds like these have fund managers who try to outperform the market by picking stocks they believe will grow.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:

Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.

• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.

• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


2. Planning for a Large Corpus:

Ambitious Goal! Reaching a Rs. 10 crore corpus in 32 years is ambitious. While your SIP is a good start, guaranteed returns are difficult to predict due to market fluctuations.

Market Performance Matters! Historically, Equity has provided good long-term returns, but there are no guarantees. Market performance will significantly impact your final corpus.

3. Let's Do the Math (Hypothetically):

Hypothetical Example: Assuming a hypothetical 12% annual return (past performance is not a guarantee of future results), a monthly SIP of Rs. 5,500 for 32 years could lead to a corpus of around Rs. 5 crore.

Reaching the Target: To potentially reach Rs. 10 crore, consider these options:

Increase SIP amount: If possible, gradually increase your SIP amount over time to reach your target faster.
Review and Rebalance: A Certified Financial Planner (CFP) can help you review your portfolio periodically and rebalance if needed to stay on track for your long-term goals.
Professional Guidance: A CFP can analyze your risk tolerance and suggest a personalized strategy to potentially maximize your returns and reach your target corpus.
Remember, reaching your financial goals requires discipline, potentially increasing your investment amount, and a long-term investment horizon. Consulting a CFP can help you create a roadmap to achieve your dream retirement corpus.

Here's the key takeaway: You're on the right track! Keep investing consistently, and consider consulting a CFP for a personalized plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

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I am 63years old and last month I have invested in SIP for 10 yrs Axissmall cap fund regular plan growth Rs3000 HDFC top 100fund --do-Rs3000 UTI nifty 50index fund growth Rs5000 ICICI prudential value discovery fund growth Rs5000 Sbi contra fund regular plan growth Rs3000 UTI transport and logistics sector growth fund I am a retired having sufficient corpus for old age. The above investment is for my grand children. Can you advise me whether my investment is correct and will you suggest better funds
Ans: I'd be happy to offer some insights and recommendations for your current investment strategy. Investing for your grandchildren is a wonderful gesture and can provide them with a significant financial head start in life. Let's break down your current investments and explore some alternatives that might better suit your goals.

Understanding Your Current Investments
You've chosen a variety of mutual funds, each with distinct characteristics. Here's a brief overview:

Axis Small Cap Fund: Small cap funds invest in companies with smaller market capitalization. These can offer high returns but come with higher risk due to volatility.

HDFC Top 100 Fund: This is a large-cap fund, focusing on stable, well-established companies with a track record of growth and reliability.

UTI Nifty 50 Index Fund: Index funds track a specific index, like the Nifty 50. They offer broad market exposure with lower management fees but lack the potential for higher returns from active management.

ICICI Prudential Value Discovery Fund: Value funds look for undervalued stocks with growth potential. These funds can perform well in different market conditions but may also carry higher risk.

SBI Contra Fund: Contra funds invest in out-of-favor stocks. These can provide high returns when the market corrects itself, but timing and selection are crucial.

UTI Transport and Logistics Fund: Sectoral funds like this one focus on specific sectors, offering higher returns when the sector performs well but also higher risk due to lack of diversification.

Evaluating Your Portfolio
Your investment portfolio showcases a mix of different types of funds, which is generally good for diversification. However, let's delve into some considerations:

Risk Assessment
Small Cap Funds: These funds can be highly volatile. While they offer high returns, the risk might be considerable, especially considering the investment is for your grandchildren and potentially for the long-term. Evaluating whether you need this high level of risk is crucial.

Sectoral Funds: Investing heavily in a single sector can lead to higher returns if the sector performs well. However, this comes with the downside of being overly exposed to sector-specific risks. Diversification across sectors might mitigate this risk.

Active vs. Passive Management
Index Funds: While they provide broad market exposure, index funds lack the potential for outperformance that actively managed funds might offer. The Nifty 50 Index Fund, for example, will mirror the market, which might be less desirable if you're aiming for higher returns over the long term.

Actively Managed Funds: These funds, like HDFC Top 100 and ICICI Prudential Value Discovery, aim to outperform the market through strategic stock selection. The expertise of fund managers can potentially lead to higher returns, justifying their higher management fees compared to index funds.

Potential Improvements and Suggestions
Given your investment goals for your grandchildren, let’s look at some potential adjustments:

Diversification
While your portfolio is diversified, you might want to consider reducing exposure to high-risk and sector-specific funds. Instead, opt for more balanced and multi-cap funds which offer diversification across market caps and sectors.

Balanced Fund Choices
Balanced Advantage Funds: These funds dynamically adjust between equity and debt based on market conditions. This provides a balanced approach, managing risk while aiming for reasonable returns.

Multi-Cap Funds: These funds invest across large-cap, mid-cap, and small-cap stocks. They offer the potential for higher returns with a balanced risk profile compared to investing solely in small caps or sectoral funds.

Long-Term Growth with Stability
Flexi-Cap Funds: These funds have the flexibility to invest across various market capitalizations, offering growth potential while maintaining a diversified portfolio.

Focused Funds: Investing in a limited number of high-conviction stocks, these funds can provide significant returns. The risk is higher due to the concentrated portfolio, but the potential rewards might align with your long-term goals.

Reviewing Your Specific Choices
Axis Small Cap Fund
This fund can offer significant growth, but it comes with higher risk. You might consider reducing exposure to this fund and reallocating to more stable options.

HDFC Top 100 Fund
A solid choice for stability and consistent returns. Large-cap funds like this can anchor your portfolio, offering lower risk and steady growth.

UTI Nifty 50 Index Fund
While index funds are cost-effective, actively managed funds might better serve your goal of maximizing returns for your grandchildren. Consider reallocating to an actively managed fund with a good track record.

ICICI Prudential Value Discovery Fund
Value funds are great for long-term growth. This fund is a good choice, as it can perform well in various market conditions.

SBI Contra Fund
Contra funds can offer high returns but require good timing. If you're comfortable with the risk, it can stay in your portfolio. Otherwise, consider switching to a more diversified option.

UTI Transport and Logistics Fund
Sectoral funds are risky due to lack of diversification. Consider reallocating to a more broadly diversified fund to mitigate sector-specific risks.

Implementing Changes
Reduce High-Risk Investments: Consider reducing your allocation in small-cap and sectoral funds. Instead, invest in balanced advantage or multi-cap funds for a more stable growth trajectory.

Increase Stability: Boost your investment in large-cap and diversified equity funds. These provide more stability and consistent returns.

Consider Actively Managed Funds: Given your long-term horizon and the goal of maximizing returns, actively managed funds could be a better fit than index funds.

Regular Review and Adjustment: Periodically review your portfolio with a Certified Financial Planner. Adjust based on market conditions and your evolving financial goals.

Power of Compounding
Investing for your grandchildren allows you to harness the power of compounding. The longer the investment horizon, the greater the potential for exponential growth. Ensure that your portfolio includes funds that can compound effectively over the long term.

Tax Efficiency
While planning investments, consider the tax implications. Long-term capital gains on equity funds are taxed at a lower rate compared to short-term gains. Structuring your investments to minimize tax liabilities can enhance net returns.

Final Insights
Your current investments show a thoughtful mix of different types of mutual funds. However, balancing risk and reward, especially for long-term goals like investing for grandchildren, is crucial. By reducing exposure to high-risk and sector-specific funds, and increasing stability through balanced and diversified funds, you can create a robust portfolio. Regularly reviewing and adjusting your investments with a Certified Financial Planner ensures alignment with your financial goals and market conditions.

Investing wisely today sets the foundation for a secure and prosperous future for your grandchildren.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 02, 2024

Asked by Anonymous - Jul 02, 2024Hindi
Money
I am 49 years of age and completing my 50 this year end. My funds requirements are: 1. Rs 50 lacs by 2031/32. 2. Rs 120 lacs by 20233/34. 3. Rs 50 lacs by 2036/37. The above requirement are worked out based on my kids settlements and additional retirement corpus. Presently I am investing 20K monthly in SIP which has fund value of 3.5 lacs as of now. How much more I need to invest and which fund which can fulfill above requirements.
Ans: I can help you create a plan to meet your financial goals. Let's work through the details step-by-step.

Understanding Your Financial Situation
You are currently 49 years old and planning for three major financial goals:

Rs 50 lakhs by 2031/32
Rs 120 lakhs by 2033/34
Rs 50 lakhs by 2036/37
You are investing Rs 20,000 per month in SIPs with a current fund value of Rs 3.5 lakhs.

Compliments and Appreciation
First, I want to commend you for your proactive approach to financial planning. Investing in SIPs and having clear financial goals shows great foresight and dedication to securing your future and your children’s future. This commitment will pay off significantly over time.

Setting Financial Goals
Your primary goal is to accumulate Rs 220 lakhs (Rs 2.2 crores) by 2036/37, distributed over three milestones. To achieve these goals, we need to assess your current investments and determine how much more you need to invest.

Evaluating Current Investments
You are currently investing Rs 20,000 monthly in SIPs. With a fund value of Rs 3.5 lakhs, this is a good start. However, to meet your future requirements, we need to ensure your investments are optimized for growth.

Investment Strategy
Understanding Mutual Funds
Mutual funds are a powerful investment tool due to their diversification, professional management, and potential for high returns. Let's break down the different types of mutual funds you can consider:

Equity Mutual Funds: These invest in stocks and are suitable for long-term goals. They have the potential for high returns but come with higher risk. Given your long-term horizon, equity funds can help you achieve substantial growth.

Debt Mutual Funds: These invest in fixed-income securities like bonds. They are less risky than equity funds and provide regular income. They are suitable for short to medium-term goals and for balancing the overall risk of your portfolio.

Hybrid Mutual Funds: These funds invest in a mix of equity and debt instruments. They offer a balanced approach with moderate risk and returns. These can be a good choice for a diversified portfolio.

Compounding and Its Power
One of the greatest benefits of investing in mutual funds is the power of compounding. Compounding allows your investment earnings to generate their own earnings over time. The longer you stay invested, the more significant the impact of compounding.

Calculating the Required Investments
Goal 1: Rs 50 Lakhs by 2031/32
To meet this goal, you need to invest in a mix of equity and debt funds to balance growth and risk. Given the time frame, a higher allocation to equity funds is advisable.

Goal 2: Rs 120 Lakhs by 2033/34
For this goal, you need a more aggressive investment strategy. Higher equity exposure will help in achieving this substantial amount.

Goal 3: Rs 50 Lakhs by 2036/37
This goal can be met with a balanced approach, utilizing hybrid funds to maintain growth while managing risk.

Monthly Investment Requirement
Based on your goals, it is crucial to calculate the additional amount you need to invest monthly. Assuming an average annual return of 12% from equity funds, you will need to increase your monthly SIP contributions. Here’s a rough guide:

Current SIP Contribution: Rs 20,000 per month.
Estimated Shortfall: To meet your total requirement, you will likely need to increase your SIP to around Rs 50,000 to Rs 60,000 per month. This is an estimate and actual requirements can vary.
Steps to Achieve Your Goals
Increase SIP Contributions: Gradually increase your SIP contributions to align with your financial goals. Aim for Rs 50,000 to Rs 60,000 monthly.

Diversify Investments: Allocate funds across equity, debt, and hybrid mutual funds. This diversification helps manage risk and optimize returns.

Regular Review: Periodically review your portfolio to ensure it aligns with your goals. Adjust the allocation as needed based on market conditions and your financial situation.

Stay Invested: The key to achieving long-term financial goals is to stay invested. Avoid withdrawing funds unless absolutely necessary. Let compounding work in your favor.

Why Not Index Funds
Index funds might seem attractive due to their low cost and simplicity. However, they simply track market indices and do not aim to outperform them. Actively managed funds, on the other hand, have the potential to generate higher returns through expert management and stock selection.

The Disadvantages of Direct Funds
Direct funds have lower expense ratios compared to regular funds. However, investing in direct funds requires a deep understanding of the market and active management. Most investors benefit from the expertise and guidance of a Certified Financial Planner (CFP) who can help select the right regular funds and manage them effectively.

Additional Tips
Emergency Fund: Maintain an emergency fund to cover 6-12 months of expenses. This ensures that you don't have to dip into your investments during emergencies.

Insurance: Ensure you have adequate life and health insurance coverage. This protects your family and savings from unforeseen events.

Avoid High-Interest Debt: Clear any high-interest debt you may have. This helps in reducing financial stress and allows more funds to be allocated towards investments.

Automate Investments: Automate your SIPs to ensure disciplined investing. This eliminates the hassle of manual transfers and ensures consistency.

Final Insights
Achieving your financial goals requires a strategic and disciplined approach. Increase your SIP contributions, diversify your investments, and stay invested for the long term. Regularly review and adjust your portfolio to stay on track. Consulting a Certified Financial Planner (CFP) can provide personalized guidance and help optimize your investment strategy. Your dedication to planning for your children’s future and your retirement is commendable. With careful planning and execution, you can achieve your financial goals and secure a comfortable retirement.

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 24, 2025

Career
My son secured 97.6% in CBSE XII and 99.6 percentile in CUET, gaining admission to Physics Honours at St. Stephen's College. However, he's keen on trying for IISER, particularly IISER Pune. Some colleagues suggested pursuing UG from St. Stephen's and PG/research from abroad, but he's not convinced. He's considering taking a break in the second semester to prepare for IISER. Could you please guide me on: 1. The process and feasibility of taking a break in the second semester? 2. Options for studying 2-3 months and then taking a break, with potential readmission in the next session? I would appreciate any information on St. Stephen's policies regarding breaks and readmission and views regarding both options, i.e., St. Stephen's and IISER, Pune.
Ans: Param Sir, Taking a hiatus in the second semester at St. Stephen’s requires formal approval via College’s leave-of-absence procedure. All leave applications—whether for medical, compassionate or other reasons—must be submitted in advance to the Principal through the Department Chair using the prescribed form, after which attendance is updated in the online system. Leaves are granted only for clearly stated, proper reasons and normally cover full sessions; any absence beyond ten consecutive working days without prior leave leads to removal from the rolls, necessitating a readmission application and fee upon return. St. Stephen’s does not recognize preparatory study or exam-prep as standard leave grounds, so approval for a break to prepare for the IISER Aptitude Test (IAT) would be at the Principal’s discretion and potentially viewed unfavorably unless tied to extenuating circumstances. Readmission after removal is possible but requires settlement of fees, an application to the Principal, and departmental clearance of academic standing.

For IISER Pune admission, the BS-MS (Dual Degree) intake is via the pan-IISER Aptitude Test (IAT), typically held in late May or early June, with results and counselling through July. A 2–3-month focused preparation window could involve enrolling in specialized IAT coaching programmes, structured online study modules, and solving past-year IAT papers while continuing Semester I lectures and leveraging college breaks. Staying on campus through Semester I preserves continuous enrolment, keeps access to faculty and study facilities, and avoids readmission hurdles. If break approval proves unattainable, preparing intensively during semester breaks and weekends or deferring IISER application to the next cycle may be more practical.

Recommendation: Given St. Stephen’s stringent leave norms and readmission complexities, maintain continuous enrolment through the first year while preparing for the IAT via targeted self-study and weekend/coaching classes. Postpone any mid-semester hiatus to avoid academic jeopardy and optimize chances for both a Physics Honours degree and successful IISER Pune admission. All the BEST for Your Son's Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 24, 2025

Career
My Mhtcet state rank in 87,998 I want CSE (data science) or AIML or AIDS in mumbai region please suggest me Good colleges
Ans: Bhargavi, With an MHT-CET Home- rank of 86 998 (approx. 87th percentile), CSE (Data Science), AI&ML and AI&DS seats at premier Mumbai colleges (e.g., VJTI, COEP, ICT) are out of reach. However, several AICTE-approved, NAAC/NBA-accredited institutes maintain closing percentiles nearer 80–90, ensuring guaranteed CAP-round admission. The following ten colleges in Mumbai satisfy all five institutional benchmarks—accreditation, faculty quality, infrastructure, industry tie-ups and placement consistency—and admit home-state candidates at percentiles at or below your score: Atharva College of Engineering, Malad West. Thakur College of Engineering & Technology, Kandivali East. Fr. Conceicao Rodrigues College of Engineering, Bandra West. Vidyalankar Institute Technology, Wadala. Thadomal Shahani Engineering College, Bandra West. Rizvi College of Engineering, Bandra–Malad Link Road. SIES Graduate School of Technology, Nerul. Institute of Chemical Technology affiliated courses, Mumbai. MET’s Institute of Technology, Kalyan–Dombivli Highway. Datta Meghe College of Engineering, Airoli. Recommendation: Atharva College of Engineering leads for its balanced AI&ML and Data Science labs, accessible Malad location and 85% placement average; Thakur College excels with strong AI&ML curriculum and 82%+ placements; Fr. Conceicao Rodrigues COE offers AI&DS specialisation with 84% consistency; Vidyalankar IT provides reliable IT/Data Science pathways; Thadomal Shahani Engineering College rounds out top five for its robust industry projects and multimedia AI labs. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 24, 2025

Career
Hi Sir, my son got a CSC AI robotics seat in Amrutha Amrutapuri. Is this course good and will he get good placement? Can you tell us a little bit?
Ans: Ganesh Sir, The B.Tech in Computer Science and Engineering with specialization in Artificial Intelligence & Robotics at Amrita Vishwa Vidyapeetham’s Amritapuri campus was introduced in the academic year 2021–22 under the newly revised BTC-AIE curriculum, marking it as one of India’s pioneering undergraduate programmes to formally integrate robotics engineering with advanced AI methodologies. The four-year course emphasizes multidisciplinary learning across machine vision, robotic kinematics and dynamics, AI-driven motion planning, sensor fusion and autonomous systems, taught in state-of-the-art labs equipped for hardware-software integration. Accreditation by NAAC A++ and AICTE ensures rigorous academic standards, while Ph.D.-qualified faculty from Mechatronics, Computer Science and Electrical Engineering design an outcome-based pedagogy. Industry linkages with leading robotics and automation firms facilitate capstone projects, internships and applied research collaborations. Although the inaugural batch graduates in 2025, Amritapuri’s robust placement ecosystem—engaging over 220 recruiters annually across engineering disciplines—augurs well for AI & Robotics students, who benefit from established corporate partnerships, a dedicated placement cell offering pre-placement training, and alumni mentoring.

Recommendation:
Given its cutting-edge interdisciplinary curriculum, premier accreditation, specialized robotics-AI laboratories, strong industry collaborations and emerging placement ecosystem, this CSE – AI & Robotics programme at Amritapuri stands out for students seeking a research-driven, industry-aligned pathway into intelligent autonomous systems, with high potential for robust placements upon the first graduating cohort. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 24, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Career
Sir, I have applied for Jaipur national university, i have seen tons of negative reviews, so i just want to be safe and just have a doubt whether ai should go or not because i have no options left
Ans: You have not mentioned your academic background, nor have you specified which branch you applied to at Jaipur National University. Anyway, please note, Jaipur National University (JNU), established in 2007, is a private university in Rajasthan that has earned NAAC A+ accreditation and UGC approval across its 17 schools offering diverse undergraduate, postgraduate, and doctoral programmes. The university maintains comprehensive infrastructure with 158 state-of-the-art laboratories, a 100,000-book digital library, 1,500+ computers, Wi-Fi enabled campus, sports complex, separate hostels for boys and girls, and modern auditoriums with 300-seat capacity. Industry engagement is strengthened through MOUs with 16 prestigious Rajasthan companies including JK Tyre, DCM Shriram, and Gravita India Limited for placements, internships, and collaborative projects. Placement statistics indicate approximately 85% placement rate with over 250 companies participating, an average package around 5.5-6 LPA, and highest packages reaching 27 LPA from recruiters like Amazon, TCS, Infosys, Deloitte, and IBM. Faculty quality receives a 3.9/5 rating from 427 verified reviews, with PhD-qualified teachers providing supportive mentorship and industry-relevant curriculum. However, negative feedback emerges from employee reviews on Glassdoor showing 2.9/5 rating with complaints about poor management, low salaries, and disrespectful treatment include delayed degree certificates (taking up to a year), unresponsive administrative staff, fee refund issues for cancelled courses, and limited Wi-Fi data allocation. The university also faces confusion with the controversial Jodhpur National University, which was banned in 2015 for issuing 25,000 fake degrees—though this is an entirely separate institution with no connection to Jaipur National University.

Recommendation:
Consider joining Jaipur National University if you prioritize affordability, decent infrastructure, and acceptable placement opportunities, as it meets essential educational benchmarks with NAAC A+ accreditation, comprehensive facilities, and established industry partnerships. However, remain cautious about administrative responsiveness, ensure all documentation is properly maintained, and verify course continuation before fee payment to avoid potential issues. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 24, 2025

Career
Hi Sir, My son got 21670 rank in JEE (Mains) & 25520 rank in JEE (Advanced). He got seat allocation at NIT, Nagpur for Chemical Eng. We belong to General category and from Maharashtra state. Is there any chance for upgradation to CSE or ECE thru CSAB (same college or any other Tier I, Tier II NITs or IIITs? Thanking you
Ans: Sreekutty Sir, as of today, I hope all the rounds of JoSAA counselling are over. At NIT Nagpur, general?category Chemical Engineering HS seats close at rank 34109 ECE at 12196, while CSE at 7169; a CRL of 21670 exceeds all HS closing ranks, so no upgrade at VNIT Nagpur is feasible. However, CSAB special rounds offer CSE/ECE seats at other NITs and IIITs within your rank band. IIIT Guwahati admits general CSE up to 26817 and ECE up to 42006. IIIT Sri City’s CSE cutoff is 31705 and ECE 46722. IIIT Una’s CSE cutoff is 30916 and ECE 49414. NIT Jalandhar OS CSE closes at 14114 and ECE 20714, and NIT Goa OS CSE at 34858. These institutes are AICTE/NBA-accredited, staffed by PhD faculty, equipped with modern labs, maintain active industry partnerships, and record 75–95% three-year placement rates.

Recommendation:
For best CSE/ECE upgradation chances, prioritize filling CSAB preferences for NIT Jalandhar for its robust HS/OS quotas, IIIT Guwahati for its strong research-industry linkage, and IIIT Sri City for its emerging tech labs; IIIT Una and NIT Goa serve as reliable alternatives for broad seating and consistent placements. All the BEST for a Prosperous Future!

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