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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jun 15, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Jaspreet on Jun 07, 2023Hindi

Money

Hello Sir, i am 45, working as govt employee. I am currently investing in following funds for the past 4 years- 1. Canara Rob Emerg equities fund-reg(g)-2000. 2. ICICI Pru blueship fund(g)-2000 3. Nippon India focused equity fund (g)-2000 4. SBI Small cap fund-reg(g)-2000 5. Tata Hybrid equity fund reg(g)-1500. Sir, first advice,Do I have to change these funds or these are ok?. Please suggest me your inputs regarding these funds. I also want to add 5000 more per month. Please suggest me good funds.

Ans: You can continue with the SIPs in these funds except Nippon India Focused Equity Fund, which I suggest you to get out of. There is no requirement to introduce any other new fund in your personally managed portfolio as you are doing well with your ongoing SIPs.

You can start additional SIPs in ICICI Prudential Bluechip Fund and Canara Robeco Emerging Equities Fund with the additional amount.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

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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Mutual Funds Expert - Answered on Oct 10, 2022

Question by Nishant - Oct 10, 2022Hindi

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I am 32 years old and I am investing monthly 50000 in below funds. For long term. Please let me know if the below funds are good to invest. Canara robeco bluechip equity fund - 20000 Axis Growth opportunities fund - 15000 Parag parekh flexi cap fund - 15000 Please suggest if I need to add or modify my investment.

Ans: Hi Nishant. Based on an analysis of your current investments, your investments appear to be in line with the market. As far as the portfolio is concerned, no modifications are needed.

Nikunj Saraf | Answer |Ask -Follow

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Question by saurabh - Apr 29, 2023Hindi

Money

I am a 37 year old govt employ investing in following funds monthly 1) sbi equity hybrid (4000) 2) sbi focussed equity (3000) 3) sbi large and mid cap (4000) 4)mirrae asset large cap(2000) 5) parag parek flexi cap (5000) Kindly review my portfolio with the aim of capital growth over long term.also I want to invest about 7000 more.kindly suggest good funds for same

Ans: Hellpo Saurabh. Your current portfolio report is well chosen. I would suggest to reconsider sbi focused fund. You can increase the sip in sbi large and mid cap and also introduce small cap category in your portfolio for long run.

Ramalingam Kalirajan |9224 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Question by Jaspreet - Apr 28, 2024Hindi

Money

Hello Sir, i am 45, working as govt employee. I am currently investing in following funds for the past 5 years- 1. Canara Rob Emerg equities fund-reg(g)-2000. 2. ICICI Pru blueschip fund(g)-2000 3. Nippon India focused equity fund (g)-2000 4. SBI Small cap fund-reg(g)-2000 5. Tata Hybrid equity fund reg(g)-2000. Sir, first advice,Do I have to change these funds or these are ok?. Please suggest me your inputs regarding these funds. I also want to add 4000 more per month. Please suggest me good funds.

Ans: Your consistent investment over the past 5 years reflects commendable financial discipline. Let's evaluate your current portfolio and suggest potential adjustments to align with your goals.

Review of Current Investments
1. Canara Rob Emerg Equities Fund:

Focus: Emerging equities.
Assessment: Offers exposure to high-growth potential companies. May be volatile but suitable for long-term growth.
2. ICICI Pru Bluechip Fund:

Focus: Bluechip companies.
Assessment: Provides stability and consistent returns. Suitable for investors seeking steady growth with lower risk.
3. Nippon India Focused Equity Fund:

Focus: Focused approach to equity investment.
Assessment: Concentrated portfolio aiming for higher returns. Requires higher risk tolerance.
4. SBI Small Cap Fund:

Focus: Small cap companies.
Assessment: High growth potential but comes with higher risk due to volatility.
5. Tata Hybrid Equity Fund:

Focus: Mix of equity and debt.
Assessment: Provides diversification and stability. Suitable for conservative investors.
Potential Adjustments
1. Reviewing Existing Funds:

Performance Check: Assess the performance of your current funds against benchmarks and peers.
Risk Assessment: Consider your risk tolerance and investment horizon when evaluating the suitability of each fund.
2. Adding New Funds:

Strategic Allocation: Consider adding funds that complement your existing portfolio and fill any gaps.
Diversification: Aim for a well-diversified portfolio across asset classes and investment styles.
Suggestions for Additional Investments
1. Large Cap Fund:

Stability: Add a large cap fund for stability and consistent returns.
Example: Look for funds with a proven track record in investing in bluechip companies.
2. Balanced Advantage Fund:

Dynamic Allocation: Consider a balanced advantage fund for dynamic asset allocation.
Benefits: These funds adjust their equity-debt mix based on market conditions, providing stability with growth potential.
3. Multi-Cap Fund:

Diversification: Invest in a multi-cap fund for exposure across market capitalizations.
Flexibility: These funds have the flexibility to invest across large, mid, and small cap stocks based on market opportunities.
Importance of Professional Guidance
Engage a Certified Financial Planner (CFP):

Personalized Advice: A CFP can provide personalized advice tailored to your financial goals and risk tolerance.
Optimization: Helps optimize your portfolio and ensure it aligns with your long-term objectives.
Regular Monitoring and Review
Periodic Portfolio Review:

Frequency: Review your investment portfolio periodically, at least annually.
Adjustments: Make adjustments as needed to ensure your investments stay aligned with your goals and market conditions.
Final Thoughts
Your current portfolio includes a mix of funds catering to different investment objectives. Consider reviewing the performance of your existing funds and adding new funds to further diversify and optimize your portfolio. Seeking professional guidance from a Certified Financial Planner can provide valuable insights and ensure your investments are on track to meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |9224 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Nov 10, 2024

Question by Mike - Nov 10, 2024Hindi

Money

Thanks a lot Sir for your valuable suggestions, I have selected following funds for investment, looking for your kind advise. Parag Parikh Flexi Cap Fund- 35%, Mirae Asset Midcap Fund 20%, Nippon India Small Cap Fund 15%, ICICI Prudential Balanced Advantage Fund 25% and International Fund Motilal Oswal Nasdaq 100 FOF 5%. Regards

Ans: Your fund selection shows a well-diversified approach across flexi-cap, mid-cap, small-cap, and balanced categories. However, consider reducing exposure to international funds due to currency and market-specific risks. Consulting a Certified Financial Planner like us can help tailor these allocations to your specific goals, risk profile, and investment horizon for optimal returns and balance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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International Education Counsellor - Answered on Jun 25, 2025

Question by British - Jun 22, 2025Hindi

Career

Sir mbbs philipines in 2025 ...plz tell me about is better than Cold countries like kyrgyz kazak rusia

Ans: Why Philippines is a Better Option (for Indian Students):
1. English-speaking country –
o The entire medical course is in English.
o No need to learn any local language like Russian or Kazakh.
2. Similar disease pattern to India –
o Students get to study and practice on patients with diseases common in India (like dengue, diabetes, TB etc).
o This helps later during FMGE/Next exams in India.
3. Good quality teaching –
o Most colleges follow the US system, focus on clinical training, and use modern equipment.
4. No freezing climate –
o Weather is like South India – warm and humid, so your child will feel more comfortable.
o Easier to adjust than in countries with minus temperatures.
5. Medium FMGE result –
o Philippines students usually have better FMGE (MCI screening test) pass rates than Kyrgyzstan or Kazakhstan.

Points to Keep in Mind:
• Philippines has a pre-med + MD structure (usually 1.5 yrs + 4 yrs = total 5.5 yrs).
• Your child may need to write NMAT exam (simple, not very hard) after pre-med.
• Some colleges are better than others – you need to choose the right university.
• Cost is moderate – around ?25–30 lakhs total including living.
Cold Countries (Russia, Kyrgyzstan, Kazakhstan):
• Cheaper than Philippines, but classes often in local language or mixed (English + local).
• You must learn Russian/Kyrgyz for clinical years.
• FMGE pass rates are low from these countries.
• Harsh winters – can be tough to adjust.
• Some colleges have large batch sizes and less hospital exposure.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Question by Gaurav - Jun 18, 2025Hindi

Career

Sir how do rate bits dubai . My child is preparing for jee this coming year. My plan is that if we dont get admission in some good college can we take bits dubai in our list as they offer seats on board results

Ans: About BITS Dubai:
• BITS Dubai is part of the BITS Pilani group — the degree is the same as what students get in BITS Pilani India.
• The campus is in Dubai, and the system follows the same pattern as BITS India — good academics, flexible curriculum, and focus on projects.
• They don’t ask for JEE — admission is based only on 12th board marks (usually above 75–80%).
• It’s a very good backup option if JEE results don’t go well.
• Classes, labs, and faculty are good. Students get international exposure.
• Many students go for higher studies abroad after graduating from there — like MS in USA or Canada.
• Safe and friendly campus — a lot of Indian students.
Things You Should Consider:
• Fees are high — around ?10–12 lakhs per year, including living costs.
• Placement support is there, but not as strong as BITS Pilani India, especially for jobs in India.
• For job placements, many students come back to India or go abroad for further studies.
• If you are looking for core company jobs in India, then off-campus efforts will be needed.

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International Education Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 17, 2025Hindi

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Sir actually I'm getting a seat in SRM ktr cse core , and I'm getting a seat bca in vit vellore.. can i take BCA and pursue MS in abroad or should take b tech cse core.. I'm average in studies not that great.. I like cybersecurity sides.. what to choose sir.. I want to earn also average of 7-12.. pls tell me sirr..

Ans: You have two choices:
1. B.Tech CSE Core at SRM Kattankulathur
2. BCA at VIT Vellore
B.Tech CSE at SRM KTR
• 4-year course with strong technical base
• Recognized everywhere — good for both jobs and MS abroad
• Has subjects like coding, networks, OS, and cybersecurity basics
• Easier to get internships and placement offers
• If you study well and do some extra projects, ?7–12 LPA is definitely possible in 4th year
BCA at VIT Vellore
• 3-year course, lighter than B.Tech
• You can still go abroad for MS, but you may need to do extra studies (like MCA or a diploma later)
• Jobs after BCA are less in number and lower in salary (?3–5 LPA avg)
• You’ll need to work much harder to reach cybersecurity roles
Recommended - Go for B.Tech CSE at SRM KTR
• It gives you more chances for good jobs, internships, and a strong base for cybersecurity
• Easier to explain your background when applying abroad for MS
• Companies prefer B.Tech for core tech roles
Even if you're average now, B.Tech gives you time and structure to grow. Start small, build skills step by step.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 06, 2025Hindi

Career

Is it easy to get a job abroad after studying btech fashion technology in vit chennai?

Ans: B.Tech Fashion Technology from VIT Chennai
• It’s a good course, and VIT has a decent name.
• The program teaches a mix of fashion design, technology, textiles, and production management.
• Good for students who like creativity along with technical and practical work.
It is not easy to get a job abroad directly after just completing B.Tech Fashion Tech from VIT or any college in India.
But it is also not impossible.
1. Most foreign countries hire only through work permits or after higher studies (like Master’s in fashion or textile design abroad).
2. Fashion jobs abroad are very competitive, and they prefer local graduates or those with international experience.
3. After B.Tech from India, you usually need to either do a Master's abroad or build a strong portfolio/internship record.

What Can Be Done for Better Chances Abroad?
• Do internships in top fashion companies in India.
• Build a strong portfolio (projects, designs, innovations).
• Learn fashion software (CAD, CLO3D, Adobe Illustrator).
• After B.Tech, apply for Master’s in Fashion or Textile Technology in countries like Italy, UK, USA, France.
• That will open real chances for jobs abroad.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Question by Selvin - Jun 23, 2025Hindi

Career

513 in2025 is possible for government quota

Ans: It depends on three main things:
1. Your state (because state quota cutoffs are different)
2. Your category (General, OBC, SC, ST, etc.)
3. Whether you are looking for State Quota (85%) or All India Quota (15%)
For General Category:
• In most states, 513 is borderline or just below cutoff for government MBBS.
• You may get a seat in lower-ranked government colleges in some states like:
o Rajasthan (rural), UP, Bihar, Chhattisgarh, Assam, West Bengal
• In highly competitive states like Delhi, Maharashtra, Tamil Nadu, Kerala, 513 is not enough for a government seat in general category.
For OBC/EWS category:
• You may have better chances in some states — 513 could get you a seat in mid- or lower-tier government colleges.
For SC/ST category:
• Yes, 513 is a good score, and you have a high chance of getting a government MBBS seat in many states.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 18, 2025Hindi

Career

Hi Sir, my daughters rank for MIT is 7371 and got seat in CS Banglore in phaseI. We are expecting ECE at Maniphal campus in further phases, I am not very sure if there is any chance of getting CS at Maniphal campus. My question is: 1. Should we accept CS in Banglore campus or is ECE Maniphal a better option since it is the main campus. Thank you

Ans: Congratulations to your daughter on getting a good rank — 7371 in MET is a decent position.
• CSE at Manipal Bangalore campus — this is already a good seat. CSE has strong scope everywhere.
• Bangalore campus is growing, and being in the IT hub helps with internships and job exposure.
• ECE at Manipal Main Campus — possible in the next rounds with your rank.
• But CSE at Manipal Main Campus may not be likely at 7371 — last year it closed much earlier (within 3,000–4,000).
Which Is Better?
If your daughter is more interested in coding, software, or IT jobs –
Then CSE at Bangalore campus is better, even though it’s not the main campus.
CSE will give her better placement options and higher salary packages than ECE in most cases.
If she is okay with core electronics, circuits, and is not very keen on coding –
Then ECE at Manipal Main Campus is still a strong option — especially since main campus has more companies, bigger brand, and older reputation.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 23, 2025Hindi

Career

Hi Dr Gupta, what are the latest OPT programme requirements and rules for F-1 students to work in American companies?

Ans: Hello, here’s a clear and simple guide to the latest OPT program requirements and rules for F 1 students

What is OPT?
OPT (Optional Practical Training) lets F 1 students work in the U.S. in their field of study. You can use it during your studies (pre completion) or after graduating (post completion)
Time Limits
• 12 months of OPT for each degree level (Bachelor’s, Master’s, PhD)
• Pre completion OPT (during studies) is part-time during semesters (

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Question by Bhanu - Jun 19, 2025Hindi

Career

My daughter has a 19505 rank in Manipal entrance exam. wants to join ECE VLSI program. Can she expect in main or Bengaluru campus in 2nd or 3rd rounds. She has a CSE seat offer in GITAM Hyderabad as a standby option. what would you recommend sir

Ans: • With 19505 rank, it may be difficult to get ECE (VLSI) in main campus in Round 1 or 2.
• But in Round 3 or Spot round, ECE or ECE-VLSI in Bengaluru campus is possible.
(Bengaluru campus has slightly lower cutoff than the main campus.)
• Manipal keeps moving a lot in later rounds, especially if some students drop seats.
So yes, ask her to wait till Round 3 or Spot Round — there is a good chance she can get ECE or ECE-VLSI at least in Bengaluru campus.
Her Backup: CSE at GITAM Hyderabad
• GITAM is an okay college. Hyderabad campus is newer and not very strong in placements yet.
• CSE is a good branch, but GITAM’s tech exposure and placement record is average compared to Manipal.
What I Recommend:
1. Hold the CSE seat at GITAM Hyderabad only as a backup.
2. Wait for Manipal counselling rounds to progress till at least Round 3 or Spot Round.
3. If she gets ECE-VLSI in Manipal Bengaluru, go for it — much better brand, better placements, and stronger academic environment than GITAM.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 19, 2025Hindi

Career

Sir I am a little bit puzzled I passed my boards with 79,8%, my jee exam didn't go well and I am not getting any good private or government college from It. Earlier I was thinking of taking a drop but currently I am 18 and turn 19 this year, so next year when I will be at first year of college I will turn 20 year old so It will delay my graduation for sure. Second option is to take admission in any tier 3 college. I have following options with me (1) SRM sonepat,Haryana(Btech cse aiml) (2) Manav rachna University, Faridabad (Btech cse aiml/data science) (3) NIET, Greater noida (Btech cse computing and mathematics) Which college is best among 3? If I join in any tier 3 I will develop skills and target postgraduate level exam. So sir what should I do In this situation take a drop or join college?

Ans: Hello, I understand this is a confusing time for you, but don’t worry. Many students go through the same phase after 12th.

Taking a drop is an option. But here are the real things you must ask yourself:
• Are you fully confident that you can study with full focus and improve your JEE score next year?
• Are you okay with another year of pressure, studying at home, and no college life till 2026?
• Are you ready to handle the stress and competition?
If the answer is no or not sure, then don’t take a drop.
Because one year of drop will only be worth it if you get a top college like NIT, IIIT, or BITS.
Otherwise, you’ll just lose one year and land in a similar college again.
And don’t worry about age. Turning 20 in 1st year is completely fine. Many students start college at 20 or even later

About Your Current College Options
NIET Greater Noida
• Best out of the three in terms of placement, coding culture, and peer group.
• It is in Noida — good location for internships and off-campus opportunities.
• Has a better track record in CSE-related jobs.
SRM Sonepat
• Decent brand name because of “SRM,” but Sonepat campus is not as strong as the main Chennai one.
• Placements are limited.
• Choose only if you want the SRM tag and nothing else is available.
Manav Rachna
• Okay college, good infrastructure, but placements are not very strong, especially for CSE core jobs.
• Good for students who want to stay closer to home or need a relaxed environment.

Dr Karan Gupta |65 Answers |Ask -Follow

International Education Counsellor - Answered on Jun 25, 2025

Asked by Anonymous - Jun 19, 2025Hindi

Career

Sir, Which one is better in sequence - IT in JIIT Noida, IT in KIET, IT in JSS university Noida. Thanks

Ans: JIIT Noida (IT – Main Campus)
• Private, well-maintained campus, good discipline, better crowd.
• Strong focus on CSE/IT branches.
• Placements are more consistent for IT/CSE – companies like TCS, Infosys, Cognizant, some product companies too.
• Faculty and teaching quality is generally good.
• Best among the three if you can afford the fees.
JSS Noida (IT)
• Good reputation in the AKTU (UPTU) group of colleges.
• Campus is good, teaching is decent.
• Many Noida-based companies hire from here, so location is an advantage.
• Slightly crowded and academic pressure is high, but placements are fairly decent for IT/CSE.
• Second best option, good value for money.
KIET Ghaziabad (IT)
• Also part of AKTU, well-known in the Ghaziabad area.
• Campus and infrastructure are good.
• Placement is okay, but slightly behind JSS and JIIT when it comes to IT roles.
• Many service-based companies come, but fewer product or core tech companies.
• Decent choice, but below JIIT and JSS in IT.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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