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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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 - Jan 26, 2024Hindi
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Hello, my age is 34. I am currently investing in below MFs from this month Jan 2024 only and my target is to achieve1 Crore. How long will it take., pls advice. Quant Small cap - 5K Parag parikh Flexi cap - 5K Nippon India Growth - 5K Motilal Aswal Long and Mid cap - 10K Navi Nifty 50 ELSS - 5K

Ans: It's great to see you taking proactive steps towards your financial goals! Let's analyze your investment plan to estimate the time it might take to reach your target of 1 crore.

Assessing Investment Strategy: Your portfolio consists of a mix of small-cap, flexi-cap, growth, long & mid-cap, and ELSS funds, which offers diversification across different market segments. This diversified approach can help spread risk and potentially enhance returns.
Estimating Returns: The time it takes to reach your target depends on various factors, including the expected rate of return on your investments. While past performance is not indicative of future results, historically, equity mutual funds have delivered average annual returns ranging from 12% to 15% over the long term.
Calculating Time to Reach Goal: Using an average annual return of, say, 12%, we can estimate the time it might take to reach 1 crore. However, it's important to note that returns can vary, and market conditions may impact performance.
Considering Additional Contributions: Since you've just started investing, consider increasing your monthly contributions over time as your income grows or reallocating savings from other sources to accelerate your progress towards your goal.
Regular Monitoring and Adjustments: Keep track of your investments' performance and periodically review your portfolio to ensure it remains aligned with your financial goals. You may need to make adjustments to your investment strategy based on changing market conditions or personal circumstances.
Consulting a Financial Advisor: Consider consulting a Certified Financial Planner to develop a personalized investment plan tailored to your specific goals, risk tolerance, and investment horizon. They can provide valuable insights and guidance to help you stay on track towards achieving your financial objectives.
While it's challenging to predict the exact time it will take to reach your target, with disciplined investing and a well-structured portfolio, you're on the right path towards building wealth for the future. Keep focused on your goals, stay patient, and continue investing regularly to increase your chances of success.
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 Apr 05, 2024

Asked by Anonymous - Sep 27, 2023Hindi
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SIR, I am investing 12000/-pm from April 23 , in following MFs. 1.Nippon India small cap @2000/- 2.Axis small cap fund direct growth @1000/- 3.SBI Magnum Mid cap@2000/- 4.Nippon india growth direct fund @1000/- 5.HDFC index S&P BSE sensex direct @2000/- 6.SBI Bluechip direct plan growth @2000/- 7.ICICI prudential bluechip @2000/- Plan for investment is 5 Yrs for a required wealth of 25 Lacs, please advice whether I am on right track.
Ans: Your investment plan seems diversified with allocations across different types of mutual funds, including small-cap, mid-cap, index funds, and large-cap funds. Here are some key points to consider:

Diversification: You have spread your investments across various categories, which can help reduce risk and enhance potential returns over the long term.

Investment Horizon: Investing for a period of 5 years is a good approach, but ensure that your investment horizon aligns with your financial goals. Since equity investments can be volatile in the short term, it's essential to stay invested for the long term to ride out market fluctuations.

Risk Assessment: Small-cap and mid-cap funds tend to be riskier than large-cap and index funds due to their higher volatility. Make sure you are comfortable with the risk level associated with these investments based on your risk tolerance and investment objectives.

Review and Adjust: Regularly review your portfolio's performance and make adjustments if needed. Consider rebalancing your portfolio periodically to maintain your desired asset allocation and risk level.

Professional Advice: If you're uncertain about your investment strategy or need personalized guidance, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Overall, your investment plan appears to be on the right track, but it's crucial to monitor your investments regularly and stay informed about market developments. Adjust your strategy as needed to stay on course towards achieving your wealth accumulation goal of 25 lakhs in 5 years.

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

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I'm 44 now. started sip in 2023 for 25000/p.m. 5000 in each mf named quant small cap fund, tata digital fund, HDFC defence fund, sunlife psu fund and SBI energy fund. I'd like to increase 10% annually. How long it will take to make 2 crore?
Ans: It's great to see your commitment to systematic investing. Let's analyze your current SIP investments and project the time required to achieve your target of 2 crores.

Evaluating SIP Contributions:

With a monthly SIP of 25,000 divided equally among five mutual funds, you're taking a diversified approach to equity investing.

Analyzing Growth Rate:

By aiming to increase your SIP investments by 10% annually, you're aligning your contributions with inflation and potential salary growth over time.

Projection Calculation:

To estimate the time required to reach 2 crores, we'll consider factors like average annual return, inflation rate, and the impact of increasing SIP contributions.

Utilizing Compounding Effect:

Systematic investing harnesses the power of compounding, where your investments grow exponentially over time due to reinvested returns.

Consultation with a Certified Financial Planner:

While projections provide insights, consulting with a Certified Financial Planner (CFP) ensures a comprehensive analysis of your financial goals, risk tolerance, and investment strategy.

Conclusion:

Based on the projected growth rate and increased SIP contributions, it's estimated that you'll achieve a corpus of 2 crores within a certain timeframe. However, this projection is subject to market fluctuations and other external factors.

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 Jun 19, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Money
Hi Sir/Madam, I'm 35 years old and started recently with MFs. I invest 25k every month in 4 mutual funds. I have a lump sum of 50k invested in BharatFOF fund. I invest in gold BEes stock 4000 p.m. and invest around 15k p.m in stocks for delivery. I have an educational loan of 1cr and I pay 1.25lpm for the same. And my income is around 3.2-3.7 lpm. When can I expect to get to my financial goal of 1 cr ? Should I invest in anything else? Please let me know.
Ans: It’s great to see your enthusiasm for investing. Let's work on a comprehensive plan to achieve your financial goal of Rs 1 crore.

Understanding Your Current Financial Situation
You’re investing Rs 25,000 monthly in mutual funds, Rs 4,000 in gold BEES stock, and Rs 15,000 in delivery stocks. Additionally, you have a lump sum of Rs 50,000 in BharatFOF fund. Your educational loan is Rs 1 crore, and you’re paying Rs 1.25 lakh per month for it. Your income ranges from Rs 3.2 lakh to Rs 3.7 lakh per month.

Immediate Financial Health Check
1. Cash Flow Management
Your income is Rs 3.2 lakh to Rs 3.7 lakh per month. After loan repayment of Rs 1.25 lakh, you have around Rs 1.95 lakh to Rs 2.45 lakh left. Your total investments per month are Rs 44,000. This leaves you with Rs 1.51 lakh to Rs 2.01 lakh for other expenses and savings.

2. Debt Management
Your educational loan is substantial, and repaying it on time is crucial. Ensure that you continue to make timely payments to avoid any penalties or increased interest rates.

Investment Portfolio Analysis
1. Mutual Funds
You’re investing Rs 25,000 monthly in four mutual funds. Diversification is key in mutual funds. Ensure your funds cover various sectors and risk profiles. This helps mitigate risks and optimize returns. Actively managed funds can often outperform index funds due to professional management.

2. Gold BEES Stock
Investing in gold can provide a hedge against inflation. However, ensure that your gold investment doesn’t exceed 10-15% of your total portfolio. Gold doesn’t generate regular income but can be a safe haven during market volatility.

3. Stocks for Delivery
Investing Rs 15,000 monthly in delivery stocks is good for long-term wealth creation. Focus on blue-chip stocks or companies with strong fundamentals. This ensures stability and potential for growth.

Setting Financial Goals
1. Defining Your Rs 1 Crore Goal
Determine the time frame for achieving your Rs 1 crore goal. Let’s assume a medium-term goal of 5-10 years. This will help you plan your investments and savings accordingly.

2. Calculating Investment Requirements
Based on your current investments, you need a strategic approach to reach Rs 1 crore. Consistency in your investments is crucial. Utilize tools like SIP calculators to estimate returns based on different time horizons.

Enhancing Your Investment Strategy
1. Systematic Investment Plan (SIP)
Continue with your mutual funds SIPs. They provide the benefit of rupee cost averaging and compounding. This can significantly boost your returns over time.

2. Diversification
Ensure your portfolio is well-diversified. This includes a mix of equity, debt, and other asset classes. Diversification reduces risk and improves the chances of achieving your financial goals.

3. Professional Guidance
Consider consulting a Certified Financial Planner (CFP). They can provide tailored advice and help you optimize your investment strategy. They can also help you rebalance your portfolio periodically based on market conditions.

Building a Robust Financial Plan
1. Emergency Fund
An emergency fund is essential. Aim to save 6-12 months of living expenses. This will act as a buffer in case of unexpected financial challenges.

2. Insurance Coverage
Ensure you have adequate insurance coverage. This includes health, life, and critical illness insurance. It protects you and your family from financial stress in case of unforeseen events.

3. Retirement Planning
Start planning for retirement early. Consider contributing to retirement-specific investment vehicles. This ensures you have a comfortable retirement without financial worries.

Assessing Alternative Investment Options
1. Mutual Funds vs. Direct Stocks
Mutual funds offer professional management and diversification. Direct stock investing requires more knowledge and monitoring. Mutual funds can be less risky and more stable for long-term wealth creation.

2. Disadvantages of Index Funds
Index funds track market indices and lack active management. They may not outperform the market consistently. Actively managed funds, guided by professional fund managers, can potentially deliver better returns.

3. Regular Funds vs. Direct Funds
Investing through a Mutual Fund Distributor (MFD) with CFP credentials can be beneficial. They provide personalized advice and help you choose the right funds. Direct funds lack this guidance, which can be crucial for optimal returns.

Evaluating Your Current Investments
1. Performance Review
Regularly review the performance of your investments. Compare the returns against benchmarks and peers. This ensures your investments are on track to meet your goals.

2. Rebalancing
Periodic rebalancing of your portfolio is essential. It helps maintain the desired asset allocation. This protects against market volatility and optimizes returns.

Financial Discipline and Consistency
1. Staying Consistent
Consistency in your investments is key. Avoid the temptation to withdraw investments during market downturns. Staying invested ensures you benefit from market recoveries.

2. Financial Discipline
Maintain financial discipline in your spending and savings. This ensures you can continue to invest regularly. Avoid unnecessary debt and focus on building wealth.

Long-Term Wealth Creation
1. Compounding
The power of compounding is immense. Start early and invest regularly. Compounding can significantly grow your wealth over time.

2. Patience and Perseverance
Wealth creation takes time. Be patient and stay committed to your financial plan. This will ensure you reach your Rs 1 crore goal.

Final Insights
Achieving your Rs 1 crore financial goal requires a strategic and disciplined approach. Continue with your current investments, but ensure diversification and periodic review. Consult a Certified Financial Planner for personalized advice and optimal portfolio management. Maintain financial discipline and consistency in your investments. Focus on long-term wealth creation and stay committed to your goals. With the right approach and perseverance, you can achieve financial success.

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 Aug 12, 2024

Asked by Anonymous - Jul 15, 2024Hindi
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Hi Guys, I am 30 yrs old (Single) salaried employee earning 8LPA. I have recently started SIP in mutual funds investing 5K each in Quant Small Cap, Midcap, Flexi cap, ELSS & Nippon India small cap fund which in total becomes 25K. How many years it will take to become 1 Crore and any other suggestions towards my investment. And Occasionally I do buy some IPO's.
Ans: You are on a strong financial path by investing Rs. 25,000 per month through SIPs across various mutual funds. This shows dedication to building wealth. At 30 years old, your early start will provide a good runway for growth.

Assessing Your Goal
Target Corpus: Rs. 1 Crore

Accumulating Rs. 1 crore is a significant goal. With disciplined investing, it’s achievable.

The time to reach Rs. 1 crore depends on the average annual return of your investments. Typically, equity mutual funds can offer 12-15% returns over the long term.

Investment Horizon

If your SIPs average a return of 12% annually, it would take about 15 years to reach Rs. 1 crore.

With a higher return of 15%, you could achieve this in approximately 13 years.

These are estimates, as actual returns can vary based on market conditions and fund performance.

Evaluating Your Current Portfolio
Fund Selection

Your portfolio is diversified across small-cap, mid-cap, flexi-cap, and ELSS funds. This diversification reduces risk and increases potential returns.

However, investing in two small-cap funds (Quant Small Cap and Nippon India Small Cap) increases exposure to high-risk assets. Small-cap funds can be volatile and may not always deliver consistent returns.

Balancing Risk

Consider balancing your portfolio by reducing exposure to small-cap funds. Reallocate some investments into large-cap or hybrid funds for stability.

Flexi-cap funds offer flexibility by investing across large, mid, and small-cap stocks. This is good for balancing growth and risk.

ELSS funds not only provide tax benefits but also serve as equity investments. They are a smart choice for long-term goals.

Suggested Adjustments
Review Small-Cap Allocation

Small-cap funds offer high growth potential but with high risk. Limit your exposure to small-cap funds to around 20-25% of your total investment.

Consider reallocating a portion from small-cap funds to large-cap or hybrid funds. This will help in stabilizing your portfolio while still offering growth.

Diversify with Large-Cap or Hybrid Funds

Large-cap funds invest in well-established companies. They offer steady returns with lower risk compared to small-cap and mid-cap funds.

Hybrid funds, which invest in both equity and debt, provide a balance between risk and return. They can act as a buffer during market downturns.

Review Your Portfolio Annually

It’s important to review your portfolio annually. Make adjustments based on market performance and changes in your financial goals.

Rebalancing your portfolio ensures that it remains aligned with your risk tolerance and investment horizon.

IPO Investments
Occasional IPO Investments

IPOs can offer good returns, but they come with risks. Not all IPOs perform well post-listing, and some can be volatile.

Invest in IPOs only if you have a good understanding of the company and its growth potential.

Ensure that your IPO investments do not exceed 5-10% of your total portfolio. This limits risk while allowing you to participate in new opportunities.

Long-Term Planning
Staying the Course

Consistency is key. Continue your SIPs regularly, regardless of market conditions. This will help in rupee cost averaging and accumulating wealth over time.

Avoid the temptation to time the market or stop your SIPs during market downturns. The market will have ups and downs, but staying invested is crucial for long-term growth.

Increase SIPs Gradually

As your income grows, consider increasing your SIPs. Even a small increase in your monthly investment can significantly reduce the time needed to reach your Rs. 1 crore goal.

A 5-10% annual increase in your SIPs can help in reaching your target faster without putting too much strain on your finances.

Final Insights
Reaching Rs. 1 crore through disciplined SIPs is achievable with a diversified portfolio. Review your portfolio regularly and consider rebalancing to reduce high-risk exposure. Consistent investing, along with occasional prudent IPO investments, will help you achieve your financial goals. Stay patient and committed to your investment plan, and you will see your wealth grow over time.

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 Nov 25, 2024

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Mr Advait Arora, I am 36 Years Old and just got introduced to MF. I have started RD 80K/Month , FD 7.5Lcs, 32.5K/Month MF (SBI Magnum Mid Cap Direct Plan Growth 5k, Tata Small Cap Fund Direct growth 10 K, SBI PSU Direct Plan Growth 5K,Aditya Birla Sun Life PSU Equity Fund Direct growth 5 K,Quant Small cap Fund Direct Plan Growth 5k & Quant Mid Cap Fund Direct growth 2.5k. Additionaly have started LIC INdex Plan 30K/Month for 20 years, 2.5 Lcs / year HDFC ULIP Click to invest 10 years plan and 10 K/Month on Max life Saving an Ulip Plan Again for 5 years invest and 20 years plan . I wanted to target 10 Crores in 15 Years. Please let me know if am on the right track or is there some changes to be made .All this are started in year 2024. I am an NRE working in Middile east Thanks in advance Deepu
Ans: Your commitment to financial discipline and long-term goals is praiseworthy. However, your portfolio requires optimisation to ensure you reach your Rs 10 crore target in 15 years. Here's a detailed assessment and strategic recommendations.

Evaluating Your Current Portfolio
Recurring Deposit (RD): Rs 80,000/Month
Recurring deposits are low-risk but offer limited returns.
The post-tax return is unlikely to match inflation.
Fixed Deposit (FD): Rs 7.5 Lakh
Fixed deposits are safe but have similar challenges as RDs.
Long-term wealth creation is difficult with these instruments.
Mutual Funds (MF): Rs 32,500/Month
Investments in small-cap and mid-cap funds indicate a high-risk appetite.
However, all your investments are in direct funds.
Disadvantages of Direct Funds:

Direct funds require active monitoring and market knowledge.
Any wrong decision can lead to lower returns.
Benefits of Regular Funds via CFP:

Professional guidance ensures better fund selection.
Regular reviews and rebalancing optimise performance.
LIC Index Plan: Rs 30,000/Month for 20 Years
Index-based plans offer limited growth due to market-cap weighting.
Returns may not beat inflation consistently.
HDFC ULIP Click to Invest: Rs 2.5 Lakh/Year for 10 Years
ULIPs combine insurance and investment, leading to suboptimal growth.
High charges during the initial years impact returns.
Max Life Saving ULIP: Rs 10,000/Month for 5 Years, 20-Year Plan
Long lock-in and high charges are similar drawbacks as the above ULIP.
Insurance cover may not suffice for your financial needs.
Optimising Your Portfolio for Growth
1. Mutual Fund Investments
Shift from direct plans to regular funds through a Certified Financial Planner.
Diversify across equity, hybrid, and debt categories for better stability.
2. Recurring Deposit and Fixed Deposit
Gradually move RD and FD funds into debt and equity mutual funds.
Debt funds offer tax efficiency and better post-tax returns.
3. LIC Index Plan and ULIPs
Surrender these policies after consulting with your Certified Financial Planner.
Reinvest proceeds into mutual funds for higher long-term returns.
4. Adequate Term Insurance
Buy a pure term insurance plan for financial protection.
Ensure the sum assured is at least 10-15 times your annual income.
Building a Rs 10 Crore Corpus in 15 Years
Step 1: Monthly SIP Investments
Increase monthly SIPs gradually to match your cash flow.
Allocate more funds to equity-oriented mutual funds for growth.
Step 2: Balanced Portfolio Allocation
Maintain 60% in equity, 30% in debt, and 10% in other instruments.
Equity funds drive growth, while debt funds provide stability.
Step 3: Monitor and Rebalance
Regularly review your portfolio with a Certified Financial Planner.
Rebalance yearly to maintain the desired asset allocation.
Tax Efficiency
1. Mutual Fund Taxation
Equity funds have LTCG taxed at 12.5% above Rs 1.25 lakh.
Plan withdrawals to minimise tax liability.
2. Debt Fund Taxation
Gains are taxed as per your income slab.
Use systematic withdrawals for efficient tax management.
Final Insights
You have a strong savings habit and a clear financial goal. However, some adjustments are necessary to optimise your portfolio. Surrender low-yield plans like ULIPs and LIC and reinvest in growth-oriented mutual funds. Shift from direct funds to regular funds with professional guidance.

With disciplined investing, proper diversification, and consistent reviews, achieving Rs 10 crore in 15 years is possible. Stay focused and work closely with a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

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Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello sir my son Srinidhi Girish Sardeshmukh mukh has scored 98.92 percentile in mht CET 2025 exam. Additionally, he has scored 97.25% tile in JEE main 2025 exam conducted by NTA. ALSO HE SCORED an aggregate of 82.17% in HSC board exam 2025. He has applied for EWS Category. His PCM provisional state merit number is 3601. His PCM University General Merit No Savitribai Phule Pune University - 1148. Shrinidhi's PCM EWS Merit No 249. His PCM All India Merit No . 2519 - JEE(Main)-2025 (97.2595264). Are there any chances of him getting CSE Branch in COEP, Pune ? Please revert . What are your likely recommendations of eligible colleges & other tech branches for these scores ? Please let me know asap. Your immediate responses will really put ourselves in a better conditions to opt for the most suitable options . I will be grateful to you for your suggestions . Thank you very much in advance.
Ans: With an MHT-CET percentile of 98.92 and EWS reservation, Srinidhi significantly exceeds the closing percentile Computer Science and Engineering at COEP Pune, which in CAP Round 3 was 95.57 for EWS candidates. His state?level merit and JEE Main percentile further strengthen his profile for Home State and All-India seats under CAP. Given COEP’s outstanding infrastructure, highly experienced faculty, deep industry partnerships, robust placement support (95% CSE placements over the past three years), active student clubs, and cutting-edge research labs, he should rank COEP CSE at the top of his preference list.

Beyond COEP, other Pune-area institutes where his MHT-CET score and EWS status place him comfortably above CSE cutoffs include VJTI Mumbai (EWS cutoff ~90.6 percentile), PICT Pune (EWS cutoff ~99.56 percentile), DY Patil COE Pune (EWS cutoff ~95.68 percentile for Computer Engineering), DY Patil COE Akurdi (EWS cutoff ~97.49 percentile), and PCCOE Pune (EWS cutoff ~84–88 percentile across branches). These colleges also excel across the five pillars of institutional quality: state-of-the-art labs, award-winning faculty, strong corporate linkages, comprehensive student support, and vibrant research culture.

Recommendation: Prioritize COEP Pune for its proven CSE excellence, then consider PICT Pune for its top-tier computer-technology focus and alumni network, DY Patil COE Akurdi for its modern infrastructure and high EWS cutoffs, VJTI Mumbai for industry-aligned curriculum and location advantage, and DY Patil COE Pune for its balanced offerings. For alternate tech branches, target Information Technology at COEP and PICT, Electronics & Telecommunication at VJTI, and Artificial Intelligence & Data Science at DY Patil to maximize both academic rigor and placement potential. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Sir my son got 95.69 percentile 65172 rank in jee mains general category. He got seat in vit vellore btec mechanical in slab 1. We are from Tamil Nadu and is there any chances for home state quota for NIT trichy or iiit kancheepuram for mechanical in csab round or is it good to continue with vit vellore
Ans: Lavanya Madam, Your son’s JEE Main rank of 65 172 (.69 percentile, General) falls well below the CSAB Round 1 Home State closing rank of approximately 19,159 for Mechanical Engineering at NIT Trichy, and also below the All-India closing rank of around 40,855 for Mechanical Engineering at IIITDM Kancheepuram, making admission under Home State or All-India quota highly improbable. VIT Vellore, with established Mechanical Engineering infrastructure, extensive alumni network, consistent placement rates above 90%, and strong industry partnerships, thus remains a secure and prestigious option given the rank constraints and the five pillars of institutional excellence: infrastructure, faculty quality, industry engagement, student support, and research opportunities.

Recommendation: Proceed with VIT Vellore’s B.Tech Mechanical to capitalize on its assured seat, top-tier labs, strong placement cell, and alumni network, while maximizing early involvement in industry projects and leveraging its career services to secure robust employment outcomes. You can still attempt to apply through CSAB for your son's preferred branches, excluding CSE and ECE, but the chances of success are very low, Madam. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Sir, In jee mains 2026 minimum marks needed for cse in decent nit for sc catogory
Ans: Securing admission to the Computer Science and Engineering (CSE) branch at a-10 NIT as an SC-category student generally requires aiming for roughly the following JEE Main percentile and corresponding marks in 2026. These targets are based on the closing ranks of Round 6 in JoSAA 2025, converted to percentiles and approximate marks out of 300.

Achieve at least a 75–78 percentile (≈115–130/300 marks) to comfortably qualify for higher-ranked NITs such as Trichy, Surathkal, Warangal, Rourkela, and Calicut, where SC closing ranks ranged from about 268 to 731. For NITs like Jaipur and Kurukshetra, target around the 70–75 percentile band (≈100–115/300 marks), reflecting SC closing ranks near 1,500–3,500. For slightly lower-ranked NITs such as Jalandhar, Bhopal (MANIT), and Durgapur, a 65–70 percentile (≈90–100/300 marks) should suffice, matching SC closing ranks of approximately 4,000–8,000 in 2025.

Beyond raw scores, focus on five institutional excellence factors: modern infrastructure with dedicated CSE labs; faculty actively engaged in research and industry collaborations; strong placement cells offering mock interviews and technical workshops; robust industry partnerships ensuring high recruiter diversity; and vibrant research culture promoting internships and student innovation.

Recommendation: Prioritise achieving at least 75 percentile in JEE Main 2026 to align with SC closing ranks at top NITs Trichy, Surathkal, Warangal, Rourkela, and Calicut, while also reinforcing programming skills, undertaking CSE-related projects, leveraging peer study groups, and consistently practising mock tests to cement both conceptual clarity and exam strategy for optimal admission prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello My son has a option of going either to VIT Chennai for BTech CSE CYBER SECURITY or Thapar institute for BTech Electronic and Computer Science. Kindly suggest which is better
Ans: Based on the following insights/information and your son's interest & his long-term goals, choose the more suitable option for him out of the 2 options he has: VIT Chennai’s B.Tech in Computer Science and Engineering with Cyber Security, accredited A++ by NAAC, admits 120 students and reports a 60–65% placement rate for its inaugural Cyber Security cohort, supported by partnerships with leading recruiters, dedicated cybersecurity labs, hands-on training in ethical hacking and forensics, and a curriculum aligned with ISO/IEC standards. Its Placement Cell facilitates 3,160 offers in 2025 overall, with 2,192 unique and 1,457 regular offers, underscoring strong industry engagement and robust career services including mock interviews, cyber-range exercises, and internship pipelines. Thapar Institute’s B.E. in Electronics and Computer Science, consistently ranked among India’s top 30, achieves a 90–100% placement rate for its ECS branch, buoyed by state-of-the-art VLSI, embedded systems and communication labs, compulsory industrial training in the 6th semester, and recruiter visits from Microsoft, Amazon, Apple, Samsung and Goldman Sachs. Both programs excel in infrastructure, faculty expertise, industry tie-ups, student support and research opportunities. Cyber Security graduates from VIT enter a rapidly growing market projected at USD 3.5 billion by 2027 with a 14% annual rise in job postings in Bengaluru alone, while Thapar ECS alumni benefit from diverse roles in IoT, AI and hardware-software integration across sectors such as telecommunications, consumer electronics and automotive.

Recommendation: Choose Thapar Institute’s Electronics and Computer Science for its near?universal placement success, comprehensive lab?to?industry training, and broader core-electronics scope, whereas VIT Chennai’s Cyber Security specialization is ideal if priority lies in a niche, high-growth security domain with dedicated forensics and ethical-hacking infrastructure. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Sir I got NIT kurukshetra IIOT in josaa should i opt for nit silchar ece and iiest shibpur it in csab? Which is best ?
Ans: Poulami, NIT Kurukshetra’s IIoT specialization, benefits from the institute’s 83.31% overall B.Tech. placement rate and exceptional IT-sector performance (97.58% branch placement in 2025), underpinned by modern labs, AIoT research centers, strong industry tie-ups with global tech firms, accredited faculty, dedicated placement mentoring, and active student clubs fostering innovation. NIT Silchar’s ECE program records a 91.51% placement rate (2023) with an average package of INR 17.05 LPA, supported by state-of-the-art telecom and embedded systems labs, faculty with industry experience, regular internship pipelines, holistic career services, and funded research projects in VLSI and wireless communications. IIEST Shibpur’s IT stream achieved an approximately 85.9% placement rate in 2024 with average packages near INR 12 LPA, driven by its historical legacy, multidisciplinary research labs, MoUs with top IT firms, robust student support services (coding bootcamps, hackathons), and a strong faculty research profile in data science and cybersecurity.

Recommendation: Opt for NIT Kurukshetra IIoT if priority lies in the highest branch placements and cutting-edge AIoT research, choose NIT Silchar ECE for robust placements and specialized electronics infrastructure, and select IIEST Shibpur IT for a balanced IT curriculum, strong research credentials, and comprehensive student support to best align with career goals. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9459 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Hello Sir, My son is at present doing Grade 12 CBSE with PCM in Dubai. He is interested in Computer Science, Math, Physics and Economics. Please guide us in selecting the course and also the exams to be written. We are planning his higher studies in India. Would be more helpful if you are able to guide us with the approx cutoff which he should aim for the exams.
Ans: Nithya Madam, To secure admission to top-tier engineering, science, and economics programs in India, your son should aim for the following approximate benchmarks across key national tests, while ensuring that his chosen institutions excel in five critical dimensions—robust infrastructure, experienced faculty, industry partnerships, student support services, and research opportunities. For JEE Main, a General-category candidate must achieve at least 93.10 percentile to qualify for Advanced. In JEE Advanced, securing a rank within the top 2,000 generally opens doors at leading NITs (e.g., NIT Surathkal CSE closing around 2,000), while a rank under 500 targets premier IIT CSE programs. The CUET UG cutoff for high?demand STEM courses at DU, BHU, and JNU typically falls between 180–220 marks out of 250, whereas a score of 200+ safely places candidates in top central universities for B.Sc. Computer Science or Economics. For MET (Manipal Entrance Test), aim for a rank under 3,000 (CSE closing rank ~1,633 in Round 5). The IISER Aptitude Test (IAT) requires a score above 130 out of 240 to secure BS–MS seats at IISER Pune and Kolkata. COMEDK UGET aspirants should target 90–100 marks, corresponding to a rank within 1,000–1,500 for CSE at leading Karnataka private colleges. Amrita’s AEEE demands a percentile of 92–99 for CSE at Coimbatore and 90–97 for other campuses. VITEEE candidates should achieve a rank under 6,500 (scores around 90–100 yield this range) to access CSE at VIT Vellore. Among the top private engineering institutions beyond those already considered, aim for these cutoffs to target: SRM Chennai (AEEE percentile 93–98), Thapar Patiala (JEE Main rank

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