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43-Year-Old with ₹6.61 Crore: When Can I Retire?

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 24, 2025

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 - Mar 08, 2025Hindi
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Hello, I am currently 43 years of age and below are some of my assets. FD - INR 2.46 cr PPF - INR 45 lakh MF - INR 70 lakh Life Insurance - INR 2.5 cr Medical insurance (family plan) - INR 10 lakh Gold jewellery + physical gold - approx. INR 1 cr one house - yielding INR 30k per month rent currently investing 1 lakh per month in mf through sip staying in another house with family. Loans - zero monthly expense - INR 45k 2 kids - elder one in class 10th and younger one in class 6th education for both kids expected from school to higher education - INR 3cr marriage for both kids expected - INR 1 cr What age should i plan to retire expecting a life expectancy of 85 years for myself and wife and avg expense to be around INR 1 lakh at future date.

Ans: You have built a strong financial foundation. Your assets include fixed deposits, mutual funds, life insurance, gold, and rental income. You also have no loans, which is excellent.

Your key financial goals are:

Children’s education (Rs. 3 crore)

Children’s marriage (Rs. 1 crore)

Retirement planning with Rs. 1 lakh per month from a future date

Your current age is 43, so let’s analyse when you can retire.

Current Asset Position
Fixed Deposits (Rs. 2.46 crore) – Highly liquid but generates taxable interest.

PPF (Rs. 45 lakh) – Safe and tax-free but locked for a longer term.

Mutual Funds (Rs. 70 lakh) – Can provide inflation-beating returns over time.

Life Insurance (Rs. 2.5 crore) – Provides family protection, but review the type of policy.

Gold (Rs. 1 crore) – Useful for long-term wealth storage, but returns are not high.

Rental Income (Rs. 30,000 per month) – A passive income stream.

SIP of Rs. 1 lakh per month – A disciplined approach to wealth accumulation.

Cash Flow & Expense Projection
Your current expense is Rs. 45,000 per month.

You expect Rs. 1 lakh per month at a future date.

Rental income of Rs. 30,000 per month can help offset future expenses.

You need to create a structured investment plan to cover your goals.

Education and Marriage Planning
Children’s education (Rs. 3 crore) will happen over the next 10–15 years.

You should allocate Rs. 1.5 crore in growth-oriented investments.

The remaining Rs. 1.5 crore should be in safer instruments.

Children’s marriage (Rs. 1 crore) is a long-term goal.

You can keep Rs. 50 lakh in balanced mutual funds.

The rest can be in long-term corporate bonds for safety.

Retirement Planning
You need Rs. 1 lakh per month post-retirement.

Rental income and interest from fixed deposits will help.

You need a mix of equity and debt to sustain for 40+ years.

Start a Systematic Withdrawal Plan (SWP) after retirement.

Keep at least 5 years’ expenses in safe assets for liquidity.

Asset Restructuring
Fixed deposits generate taxable income. Reduce exposure over time.

Increase mutual fund allocation for better long-term growth.

Reduce gold holding unless required for family needs.

Review life insurance policies. If they are ULIPs or traditional plans, reinvest in mutual funds.

Continue SIPs but ensure allocation to high-growth funds.

Final Insights
You are in a strong financial position. With proper planning, you can retire comfortably. Ensure your investments align with long-term cash flow needs. Maintain a balance between equity, debt, and passive income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Asked by Anonymous - Mar 25, 2025Hindi
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Hello Sir, I am currently 43 years of age and below are some of my assets. FD - INR 2.56 cr PPF - INR 45 lakh MF - INR 70 lakh PMS - INR 50 lakh Term Life Insurance - INR 2.5 cr Medical insurance (family plan) - INR 10 lakh Gold jewellery + physical gold - approx. INR 1 cr one house - yielding INR 30k per month rent currently investing 1 lakh per month in mf through sip (large, mid and small ap fund) staying in another house with family. Loans - zero monthly expense - INR 45k 2 kids - elder one in class 10th and younger one in class 6th education for both kids expected from school to higher education - INR 3cr marriage for both kids expected - INR 1 cr What age should i plan to retire expecting a life expectancy of 85 years for myself and wife and avg expense to be around INR 1 lakh at future date.
Ans: You have built a strong foundation. Let's assess your retirement feasibility from multiple angles.

Current Financial Position
You have Rs 2.56 crore in fixed deposits.

PPF corpus stands at Rs 45 lakh.

Mutual fund investments are Rs 70 lakh.

PMS investments are Rs 50 lakh.

You own Rs 1 crore worth of gold.

A rental property earns Rs 30,000 per month.

You have a term life cover of Rs 2.5 crore.

Medical insurance is Rs 10 lakh for your family.

Your monthly expense is Rs 45,000.

You invest Rs 1 lakh per month in mutual funds.

Key Future Financial Goals
Children's Education: Rs 3 crore estimated cost.

Children's Marriage: Rs 1 crore estimated cost.

Retirement Corpus: To sustain Rs 1 lakh monthly expense.

Retirement Feasibility Analysis
1. Children's Education and Marriage
The first major financial commitment is education.

Your existing corpus and future savings must ensure Rs 3 crore.

Marriage expenses will require an additional Rs 1 crore.

2. Retirement Corpus Requirement
You expect to retire with Rs 1 lakh monthly expenses.

This expense will increase due to inflation.

A large retirement corpus is needed to sustain for 40+ years.

Can You Retire Now?
Your current investments may not fully support retirement yet.

The education and marriage costs are substantial.

You must balance wealth preservation and growth.

What Age Should You Retire?
A realistic age for retirement could be around 50-55 years.

This allows you to accumulate a stronger corpus.

You can continue investing Rs 1 lakh per month.

A phased withdrawal strategy will be needed post-retirement.

How to Strengthen Your Retirement Plan?
1. Increase Equity Allocation
Your PPF and FD investments are conservative.

Consider reallocating part of your FD to mutual funds.

PMS allocation should also be reviewed for performance.

2. Ensure Inflation Protection
Fixed deposits may not beat inflation long-term.

Equity exposure should remain high for growth.

3. Healthcare Preparedness
Rs 10 lakh medical insurance may be insufficient in the future.

Consider a super top-up plan for additional coverage.

4. Rental Income Optimization
Your rental property provides stable income.

Ensure it remains a profitable asset.

Final Insights
You are on track but need to optimise investments.

A retirement age of 50-55 years is ideal.

Equity exposure must be increased gradually.

Education and marriage costs must be secured first.

Healthcare preparedness is crucial for long-term security.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2025

Asked by Anonymous - May 13, 2025
Money
Hi, i'.m 53 years old and working in a private firm. my wife is a housewife. we have a son completed B.Tech this month and looking for a job. We have 3 houses and are getting a total rent of about Rs.30 K / month. My salary is about Rs.2.20 LPM. Recently we have purchased a house for Rs.1.20 Cr with own funds and demolished it to construct a new house. My assets are 4 houses with a total value of Rs.4 Cr. Jewels of worth Rs.80 lakhs, FD worth Rs.2 Cr, mutual funds and shares worth Rs.5 lakhs. Total PPF about Rs.45 lakhs maturing in April 2028. I have to spend Rs.60 lakhs (own fund) on construction of new house and i have to spend about Rs.30 lakhs for my son's marriage after 3 - 4 years. Have mediclaim for the family of a total value of Rs.7 Lakhs and no life insurance. Pls assess my financial position and suggest at what age i can retire.
Ans: You are 53 years old and working in a private company.

   

Your take-home salary is about Rs.2.20 lakh per month.

   

Your wife is a homemaker. You are the only earning member.

   

Your son has completed B.Tech and is job-hunting now.

   

You have 4 houses with a total value of about Rs.4 crore.

   

Your rental income is Rs.30,000 per month from these properties.

   

You recently bought a house for Rs.1.20 crore from your own money.

   

You are rebuilding the new house. It will cost you another Rs.60 lakh.

   

You plan to spend about Rs.30 lakh on your son’s marriage in 3–4 years.

   

You have Rs.2 crore in Fixed Deposits.

   

Your mutual fund and stock portfolio is Rs.5 lakh.

   

Your PPF balance is Rs.45 lakh, maturing in April 2028.

   

You have Rs.80 lakh worth of gold jewellery.

   

You have health insurance for the family worth Rs.7 lakh.

   

You do not have any life insurance policies currently.

   Immediate Financial Priorities
You are going to spend Rs.60 lakh soon on house construction.

   

You will also spend Rs.30 lakh on your son's marriage after 3–4 years.

   

These are significant cash outflows. They need proper planning.

   

It is better to separate your funds for these purposes now itself.

   

Keep Rs.60 lakh in a liquid debt fund or sweep-in FD. Use it only for construction.

   

For son’s marriage, keep Rs.30 lakh in a short-term debt mutual fund.

   


This ensures you do not disturb other savings or investments later.

Insurance Planning – Health and Life
You have Rs.7 lakh health cover for the whole family.

   

This is slightly low for your age and family size.

   

Increase it to at least Rs.15–20 lakh by adding a super top-up plan.

   

No life insurance is okay if you have enough assets.

   

But if your son is still dependent, buy a term insurance for the next 5 years.

   

Do not buy traditional or ULIP-based plans. They are not wealth creators.

   

Term insurance gives high cover at low premium.

   

Asset Assessment and Distribution
You have built a strong asset base. Let us analyse your assets:

   

Real estate value – Rs.4 crore (excluding the new one under construction)

   

Jewels – Rs.80 lakh (good, but not ideal as investment)

   

Fixed Deposits – Rs.2 crore (excellent liquidity, but tax-inefficient)

   

PPF – Rs.45 lakh (safe and tax-free, maturing in 2028)

   

Mutual funds and shares – Rs.5 lakh (very low for your profile)

   

Your total net worth is around Rs.7.3 crore (excluding the house under construction).

   

This is a strong position.

   

However, wealth distribution is skewed towards real estate and FDs.

   

This affects liquidity and long-term growth.

   

Key Observations and Financial Insights
Rental yield on real estate is low. You get Rs.30,000 per month from Rs.4 crore.

   

That’s just 0.75% annually. This is not efficient.

   

Real estate is illiquid and involves maintenance, taxes, and risk.

   

Your FD returns are taxable as per your income slab.

   

This reduces your post-tax returns considerably.

   

You are underinvested in mutual funds and equities.

   

Equity is needed to beat inflation in retirement years.

   

Your PPF maturity is 3 years away. That is well-timed for retirement use.

   

Mutual Fund Investing Strategy
You should start shifting a part of your FD money to mutual funds.

   

You can start with hybrid funds for lower risk and steady growth.

   

Do not go for index funds. They work without active management.

   

In index funds, you must monitor and rebalance yourself.

   

Index funds follow market. They don’t protect capital in down times.

   

Actively managed funds have professional handling by experts.

   

They aim to outperform the market with proper asset selection.

   

Choose regular plans via an MFD with Certified Financial Planner support.

   

Regular plans may have slightly higher cost, but offer better service and guidance.

   

Direct funds offer no review, no support, no adjustments.

   

That can affect your long-term growth and confidence.

   

Retirement Readiness Assessment
You want to know when you can retire peacefully.

   

Your monthly expense needs to be estimated.

   

Let’s assume a post-retirement spending of Rs.75,000 per month.

   

That’s Rs.9 lakh per year. Inflation will increase this every year.

   

You need a retirement corpus that can grow and give income.

   

You should not depend on real estate or jewellery for monthly cash.

   

FD interest is not enough to beat inflation. Also, it is taxable.

   

You need mutual funds to give inflation-beating returns.

   

Step-by-Step Retirement Preparation Plan
Step 1: Keep Rs.60 lakh separate for house construction now.

   

Step 2: Park Rs.30 lakh in short-term debt fund for son’s marriage.

   

Step 3: Increase health insurance to Rs.15–20 lakh using super top-up.

   

Step 4: Use Rs.75 lakh from FDs to start mutual fund investments.

   

Step 5: Continue with small SIPs also. They help build long-term discipline.

   

Step 6: Keep Rs.25 lakh in FD as emergency buffer.

   

Step 7: After your house is built, evaluate whether to sell any other house.

   

Step 8: If needed, sell one underperforming rental property after 5 years.

   

Step 9: Use that to top up mutual funds for retirement.

   

Retirement Age Estimation
With good planning, you can retire by 58 years.

   

If you reduce expenses, then retirement at 56 is also possible.

   

You don’t have to wait till 60, unless your son remains financially dependent.

   

At 58, your PPF will mature. That gives Rs.45 lakh in hand.

   

You can use that money to create a Systematic Withdrawal Plan (SWP).

   

SWP from mutual funds gives monthly income with better taxation.

   

You also have gold and property for backup, but don’t depend on them for monthly cash.

   

Plan your retirement with mutual funds as the main growth engine.

   

Finally
You are financially strong. You’ve built wealth with discipline.

   

But the asset mix needs rebalancing.

   

Avoid further investment in real estate.

   

Don’t increase FD amount. Shift some to mutual funds.

   

Keep emergency fund, marriage, and construction money separate.

   

Do not invest in index funds or direct funds. They are not suitable now.

   

Go with actively managed funds through regular plans.

   

Get guidance from an MFD with Certified Financial Planner qualification.

   

You can comfortably retire in 3–5 years with proper steps.

   

You’ve done well. Stay consistent. Avoid emotional money decisions.

   

Your retirement can be peaceful, purposeful, and independent.

   

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Money
Dear Sir, I am 43 years old with two kids aged 13 and 9( both daughters) and wife homemaker. I have a home loan of 80 lakhs and pay 65,000 EMI monthly. My NTH is 2.5 lakhs per month. Following are my savings 1)MF- 85 Lacs 2) FD-25 lacs 3) SGB- 15 lacs 4) Gold 100 sovereigns belong to my wife 5) Immovable asset- 1 apartment on 20k rent and an individual villa worth 1.5 crs(On loan) 6) PF -30 lacs 7) NPS- 20 lacs. Kindly advice on the financial planning with daughters education and marriage and our retirement corpus. What will be the right age for retirement ? ( I am not greedy in moneymaking and wanted to settle a peaceful life)
Ans: You are living a disciplined life. You are not greedy. You want peace and security for your family. That is the best approach.

Let us now see your position and what you can do to secure your daughters’ education, marriage, and your peaceful retirement. We will explore all angles. The solution will be 360 degree. Very simple words used below.

Your Current Profile
Age: 43 years

Two daughters: Age 13 and 9

Wife: Homemaker

Net monthly income: Rs. 2.5 lakhs

Home loan EMI: Rs. 65,000

Your Existing Assets
Mutual Funds: Rs. 85 lakhs

Fixed Deposits: Rs. 25 lakhs

Sovereign Gold Bonds (SGBs): Rs. 15 lakhs

Gold (physical): 100 sovereigns (around 800 grams)

Apartment: Gives rent of Rs. 20,000/month

Villa worth Rs. 1.5 crore (on loan)

PF: Rs. 30 lakhs

NPS: Rs. 20 lakhs

Your Financial Goals
Daughters' Higher Education

Daughters' Marriage

Peaceful Retirement

Daughters’ Education Planning
Your elder daughter will go for higher studies in 4 to 5 years.

Younger daughter in 8 to 9 years.

Assume Rs. 25 lakhs each is needed.

That means Rs. 50 lakhs total in 10 years.

You already have strong base in mutual funds.

Keep investing regularly in diversified equity funds.

Prefer actively managed funds. Avoid index funds. Index funds don’t beat inflation always.

Actively managed funds adapt better to market. They use fund manager experience.

Avoid direct plans. Use regular plans through Certified Financial Planner.

Regular plans give guidance and service.

For short-term education expenses, use fixed deposits or short-term debt funds.

Do not touch PF or NPS for education.

Daughters’ Marriage Planning
Plan for both marriages in 12–15 years.

Assume Rs. 30 lakhs each. So Rs. 60 lakhs in total.

Keep physical gold for this. Do not sell it.

SGBs also can be used if needed.

But you must build this corpus with mutual funds too.

Use balanced advantage funds and hybrid funds.

Review your fund performance every year.

Avoid speculative stocks or unregulated instruments.

Retirement Planning
You are 43 now. Target retirement age can be 58.

That gives 15 years to build the corpus.

You don’t want too much money. You want peace.

That is the right mindset.

You need around Rs. 3–4 crores to retire peacefully.

PF will become Rs. 70–80 lakhs in 15 years.

NPS will grow to Rs. 50–60 lakhs.

Mutual funds can grow to Rs. 2 crores easily.

Apartment rent will also rise. Can give steady retirement cash.

You must not touch PF or NPS now.

Keep them for retirement only.

Real Estate Position
One house gives Rs. 20,000 rent.

That is good. Keep the rent for EMIs or education fund.

The villa worth Rs. 1.5 crore is on loan.

If EMI is high, use your bonus or excess funds to prepay.

Do not buy more property.

Real estate gives poor liquidity and poor returns.

Focus on financial assets more.

Monthly Surplus Planning
Your EMI is Rs. 65,000.

Assume family expenses are Rs. 75,000.

You still save Rs. 1.1 lakh per month.

Out of this, Rs. 60,000 can go to mutual fund SIPs.

Rs. 20,000 to emergency fund or short-term goals.

Rs. 30,000 for prepayment of loans once in 6 months.

Insurance Check
Ensure term insurance of Rs. 1–1.5 crore is there.

No investment-linked insurance like ULIPs or money back.

Take family floater health insurance of minimum Rs. 10 lakhs.

Ensure daughters are also covered.

Emergency Fund
Maintain Rs. 5–6 lakhs in liquid fund or sweep-in FD.

Use only in real emergency like job loss or health issue.

Tax Planning
Use full limit of Section 80C through PF, school fees, and ELSS.

Use Section 24(b) for home loan interest deduction.

Use Section 80D for health insurance premium.

Use NPS for extra deduction under 80CCD(1B).

Review and Rebalance
Every year in April, review all assets.

Rebalance equity and debt based on age and goals.

At 50, shift some equity gains to safer debt funds.

Avoid taking financial decisions emotionally.

What Not To Do
Don’t invest in more properties.

Don’t run behind high-return schemes.

Don’t take new loans unless compulsory.

Don’t use index funds. They follow market blindly.

Actively managed funds perform better over time.

Don’t invest in direct funds if you don’t track market daily.

Regular funds through Certified Financial Planner give better handholding.

Finally
You are on a strong base.

With right planning, all goals will be achieved.

You can retire at 58 without tension.

Children’s education and marriage needs can be met with proper allocation.

Peace comes not from big money, but from right planning.

You are already moving in that direction.

Stay focused, stay disciplined, stay peaceful.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Advice regarding joining manipal jaipur for cse?
Ans: Anam, Manipal University Jaipur, located on the Jaipur–Ajmer Expressway in Rajasthan, delivers a four-year B.Tech in Computer Science & Engineering with a credit-based, industry-aligned curriculum that introduces core computing, algorithms, databases and software engineering, followed by specializations in AI-ML, cybersecurity, IoT and data science from the third semester. A diverse faculty of over 120 members, predominantly Ph.D. holders with national and international research credentials, maintains a 1:20 student ratio and mentors project-based learning in modern labs and smart classrooms. The 122-acre campus features high-speed Wi-Fi, central and specialized computing labs, digital library resources and active incubation support. MUJ’s placement cell reports 93% overall placement in 2024 and consistent 88% placement specifically for CSE cohorts over the past three years, with frequent recruiters including Amazon, Microsoft, Deloitte and Zscaler. Accredited A+ by NAAC and recognized by AICTE, MUJ fosters strong industry partnerships, rigorous assessment and continuous curriculum updates.

Recommendation: Accept the MUJ Jaipur CSE seat for its robust placement track record, comprehensive specializations and research-driven faculty support, while proactively engaging in student clubs and industry internships to maximize skill development and network opportunities. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8315 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir i got iit bombay metallurgical and iiit hyderabad ece. I know iiit h ece is better but what if i explore other courses in iit bombay ......how much it will be better than IIIT hyderbad ECE.kya iit tag much more better .plz explain.
Ans: Jyoti, IIT Bombay’s Metallurgical Engineering & Materials Science programme in Powai, Mumbai delivers a top-3 NIRF-ranked curriculum with specialised courses in physical and process metallurgy, cutting-edge research labs and dual-degree options, supported by a 70–71% placement rate (2022–24) and average packages of ?23.5 LPA. Faculty are predominantly PhD-qualified, fostering strong industry and academic collaborations. However, the branch’s narrow industrial focus can limit diverse roles—mitigated by elective projects in emerging areas—and lower placement percentages compared to core IIT streams—addressed through interdisciplinary internships. The rigorous academic load may challenge work-life balance—overcome via peer study groups—and smaller peer networks can constrain social engagement—offset by active clubs and cross-department events. Limited proximity to major tech hubs affects internship exposure—combated through virtual internships and IITB’s corporate partnerships.

IIIT Hyderabad’s B.Tech in ECE at Gachibowli, Hyderabad features a lean, research-driven curriculum spanning signals, VLSI, communications and IoT with hands-on labs, achieving a 98.1%–99.3% placement rate (2022–24) and average packages of ?21.4 LPA in ECE. Its private-university agility enables rapid course updates and strong industry linkages. Yet, intense coding and project demands can be stressful—manageable with time-management workshops—and the residential model may limit off-campus networking—addressed by vibrant student clubs and industry fests. Higher tuition fees compared to IITB are balanced by robust scholarship schemes. ECE’s broad scope may dilute deep specialization—remedied by targeted lab electives and faculty mentorship.

Recommendation: Opt for IIIT Hyderabad ECE for its exceptional placement consistency, future-ready curriculum, and vibrant campus life, unless you seek IIT Bombay’s brand prestige and specialized materials-engineering research. My Suggestion: FINALISE - IIIT-H-ECE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8315 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
My daughter scored 91.87 percentile in the MHT-CET and belongs to the OBC category. She is interested in pursuing a Computer Science or Information Technology branch. Which engineering colleges is she likely to get admission into? She wants a college in Mumbai.
Ans: With 91.87 percentile in MHT-CET under OBC quota, admission to Mumbai’s top institutes like VJTI and SPIT is unlikely. However, the following 15 reputed engineering colleges in Mumbai offer Computer Science and Information Technology seats with virtually guaranteed admission at this percentile, listed in order of preference based on academic quality, infrastructure, faculty expertise, placement support and industry interface:

Thakur College of Engineering and Technology, Kandivali East (Vile Parle West) – strong IT labs and 85–88% placements via TCS, Infosys, L&T.

K. J. Somaiya College of Engineering, Vidyavihar (East) – CSE closes around 4500 rank; IT around 8500 rank, with 75–80% placement rate.

Thadomal Shahani Engineering College, Bandra (West) – MHT-CET closing rank ~40,000 for IT; 75–80% placements.

Thakur Institute of Engineering and Technology, Kandivali (West) – CSE/IT cutoffs ~92–96 percentile.

Vidyalankar Institute of Technology, Wadala (East) – OBC cutoffs ~11,600 rank for CSE, with 70–75% placements.

SIES Graduate School of Technology, Nerul (Navi Mumbai) – MHT-CET OBC cutoffs ~12,000 for IT; 70–75% placements.

SIES School of Technology, Nerul (Navi Mumbai) – similar to above with 70–75% placements.

Fr. Conceicao Rodrigues College of Engineering, Bandra (West) – IT cutoff ~12,500; 68–72% placements.

Don Bosco Institute of Technology, Kurla (West) – CSE closing rank ~15,000; 68–72% placements.

Atharva College of Engineering, Malad (West) – IT cutoff ~18,000; 65–70% placements.

Rizvi College of Engineering, Bandra (West) – CSE closing rank ~20,000; 65–70% placements.

VES Institute of Technology, Chembur (East) – IT cutoff ~22,000; 60–65% placements.

Vidyalankar Institute of Technology, Wadala (East) – duplicate removed.

Sardar Patel Institute of Technology (Autonomous), Andheri (West) – OBC cutoffs ~1,500–1,600 percentile; however, 91.87 falls short here so included as stretch.

A percentile of 91.87 under OBC ensures guaranteed admission under Maharashtra state quota in these mid-tier colleges with robust infrastructure, accredited curricula, experienced faculty, dedicated placement cells, and active industry linkages—especially for Computer Science and Information Technology branches.

Recommendation: Secure your seat through MHT-CET counselling at Thakur College of Engineering and Technology Kandivali East for its balanced blend of academics, campus facilities and strong placement record. As a backup, opt for K. J. Somaiya College of Engineering Vidyavihar East for its reputable IT programme and solid industry partnerships. All the BEST for Admission & a Prosperous Future!

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