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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 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 - Jun 19, 2025
Money

Hello expert, I received 88 lakh from multiple insurance policies that matured unexpectedly over the last year. I don't have an urgent need for this money. I already invest 25,000 per month in mutual funds. I am earning 75,000 per month with home loan EMI of 18,000. I am 42, married and want to use this money to build long-term wealth and maybe retire by 55. What's the best way to use this lump sum without risking too much?

Ans: Receiving Rs. 88 lakh as a lump sum is a good opportunity.
You already have a solid base with mutual funds and manageable EMI.
Now let us create a step-by-step strategy for long-term wealth building.

You are 42, and your goal is to retire by 55.
This gives you a 13-year window to grow your money wisely.
Let’s now look at a 360-degree plan that matches your profile and risk comfort.

Understanding Your Present Financial Position
Age: 42

Monthly income: Rs. 75,000

Existing SIP: Rs. 25,000 in mutual funds

Home loan EMI: Rs. 18,000

Emergency need: None right now

Lump sum available: Rs. 88 lakh

Marital status: Married

Retirement goal: Age 55

Initial Observations:

Saving over 30% of your income is a healthy practice.

Home loan EMI is affordable compared to income.

Existing mutual fund SIP is a great start.

Lump sum can now give a boost to your retirement planning.

Step 1: Emergency Fund – Keep a Safety Buffer
You may not have mentioned emergency funds.
Still, it is very important to set it aside first.

Recommendations:

Set aside Rs. 3 to 6 lakh in fixed deposits or liquid mutual funds.

It should cover 6 months of expenses including EMI and SIPs.

This gives peace of mind in case of job loss or medical event.

Without this, you may be forced to withdraw from long-term investments.

Step 2: Insurance – Secure Before You Grow
Wealth growth starts after protection is in place.
Check your insurance cover before investing the balance.

Health Insurance:

Take individual or family floater health insurance of Rs. 10–15 lakh.

Employer-provided insurance is not dependable.

Take personal policy to ensure uninterrupted protection.

Term Life Insurance:

Check if you have adequate term life insurance.

Ideal cover = 15 to 20 times your annual income.

For you, that means at least Rs. 1 crore to Rs. 1.5 crore.

Take only pure term plan, no return plan.

If any insurance-cum-investment policy is held:

Evaluate surrender value and returns.

If returns are low, better to surrender and invest in mutual funds.

Only do this after term insurance is in place.

Step 3: Use a Phased Investment Approach
You should not invest full Rs. 88 lakh in one shot.
It may expose you to market timing risk.

Use a staggered approach over 18 to 24 months:

Park full amount in ultra short-term or liquid mutual funds.

Start a STP (Systematic Transfer Plan) into equity mutual funds.

Transfer Rs. 3–4 lakh per month for 2 years.

This gives better cost averaging and reduces volatility risk.
You don’t want to invest everything and see a sudden drop.

Step 4: Smart Asset Allocation for Long-Term Wealth
Since retirement is 13 years away, time is in your favour.
But you still need to avoid high risk.
So, asset allocation should balance growth and safety.

Ideal allocation based on your profile:

65% Equity Mutual Funds – For long-term growth

20% Hybrid Mutual Funds – To balance growth and stability

15% Debt Mutual Funds – For safety and steady returns

Detailed Plan:

Equity allocation should focus on large and flexi cap funds.

Avoid overexposure to mid or small cap funds.

Hybrid funds reduce shocks during market corrections.

Debt funds offer liquidity and lower risk.

Don’t use index funds here.

Why Actively Managed Funds Are Better:

Index funds have no fund manager strategy.

They follow the market blindly, even in downtrend.

Active funds can protect downside by changing exposure.

Skilled fund managers help reduce risk and enhance returns.

For retirement goal, active management works better.

Step 5: Avoid Direct Funds and Invest via Regular Plans
If you are investing directly into mutual funds, stop now.
Direct funds may look cheaper but are dangerous without advice.

Disadvantages of Direct Mutual Funds:

No professional help or asset allocation support

No monitoring, rebalancing or goal-mapping

Higher risk of wrong fund selection

Difficult to align funds to life goals

Why Regular Funds Through Certified Financial Planner Are Better:

A Certified Financial Planner helps with full financial roadmap

Keeps you disciplined during market ups and downs

Helps choose right mix of equity, hybrid and debt funds

Periodic review and rebalancing is done professionally

Emotional decisions are avoided

Wealth creation becomes focused and structured

Paying a small fee or commission is not a loss.
It is the cost of long-term confidence and guidance.

Step 6: Link Investments to Retirement Goal
Now that you have Rs. 88 lakh, define clear goals.

For Retirement by 55:

Estimate how much you will need post-retirement

Plan your SIPs and lump sum to reach that number

Include inflation in estimation

Ensure that some money is in safe assets

Avoid risky options like crypto, real estate, or unregulated chit funds

For Post Retirement Use:

Gradually shift funds from equity to debt after age 55

Build income stream using SWP (Systematic Withdrawal Plan)

Continue PPF contributions if not yet exhausted

Don’t withdraw lump sum unless absolutely needed

Step 7: Tax Planning on Mutual Fund Returns
New mutual fund taxation rules apply.

For equity mutual funds:

LTCG above Rs. 1.25 lakh taxed at 12.5%

STCG taxed at 20%

For debt mutual funds:

Both LTCG and STCG taxed as per your income slab

What you should do:

Use staggered redemptions to reduce tax impact

Use capital gains exemption limit smartly

Invest in growth option, not dividend

Plan withdrawals smartly post-retirement

Work with a Certified Financial Planner to optimise tax planning too.

Step 8: Keep Monitoring and Rebalancing
Investing once and forgetting it is not enough.
Your plan needs to be reviewed regularly.

Best practices:

Check performance every 6 to 12 months

Compare returns with goals

Rebalance if one asset class grows too big

Shift funds gradually as you near retirement

Avoid emotional reactions to market news

Stick to your plan. Be consistent and patient.
That is how wealth grows steadily.

Other Points to Keep in Mind
Don’t lend to friends or relatives from this amount

Avoid buying products that combine insurance and investments

Avoid real estate purchases for investment purpose

Don't chase high-return, unknown schemes

Maintain nomination and update will

Finally
You have a great starting point with Rs. 88 lakh in hand.
Your steady income and low EMI help even more.

With a careful and phased plan:

You can grow your money steadily

You can aim for early retirement at 55

You can enjoy financial freedom with low stress

The key is to:

Protect your downside

Stay invested long enough

Invest in right assets through the right channels

Keep reviewing with your Certified Financial Planner

This is not just about wealth creation.
It is about peace of mind and future security.
Now is the right time to act wisely.

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.
Money

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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

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

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I recently received 10 lakhs which was invested earlier. Currently i invest 18k in parag parekh flexi, 15k in Navi nifty50, 15k ICICI pru s&p index, 8k quant mid, 8 k quant small,8k Motilal Oswal mid, 8k Nippon India small, 12.5k elss quant, 7.5k gold, 20k debt. Will be doing this for next 20yrs. How do I put my lumpsum of 10lakhs in this? Should I bulk invest or slowly put money in to these over next 6 months
Ans: Congratulations on receiving the 10 lakhs! That's a great opportunity to boost your investments for the next 20 years. Here's a breakdown of the two approaches for your lump sum:

Bulk Invest:

Pros: Takes advantage of rupee-cost averaging. The market fluctuates, so by investing everything at once, you capture some units at potentially lower prices. It's also simpler to manage, requiring just one investment decision.
Cons: If the market takes a dip right after you invest, your entire sum goes in at a potentially higher price.
SIP over 6 Months:

Pros: Provides a form of averaging as you invest across different market conditions. Offers some peace of mind if you're concerned about market volatility.
Cons: Misses out on the potential benefit of rupee-cost averaging if the market trends upwards. Requires more discipline to consistently invest each month.
Choosing the Right Approach:

There's no one-size-fits-all answer. It depends on your risk tolerance:

Comfortable with some risk? A bulk investment might be suitable.
Prefer to spread the risk? Consider SIPs over 6 months.
Here's a suggestion: Talk to a certified financial planner. They can analyze your existing portfolio (diversified across equity, debt, and gold - that's good!) and risk profile to recommend the best way to deploy your lump sum. They can even suggest a hybrid approach, investing a portion upfront and the rest via SIPs.

Remember, you've got a long investment horizon of 20 years. Stay focused and make well-informed decisions to grow your wealth!

..Read more

Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 26, 2024

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I am 32 years old. My monthly income is 50 thousand. I have a lump sum of 50 lakhs. I want to build a house for myself. How should I use this lump sum money to get maximum benefit or what would be the best way?
Ans: let's delve into how you can best utilize your lump sum of Rs 50 lakhs to achieve your goal of building a house.

Assessing Your Financial Position
You're 32 years old with a monthly income of Rs 50,000 and a substantial lump sum of Rs 50 lakhs. Planning to use this amount wisely for a house is a prudent decision. Let's evaluate the best strategies for maximizing this sum.

Understanding Your Housing Needs
Building a house involves substantial financial commitment and planning. Here are key factors to consider:

Cost Estimation: Calculate the total cost of constructing your house, including land purchase, construction costs, permits, and additional expenses.

Timeline: Determine your timeline for building the house. Are you looking to start immediately, or is this a longer-term goal?

Location: Choose a location that fits your lifestyle needs and budget. Consider factors like proximity to work, amenities, and future growth potential.

Investment Strategies for Your Lump Sum
Given your goal of building a house, here are some strategic approaches to consider:

Short-Term Investments
Liquid Funds: Park a portion of your lump sum in liquid funds for short-term liquidity needs during the initial stages of house construction.

Fixed Deposits (FDs): FDs can provide stable returns with the flexibility of choosing different tenures based on your construction timeline.

Medium to Long-Term Investments
Debt Funds: Consider debt mutual funds for stable returns while maintaining liquidity. These funds invest in fixed-income securities like government bonds and corporate debentures.

Equity Funds: While higher risk, equity mutual funds can potentially offer higher returns over the long term. These funds invest in stocks of companies across various sectors.

Mitigating Risks
Diversification: Spread your investments across different asset classes to reduce risk. Balance between debt and equity based on your risk appetite and financial goals.

Emergency Fund: Maintain an emergency fund separate from your investment corpus to cover unexpected expenses during the house construction phase.

Tax Planning Considerations
Optimize your tax liabilities by utilizing tax-saving instruments like PPF, NPS, and tax-saving mutual funds. These investments can provide deductions under Section 80C of the Income Tax Act, enhancing your savings potential.

Building Your Dream House
Once your investments start yielding returns, you can progressively allocate funds towards:

Land Purchase: Secure a suitable plot based on your budget and location preference.

Construction Costs: Allocate funds for construction materials, labor costs, and other associated expenses.

Contingency Funds: Keep a buffer for unforeseen expenses that may arise during the construction phase.

Final Insights
Building a house is not just a financial decision but also an emotional investment in your future. By carefully planning your investments, diversifying across asset classes, and maintaining financial discipline, you can achieve your goal of owning a home without compromising your financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 19, 2024Hindi
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Money
Hello sir, my age is 35yrs , i work in PSU, i earn 60k net take home. recently i received an amount of 14lakhs from post office RD, i have two daughters aged 7yrs n 7 months . I wanted to invest the above amount in right manner, long term for my children n my retirement purpose. Kindly guide me a plan how to divide the lumpsum so that atleast a portion of my goals like children's education, marriage, my post retirement life in future be attended.
Ans: Current Financial Overview
Age: 35 years
Profession: PSU employee
Net Take Home Salary: Rs 60,000
Recent Lump Sum: Rs 14 lakhs from post office RD
Daughters: Aged 7 years and 7 months
Financial Goals
Children’s Education and Marriage
Retirement Planning
Investment Strategy
Emergency Fund
Allocation: Rs 1 lakh
Purpose: To cover unforeseen expenses and emergencies.
Investment Options: Liquid mutual funds or high-interest savings accounts.
Children’s Education and Marriage
Allocation: Rs 7 lakhs
Purpose: Long-term growth for children’s education and marriage expenses.
Investment Options: Diversified mutual funds.
Suggested Funds Allocation
Equity Mutual Funds: Rs 4.5 lakhs
These funds offer high growth potential over the long term.
Select large-cap, mid-cap, and flexi-cap funds for diversification.
Debt Mutual Funds: Rs 2.5 lakhs
These funds provide stability and lower risk.
Consider short-term and ultra-short-term debt funds.
Retirement Planning
Allocation: Rs 6 lakhs
Purpose: Building a retirement corpus.
Investment Options: Mix of mutual funds and PPF.
Suggested Funds Allocation
Equity Mutual Funds: Rs 4 lakhs
Focus on multi-cap and balanced advantage funds.
These funds balance risk and return, suitable for long-term growth.
PPF (Public Provident Fund): Rs 2 lakhs
Offers tax benefits under Section 80C.
Safe and long-term investment with attractive interest rates.
Additional Considerations
SIP for Regular Investments
Monthly SIP: Rs 10,000
Allocation:
Rs 3,000 in large-cap equity fund
Rs 3,000 in mid-cap equity fund
Rs 2,000 in hybrid fund
Rs 2,000 in debt fund
Insurance Coverage
Life Insurance: Ensure adequate term insurance coverage.
Sum assured should be at least 10-15 times your annual income.
Health Insurance: Comprehensive health insurance for the entire family.
Cover for critical illnesses and hospitalization.
Review and Rebalance
Regular Monitoring: Review your investments annually.
Rebalance Portfolio: Adjust allocations based on market conditions and financial goals.
Final Insights
Diversify Investments: Spread investments across various asset classes to reduce risk.
Long-Term Focus: Keep a long-term perspective for higher returns.
Regular Contributions: Consistent SIPs help in building a substantial corpus over time.
Stay Informed: Keep abreast of market trends and adjust your portfolio accordingly.
By following this comprehensive plan, you can achieve your financial goals, ensuring a secure future for your children and a comfortable retirement for yourself.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 31, 2025

Asked by Anonymous - May 31, 2025
Money
Sir, I am 57 years old and working in a private company with salary of Rs.81,000/month. I have purchased three Max life life gain-20 policy insurances each with Rs. 50000 premiums for 6 years pay (Total Rs.9 Lakhs) (2012-2018). Purchased policy of one-time lumpsum LIC Jeevan shanti pension plan for Rs.10 Lakhs and the 1st annuity payment of Rs. 10,054/month starts from year 2029. Also invested Rs. 8 Lakhs in Post office pension plan of 5 years which I am continuing it every 5 years where i get nearly Rs.5000/month. I have one more Max life guaranteed monthly income plan of 6 pay premium of 1,15,458/year which is completed in 2018 and started getting pension for first five years Rs.5000/month and then from 6th year getting Rs.9400/month pension. It will end in 2029. Now I have purchased in HDFC Guaranteed Pension Plan for Rs. 10 Lakhs for 5 five years with premium of Rs.2 Lakhs per year where I have paid 1st premium in 2024. This will give annuity of Rs. 94,599/year i.e, Rs.7883/month after 6 years (year 2029 onwards). I have FDs of Rs. 21 Lakhs which I am renewing it every year which I cannot touch as it is meant for my 2 children. My monthly expenditure is Rs.35,000 since I am staying small city. Please suggest me how can I manage to get a monthly pension of Rs. 40,000 when I quit the job at the age 61 (year 2029). Thank you
Ans: You have made many thoughtful financial decisions. Let us now work together to align your investments to ensure a regular income of Rs. 40,000 per month from age 61 (year 2029).

Here is a 360-degree detailed plan structured under clear sub-headings, as per your request.

 
1. Understanding Your Current Situation

Your age is 57. You have 4 more working years.

 

Your current income is Rs. 81,000 per month.

 

Your monthly expenses are Rs. 35,000. You are financially disciplined.

 

You already have pension sources planned post-2029.

 

You do not want to touch your Rs. 21 lakh FD corpus. It is for your children.

 

Your goal is to generate Rs. 40,000/month from age 61. You seek certainty and consistency.

 

You have invested in both insurance and pension products. Most are non-market linked.

 
2. Summary of Pension Flows from 2029

Let’s break down what income you are expected to receive starting 2029:

 

LIC annuity: Rs. 10,054 per month

 

Post Office pension: Rs. 5,000 per month (if continued)

 

Max Life Guaranteed Monthly Income Plan: Rs. 9,400 per month (till 2029, so not helpful after)

 

HDFC Pension Plan: Rs. 7,883 per month

 

Total confirmed pension starting 2029: Rs. 22,937 per month

 

Gap to reach Rs. 40,000 per month: Rs. 17,000 approx.

 
So, we need to plan how to fill this Rs. 17,000 shortfall.

 
3. Insurance Policies Review

You have 3 traditional Max Life Life Gain-20 plans. Total premium: Rs. 9 lakhs.

 

These are low return, low flexibility products.

 

They are mostly insurance-cum-investment products.

 

Such plans yield 4% to 5% returns over long term. Not ideal for income generation.

 
Suggestion: You have already completed all premiums. It is not advisable to surrender them now. You can wait for maturity. Then, reinvest maturity amount in mutual funds for monthly income.

 
4. Gaps in Income from 2029

Let us now build strategy to generate extra Rs. 17,000 per month post 2029.

 

You have 4 more years before retirement. These are crucial for wealth building.

 

Let us identify available surplus each month. Your income is Rs. 81,000. Expenses are Rs. 35,000.

 

That gives you Rs. 46,000 monthly surplus.

 

From this, set aside some amount for emergency fund and health cover.

 

You can still invest Rs. 30,000 per month comfortably.

 

This amount can be channelised into high-growth investments.

 
5. Investment Strategy Before Retirement

The focus is to build an income-generating portfolio.

 

Allocate Rs. 30,000 per month into equity mutual funds.

 

Prefer actively managed mutual funds. Avoid index funds. Index funds are average performers.

 

Actively managed funds give flexibility and can outperform index. Especially with expert guidance.

 

Invest through regular plans with support of a Mutual Fund Distributor who is also a Certified Financial Planner.

 

Regular plans offer ongoing tracking and guidance. Direct funds lack personalised service.

 

At this age, you need guidance more than saving few rupees on commissions.

 

Use combination of Large Cap, Flexi Cap and Balanced Advantage Funds.

 

These funds suit your risk profile and retirement timeline.

 

Continue SIPs till 2029. Build corpus.

 

From 2029, use SWP (Systematic Withdrawal Plan) for monthly income.

 

This can generate the extra Rs. 17,000 you need.

 
6. SWP Strategy for Post-Retirement Income

SWP (Systematic Withdrawal Plan) is ideal for retirement income.

 

You can redeem small fixed amounts monthly.

 

Your money remains invested and continues to grow.

 

This provides regular income + capital appreciation.

 

SWP is more tax-efficient than interest income.

 

With mutual fund taxation, long-term capital gains up to Rs. 1.25 lakh is tax-free.

 

Above this limit, taxed at only 12.5%.

 

Plan withdrawals in such a way to remain tax-efficient.

 

This gives much better returns than traditional pension plans.

 
7. FDs for Children – Do Not Touch

You have Rs. 21 lakhs in FDs for children. This is a wise allocation.

 

Do not disturb this amount.

 

Just keep renewing annually.

 

If needed, reinvest maturity into debt mutual funds for better returns.

 

But ensure the capital remains safe.

 
8. Other Points to Consider

Review health insurance. Ensure Rs. 10 lakh individual health cover.

 

Also have Rs. 25 lakh family floater cover if dependents exist.

 

Medical costs rise faster than inflation. Health cover is crucial.

 

Keep emergency fund of Rs. 2 lakhs in savings account or liquid funds.

 

Avoid new insurance policies. Focus on wealth creation, not insurance.

 

Avoid annuity products. They offer low returns and lack flexibility.

 

Annuities are taxed fully. Mutual funds are more tax-friendly.

 
9. Timeline and Action Plan

From 2025 to 2029:

 

Invest Rs. 30,000 per month in mutual funds.

 

Review portfolio every 6 months with Certified Financial Planner.

 

Avoid investing in new endowment or pension plans.

 

Build corpus of at least Rs. 22 lakhs to generate Rs. 17,000 monthly post 2029.

 
From 2029 onwards:

 

Use pension income from LIC, Post Office, HDFC plan.

 

Use SWP from mutual fund corpus to get additional Rs. 17,000 per month.

 

Review income annually. Adjust SWP amount as per inflation.

 
10. Asset Allocation Recommendation

Ideal mix for your age and goals:

 

50% Equity Mutual Funds (growth + income via SWP)

 

30% Pension sources (LIC, HDFC, PO schemes)

 

20% Emergency and FD funds (untouched)

 
11. Retirement Income Taxation Insight

Annuity income is fully taxable.

 

SWP income is tax-efficient. Long term capital gains up to Rs. 1.25 lakh is tax-free.

 

Income from mutual funds can be managed to stay within tax slabs.

 

FDs also fully taxable. Use cautiously.

 
12. Final Insights

You are on the right track. You have created solid pension base.

 

Only gap is Rs. 17,000 per month from 2029.

 

This gap can be filled by building equity mutual fund portfolio in next 4 years.

 

Mutual funds offer growth, flexibility and tax-efficiency.

 

Avoid further insurance products. They are not meant for income generation.

 

Track expenses post retirement. Adjust lifestyle if needed.

 

Review investments annually with Certified Financial Planner.

 

Do not go for risky products or unregulated schemes.

 

Stay disciplined. Follow the plan. You will reach your goal peacefully.

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

..Read more

Latest Questions
Radheshyam

Radheshyam Zanwar  |5298 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jul 13, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Career
I have got CS core in VIT Vellore. I know many VITians who are doing much better professionally than some of their IIT/NIT counterparts. VIT CS labs are very advanced, I have heard. Many 98+percentilers in JEE Mains are in VIT CS. Placements are good. Despite this why is there a general notion that if an institute is private (barring BITS) it's not as good as a govt. institute.
Ans: Hello dear.
You're right to question the common perception, and your insights about VIT Vellore’s CS program are grounded in reality. The Computer Science department at VIT Vellore is among the strongest in private engineering colleges, with advanced lab facilities. Many top JEE Main percentilers (even above 98) choose VIT. Several VITians have gone on to have excellent careers, sometimes even outperforming their IIT/NIT counterparts largely because of their individual initiative, internships, and skill-building. IT, especially if they narrowly miss out on NITs or prefer the modern infrastructure and course flexibility that VIT offers.
Despite these strengths, private colleges in India often face bias. This stems from the legacy and prestige of government institutions like IITs/NITs, which admit students through highly competitive exams and are seen as more merit-driven. In contrast, private colleges are sometimes viewed as less rigorous or overly reliant on high fees and donations, leading to skepticism about their quality.
However, this perception is slowly changing, especially in CS and tech fields where practical skills matter more than college branding. For motivated students, VIT CS offers a strong foundation and the opportunity to build a successful career. Ultimately, outcomes depend more on individual effort than the institution’s name.

Good luck.
Follow me if you receive this reply.
Radheshyam

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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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