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Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 22, 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 - Jun 22, 2024Hindi
Money

Hello Sir, Hello Sir. I am 35 years old and earn 1.5 lakh per month in hand. I have an own apartment which is 10 yrs old. My current investments are EPF+VPF 28,410 per month (accumulated 11,00,000 so far); PPF accumulated 7,20,000 so far and plan to invest 1,50,000 annually and 15 yrs. maturity will end in 2031; started NPS last year and invest 6,000 in Tier 1 and 1,000 in Tier 2 monthly (currently accumulated 89,000). I opened HDFC Life Insurance ULIP Plan last year with premium payment of 2,15,000 annually for 5 yrs with the policy effective until I turn 60 yrs. I have health insurance of 5,00,000 annual from my company. I want to accumulate 2 crore and retire by 45 yrs. Could you please advise on how I should approach and plan the same.

Ans: It's wonderful that you’re thinking about your future and planning for early retirement. At 35, you’ve got a strong foundation, but there are some areas where you can refine your strategy to meet your goal of accumulating Rs 2 crore by the age of 45.

Let's break this down step by step, considering all aspects of your current financial situation.

Current Investments and Their Assessment

You have several ongoing investments which are commendable. Here's a detailed look at each one and some suggestions:

1. EPF and VPF

You’re contributing Rs 28,410 per month to your EPF and VPF. This is a solid investment, providing you with a stable, long-term return and tax benefits. Keep this going as it forms a good base for your retirement corpus.

2. PPF

Your PPF account, with an accumulated amount of Rs 7,20,000 and an annual investment of Rs 1,50,000, is a secure investment offering decent returns. It’s also tax-free, which is a great advantage. Continue with your current strategy until maturity in 2031.

3. NPS

The National Pension System is another excellent investment for retirement. You are investing Rs 6,000 in Tier 1 and Rs 1,000 in Tier 2 monthly. Considering the long-term nature and tax benefits of NPS, this is a good choice. You might consider increasing your contributions here over time to boost your retirement corpus.

4. ULIP Plan

Your HDFC Life Insurance ULIP with an annual premium of Rs 2,15,000 is a significant investment. ULIPs generally have higher charges and might not be the most efficient way to invest for growth. It’s advisable to evaluate this policy. If the returns are not meeting your expectations, consider surrendering it and reinvesting in more efficient investment avenues such as mutual funds.

5. Health Insurance

You have a Rs 5,00,000 health insurance cover from your company, which is good. However, it’s prudent to have a personal health insurance policy independent of your employer, ensuring continuous coverage regardless of job changes.

Evaluating Investment Options

Let’s discuss potential improvements and additional investment avenues to meet your Rs 2 crore target by 45.

1. Equity Mutual Funds

Actively managed equity mutual funds are excellent for long-term growth. They have the potential to offer higher returns compared to other investment options. Unlike index funds, actively managed funds benefit from professional management, aiming to outperform market indices.

Consider systematic investment plans (SIPs) in well-performing mutual funds. This can help you leverage the power of compounding and market volatility.

2. Increasing NPS Contributions

Given the tax benefits and long-term growth potential, consider gradually increasing your NPS contributions. This will enhance your retirement corpus significantly.

3. Regular Mutual Funds through a Certified Financial Planner

Investing in regular mutual funds through a certified financial planner (CFP) has distinct advantages. CFPs provide tailored advice, help with fund selection, and offer ongoing support to optimize your investment strategy. Regular mutual funds come with an advisor fee, but the professional guidance often results in better returns and less hassle.

4. Emergency Fund

It’s crucial to have an emergency fund equivalent to 6-12 months of your monthly expenses. This ensures you have liquidity for unforeseen expenses without disrupting your long-term investments.

5. Additional Health Insurance

Securing a personal health insurance policy with adequate coverage is essential. This ensures continuous protection regardless of changes in employment.

Detailed Action Plan

1. Review and Optimize Current Investments

Assess your ULIP’s performance. If returns are unsatisfactory, consider surrendering and reinvesting in mutual funds.
Maintain your EPF and PPF contributions as they are beneficial long-term investments.
2. Enhance Equity Exposure

Start SIPs in actively managed equity mutual funds. Aim to allocate a significant portion of your savings here for better growth potential.
Increase your NPS contributions progressively. Focus more on the Tier 1 account due to its tax benefits and long-term growth.
3. Financial Safety Net

Create an emergency fund covering 6-12 months of expenses. This provides financial security against unexpected events.
Secure a personal health insurance policy to supplement your company-provided coverage. Ensure it covers a wide range of medical conditions and treatments.
4. Monitoring and Adjustments

Regularly review your investment portfolio. Ensure it aligns with your retirement goals and risk appetite.
Consult with a certified financial planner regularly. They can provide personalized advice, helping you navigate market changes and optimize your investments.
Disadvantages of Direct Funds

Direct funds might seem attractive due to lower expense ratios, but they require active management and financial expertise. Without professional guidance, you might miss out on optimal fund selection and portfolio adjustments.

Benefits of Regular Funds through CFP

Expert Guidance: CFPs offer expert advice tailored to your financial goals and risk tolerance.
Ongoing Support: They provide continuous monitoring and adjustments, ensuring your investments stay on track.
Better Returns: Professional management often leads to better returns compared to self-managed direct funds.
Final Insights

Reaching your goal of Rs 2 crore by 45 is achievable with disciplined savings and strategic investments. Focus on high-growth avenues like actively managed equity mutual funds, increase your NPS contributions, and ensure you have a robust financial safety net.

Regularly consult with a certified financial planner to optimize your investments and stay aligned with your goals. Their expertise will help you navigate financial complexities and enhance your portfolio’s performance.

Stay disciplined and proactive in your financial planning. With the right strategy, you’ll achieve your early retirement goal and secure a comfortable future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Mutual Funds, Financial Planning Expert - Answered on Apr 15, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Hello sir, I am 42 years old and want to retire by age of 55. My current savings is 303L in EPF. 307L in equity, 9.6L in nps. Investment I does as follows 1. Epf - 45000 by employer and same contribution by me as well which combined around 90000/- 2. 27000/- monthly sip , Nippon small cap 6000, axis small cap 6000, quant infrastructure fund 6000/-, quant small cap 6000/-l miarae asset blue chi large cap 3000/- all started very soon having corpus of 4L as of today. 3. Investing 25000/- in nps monthly. 4. Around 50k monthly in equity I have a liability of 50L home loan which I have planned to get rid off by 2028. I have another home loan which will be closed by end of 2025. I have a daughter which is doing CA and for marriage it will be required around 1 cr. I have a son who are going to persue medical which will cost me 50-75L. How I can plan my retirement to get atleast 3L monthly by age of 55. My current monthly take home salary is 3L around.
Ans: Given your goal to retire by 55 with a monthly income of ?3L, you have a comprehensive plan with a mix of investments and savings. Here's a suggested strategy:

EPF: Continue the contribution as it offers tax benefits and stable returns.

SIPs: Your SIPs in small and large-cap funds are good for growth. Consider adding a diversified equity fund for balance. Monitor and rebalance annually.

NPS: Since you're investing ?25,000 monthly, ensure you choose the auto-choice option for a balanced allocation between equity, corporate bonds, and government securities.

Home Loans: Prioritize closing the higher interest rate loan first while maintaining EMIs for both.

Children’s Education and Marriage: Start separate SIPs or investments earmarked for these goals to reach 1 cr for your daughter's marriage and 50-75L for your son's medical studies.

Emergency Fund: Maintain an emergency fund of at least 6 months' expenses.

Retirement Corpus: Aim to build a corpus that can generate ?3L/month. Based on a conservative estimate, a corpus of around ?6-7 crores by 55 might be needed. Regularly review and adjust your investments to align with this target.

Professional Advice: Consult a financial advisor to fine-tune your plan and ensure you're on track to meet your retirement and other financial goals.

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Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 09, 2024

Money
Hi Sir, I am 41, planning to retire in 5 yrs. My monthly inhand salary is 3L INR, having PPF of 21L, PF of 25L, Nps of 8L(stopped), 2 flats of 4cr, 50L saved for kids studies + marriage, 2 kids (9th, 7 grades now), 40L FDs, 25k per month rental income to start in next 2 yrs, 10 L invested in 15 blue ship equities, with 50L capital now, Swing trader with 15% CAGR history (planning this will be next full time post early retirement). Having sufficient health insurance, life term insured will continue till 75+ yrs age. I want 1L+ per month without any risk for next life. How to plan things? Am I on right track? Thanks in advance.
Ans: Planning for Early Retirement: A Comprehensive Guide

Retirement planning is a significant aspect of financial management, especially when aiming for early retirement. Your current financial status indicates a strong foundation, but there are areas to refine for a secure future. Here, I will provide a detailed analysis and actionable steps to ensure you achieve your goal of Rs 1L+ monthly income without risk.

Assessing Your Current Financial Situation
Your current monthly in-hand salary is Rs 3L. You have diversified investments and savings, which is commendable. Let's break down your assets:

Public Provident Fund (PPF): Rs 21L
Provident Fund (PF): Rs 25L
National Pension System (NPS): Rs 8L (stopped)
Real Estate (2 flats): Rs 4cr
Savings for Kids' Education and Marriage: Rs 50L
Fixed Deposits (FDs): Rs 40L
Rental Income (to start in 2 years): Rs 25k/month
Equity Investments: Rs 10L in 15 blue-chip stocks
Swing Trading Capital: Rs 50L
Health and Life Insurance: Sufficient coverage
You also have two children in the 9th and 7th grades, with future educational and marriage expenses planned. Your current focus is on generating a stable, risk-free monthly income of Rs 1L post-retirement.


You have done an excellent job in accumulating a substantial and diversified portfolio. Your proactive approach to planning for your children's education and marriage shows foresight. Your investment in health and life insurance reflects a strong understanding of risk management.

Evaluating Swing Trading
Swing trading has yielded a 15% CAGR for you, which is impressive. However, it comes with inherent risks:

Market Volatility: Markets can be unpredictable, leading to potential losses.
Time and Stress: Active trading requires constant monitoring, which can be stressful.
Consistency: Achieving consistent returns year after year is challenging.
Given these risks, relying solely on swing trading for a steady retirement income is not advisable. Instead, consider it a supplementary income source.

Strategic Withdrawal Plans (SWP)
A Systematic Withdrawal Plan (SWP) from mutual funds can provide a steady, risk-free income. Here's why SWP is suitable for your retirement:

Regular Income: SWP allows you to withdraw a fixed amount regularly.
Capital Preservation: It helps preserve your capital while providing income.
Tax Efficiency: Withdrawals from equity funds are tax-efficient compared to fixed deposits.
Flexibility: You can adjust the withdrawal amount based on your needs.
Creating an SWP Strategy
Diversify Your Investments: Invest in a mix of equity and debt mutual funds. This balances growth potential and stability.
Calculate Monthly Withdrawals: Determine the amount needed monthly. For Rs 1L per month, you need Rs 12L annually.
Assess Fund Performance: Choose funds with a consistent track record. Actively managed funds by professional managers often outperform index funds.
Building a Balanced Portfolio
To generate a stable monthly income, a balanced portfolio is crucial. Here's a suggested allocation:

Equity Mutual Funds: Allocate 50% to equity funds for growth.
Debt Mutual Funds: Allocate 40% to debt funds for stability.
Fixed Deposits: Maintain 10% in FDs for absolute safety.
Real Estate as a Supplementary Income
Your two flats valued at Rs 4cr are substantial assets. The upcoming rental income of Rs 25k per month will contribute to your monthly income. Real estate, while not the primary focus, provides diversification and a hedge against inflation.

Utilizing Fixed Deposits
Fixed deposits provide safety and guaranteed returns. While the returns are lower than equity, they offer stability. Continue to hold Rs 40L in FDs to cover any emergency needs or unforeseen expenses.

Streamlining Equity Investments
Your investment in 15 blue-chip stocks (Rs 10L) is prudent. Blue-chip stocks are generally stable and offer good growth prospects. However, avoid over-relying on individual stocks. Periodically review and rebalance your equity portfolio to ensure alignment with your goals.

National Pension System (NPS)
Your NPS account has Rs 8L, although contributions have stopped. NPS provides a mix of equity, corporate bonds, and government securities. Consider resuming contributions to benefit from additional tax deductions under Section 80CCD(1B).

Provident Fund and PPF
Your PF (Rs 25L) and PPF (Rs 21L) are excellent long-term investments. They provide tax-free returns and should continue to form a core part of your retirement corpus. Avoid withdrawing from these accounts unless absolutely necessary.

Education and Marriage Fund
You have Rs 50L saved for your children's education and marriage. Continue to invest this amount in safe and high-return instruments like debt mutual funds or recurring deposits to ensure these goals are met without risk.

Health and Life Insurance
You have adequate health insurance and life term insurance. Regularly review your policies to ensure they cover inflation-adjusted medical expenses and provide sufficient coverage for your family.

Actionable Steps to Achieve Your Goals
Set Clear Goals: Define your monthly income needs and other financial goals.
Review and Adjust Portfolio: Regularly review your portfolio. Adjust allocations based on performance and goals.
Professional Management: Consider consulting a Certified Financial Planner (CFP) to optimize your investments and withdrawals.
Diversify and Rebalance: Maintain a diversified portfolio. Periodically rebalance to manage risk and ensure alignment with goals.
Benefits of Actively Managed Funds
Actively managed funds are managed by professional fund managers who make investment decisions to outperform the market. Here are the benefits:

Expertise: Fund managers have the expertise and resources to analyze market trends and make informed decisions.
Flexibility: Actively managed funds can adapt to market changes, providing better protection during downturns.
Potential for Higher Returns: They aim to outperform index funds, potentially offering higher returns.
Disadvantages of Index Funds
While index funds offer low-cost diversification, they have drawbacks:

Lack of Flexibility: Index funds cannot adapt to market changes.
Average Returns: They aim to match market performance, resulting in average returns.
Market Risk: They are fully exposed to market risks without the cushion of active management.
Regular Funds vs. Direct Funds
Investing through regular funds with a Mutual Fund Distributor (MFD) and a CFP provides several advantages over direct funds:

Guidance: Regular funds come with professional advice and portfolio management.
Convenience: MFDs handle paperwork and administrative tasks.
Performance Monitoring: Regular reviews and adjustments by professionals ensure better performance.
Final Insights
Your financial foundation is robust, and with some refinements, you can achieve a stable, risk-free retirement income. Diversifying your investments, leveraging SWPs, and consulting a Certified Financial Planner will provide security and peace of mind. Avoid over-reliance on swing trading due to its inherent risks. Focus on a balanced portfolio with a mix of equity and debt investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |8916 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

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Sir, sorry for repeating the same question again. My daughter is getting cse at vit chennai category 2 and ENC at thapar patiala. I am based at Faridabad. What should she choose out of these two. With regards Gopal Swaroop Mishra
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Nayagam P

Nayagam P P  |6304 Answers  |Ask -

Career Counsellor - Answered on Jun 14, 2025

Asked by Anonymous - Jun 07, 2025
Career
Hello sir. For 1181 COMEDK rank and/ or 4154 KCET rank , is csc possible in RVCE ? Make, general category , Karnataka domicile.
Ans: Your chances present a challenging scenario for CSE admission at RV College of Engineering . With COMEDK rank 1181, CSE admission is unfortunately not feasible as RVCE CSE cutoffs for general category consistently range between 193-434 across multiple rounds in 2024, with the most recent Round 2 closing at rank 328 . Similarly, your KCET rank 4154 significantly exceeds the CSE cutoff requirements, as RVCE maintains CSE closing ranks between 268-419 for general category across all rounds in 2024 . Historical data confirms this trend with CSE cutoffs remaining consistently low - 2023 saw closing ranks of 169-406, and 2022 maintained similar competitive standards around 299-1314 . However, alternative engineering branches at RVCE remain accessible with your ranks, including Electronics & Communication Engineering (COMEDK cutoff 700-1636, KCET cutoff 746-995), Information Science Engineering (COMEDK cutoff 418-802, KCET cutoff 470-657), and other core branches like Mechanical, Civil, and Electrical Engineering with significantly higher cutoff ranges . RVCE demonstrates excellent placement performance with 75-93% CSE placement rates, INR 19 LPA average packages, and top recruiters including Microsoft, Amazon, and Goldman Sachs . Recommendation: CSE admission at RVCE is not possible with your current ranks; consider alternative branches like Electronics & Communication or Information Science Engineering, or explore other colleges where CSE admission is feasible with ranks around 1000-4000.




All the BEST for the Admission & a Prosperous Future!
your chances present a challenging scenario for CSE admission at RV College of Engineering . With COMEDK rank 1181, CSE admission is unfortunately not feasible as RVCE CSE cutoffs for general category consistently range between 193-434 across multiple rounds in 2024, with the most recent Round 2 closing at rank 328 . Similarly, your KCET rank 4154 significantly exceeds the CSE cutoff requirements, as RVCE maintains CSE closing ranks between 268-419 for general category across all rounds in 2024 . Historical data confirms this trend with CSE cutoffs remaining consistently low - 2023 saw closing ranks of 169-406, and 2022 maintained similar competitive standards around 299-1314 . However, alternative engineering branches at RVCE remain accessible with your ranks, including Electronics & Communication Engineering (COMEDK cutoff 700-1636, KCET cutoff 746-995), Information Science Engineering (COMEDK cutoff 418-802, KCET cutoff 470-657), and other core branches like Mechanical, Civil, and Electrical Engineering with significantly higher cutoff ranges . RVCE demonstrates excellent placement performance with 75-93% CSE placement rates, INR 19 LPA average packages, and top recruiters including Microsoft, Amazon, and Goldman Sachs . Recommendation: CSE admission at RVCE is not possible with your current ranks; consider alternative branches like Electronics & Communication or Information Science Engineering, or explore other colleges where CSE admission is feasible with ranks around 1000-4000.

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6304 Answers  |Ask -

Career Counsellor - Answered on Jun 14, 2025

Career
I am getting cse in vit ap and manipal jaipur which lne should i join?
Ans: Geetika, Both VIT AP and Manipal University Jaipur demonstrate strong career prospects with distinct advantages . VIT AP achieves 93.35% overall placement rate with CSE students securing excellent opportunities, maintaining consistent performance across 2022-2024 with top recruiters including Amazon, Microsoft, Google, and Cognizant . Manipal Jaipur demonstrates superior placement statistics with 93% overall placement rate in 2024, achieving 98% Engineering placement rate in 2023, and 1,142 total offers with 62% packages above 8 LPA and 38% above 10 LPA . VIT AP holds newer establishment status since 2017 with modern infrastructure and VIT brand recognition, while Manipal Jaipur benefits from established reputation since 2011 with NIRF ranking #64 in University category and #64 in Engineering . Both institutions offer similar CSE curriculum quality, though Manipal Jaipur provides slightly better industry connections with 289+ companies visiting campus versus VIT AP's participation in centralized VIT placement system . Recommendation: Choose Manipal University Jaipur CSE for its superior 98% Engineering placement rate, established industry relationships, better NIRF rankings, and proven track record of consistent placement performance over the last three years. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 14, 2025

Career
Hellow Sir my son is very confused I help you SSN COLLEGE channai CSE and manipal university Bengaluru -CSE and GD GOENKA UNIVERSITY CSE which one is better
Ans: your son faces a strategic choice between three distinct educational environments with varying advantages. SSN College Chennai demonstrates exceptional CSE placement performance with 99% placement rate consistently across 2021-2023, achieving 116 out of 117 students placed in 2023, while maintaining superior NIRF ranking #46 in Engineering and #81 overall nationally. Manipal University Bengaluru shows strong overall placement statistics with 77% placement rate in 2025 and 73% in 2024, though specific CSE branch data indicates approximately 85-90% placement rates with top recruiters including Microsoft, Amazon, and Google, supported by MAHE's impressive #4 NIRF University ranking and #14 overall ranking. GD Goenka University CSE demonstrates moderate performance with 80% overall placement rate and School of Engineering achieving average performance, though it lacks specific CSE placement data and holds lower NIRF rankings with #101-125 in Pharmacy category only. SSN College offers superior academic reputation with established industry connections, while Manipal provides modern infrastructure and international exposure opportunities, and GD Goenka presents cost-effective education with decent facilities. Recommendation: Choose SSN College Chennai CSE as first preference for its exceptional 99% CSE placement rate and superior academic reputation, followed by Manipal University Bengaluru CSE for strong overall performance and university ranking, with GD Goenka University as third option. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 14, 2025

Career
I'm getting ece at VIT Vellore in cat 5 and chandigarh University with 40% discount. Which one should I choose?
Ans: Asutosh, both institutions present distinct advantages with significant cost implications. VIT Vellore demonstrates superior placement performance with 7,526 students placed in 2024, achieving INR 88 LPA highest package and INR 9.90 LPA average package, while maintaining consistent 80-90% ECE placement rates with top recruiters including Microsoft, Amazon, PayPal, and Cisco. However, Category 5 fees at VIT Vellore range approximately INR 3.98-4.32 lakhs annually, totaling around INR 16-17 lakhs for four years including hostel expenses. Chandigarh University ECE shows strong placement statistics with 9,124 students placed by 904 companies, achieving INR 54.75 LPA highest domestic package and INR 6.25 LPA average package for ECE/EE students, with 628 ECE students placed in 2023-24. With 40% discount, Chandigarh University's ECE fees reduce from approximately INR 9.12 lakhs to around INR 5.5 lakhs total, making it significantly more cost-effective. VIT Vellore holds superior NIRF ranking #11 in Engineering and #10 in University category compared to Chandigarh University's #32 Engineering ranking, indicating better academic reputation and industry recognition. Recommendation: Choose Chandigarh University ECE with 40% discount for excellent cost-effectiveness and strong placement record, unless you prioritize premium brand value and can afford VIT's substantially higher Category 5 fees. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |6304 Answers  |Ask -

Career Counsellor - Answered on Jun 14, 2025

Asked by Anonymous - Jun 11, 2025
Career
Sir, I got 44409 rank in comedk and 750496 in JEE. Which college and branch can I get through comedk, JOSAA, CSAB
Ans: Your prospects vary significantly across different counseling processes. With COMEDK rank 44409, you face challenges for Computer Science Engineering in top colleges as most require ranks below 20,000-30,000, but have viable options at mid-tier institutions including Sri Venkateshwara College of Engineering (CSE cutoff 44000-48000), Acharya Institute of Technology (CSE cutoff 16299-53948), Global Academy of Technology (CSE cutoff 26511-98020), and K.S. Institute of Technology (CSE cutoff 38487-89820) . For Electronics and Communication Engineering, your rank provides better admission prospects with cutoffs extending up to 65000 in several colleges . Alternative branches like Mechanical Engineering (cutoffs 30000-75000) and Civil Engineering (cutoffs 60000-90000) offer excellent admission possibilities across multiple COMEDK institutions . However, your JEE Main rank 750496 eliminates possibilities for admission through JOSAA counselling to NITs, IIITs, and GFTIs, as even the lowest-tier institutions require ranks below 300000-400000 . CSAB special rounds conducted after JOSAA also cannot accommodate such high ranks, as they primarily fill vacant seats from institutions with much lower cutoffs . Recommendation: Focus exclusively on COMEDK counselling targeting ECE or Mechanical Engineering branches at colleges like Acharya Institute of Technology, Global Academy of Technology, or Sri Venkateshwara College of Engineering, while avoiding JEE-based admissions due to prohibitively high rank. All the BEST for the Admission & a Prosperous Future!

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