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Ramalingam

Ramalingam Kalirajan  |8285 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 14, 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
KAVITA Question by KAVITA on Jun 14, 2024Hindi
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Hello Sir, i invest monthly in SIPS to a total of 35000. and as on date my total of sip amount has gathered to 31 lac Rs. I want a corpus of 3 crore in the next 10 years. Kindly give me your valuable suggestion on the same.

Ans: It's great to see your dedication to your financial future. Your commitment to investing in SIPs and your clear goal of accumulating Rs 3 crore in 10 years is commendable. Let's break down your current situation, evaluate your options, and outline a strategy to help you achieve your financial goals.

Understanding Your Current Investments
You invest Rs 35,000 monthly in SIPs, which has accumulated to Rs 31 lakh. This demonstrates your disciplined approach to wealth building. Systematic Investment Plans (SIPs) are a good way to invest in mutual funds, as they offer the benefits of rupee cost averaging and compounding over time.

Evaluating Your Financial Goals
You aim to achieve a corpus of Rs 3 crore in the next 10 years. This is an ambitious goal, but with a strategic approach, it is certainly achievable. Given your current investments and the time frame, we'll need to ensure your portfolio is well-diversified and aligned with your risk tolerance and financial objectives.

Portfolio Diversification and Asset Allocation
Diversification is key to managing risk and optimizing returns. Your current SIP investments need to be spread across various asset classes and sectors. A balanced portfolio might include a mix of large-cap, mid-cap, and small-cap equity funds, along with debt funds to manage risk. The right mix depends on your risk appetite and market conditions.

Regular Review and Rebalancing
It's important to regularly review and rebalance your portfolio to ensure it remains aligned with your goals. Market conditions and personal circumstances can change, so periodic adjustments are necessary. This could involve shifting funds from over-performing to under-performing assets or vice versa.

Importance of Actively Managed Funds
While index funds are often recommended for their low costs, actively managed funds can offer better returns, especially in a market like India where fund managers can exploit market inefficiencies. Actively managed funds, with the expertise of fund managers, have the potential to outperform the index. They are better suited for investors looking to achieve specific financial goals.

Benefits of Regular Funds
Investing through a Certified Financial Planner (CFP) and using regular funds can be beneficial. Regular funds offer professional management and advice, which is crucial for making informed investment decisions. A CFP can provide personalized advice, portfolio management, and periodic reviews to ensure you stay on track to meet your goals.

Avoiding Annuities and Real Estate
Annuities are often not the best investment option due to their lower returns and higher fees. They also lack flexibility and can tie up your funds for long periods. Real estate, while a popular investment, involves high transaction costs, illiquidity, and requires significant capital outlay, making it less attractive for achieving your Rs 3 crore goal.

Long-term Focus and Patience
Investing is a long-term journey. Staying focused on your goal, being patient, and avoiding knee-jerk reactions to market fluctuations is crucial. Your Rs 31 lakh accumulation is a significant achievement. Continue this disciplined approach, and over time, compounding will work in your favor.

Seeking Professional Advice
Working with a Certified Financial Planner can provide you with the expertise and guidance needed to navigate the complexities of investing. A CFP can help you develop a comprehensive financial plan, tailored to your specific needs and goals. They can also assist in selecting the right funds, managing risks, and optimizing your investment strategy.

Final Insights
Your current SIPs and accumulated corpus are a strong foundation. To achieve your Rs 3 crore goal, focus on a diversified portfolio, regular reviews, and leveraging the expertise of a CFP. Avoid high-risk and low-return investments like annuities and real estate. Stay disciplined, patient, and proactive in your investment approach.

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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Ramalingam

Ramalingam Kalirajan  |8285 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

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Hi Sir Sangayya hear from Karnataka my age is 43 from last 3 years I started my SIP details r as below 1 ELSS - 5 sips each 1k 2. Large & mid cap fund - 3 sips 1k each 3. Thematic fund - Franklin India opp - 5k 4. Multi asset allocator - Tata 5k 5.Flexi cap fund - 2 Sips 1k each 6. Dynamic Asset - Edelweiss balanced Adv fund 1k 7. Small cap - Nippon India 1k Total monthly 22k is my investment kindly suggest I want to build my corpus 1cr in another 10 year & how much I have to invest more to achieve Target
Ans: Hello Sangayya, it's great to see your commitment to building your financial future through SIP investments. Let's break down your goal of reaching a corpus of 1 crore in 10 years and assess your current investment approach:

Review Current Investments: Evaluate the performance of your existing SIPs relative to their benchmarks and peers. This will help you understand if adjustments are needed to optimize your portfolio for growth.
Assess Required Monthly Investment: To reach a corpus of 1 crore in 10 years, you'll need to calculate the required monthly investment based on your expected rate of return. This depends on factors like the type of funds you're investing in and prevailing market conditions.
Consider Increasing SIP Amount: If your current monthly investment of 22k isn't sufficient to reach your goal, you may need to increase your SIP amounts or explore additional investment avenues. A Certified Financial Planner can help you determine the optimal investment strategy based on your risk tolerance and financial goals.
Stay Consistent and Patient: Building a substantial corpus takes time and discipline. Stay committed to your investment plan, continue SIPs regularly, and avoid making emotional decisions based on short-term market fluctuations.
Regular Portfolio Review: Periodically review your portfolio's performance and make adjustments as needed. Rebalancing your investments and exploring new opportunities can help you stay on track towards achieving your financial goals.
Remember, while setting ambitious targets is commendable, it's essential to ensure that your investment strategy is realistic and aligned with your risk tolerance and financial capacity. With careful planning and perseverance, you can work towards building a significant corpus over the next decade.

..Read more

Ramalingam

Ramalingam Kalirajan  |8285 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2024

Money
Hello Sir, I am 33 year old and have started investing in SIPs since last 2 years. I have invested in Mirae Asset Tax saver, Mirae asset Mid Cap, Tata Multicap funds only as of now. Money invested is 80k. Can you please suggest me an approach to build a corpus of 50Lakhs in next 8-10 years. I am currently earning around 1.7 lakhs/month with around 80K expenses/month.
Ans: It's great to hear that you've already taken significant steps towards your financial future by investing in SIPs. Starting early and being consistent are key elements in building a substantial corpus. You’re earning Rs 1.7 lakhs a month and spending around Rs 80,000, which gives you a solid Rs 90,000 potential for savings and investments. With a goal to build a corpus of Rs 50 lakhs in the next 8-10 years, you’re on the right path. Let’s outline a strategy to help you achieve this.

Current Investment Overview
You’ve started well with investments in three mutual funds:

Mirae Asset Tax Saver: This is an Equity Linked Savings Scheme (ELSS), which is tax-efficient.
Mirae Asset Mid Cap: Focuses on medium-sized companies with growth potential.
Tata Multicap Fund: Invests across large, mid, and small-cap stocks.
You’ve invested Rs 80,000 in these funds so far. Each of these funds has its unique benefits, but there’s room to optimize your portfolio to meet your Rs 50 lakh goal.

Setting a Target for Your Goal
To build a corpus of Rs 50 lakhs in 8-10 years, you need a strategic approach. Let’s break down the steps you should consider:

Assess Your Financial Goals:

Define your goals clearly.
How soon do you need the money?
What is your risk tolerance?
Current Savings and Investments:

You’ve started with Rs 80,000.
Let’s build on this base.
Maximize your monthly savings for investment.
Building a Strong Investment Plan
Given your income and expenses, you have a good monthly surplus. Here’s how you can allocate and optimize it:

Increase Your SIP Contributions
Monthly Investment Capacity:

You can invest more since your monthly surplus is Rs 90,000.
Let’s consider gradually increasing your SIP contributions.
Balanced Portfolio:

Diversify into different types of funds (e.g., large-cap, mid-cap, and multi-cap).
This diversification can help manage risks better and optimize returns.
Increase SIPs in High-Performing Funds:

Continue with your current funds but increase the monthly SIP amounts.
Consider adding Rs 10,000 to each of your existing funds and reviewing their performance annually.
Add New Funds:

Introduce a small-cap fund to capture growth in emerging companies.
Allocate Rs 10,000 per month to a new small-cap fund.
Exploring Other Investment Options
While mutual funds are a strong component of your portfolio, consider these additional investments for further growth:

Direct Equity Investments:

Allocate a small portion, say Rs 10,000 per month, to invest directly in the stock market.
Choose stocks from stable sectors with good growth potential.
Debt Funds:

Invest Rs 5,000 per month in debt funds for stability and to balance equity risk.
This provides a safety net and ensures liquidity.
NPS for Retirement Planning:

Contribute Rs 5,000 monthly to the National Pension System (NPS).
This can provide additional tax benefits and long-term growth for retirement.
Optimizing Your Portfolio Performance
Regularly monitoring and adjusting your investments is crucial to stay on track for your goal:

Annual Review:

Review your fund performance annually.
Make adjustments if any fund is consistently underperforming.
Rebalancing:

Rebalance your portfolio to maintain the desired asset allocation.
This involves selling some assets and buying others to keep your portfolio aligned with your risk tolerance and goals.
Staying Informed:

Keep up with market trends and financial news.
This helps in making informed decisions and timely adjustments to your investments.
Managing Risk and Diversification
To achieve your Rs 50 lakh goal with minimized risk, consider these strategies:

Risk Tolerance:

Understand your risk appetite.
Since you have 8-10 years, you can afford to take moderate risks for higher returns.
Diversification:

Diversify across asset classes, sectors, and geographies.
This reduces risk and maximizes returns by not putting all eggs in one basket.
Systematic Investment:

Continue with SIPs to benefit from rupee cost averaging.
This helps in buying more units when prices are low and fewer when prices are high.
Emergency Fund and Insurance Coverage
Before focusing solely on investments, ensure you have these foundational elements in place:

Emergency Fund:

Maintain a fund that covers 6-12 months of your living expenses.
This should be in a savings account or a liquid mutual fund for easy access.
Health and Life Insurance:

Have adequate health insurance for you and your family.
Ensure you have a term insurance policy that provides sufficient coverage.
Tax Planning and Efficiency
Optimizing your investments for tax efficiency is crucial:

Tax-Saving Investments:

Continue with your ELSS investments for tax benefits under Section 80C.
Explore other tax-saving options like NPS and PPF.
Efficient Fund Selection:

Choose funds that provide good post-tax returns.
Equity funds held for more than a year are subject to lower capital gains tax.
Adjusting to Life Changes
Life circumstances can change, and your investment plan should be flexible enough to adapt:

Career Growth:

With potential salary increases, consider increasing your investment contributions.
Aim to save and invest a higher percentage of your income over time.
Family Expenses:

Plan for future family expenses like children’s education and other big-ticket items.
Adjust your savings and investment goals accordingly.
Market Fluctuations:

Stay calm during market volatility.
Stick to your investment plan and avoid making hasty decisions based on market noise.
Long-Term Planning Beyond Rs 50 Lakhs
While your immediate goal is Rs 50 lakhs, consider these aspects for long-term financial health:

Retirement Planning:

Beyond your immediate goal, start planning for retirement.
Consider how much you’ll need to maintain your lifestyle post-retirement.
Wealth Accumulation:

Continue investing beyond reaching your Rs 50 lakh goal.
Building wealth is a continuous process, and longer-term investments can yield substantial growth.
Legacy Planning:

Think about wealth transfer and legacy planning.
Ensure you have a will and estate plan in place to manage and transfer your wealth smoothly.
Final Insights
Your disciplined approach to saving and investing is commendable. By increasing your SIP contributions, diversifying your portfolio, and regularly monitoring your investments, you are well-positioned to achieve your Rs 50 lakh corpus in the next 8-10 years. Stay focused on your goals, adapt to life changes, and continue educating yourself about investments. Your financial journey is a marathon, not a sprint, and your dedication will surely lead to financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8285 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 04, 2024

Asked by Anonymous - Aug 21, 2024Hindi
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Hello sir,my name is Karan. I'm 30 years old earning 55k a month. I want a corpus of 1 crore in 10 year how do i achieve that investing in sip. My monthly expense is 20k I'm investing 5k in Motilal Oswal
Ans: You are investing Rs. 10,000 every month in a children's benefit fund. Your goal is to accumulate Rs. 2 crore in 18 years. This is a significant target and needs a well-structured plan.

Understanding Your Investment Strategy
Investing in a mutual fund focused on children's education is a good start. This fund is designed for long-term goals and offers growth potential. However, it’s important to assess if your current investment will meet your target.

Estimating Future Returns
To reach Rs. 2 crore in 18 years, your investment must grow consistently. The rate of return plays a crucial role here. Most equity-focused funds aim for a return of 10-12% annually. However, these returns are not guaranteed and depend on market performance.

Power of Compounding
The concept of compounding is key to reaching your goal. When your returns are reinvested, they generate further returns, leading to exponential growth. Over 18 years, compounding can significantly boost your investment.

Monthly Investment Amount
Currently, you are investing Rs. 10,000 per month. Over 18 years, this equals Rs. 21.6 lakh in total contributions. For this to grow to Rs. 2 crore, your investments need to achieve a high rate of return.

Potential Growth Scenarios
If your investment grows at an average rate of 12% per year, reaching Rs. 2 crore is achievable. However, this assumes consistent growth and no major market downturns. Market fluctuations can impact your returns, so it's essential to stay invested for the long term.

Importance of Diversification
Relying on a single fund may not be enough to meet your goal. Diversifying your investments across different funds can spread risk and potentially enhance returns. Consider adding more funds with different investment strategies to your portfolio.

Actively Managed Funds vs. Index Funds
You’ve chosen a direct plan, which typically has lower expenses but lacks professional guidance. While this may save costs, actively managed funds, with a Certified Financial Planner (CFP) guiding you, can be more beneficial. They allow for strategic decisions to maximize returns, especially in volatile markets.

Why Direct Plans May Not Be Ideal
Direct plans are often chosen for their lower expense ratios. However, they don’t come with the personalized advice that regular plans offer through a CFP. This advice can help you navigate market changes and adjust your investments accordingly. Regular plans might have higher expenses but the professional management can help optimize returns.

Staying Disciplined with SIPs
Your SIPs (Systematic Investment Plans) provide discipline in investing. Regular investments, regardless of market conditions, help you build wealth over time. This approach reduces the impact of market volatility and keeps you on track to meet your goal.

Reviewing Your Investments Regularly
It's crucial to review your portfolio regularly. As you approach your target date, you may need to adjust your investments. Moving some of your funds to safer assets can protect your accumulated wealth.

Consider Inflation
Inflation can erode your purchasing power over time. Even if you reach Rs. 2 crore, the real value might be less than expected due to rising costs. It’s important to factor in inflation while planning your financial goals.

Adjusting Your Investment Strategy
If you find that your current investment plan may fall short, consider increasing your monthly SIP amount. Even a small increase can have a big impact over 18 years due to compounding.

Avoiding Common Investment Mistakes
It’s important to avoid common pitfalls like withdrawing your investments during market downturns. Staying invested and trusting the long-term growth potential of your funds is key to achieving your financial goals.

Final Insights
Reaching Rs. 2 crore in 18 years with a Rs. 10,000 monthly investment is possible, but not guaranteed. It requires a disciplined approach, regular reviews, and possibly an increase in your SIP amount. Working with a Certified Financial Planner can provide you with the guidance needed to navigate market changes and optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8285 Answers  |Ask -

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

Asked by Anonymous - Aug 31, 2024Hindi
Money
I want a corpus of 2 crore in next 10 years. How much will be the monthly SIP and pls advise some funds
Ans: You’ve set a goal to accumulate Rs. 2 crore in 10 years. This is ambitious and achievable with disciplined investing. Let's explore how to achieve this.

Estimating the Required Monthly SIP
Target Corpus:
To reach Rs. 2 crore, you need to invest consistently. The amount of monthly SIP depends on expected returns.

Expected Returns:
Assuming a moderate return rate from mutual funds (around 12% per annum), you would need to invest a significant amount every month.

Monthly SIP Calculation:
A Certified Financial Planner would suggest that to achieve Rs. 2 crore, you should consider a monthly SIP of around Rs. 85,000 to Rs. 1 lakh, depending on the exact returns. This might seem high, but it's aligned with your goal.

Importance of Actively Managed Funds
Avoiding Index Funds:
Index funds may not give you the required returns. They follow the market and lack the potential for higher gains. Actively managed funds, on the other hand, are handled by professional fund managers. These managers aim to outperform the market, which could help in reaching your goal faster.

Regular Funds via MFD:
Direct funds might seem cost-effective, but regular funds through a trusted MFD with CFP credentials can provide better long-term results. MFDs offer professional advice, regular reviews, and adjustments to your portfolio. They ensure that your investments stay on track.

Suggested Fund Categories
Large-Cap Funds:
These funds invest in well-established companies. They are stable and offer consistent returns. Allocating a portion to large-cap funds reduces risk while ensuring steady growth.

Mid-Cap Funds:
Mid-cap funds have the potential for higher returns compared to large-cap funds. They invest in companies that are in the growth phase. Including mid-cap funds in your portfolio can enhance your overall returns.

Small-Cap Funds:
Small-cap funds are riskier but offer the possibility of higher returns. These funds invest in smaller companies with high growth potential. A small allocation here can boost your corpus if the companies perform well.

Flexi-Cap Funds:
Flexi-cap funds offer flexibility in investment. They can invest across different market capitalizations based on market conditions. These funds adapt to market changes, which can be beneficial in a volatile market.

Balancing Your Portfolio
Diversification is Key:
Don’t put all your money in one type of fund. A well-diversified portfolio across large-cap, mid-cap, small-cap, and flexi-cap funds will spread risk and optimize returns.

Review Regularly:
Regularly review your portfolio with the help of a Certified Financial Planner. Adjustments might be needed based on market conditions and your financial situation.

Risk Assessment and Management
Understand Your Risk Appetite:
Investing in mutual funds involves risk. It's crucial to understand your risk tolerance. If you're not comfortable with high risk, allocate more towards large-cap and flexi-cap funds.

Stay Invested:
Market fluctuations are normal. Don't panic during market corrections. Staying invested for the long term is key to achieving your financial goals.

Emergency Fund:
Before committing to high SIPs, ensure you have an emergency fund. This fund will cover unexpected expenses and prevent you from dipping into your investments.

Tax Considerations
Tax Efficiency:
Equity mutual funds are tax-efficient. Long-term capital gains (LTCG) up to Rs. 1 lakh per annum are tax-free. Gains above this threshold are taxed at 10%. Plan your investments to maximize tax efficiency.

Section 80C Benefits:
You can also consider tax-saving mutual funds under Section 80C. These funds have a lock-in period of three years but offer tax benefits along with potential returns.

Additional Financial Goals
Retirement Planning:
While working towards your Rs. 2 crore goal, don’t neglect retirement planning. Ensure that you are also contributing towards a retirement corpus. Consider options like PPF, NPS, or dedicated retirement funds.

Insurance Needs:
Ensure you have adequate life and health insurance. These are crucial for financial security. If you hold LIC, ULIP, or other investment cum insurance policies, it might be wise to review them. Surrendering these policies and reinvesting in mutual funds could yield better returns.

Steps to Start Your SIP
Choose a Reputable AMC:
Select a reputed Asset Management Company (AMC) with a good track record.

Consult a Certified Financial Planner:
Seek advice from a Certified Financial Planner to select the best funds suited to your risk profile and financial goals.

Automate Your SIPs:
Set up automatic SIPs to ensure disciplined investing. This reduces the temptation to skip payments and keeps you on track.

Finally
Achieving a Rs. 2 crore corpus in 10 years requires a disciplined approach. With the right selection of actively managed funds and regular monitoring, you can reach your goal. Diversify your investments, stay invested, and consult a Certified Financial Planner to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Sushil Sukhwani  |594 Answers  |Ask -

Study Abroad Expert - Answered on Apr 24, 2025

Career
Hello Sir. My Son has got offer from follwing University.. 1)University of Padua - Italy (BSC - Information Technology) - 3 years Course 2)University Of Strathclyde - UK (BSC - HON Computer Science) - 4 yrs 3)Caledonian University of Glassgow - UK (Bsc Hons Computing). 4 yrs 4) National College of Ireland (BSC - HON Computer Science Engg) - 4 yrs We are confused to select the university / country
Ans: Hello ASAD,

First and foremost, thank you for getting in touch with us. I am glad to know that your son has received offers from the above mentioned universities. As an answer to your query, I would like to tell you that a prestigious and budget-friendly education in a lively Italian environment, along with a reputable academic standing and lower living expenses is offered at the University of Padua; its 3-year BSC - Information Technology may also provide a quicker path to higher education or jobs. Coming to the University of Strathclyde, top-ranked in the UK for Computer Science, this university is renowned for its linkages with industry, research possibilities, as well as outstanding student services, offering robust employment opportunities. Next, situated in a student-centric city with budget-friendly costs in comparison to other cities in the UK, Glasgow Caledonian University focuses on hands-on, industry-focused learning with impressive graduate employment rates. The National College of Ireland provides a small, contemporary campus in Dublin with robust ties with the technology sector, internships, and employment prospects in one of Europe’s key technology hotspots.

Lastly, deciding which university and country to select depends on your son’s professional objectives, ideal learning atmosphere, budget, as well as plans for the future- whether he prefers a shorter course term, robust industrial connections, global exposure, or residing in a specific nation.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

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Nayagam P

Nayagam P P  |4455 Answers  |Ask -

Career Counsellor - Answered on Apr 24, 2025

Career
EWS category rank female 30065 suitable NIT IIIT GFTI admission getting sir 2025
Ans: Rajeswari, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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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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