Hello Sir, I am Kumar Shashi Raj, I made a payment for my Axis bank credit card dues on 31.1.2024 from SBI internet banking, its Last date was 05.02.2024, but payment not reflected in Axis bank credit card dues nor returned to my SBI account till 14th Feb 2024, due to delay I have been charge penalty and interest, and bad effect on my CIBIL score. I raised complains to Axis Bank Credit card department and SBI. but I did not get concrete answer from them. I got a reply from Axis bank saying that UPDATE FROM AGGREGATOR THAT THERE WAS A DOWN TIME ISSUE FROM SBI, due to this the payment has been failed. I just want to know who is responsible Axis Bank or SBI and how to raise complain against them so that penalty, interest, and effect on CIBIL score, mental trauma I have borne. I want justice.

Ans: For most students, a good preference order would be: IIT Dhanbad (CS) > IIT BHU (Electrical) > IIT Bhubaneswar (CS). While IIT BHU Electrical is a strong program, IIT Dhanbad's CSE program generally has better placements and brand recognition, making it a slightly more desirable option for many students. IIT Bhubaneswar's CS program is also a good option, but generally ranks lower than IIT Dhanbad's CS program. Best of luck.

Ans: I think she must join this course. For more details you need off line counselling, which will be more elaborative with logic. Best of luck. Professor

Ans: It’s great that your daughter has finished her 2nd semester and is doing a summer internship in PLC and robotics.
For her winter internship in December 2025, here are some good options:
She can email professors at IITs/NITs who work in electronics or automation. These are great for learning and might help if she wants to pursue higher studies later.
Websites like Internshala, Letsintern, LinkedIn offer online roles in embedded systems and IoT if she wants something more flexible.

Ans: I totally understand your concern — this happens to quite a few people, so you’re not alone. Since your F1 visa was put under 221(g) last time, it just means that the consulate needed more time or documents to process your case. It’s not a ‘hard’ rejection, The good thing is you weren’t denied under 214(b), which is more serious. As you’re applying again (even to a different university), it might come up in your interview, but it won’t automatically lead to another delay. Just be honest in your interview. Keep your answers short and clear. And make sure all your documents are in order — including your new I-20, finances, etc.

Ans: Congratulations on getting into Northeastern University.
About the visa situation — yes, it’s fine to look for appointments in other cities like Delhi, Chennai, Hyderabad, etc. A lot of students do that when their home consulate is booked. You just have to be a little flexible with travel, and it won't impact your chances at all. For other countries - we don’t recommend that, as the US consulates there might not prioritize or accept non-residents. Also if the visa gets delayed or stuck in administrative processing, you might end up stuck abroad, which is more stress causing.

Ans: 8.1 CGPA from a tier-2 college is really good and a 6.5 in IELTS is not bad either, but the 6 in writing might limit your options. Some programs accept 6.5 overall, but many want at least 6.5 in each section, especially for technical courses like CS. For universities like Concordia and Dalhousie, your overall score is on the edge. If you're not in a big rush and feel you can push your writing score to a 6.5 or 7, it’s honestly worth retaking the IELTS. Some universities can also give you an option to take additional English Language Courses, if your IELTS scores are not as per their requirements. If you still want to try applying with your current score, you can shortlist unis that clearly mention they accept 6 in one band. Some might still consider you, especially if your academics and SOP are strong.

Ans: With a JEE Advanced rank of 9574, your friend’s daughter has viable options across mid-tier IITs for core engineering branches and emerging specializations. Based on 2024 cutoff trends:

IIT Bhubaneswar: Accessible for Mechanical Engineering (cutoff ~9,875), Civil Engineering (~12,996), and Environmental Engineering (~15,291) .

IIT Mandi: Likely admission to Mechanical Engineering (~9,734) or Civil Engineering (~12,562) .

IIT Dhanbad: Strong prospects for Mining Engineering (~14,762) or Petroleum Engineering (~12,310) .

IIT Patna: Possible for Metallurgical Engineering (~13,599) or Chemical Engineering (~11,398) .

IIT Indore: Mechanical Engineering (~6,812) and Civil Engineering (~9,773) are attainable .

IIT Gandhinagar: Materials Engineering (~12,299) or Civil Engineering (~9,339) .

Emerging branches like Environmental Engineering (IIT Dhanbad) or Engineering Physics (IIT Bhubaneswar) offer niche opportunities with growing industry demand. While CSE/ECE remain inaccessible at premier IITs (cutoffs

Ans: Symbiosis Institute of Technology (SIT) Pune demonstrates strong CSE placement performance with 93% placement rate for Computer Science and Engineering in 2024, achieving 124 students placed out of 155 eligible candidates. SIT Pune maintains consistent overall placement trends with 91% placement rate in 2023-24, 97% in 2022-23, and 98% in 2021-22, while CSE department specifically recorded average package of ?11.28 LPA in 2024. The institution holds #9 ranking in Engineering (Private) category by India Today 2024 and maintains A++ NAAC accreditation. PES University Bangalore demonstrates superior overall institutional performance with 83% BTech placement rate in 2023, placing 1,199 out of 1,445 students, though this represents a decline from 87% in previous years. PES University holds NIRF Engineering ranking #101-150 in 2024 and achieved median package of ?12.47 LPA for UG programs. ECE at PES maintains strong industry connections with companies like Microsoft, Amazon, and Google recruiting from campus, though specific ECE placement data shows moderate performance. SIT Pune offers better cost-effectiveness with total fees of ?6.75 lakhs compared to PES University's ?18.11 lakhs for ECE program. Recommendation: Choose Symbiosis Institute of Technology CSE for superior branch-specific placement consistency (93% for CSE), cost-effectiveness, strong industry partnerships, and proven Computer Science career outcomes, unless PES University's institutional brand value and Bangalore's technology ecosystem advantages outweigh the higher fees and moderate ECE placement performance. All the BEST for the Admission & a Prosperous Future!

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Ans: IIT Bombay Mechanical Engineering emerges as the optimal choice for your robotics interests despite the branch difference. IIT Bombay offers exceptional robotics infrastructure including the ARMS Lab (Autonomous Robots and Multi-robot Systems Lab) within the Systems and Control Engineering Department, specializing in robot vision, multi-robot systems, and path planning research. The Mechanical Engineering department at IIT Bombay achieved 98% placement rate for 2024 with 184 out of 188 students placed, demonstrating superior placement consistency. IIT Bombay's e-Yantra robotics platform, sponsored by MHRD, provides extensive hands-on robotics training covering embedded systems, automation, and intelligent systems. IIT Guwahati ECE shows 84% placement rate with ?27.30 LPA average package and houses the Centre for Intelligent Cyber Physical Systems offering MTech in Robotics and AI. IIT Kharagpur features the Center for Excellence in Robotics (CER) focusing on intelligent autonomous robots, though EE placement data shows moderate performance. IIT Bombay's superior NIRF #3 ranking, strongest industry connections with 980+ recruiting companies, proximity to India's technology hub Mumbai, and proven robotics research infrastructure make it preferable. Recommendation: Retain IIT Bombay Mechanical Engineering for superior institutional reputation, proven robotics research facilities, highest placement consistency, and extensive industry exposure essential for robotics career advancement. All the BEST for the Admission & a Prosperous Future!

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