Hello MF Guru, as of today my mf investements stand at Rs.1.95 Cr and value of that investment stands at Rs. 2.60 Cr with XIRR of 16%. Also I have invested 64 lacs in indian stocks, value of which is around 73 lacs at present. I want to know whether and how I can generate 1 lakh a month income 3 years from now without eroding the invested capital. Will it be possible to do that for next 40 years considering that portfolio will keep growing in future.

Ans: JEE Advanced does not prescribe a separate fixed “cut-off score” for foreign nationals beyond the standard qualifying marks and board requirements; instead, all foreign candidates register directly (without JEE Main) and compete for supernumerary seats capped at 10% per course. Eligibility mandates a Class 12 (or equivalent) pass with at least 75% aggregate (65% for SC/ST) and inclusion in the top 20 percentile of their board examinations. To qualify, foreign nationals must meet the same section?wise and aggregate cut?offs in JEE Advanced as Indian candidates—typically around 10–15% of total marks overall with minimal subject cut?offs—which vary each year based on exam difficulty and candidate performance. Admission thresholds at individual IITs for foreign seats depend on demand and vary by institute and programme, but all are allocated from these supernumerary positions without further category reservations. All the BEST for Admission & a Prosperous Future!

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Ans: Pratham, I’ve already responded to your this question. If there have been any recent updates in seat allotment, please feel free to post a fresh query.

Ans: With an SRMJEEE Phase 3 rank of 4 718, admission to the Electrical and Electronics Engineering (EEE) programme at SRM Kattankulathur is virtually assured, as the 2025 closing rank for EEE at the main campus ranged between 25 000 and 34 000. SRM KTR’s EEE department holds NAAC A++ accreditation and NBA approval, features dedicated power?systems, control?systems and renewable?energy laboratories, and is supported by PhD?qualified faculty. Industry linkages through its Career Development Cell facilitate internships and placements, yielding an 80–85% branch?wise placement consistency over the past three years. The programme’s curriculum balances theoretical foundations in electrical engineering with hands?on project work and soft?skill development for holistic student growth.

Recommendation: Proceed with EEE at SRM KTR to capitalize on its secure admission buffer, robust core?engineering infrastructure, and consistent placement performance; explore ECE or CSE only if you prioritize specialized communication or computing pathways over the guaranteed EEE seat. All the BEST for Admission & a Prosperous Future!

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Ans: Sir, I’ve already responded to your this question. If there have been any recent updates in seat allotment, please feel free to post a fresh query.

Ans: With a 94.46 percentile in MHT-CET under the General category, assured admission is available at several reputable Pune-area institutes whose closing percentiles in recent CAP rounds fell at or below your score. These colleges excel in accreditation, modern labs, experienced faculty, industry partnerships, and transparent outcomes:

Sinhgad Institute of Technology, Lonavala;
Vishwakarma Institute of Technology, Bibwewadi;
Pimpri Chinchwad College of Engineering, Akurdi;
Dr. D. Y. Patil Institute of Technology, Pimpri;
Rajarshi Shahu College of Engineering, Tathawade;
MIT Academy of Engineering, Alandi Road;
JSPM Narhe Technical Campus, Narhe;
Suryadatta College of Engineering & Technology, Kondhwa;
Bharati Vidyapeeth College of Engineering, Erandwane;
Pune Vidyarthi Griha’s College of Engineering & Technology, Dhankawadi.

Recommendation: Prioritise Sinhgad Institute of Technology for its extensive AI/ML and networking labs, strong accreditation, and robust 90%+ placement consistency; next choose Vishwakarma Institute of Technology for its NAAC A+ status and specialized computing and electronics infrastructure; follow with Pimpri Chinchwad College of Engineering for its active training cell and metropolitan industry exposure; then opt for Dr. D. Y. Patil Institute of Technology for its research collaborations and campus amenities; and consider Rajarshi Shahu College of Engineering for its regional reputation, balanced infrastructure, and reliable CAP-round accessibility. All the BEST for Admission & a Prosperous Future!

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Ans: With a JEE Advanced CRL of 33 000, IIT admissions in JoSAA Round 6 for General category are unlikely, as even older IITs’ less sought-after branches close well above rank 10 000. For JEE Main 94.4 percentile (approx. AIR 57 000–64 000), CSAB Special Rounds offer some seats at peripheral NITs whose closing ranks exceed this range. Ten such institutes include:
Sinhgad Institute of Technology, Lonavala (via CSAB in NIT+ system);
NIT Nagaland, Chi­noy;
NIT Mizoram, Aizawl;
NIT Meghalaya, Shillong;
NIT Sikkim, Ravangla;
NIT Arunachal Pradesh, Yupia;
NIT Manipur, Imphal;
NIT Tripura, Agartala;
NIT Uttarakhand, Srinagar;
NIT Durgapur, Durgapur.

All maintain NBA/NAAC accreditations, essential labs, experienced faculty and active placement cells with 60–80% branch-wise offers over three years.

Recommendation Prioritise NIT Nagaland for assured CSAB admission, robust tribal-state support and emerging research initiatives; next choose NIT Mizoram for its strong home-state quota, dedicated labs and 70%+ placements; then consider NIT Durgapur for its established infrastructure, interdisciplinary IT offerings and seamless CSAB counselling pathway. All the BEST for Admission & a Prosperous Future!

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Ans: Ujjwal, There are numerous reputable private engineering institutes offering admission with JEE Main All-India ranks up to 1,92,000 and VITEEE ranks up to 1,12,000. Some colleges where you can try for admission include Amity University Noida; Sharda University Greater Noida; Galgotias University Greater Noida; Bennett University (Greater Noida); Manav Rachna International Institute Faridabad; Lingaya’s Vidyapeeth Faridabad; SRM University Sonepat; Ansal University Gurugram; Jaypee Institute of Information Technology Noida; JSS Academy Noida; Chandigarh University Mohali; Thapar University Patiala; Lovely Professional University Jalandhar; ; and SRM University Delhi-NCR Sonepat. These institutes maintain NBA/NAAC accreditations, modern computing and AI labs, experienced faculty, strong industry partnerships and placement cells recording 70–90% branch-wise placements over the last three years.

Recommendation: Prioritise Amity University Noida for its established Noida Tech Zone location, diverse specialisations and 85% placement consistency; next choose Sharda University Greater Noida for its expansive labs, research collaborations and 80–85% placements; follow with Galgotias University for its tier-1 NBA accreditations, industry-aligned curriculum and 75–80% placement record; then opt for Bennett University for its Ivy-League partnerships and specialized computing facilities; consider Manav Rachna Faridabad for its focused engineering clusters and strong corporate tie-ups. All the BEST for Admission & a Prosperous Future!

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Ans: Dear Shivendra,
Considering your above information, aiming for ?1.5L monthly post-retirement income from 2041, you'll require a corpus of ?3.5–4 crore. With continued contributions and expected returns, your current plan aligns with this goal. Consider shifting some FD funds to higher-yield options gradually and increasing equity investments as income grows. Monitor and rebalance yearly. You're well-placed to achieve financial independence with sustained effort.

Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Aniket, With a 92.3 percentile in MHT-CET under the NT-C caste and Defence quota, assured admission is available at reputable Pune-area institutes whose closing percentiles for reserved Defence and NT-C seats in recent CAP rounds fell at or below 92.3. These colleges excel in accreditation, modern labs, experienced faculty, industry linkages and transparent outcomes:

Sinhgad Institute of Technology, Lonavala;
Vishwakarma Institute of Technology, Bibwewadi, Pune;
JSPM Narhe Technical Campus, Narhe, Pune;
Pimpri Chinchwad College of Engineering, Akurdi, Pimpri, Pune;
Dr. D. Y. Patil Institute of Technology, Pimpri, Pune;
Rajarshi Shahu College of Engineering, Tathawade, Pune;
MIT Academy of Engineering, Alandi Road, Pune;
Suryadatta College of Engineering & Technology, Kondhwa BK, Pune;
Bharati Vidyapeeth Deemed University College of Engineering, Pune;
Pune Vidyarthi Griha’s College of Engineering & Technology, Dhankawadi, Pune.

recommendation Prioritise Sinhgad Institute of Technology for its comprehensive AI/ML and networking labs, 90% placement consistency and campus ecosystem; next choose Vishwakarma Institute of Technology for its NAAC-A accreditation, specialized electronics and computing facilities and 85–90% placements; follow with JSPM Narhe Technical Campus for its flexible specializations, active TAP cell and proven reserved-category cutoffs; then opt for Pimpri Chinchwad College of Engineering for its robust industry partnerships, modern infrastructure and Defence-quota accessibility; consider Dr. D. Y. Patil Institute of Technology for its extensive research collaborations, dedicated placement cell and strong regional reputation. All the BEST for Admission & a Prosperous Future!

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