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Should I use a personal loan to invest in mutual funds for emergency funds?

Ramalingam

Ramalingam Kalirajan  |8365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 29, 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
Ijaz Question by Ijaz on Jul 25, 2024Hindi
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Hello Sir I have monthly sip of 6000 in axis midcap direct fund. i live in joint family and i may come out of it anytime in near future(may be 1 year or 2 years) for which i require about 5 lakhs liquid fund. currently i dont have the same. Is it ok to take personnel loan of 5 lakhs and invest in currently running MF so as avoid running around in case of emergency. for 5 lakhs of PL with interest of 11.25%PA for 5years , i will be charged interest of rs 3lakhs for 5 years . ie i will be paying 8lakhs for 5 lakhs loan, is it good idea to invest the loan amount in my MF As lumpsump as it would be giving me 17% annual returs plus the compounding interest ofexisting Rs 2 Lakh in the porfolio. is there any other idea other than this? kindly advise.

Ans: It’s commendable that you are considering ways to optimize your investments. Taking a personal loan to invest in mutual funds is a strategy that requires careful thought. Let’s break down the key aspects to consider:

Understanding the Costs and Benefits
Personal Loan Costs

Interest Rates: A personal loan with an 11.25% annual interest rate will result in significant interest payments over five years. For a loan of Rs. 5 lakhs, you would end up paying around Rs. 3 lakhs in interest, totaling Rs. 8 lakhs.

Repayment: The total repayment amount is considerably higher than the principal. This can put additional strain on your finances.

Investment Returns

Potential Returns: Investing in your current mutual fund, which has given 17% annual returns, could seem attractive. However, returns are never guaranteed and can fluctuate.

Compounding: The compounding effect on your existing Rs. 2 lakhs can be beneficial. Yet, this doesn't always offset the cost of borrowing.

Assessing Risk and Liquidity
Investment Risks

Volatility: Mutual funds, especially mid-cap ones, can be volatile. High returns come with high risks. A downturn in the market could affect your investment significantly.

Loan Repayment: With a personal loan, you must make regular EMI payments regardless of your investment performance. This could be challenging if your returns do not meet expectations.

Liquidity Needs

Emergency Funds: You mentioned needing Rs. 5 lakhs for potential emergencies. It’s crucial to have liquid assets readily available rather than tying them up in investments.

Alternative Options: Instead of investing borrowed funds, consider building an emergency fund through savings or more liquid investments.

Exploring Alternatives
Building an Emergency Fund

Savings Account: Keep a portion of your money in a high-yield savings account. This ensures liquidity and safety while earning some interest.

Short-Term Investments: Consider short-term, low-risk investments that can be easily liquidated when needed.

Reducing Dependency on Loans

Incremental Savings: Increase your monthly savings to build the required Rs. 5 lakhs over time. This avoids the interest burden of a personal loan.

Asset Liquidation: Review other assets you may have. Selling or liquidating investments could be a more straightforward approach.

Financial Planning Approach
Review Your Financial Goals

Investment Strategy: Align your investment strategy with your long-term goals and risk tolerance. Ensure that any move to invest borrowed money does not jeopardize your financial stability.

Financial Cushion: Maintain a balance between investment and savings to safeguard against unforeseen expenses.

Final Insights
Taking a personal loan to invest in mutual funds involves a high degree of risk and potential financial strain. The interest payments on the loan could outweigh the benefits of the returns from the investment.

It’s crucial to ensure you have an adequate emergency fund before considering such investments. Explore alternative ways to build liquidity without incurring high-interest debt. Regularly review your financial situation and investment strategy to align with your goals and risk tolerance.

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  |8365 Answers  |Ask -

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

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Hello sir, I am 44 years old, working abroad, but here job security is not guaranteed. I can allocate Rs.50k monthly for MF or SIP investment. I feel ashamed to tell you this, that without consulting I had already invested in:- 1) Nippon India Growth Fund direct growth 50k 2) JM aggressive hybrid fund direct growth 50k 3) ICICI prudential balanced adv dire growth 50k 4) Quant mid cap fund direct growth 50k SIP's - 2500 per month 1) Nippon India multi cap Fund direct growth 2) SBI PSU direct plan growth 3) Quant small cap fund direct plan growth 4) ICICI prudential BHARAT 22 FOF direct growth Sir, Please advise whether this above plan is okay to continue or not also, please advise how to go ahead with 50k monthly allocation for investments. Benign regards Vinu George
Ans: Dear Vinu,

It's great that you're taking charge of your financial future. Don't feel ashamed about your previous investments; it's a learning process for everyone. Let's evaluate your current investments and see how to make the most of your Rs. 50,000 monthly allocation.

Understanding Your Current Investments
You have invested in several mutual funds directly:

Nippon India Growth Fund
JM Aggressive Hybrid Fund
ICICI Prudential Balanced Advantage Fund
Quant Mid Cap Fund
You also have SIPs of Rs. 2,500 each in:

Nippon India Multi Cap Fund
SBI PSU Fund
Quant Small Cap Fund
ICICI Prudential BHARAT 22 FOF
These investments show you have a diverse portfolio. However, let's assess and refine it for better alignment with your goals.

Evaluating Your Current Portfolio
1. Diversification and Risk Management

Your portfolio includes a mix of growth, hybrid, mid-cap, multi-cap, and small-cap funds. This is a good diversification strategy. However, let's ensure it's balanced in terms of risk and return.

Assessing Fund Choices
2. Fund Performance Review

Evaluate the performance of each fund annually. Look at their historical returns, expense ratios, and consistency. Consider replacing underperforming funds with better alternatives.

Moving Forward with Rs. 50,000 Monthly Allocation
3. Consistent SIP Investments

Continue with SIPs as they average out market volatility and instill financial discipline. Increase SIP contributions in well-performing funds for better compounding benefits.

Strategic Allocation of Rs. 50,000 Monthly
4. Balanced Portfolio Approach

Allocate your Rs. 50,000 monthly to a mix of equity and debt funds. This reduces risk while aiming for steady growth.

Equity Funds: Rs. 35,000 (70%)
Debt Funds: Rs. 15,000 (30%)
Detailed Allocation Strategy
5. Equity Fund Allocation

Within the Rs. 35,000 for equity funds, diversify across:

Large-Cap Funds: Rs. 15,000
Mid-Cap Funds: Rs. 10,000
Small-Cap Funds: Rs. 5,000
Multi-Cap/Balanced Funds: Rs. 5,000
Debt Fund Allocation
6. Debt Fund Allocation

For stability and lower risk, allocate Rs. 15,000 to debt funds. Choose high-quality debt funds with good credit ratings and lower interest rate risks.

Regular Monitoring and Adjustments
7. Annual Portfolio Review

Review your portfolio annually with a Certified Financial Planner. Rebalance as needed to maintain your desired asset allocation and risk tolerance.

Emergency Fund and Insurance
8. Maintain an Emergency Fund

Ensure you have an emergency fund covering 6-12 months of expenses. This should be in a liquid, easily accessible form like a savings account or liquid fund.

Adequate Insurance Coverage
9. Health and Life Insurance

Ensure you have adequate health insurance and life insurance coverage. This protects your investments from unexpected medical expenses or financial hardships.

Tax Planning and Efficiency
10. Tax-Efficient Investments

Utilize tax-saving funds like ELSS under Section 80C to reduce tax liability. Plan redemptions and withdrawals strategically to minimize taxes.

Long-Term Investment Discipline
11. Focus on Long-Term Goals

Stick to your long-term investment strategy despite market volatility. Regular investments and compounding will work in your favor over time.

Professional Guidance and Adjustments
12. Engage with a Certified Financial Planner

Work with a CFP to tailor your investment strategy to your specific needs and goals. They can provide personalized advice and regular reviews.

Final Insights
By diversifying your portfolio and strategically allocating your monthly investments, you can achieve a balanced and growth-oriented investment strategy. Regular monitoring and professional guidance will keep you on track toward your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

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Hello sir, I am 44 year old male, working abroad, but here job security is not guaranteed. I can allocate Rs.50k monthly for MF or SIP investment. I feel ashamed to tell you this, that without consulting I had already invested in:- 1) Nippon India Growth Fund direct growth 50k 2) JM aggressive hybrid fund direct growth 50k 3) ICICI prudential balanced adv dire growth 50k 4) Quant mid cap fund direct growth 50k SIP's - 2500 per month 1) Nippon India multi cap Fund direct growth 2) SBI PSU direct plan growth 3) Quant small cap fund direct plan growth 4) ICICI prudential BHARAT 22 FOF direct growth Sir, Please advise whether this above plan is okay to continue or not also, please advise how to go ahead with 50k monthly allocation for investments. Benign regards Vinu George
Ans: Current Investments Review
Your current investments include:

Nippon India Growth Fund direct growth: Rs. 50k
JM Aggressive Hybrid Fund direct growth: Rs. 50k
ICICI Prudential Balanced Adv direct growth: Rs. 50k
Quant Mid Cap Fund direct growth: Rs. 50k
SIPs of Rs. 2,500 per month in:

Nippon India Multi Cap Fund direct growth
SBI PSU direct plan growth
Quant Small Cap Fund direct plan growth
ICICI Prudential BHARAT 22 FOF direct growth
Assessment of Current Investments
Direct funds can be beneficial due to lower costs, but managing them without professional guidance can be challenging.

Advantages of Actively Managed Funds
Expert Management: Actively managed funds have professional fund managers.
Better Returns: They can outperform index funds due to active management.
Flexibility: Fund managers can adjust portfolios based on market conditions.
Disadvantages of Direct Funds
Lack of Guidance: Investing in direct funds without a Certified Financial Planner can lead to suboptimal decisions.
Time-Consuming: Monitoring and managing these funds requires time and expertise.
Suggested Portfolio Allocation
To maximize returns and manage risk, consider the following:

Equity Funds
Allocate 60% to equity funds: These funds offer high growth potential. They are ideal for long-term goals like retirement.
Debt Funds
Allocate 30% to debt funds: Debt funds provide stability and reduce overall portfolio risk.
Diversified Funds
Allocate 10% to diversified funds: These funds invest across various sectors, balancing risk and returns.
Monthly Allocation Plan
You can invest Rs. 50k monthly. Here’s a suggested allocation:

Equity SIPs: Rs. 30k in a mix of large-cap, mid-cap, and multi-cap funds.
Debt SIPs: Rs. 15k in high-quality debt funds.
Diversified SIPs: Rs. 5k in diversified funds.
Professional Guidance
Seek advice from a Certified Financial Planner. They can help you:

Optimize Your Portfolio: Ensure a balanced and diversified portfolio.
Regular Reviews: Regularly review and adjust your investments based on performance and goals.
Final Insights
Your current investments need optimization. Focus on actively managed funds for better returns. Diversify your portfolio with a mix of equity, debt, and diversified funds. Consult a Certified Financial Planner for tailored advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Need to invest in mf thru SIP of rs 10000 monthly with time horizon of 3 years and one lumpsum investment of rs 25 lacs in mf. Which are best options? Regards GK Raju
Ans: Your plan to invest Rs. 10,000 monthly through SIP for 3 years and Rs. 25 lakhs as a lumpsum is an excellent step. Let us evaluate and design an optimal strategy for both investments to suit your goals and time horizon.

SIP Investment for a 3-Year Horizon
A 3-year horizon is relatively short for equity mutual funds. Hence, capital preservation and moderate growth should be the primary goals.

Recommended Fund Categories
Hybrid Funds: These balance equity and debt, offering lower risk than pure equity funds. They are suitable for a 3-year horizon.

Arbitrage Funds: These invest in arbitrage opportunities and have minimal risk. They are a safer choice for short-term SIPs.

Short-Term Debt Funds: These focus on fixed-income instruments with shorter maturities, ensuring stability and predictable returns.

Key Considerations
Risk Mitigation: For a short horizon, avoid high-risk funds like small-cap or thematic funds.

Liquidity: Choose funds with no exit load beyond one year for better flexibility.

Lumpsum Investment of Rs. 25 Lakhs
Lumpsum investments require careful allocation to balance risk and return, especially over 3-5 years.

Recommended Fund Categories
Dynamic Asset Allocation Funds: These adjust equity and debt allocation based on market conditions, offering balanced returns.

Equity Savings Funds: These combine equity, arbitrage, and debt for steady growth with controlled risk.

Corporate Bond Funds: These focus on high-quality debt instruments and are ideal for preserving capital while earning stable returns.

Short-Term Debt Funds: These ensure low risk and predictable returns, making them suitable for conservative investors.

Avoid High-Risk Investments
Avoid pure equity funds for lumpsum investment over 3 years. The short horizon increases market timing risk.
Thematic and sectoral funds should also be avoided due to volatility and concentration risk.
Tax Implications for Both Investments
Understanding taxation is crucial for maximising post-tax returns.

Equity Funds: Short-term capital gains (STCG) are taxed at 20% for holdings under one year. Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.

Debt Funds: Both STCG and LTCG are taxed as per your income tax slab.

Hybrid Funds: Taxation depends on the equity-debt ratio. If equity exposure is over 65%, equity taxation rules apply.

Arbitrage Funds: Treated as equity funds for taxation purposes.

Active Funds vs Index Funds
Active funds aim to outperform the market and are managed by expert fund managers.
Index funds only mirror the market and may underperform during volatile periods.
For a 3-year horizon, actively managed funds provide better growth potential and risk management.
Importance of Regular Plans Over Direct Plans
Regular plans offer professional monitoring by a Certified Financial Planner (CFP).
CFPs optimise asset allocation and ensure timely portfolio rebalancing.
Direct plans lack advisory support, leading to missed opportunities or inefficient decisions.
Final Insights
For your Rs. 10,000 SIP, hybrid or short-term debt funds are ideal for balancing growth and stability. Arbitrage funds can also be considered for their low-risk profile.

For the Rs. 25 lakh lumpsum, dynamic asset allocation funds and corporate bond funds offer a balanced and low-risk investment approach.

By combining these fund types, you can achieve steady returns and protect your capital over the next 3 years. Consult a Certified Financial Planner to tailor the investments further to your needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4516 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Career
My jee mains percentile is 87 general 2025 can I get any good college female
Ans: Anuska, being a female, you might get. However, have some more back-ups by applying to some other colleges also with your JEE Main Rank, instead of relying only on JEE.

Please note, 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.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

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 both Home State (HS) i.e. State you belong to & also Other State (OS).
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, separately for HS & OS Categories for a quick reference.
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!

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

...Read more

Nayagam P

Nayagam P P  |4516 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Career
Jee mains crl rank 321133 and gen ews 45472 which college and which branch can I get?
Ans: Adi, 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.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

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 both Home State (HS) i.e. State you belong to & also Other State (OS).
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, separately for HS & OS Categories for a quick reference.
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!

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

...Read more

Nayagam P

Nayagam P P  |4516 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Archana

Archana Deshpande  |110 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 14, 2025

Asked by Anonymous - Apr 22, 2025
Career
I am 32 and I have been working really hard to build my career. I love what I do, and I've invested a lot of time and energy to grow in my role. But somehow, at work, especially during informal conversations, people often ask me questions like, 'When are you planning to settle down?' or 'Any baby plans on the horizon?' or even worse, 'You should start thinking about family before it's too late.' Sometimes these are casual remarks during lunch breaks, after meetings when the tone turns casual. Surprisingly, it's not always from older colleagues. Even people my age do it. It's personally frustrating because the underlying message seems to be: Your career is fine for now, but surely you will slow down or quit once you get married or have kids, right? It feels like no matter how well I perform or how passionate I am about my work, there's always this unspoken assumption that it's all temporary. I don't want to snap or sound defensive because that often backfires. At the same time, I also don't want to smile politely and let these questions continue. I want to protect my boundaries while still being professional and graceful.
Ans: Hi!!

To be in a position where you are today and say, ' I love what I do', is simply stupendous, congratulations!

In the context of you being 32 and still unmarried will definitely get you the comments that you are receiving... and like you said they are happening informally casually... so just treat them that way, casually... answer them, don't avoid them or don't show annoyance. Just answer them with a ,"not happening anytime soon, ask me after 02 years", or any other casual remark you deem fit.

I can understand the frustration...forget about what other people are trying to imply etc , they are just casual remarks and take them that way.
"I don't want to snap or sound defensive because that often backfires", this is your remark I am requoting, don't give too much importance to it, if you are sure of what you want in life, you don't have to explain anything to others, it is none of their business any way, just shrug your shoulders and move on! You can't change people...
Also I would like to state, that it is ok to take a break when you marry or have a child after marriage... it is so normal, and thankfully you are in an era where these are recognized as important milestones in life and a women after a break is welcomed back with open arms by the same organizations. With your kind of credentials I don't think you'll ever have any problem getting back to work after a break.

Wishing that you make peace with yourself and the world around you...work is just one part of life. Take care of yourself and all the very best!!

...Read more

Nayagam P

Nayagam P P  |4516 Answers  |Ask -

Career Counsellor - Answered on May 14, 2025

Career
Dear sir, Greetings.My son got a rank 1681 in TSEAPCET examination and wants to study B.Tech (BioTechnology) IN JNTU,Hyderabad.He is a BiPC student in Intermediate.Please guide us regarding the prosperity in Biotechnology and how much it is good for professionwise.And what jobs he will get and how much approximate remuneration he will get.He attended NEET exam also and likely to get a seat in MBBS in B category in Telangana.But he shows inclination towards B.Tech (Bio Technology).His point is Medical stream takes more years to complete with post graduation and super speciality.Please give your opinion.Next point is B.Tech(BioTechnology) started in JNTU only 2 years back.Will there be any disadvantage of lab facilities and infrastructure and if so,how will it affect the student"s educatuion and job skills/understanding in the college.Please guide me. Thanks and Best Regards. NVRSrinivas
Ans: Your son's perception of MBBS is right. So, please avoid MBBS. Given your son’s inclination towards B.Tech Biotechnology and preference for a shorter duration course with an early career start, JNTU Hyderabad’s program is a viable choice with promising career prospects. The biotechnology sector’s growth and interdisciplinary nature offer strong professional opportunities. If he is passionate about biotechnology rather than clinical medicine, this path aligns well with his interests and career timeline. Remuneration depends upon his Profile Buidling during the next 4 years, Upgrading his skills, Researching about Job Market through Professional Social Media like LinkedIn etc.

If desired, he can pursue higher studies (M.Tech, MSc, PhD) later in India/Abroad to enhance expertise and salary potential. Meanwhile, the current job market for biotechnology graduates is expanding, with roles in pharma companies, research labs, healthcare startups, and agricultural biotech firms. Job

This balanced approach respects his preference and ensures a strong foundation for a rewarding career in biotechnology. All the best for your admissions!

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

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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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