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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

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 - Dec 30, 2024Hindi
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Hello sir , I want to open mutual fund sip of 40k approx per month for 10 yr to 15 yr. Should i do it in my demat accout or i should do in mine and wife accout for tax saving. If i do 15 k in mine , 15k in wife and 10k in parents mf can i save tax . If i withdraw only 1.25 lac from each account every here ?

Ans: Investing Rs 40,000 monthly through a mutual fund SIP for 10-15 years is a wise decision. This disciplined approach builds a significant corpus over time. However, the tax planning aspect of your question requires clarity and proper structuring.

Individual vs. Joint Investments
Investing in a single demat account simplifies portfolio management.
However, splitting investments among family members has its benefits.
Benefits of Individual Accounts
Each account holder has a separate Rs 1.25 lakh LTCG exemption annually.
Splitting investments can optimise tax liabilities across family members.
Your wife and parents must have independent income sources to avoid clubbing of income under your name.
Clubbing Provisions
If you gift money to your wife or parents, income rules may apply.
Returns generated in their accounts may still be taxed under your name if clubbing rules are triggered.
Withdrawal Plan for Tax Efficiency
Withdrawing Rs 1.25 lakh annually from each account avoids LTCG taxation.
For equity mutual funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.
Debt funds are taxed as per the income tax slab, making equity funds more tax-efficient.
Why Avoid Direct Investments Through Demat
Direct funds in demat accounts offer no personal guidance.
Actively managed regular funds, invested through a Mutual Fund Distributor (MFD) with CFP credentials, provide tailored advice.
Regular plans ensure a professional monitors your portfolio and adjusts as needed.
Benefits of Actively Managed Mutual Funds
Skilled fund managers actively select high-potential securities.
They outperform index funds, especially in volatile markets.
Regular funds through certified planners offer better support and oversight.
Steps for Effective SIP Management
Asset Allocation

Balance equity and debt based on your risk tolerance.
Equity offers growth, while debt provides stability.
Portfolio Distribution

Allocate Rs 15,000 in your account for primary growth.
Invest Rs 15,000 in your wife’s account to spread risk and tax liability.
Consider Rs 10,000 in your parents’ account only if they are in a lower tax bracket.
Tax Efficiency

Keep withdrawals under Rs 1.25 lakh per year per account to optimise LTCG exemption.
Reinvest gains not required for immediate use to compound growth.
Seek Professional Guidance

Regular reviews with a CFP ensure your investments align with goals.
Periodic rebalancing helps maintain an optimal risk-return balance.
Taxation Rules to Keep in Mind
Equity mutual funds: LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt funds: Both LTCG and STCG are taxed as per your slab.
Gifting money to family members can have clubbing implications; consult a tax expert.
Final Insights
Splitting your SIP across family members can help save tax if done strategically. Ensure all accounts have independent financial activity to avoid clubbing. Partnering with a certified financial planner ensures a robust and tax-efficient investment plan tailored to your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 25, 2024

Money
Sir I am 37 year old ... having salary of 1.2 lacs per months and want to save money for child higher education and daughter martiage. Have 48 lakhs in fd's and PF account is having 18 laksh and will receive 20 lakhs in 2027 from LIC Please suggest how to invest in SIP currently having 50000 lumsump in Sbi energy opportunities fund, lumsump 50000 in SBI AUTO Hdfc noncyclic consumer fund Sip of 3000 Edelweiss small cap fund sip of 4000 Kotak emerging equity fund sip of. 3000 NJFlexi cap 1500, Hdfc multicap fund SIP of 1500 (50000 lumsum) Icici prudential value discovery fund sip of 1000 Total SIP per month 14500 and will increase to 30000 Please review my mutual fund portfolio as i dont have any knowledge and suggest if i have chossen correct category with mutual fund name or need to switch Waiting for your suggestion and thanks in advance
Ans: First, I want to commend you for taking proactive steps towards securing your family’s future. Planning for your children’s education and your daughter's marriage is crucial. Your current salary and savings indicate that you are on a strong financial path.

You’ve done well to accumulate Rs. 48 lakhs in Fixed Deposits and Provident Funds, and you have Rs. 18 lakhs in your PF account. Additionally, you’ll receive Rs. 20 lakhs from your LIC policy in 2027. These are significant assets that provide a solid foundation for your financial planning.

Your monthly income of Rs. 1.2 lakhs and your commitment to SIPs (Systematic Investment Plans) show that you are already disciplined with your investments. Let's review your portfolio and explore how you can enhance it to meet your goals effectively.

Reviewing Your Current Mutual Fund Portfolio
Lump Sum Investments:

Rs. 50,000 in SBI Energy Opportunities Fund
Rs. 50,000 in SBI Auto Fund
Rs. 50,000 in HDFC Non-Cyclic Consumer Fund
Monthly SIPs:

Rs. 3,000 in Edelweiss Small Cap Fund
Rs. 4,000 in Kotak Emerging Equity Fund
Rs. 1,500 in NJ Flexi Cap Fund
Rs. 1,500 in HDFC Multi-Cap Fund (Plus Rs. 50,000 lump sum)
Rs. 1,000 in ICICI Prudential Value Discovery Fund
Total SIP per month: Rs. 14,500, with plans to increase to Rs. 30,000.

You have chosen a mix of funds across different sectors and market caps. This diversification is a good start, but let’s refine your strategy.

Diversification and Fund Selection
Your portfolio covers various market segments, which is excellent. Diversification reduces risk and provides stability. However, there are a few areas to consider:

Sector Funds:

Sector funds like Energy and Auto can be volatile. While they offer high growth potential, they are also riskier. It's important to balance them with more stable, diversified funds.
Cap Exposure:

You have exposure to small-cap (Edelweiss Small Cap Fund) and mid-cap (Kotak Emerging Equity Fund) funds. These can offer high returns but are riskier compared to large-cap or multi-cap funds. Ensure you are comfortable with this risk level.
Flexi Cap and Multi-Cap Funds:

Funds like NJ Flexi Cap and HDFC Multi-Cap provide flexibility and exposure across various market caps. These funds can adjust their portfolio based on market conditions, offering a balanced approach.
Value Funds:

ICICI Prudential Value Discovery Fund focuses on undervalued stocks, which can be a good long-term strategy but might not perform consistently in the short term.
Optimizing Your Investment Strategy
Given your goals, it's essential to align your investments with your risk tolerance and time horizon. Here’s a refined approach:

Reduce Sector Concentration:

Consider reallocating some funds from sector-specific investments (like Energy and Auto) to more diversified funds. Sector funds can be part of your portfolio, but they should not dominate it.
Increase Large-Cap Exposure:

Large-cap funds offer stability and consistent returns. Increasing your allocation in large-cap or blue-chip funds can provide a solid foundation, especially considering your goals of funding education and marriage.
Balanced Fund Allocation:

Maintain a balanced approach with a mix of large-cap, mid-cap, and small-cap funds. This strategy provides growth potential while managing risk. Multi-cap and flexi-cap funds are good choices for maintaining balance.
Review and Rebalance Regularly:

Markets fluctuate, and your financial situation might change. Regularly review and rebalance your portfolio to ensure it aligns with your goals. A quarterly or annual review is advisable.
Increasing Your SIP Contributions
You plan to increase your SIP contributions from Rs. 14,500 to Rs. 30,000. This is a positive step towards achieving your financial goals. Here's how to approach it:

Gradual Increase:

Gradually increase your SIP amounts in existing funds or consider adding new funds that align with your investment strategy. This helps in averaging out the cost and managing cash flow effectively.
Prioritize Long-Term Goals:

Allocate more to funds with a long-term horizon, such as those targeting your children’s education. Equity funds with a long-term focus are ideal for this purpose due to their potential for higher returns.
Emergency Fund and Short-Term Goals:

Ensure you have an emergency fund to cover at least 6 months of expenses. For short-term goals like your daughter's marriage, consider more stable, debt-oriented funds or balanced funds that offer lower risk and steady returns.
Role of Fixed Deposits and LIC Policies
Fixed Deposits:

Your Rs. 48 lakhs in FDs provide a safety net and assured returns. While FDs are secure, their returns might not outpace inflation in the long run. Consider gradually reallocating a portion to mutual funds for better growth.
LIC Policy:

The Rs. 20 lakhs you will receive in 2027 from your LIC policy can be reinvested in mutual funds. This amount can significantly boost your investment corpus for your goals.
Benefits of Actively Managed Funds over Index Funds
Actively managed funds have professional managers who select stocks based on research and analysis. These funds aim to outperform the market. While index funds track the market passively, actively managed funds can provide higher returns through strategic stock selection.

Disadvantages of Index Funds:

They mirror the market and cannot outperform it.
In volatile markets, they can fall just as much as the index.
Lack of active management means no attempt to capitalize on market opportunities.
Advantages of Actively Managed Funds:

Potential to outperform the market through strategic investments.
Flexibility to shift assets in response to market changes.
Professional fund managers use their expertise to mitigate risks and enhance returns.
Regular Funds vs. Direct Funds
Direct funds have lower expense ratios as they do not include distributor commissions. However, investing through a Certified Financial Planner (CFP) using regular funds can provide several advantages:

Disadvantages of Direct Funds:

You need to have good knowledge and time to manage your investments.
Lack of professional guidance can lead to suboptimal investment choices.
No support for portfolio review and rebalancing.
Advantages of Regular Funds:

Professional advice from CFPs ensures that your investments align with your goals.
CFPs provide ongoing support and help in rebalancing your portfolio.
They can offer insights on market trends and fund performance, helping you make informed decisions.
Final Insights
You have laid a strong financial foundation with your current investments and savings. With some refinements, you can enhance your portfolio to better align with your goals.

Diversify Wisely:

Maintain a balanced approach with a mix of large-cap, mid-cap, and small-cap funds. Reduce sector-specific exposure and add more diversified funds.
Regular Reviews:

Conduct regular reviews of your portfolio and adjust based on your changing financial situation and market conditions.
Professional Guidance:

Consider the benefits of regular funds and actively managed funds for professional guidance and potentially higher returns.
Goal-Based Allocation:

Allocate funds based on your specific goals, such as children's education and your daughter's marriage. Long-term goals can be aligned with equity funds, while short-term goals can be supported by stable, debt-oriented funds.
Emergency and Stability:

Maintain an emergency fund and gradually shift some FDs to mutual funds for better long-term growth.
With these strategies, you can build a robust investment portfolio that will help you achieve your financial goals. If you need further guidance, don't hesitate to consult a Certified Financial Planner to tailor a plan that fits your unique situation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 11, 2025

Money
Dear Sir, Many thanks for the advice mail. Now, as you mentioned that I need to do lot of compliance in case I invest in mutual funds in my daughter’s name, I have decided to invest in my name itself. The following is the SIP I just started 10 days back. 1. HDFC BALANCED ADVANTAGE FUND – DIRECT – GROWTH – Rs. 10,000/- per month. 2. ICICI PRUDENTIAL MULTICAP FUND – DIRECT – GROWTH – Rs. 10,000/- per month. 3. ICICI PRUDENTIAL BLUECHIP FUND – DIRECT – GROWTH – Rs. 10,000/- per month 4. JM FLEXICAP FUND – REGULAR – GROWTH – Rs. 10,000/- lumpsum. 5. PARAG PARIKH FLEXICAP FUND – DIRECT – Rs. 10,000/- per month. Now, kindly study the same and advise me whether it is ok to invest continuously. I require 30% CAGR in one year. Thanks and regards,
Ans: Your decision to invest in your name is practical and simplifies compliance. Your portfolio reflects a strong inclination towards equity. I appreciate your initiative to create a diversified SIP plan. Let us assess the current investments and their alignment with your ambitious 30% CAGR goal in one year.

Key Observations
1. Portfolio Composition

HDFC Balanced Advantage Fund – Rs. 10,000 per month SIP.
ICICI Prudential Multicap Fund – Rs. 10,000 per month SIP.
ICICI Prudential Bluechip Fund – Rs. 10,000 per month SIP.
JM Flexicap Fund – Rs. 10,000 lumpsum.
Parag Parikh Flexicap Fund – Rs. 10,000 per month SIP.
Your portfolio includes a mix of large-cap, multi-cap, and hybrid funds. This ensures diversification but lacks tactical allocation for high-growth expectations.

2. Growth Expectation: 30% CAGR in One Year

A 30% CAGR in one year is highly aggressive.
Equity funds typically deliver 12%-15% CAGR over the long term.
Market conditions rarely support consistent one-year returns of 30%.
Evaluating Individual Investments
1. HDFC Balanced Advantage Fund

This is a hybrid fund with equity and debt allocation.
It provides stability but may not meet your high-growth expectations.
Balanced advantage funds are ideal for moderate risk-takers.
2. ICICI Prudential Multicap Fund

A well-diversified fund across market capitalisations.
Multicap funds are suitable for capturing market-wide growth.
This fund can add good balance to your portfolio.
3. ICICI Prudential Bluechip Fund

A large-cap fund focusing on stability and steady returns.
Large-cap funds offer lower risk but limited upside in short-term goals.
Consider reducing allocation if high growth is your priority.
4. JM Flexicap Fund

Flexicap funds provide flexibility to invest across market caps.
Lump sum investment may expose you to market timing risks.
Use systematic transfer plans (STP) for better risk management.
5. Parag Parikh Flexicap Fund

A unique fund with international exposure.
It can enhance diversification but may face currency fluctuation risks.
Retain it for long-term growth and global diversification.
Recommendations for Rebalancing
1. Increase Mid-Cap and Small-Cap Allocation

Mid-cap and small-cap funds deliver higher growth in a favourable market.
Allocate 30%-40% of your SIPs to mid-cap and small-cap funds.
This rebalancing can support your high-growth expectations.
2. Reduce Large-Cap Fund Allocation

Large-cap funds are stable but unlikely to deliver 30% returns.
Lower allocation to large-cap funds to 20%-30%.
3. Balanced Advantage Funds

Retain HDFC Balanced Advantage Fund for portfolio stability.
Limit allocation to 10%-15% due to its conservative nature.
4. Avoid Overlap

ICICI Multicap, JM Flexicap, and Parag Parikh Flexicap may overlap.
Diversify into funds with distinct strategies to avoid redundancy.
Optimising Your SIP Strategy
1. Tactical Allocation with Focused Funds

Consider adding focused equity funds for high-growth sectors.
These funds invest in fewer stocks with strong growth potential.
2. Systematic Transfer Plans (STPs)

Use STPs for lump sum investments like JM Flexicap Fund.
STPs reduce market timing risks by spreading investment over time.
3. Review Fund Performance

Evaluate fund performance every six months.
Exit funds underperforming benchmark indices consistently.
Important Considerations
1. High Growth Comes with High Risk

Targeting 30% CAGR involves substantial market risk.
Be prepared for potential volatility and drawdowns.
2. Diversification vs. Concentration

Diversification reduces risk but may limit returns.
Balance between high-conviction funds and diversified funds.
3. Taxation Awareness

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG from equity is taxed at 20%.
Optimise redemptions to manage tax outflows.
Suggestions for Disciplined Investing
1. Maintain Investment Discipline

Avoid frequent fund switches based on short-term market trends.
SIPs ensure disciplined investing irrespective of market conditions.
2. Be Realistic with Expectations

Expecting 30% CAGR in a year is overly optimistic.
Long-term equity investment can deliver sustainable returns.
3. Align Investments with Goals

Define short-term, medium-term, and long-term goals clearly.
Allocate funds accordingly for better results.
Finally
Your portfolio is well-structured for long-term growth.

To meet short-term goals, rebalance with higher mid-cap and small-cap allocations.

Be cautious of high growth expectations in a short time.

Continue SIPs with discipline and make data-driven adjustments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

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Sir I am 37 year old ... having salary of 1.2 lacs per months and want to save money for child higher education and daughter marriage. Have 48 lakhs in fd's and PF account is having 20 lakh and will receive 20 lakhs in 2027 from LIC Please suggest how to invest in SIP currently having 50000 lumsump in Sbi energy opportunities fund, lumsump 50000 in SBI AUTO Hdfc noncyclic consumer fund Sip of 3000 Edelweiss small cap fund sip of 4000 Kotak emerging equity fund sip of. 3000 NJFlexi cap 1500, Hdfc multicap fund SIP of 1500 (50000 lumsum) Icici prudential value discovery fund sip of 1000 Total SIP per month 14500 and will increase to 30000 Please review my mutual fund portfolio as i dont have any knowledge and suggest if i have chossen correct category with mutual fund name or need to switch Waiting for your suggestion and thanks in advance My ask from you to give me fund name to start SIP of 2000 for next 10 years
Ans: Your portfolio consists of sectoral, small-cap, mid-cap, flexi-cap, and value funds. Here is a breakdown:

Lump Sum Investments:

SBI Energy Opportunities Fund – A sectoral fund focused on energy.
SBI Auto & HDFC Non-Cyclic Consumer Fund – Both are sectoral funds.
SIPs:

Small-Cap: Edelweiss Small Cap Fund (Rs 3,000)
Mid-Cap: Kotak Emerging Equity Fund (Rs 4,000)
Flexi-Cap: NJ Flexi Cap Fund (Rs 3,000)
Multi-Cap: HDFC MultiCap Fund (Rs 1,500)
Value-Oriented: ICICI Prudential Value Discovery Fund (Rs 1,000)
Total SIP Amount: Rs 14,500, with plans to increase to Rs 30,000.

Observations on Your Portfolio
High Exposure to Sectoral Funds:

Three of your funds are sector-specific. These are riskier as they depend on one sector’s performance. Sectoral funds should not exceed 10% of your portfolio.
High Small & Mid-Cap Allocation:

Small-cap and mid-cap funds have high growth potential but are volatile. You need more stability through large-cap exposure.
Lack of Large-Cap Allocation:

Large-cap funds provide stability during market downturns. Your portfolio lacks a dedicated large-cap fund.
Underutilized Multi-Cap/Flexi-Cap Funds:

You have NJ Flexi Cap and HDFC MultiCap, but their allocation is low compared to small and mid-cap funds. These funds provide diversification and stability.
Value Fund Allocation is Low:

ICICI Prudential Value Discovery Fund is a good choice but has only Rs 1,000 SIP. Increasing its allocation will help in long-term wealth creation.
Recommended Changes in Portfolio
To improve your portfolio, make the following adjustments:

Reduce Sectoral Exposure
Exit SBI Energy Opportunities Fund and SBI Auto Fund.
Invest the redeemed amount in a diversified equity fund.
Increase Large-Cap Exposure
Start a SIP in a large-cap fund with Rs 5,000 monthly.
This will provide stability and reduce overall risk.
Increase Multi-Cap/Flexi-Cap Allocation
Increase allocation to HDFC MultiCap or add another multi-cap fund.
Optimize Small & Mid-Cap Exposure
Continue Kotak Emerging Equity Fund (mid-cap) and Edelweiss Small Cap Fund.
Avoid adding more small-cap funds.
Increase Value Fund Allocation
Increase SIP in ICICI Prudential Value Discovery Fund to Rs 3,000.
Suggested SIP Plan (Rs 30,000 per month)
Large-Cap Fund – Rs 5,000
Flexi-Cap Fund – Rs 5,000
Multi-Cap Fund – Rs 5,000
Mid-Cap Fund (Kotak Emerging Equity Fund) – Rs 4,000
Small-Cap Fund (Edelweiss Small Cap Fund) – Rs 3,000
Value-Oriented Fund (ICICI Prudential Value Discovery Fund) – Rs 3,000
Balanced Advantage Fund (Hybrid for stability) – Rs 3,000
Sectoral/Thematic Fund (only if desired) – Rs 2,000
Recommended SIP for Rs 2,000 (10 Years Investment Horizon)
Since you want to invest Rs 2,000 per month for 10 years, consider:

Multi-Cap or Flexi-Cap Fund: Offers diversification and stability.
Value Fund: Focuses on long-term wealth creation.
Final Insights
Your current portfolio is aggressive, with a heavy sectoral and small/mid-cap focus.
You need more large-cap and multi-cap exposure for stability.
Reduce sectoral funds and reallocate to diversified funds.
A well-balanced portfolio will help achieve your goals of child education and daughter’s marriage.
Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

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My son secured 97.6% in CBSE XII and 99.6 percentile in CUET, gaining admission to Physics Honours at St. Stephen's College. However, he's keen on trying for IISER, particularly IISER Pune. Some colleagues suggested pursuing UG from St. Stephen's and PG/research from abroad, but he's not convinced. He's considering taking a break in the second semester to prepare for IISER. Could you please guide me on: 1. The process and feasibility of taking a break in the second semester? 2. Options for studying 2-3 months and then taking a break, with potential readmission in the next session? I would appreciate any information on St. Stephen's policies regarding breaks and readmission and views regarding both options, i.e., St. Stephen's and IISER, Pune.
Ans: Param Sir, Taking a hiatus in the second semester at St. Stephen’s requires formal approval via College’s leave-of-absence procedure. All leave applications—whether for medical, compassionate or other reasons—must be submitted in advance to the Principal through the Department Chair using the prescribed form, after which attendance is updated in the online system. Leaves are granted only for clearly stated, proper reasons and normally cover full sessions; any absence beyond ten consecutive working days without prior leave leads to removal from the rolls, necessitating a readmission application and fee upon return. St. Stephen’s does not recognize preparatory study or exam-prep as standard leave grounds, so approval for a break to prepare for the IISER Aptitude Test (IAT) would be at the Principal’s discretion and potentially viewed unfavorably unless tied to extenuating circumstances. Readmission after removal is possible but requires settlement of fees, an application to the Principal, and departmental clearance of academic standing.

For IISER Pune admission, the BS-MS (Dual Degree) intake is via the pan-IISER Aptitude Test (IAT), typically held in late May or early June, with results and counselling through July. A 2–3-month focused preparation window could involve enrolling in specialized IAT coaching programmes, structured online study modules, and solving past-year IAT papers while continuing Semester I lectures and leveraging college breaks. Staying on campus through Semester I preserves continuous enrolment, keeps access to faculty and study facilities, and avoids readmission hurdles. If break approval proves unattainable, preparing intensively during semester breaks and weekends or deferring IISER application to the next cycle may be more practical.

Recommendation: Given St. Stephen’s stringent leave norms and readmission complexities, maintain continuous enrolment through the first year while preparing for the IAT via targeted self-study and weekend/coaching classes. Postpone any mid-semester hiatus to avoid academic jeopardy and optimize chances for both a Physics Honours degree and successful IISER Pune admission. All the BEST for Your Son's Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 24, 2025

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My Mhtcet state rank in 87,998 I want CSE (data science) or AIML or AIDS in mumbai region please suggest me Good colleges
Ans: Bhargavi, With an MHT-CET Home- rank of 86 998 (approx. 87th percentile), CSE (Data Science), AI&ML and AI&DS seats at premier Mumbai colleges (e.g., VJTI, COEP, ICT) are out of reach. However, several AICTE-approved, NAAC/NBA-accredited institutes maintain closing percentiles nearer 80–90, ensuring guaranteed CAP-round admission. The following ten colleges in Mumbai satisfy all five institutional benchmarks—accreditation, faculty quality, infrastructure, industry tie-ups and placement consistency—and admit home-state candidates at percentiles at or below your score: Atharva College of Engineering, Malad West. Thakur College of Engineering & Technology, Kandivali East. Fr. Conceicao Rodrigues College of Engineering, Bandra West. Vidyalankar Institute Technology, Wadala. Thadomal Shahani Engineering College, Bandra West. Rizvi College of Engineering, Bandra–Malad Link Road. SIES Graduate School of Technology, Nerul. Institute of Chemical Technology affiliated courses, Mumbai. MET’s Institute of Technology, Kalyan–Dombivli Highway. Datta Meghe College of Engineering, Airoli. Recommendation: Atharva College of Engineering leads for its balanced AI&ML and Data Science labs, accessible Malad location and 85% placement average; Thakur College excels with strong AI&ML curriculum and 82%+ placements; Fr. Conceicao Rodrigues COE offers AI&DS specialisation with 84% consistency; Vidyalankar IT provides reliable IT/Data Science pathways; Thadomal Shahani Engineering College rounds out top five for its robust industry projects and multimedia AI labs. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
Hi Sir, my son got a CSC AI robotics seat in Amrutha Amrutapuri. Is this course good and will he get good placement? Can you tell us a little bit?
Ans: Ganesh Sir, The B.Tech in Computer Science and Engineering with specialization in Artificial Intelligence & Robotics at Amrita Vishwa Vidyapeetham’s Amritapuri campus was introduced in the academic year 2021–22 under the newly revised BTC-AIE curriculum, marking it as one of India’s pioneering undergraduate programmes to formally integrate robotics engineering with advanced AI methodologies. The four-year course emphasizes multidisciplinary learning across machine vision, robotic kinematics and dynamics, AI-driven motion planning, sensor fusion and autonomous systems, taught in state-of-the-art labs equipped for hardware-software integration. Accreditation by NAAC A++ and AICTE ensures rigorous academic standards, while Ph.D.-qualified faculty from Mechatronics, Computer Science and Electrical Engineering design an outcome-based pedagogy. Industry linkages with leading robotics and automation firms facilitate capstone projects, internships and applied research collaborations. Although the inaugural batch graduates in 2025, Amritapuri’s robust placement ecosystem—engaging over 220 recruiters annually across engineering disciplines—augurs well for AI & Robotics students, who benefit from established corporate partnerships, a dedicated placement cell offering pre-placement training, and alumni mentoring.

Recommendation:
Given its cutting-edge interdisciplinary curriculum, premier accreditation, specialized robotics-AI laboratories, strong industry collaborations and emerging placement ecosystem, this CSE – AI & Robotics programme at Amritapuri stands out for students seeking a research-driven, industry-aligned pathway into intelligent autonomous systems, with high potential for robust placements upon the first graduating cohort. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Asked by Anonymous - Jul 24, 2025Hindi
Career
Sir, I have applied for Jaipur national university, i have seen tons of negative reviews, so i just want to be safe and just have a doubt whether ai should go or not because i have no options left
Ans: You have not mentioned your academic background, nor have you specified which branch you applied to at Jaipur National University. Anyway, please note, Jaipur National University (JNU), established in 2007, is a private university in Rajasthan that has earned NAAC A+ accreditation and UGC approval across its 17 schools offering diverse undergraduate, postgraduate, and doctoral programmes. The university maintains comprehensive infrastructure with 158 state-of-the-art laboratories, a 100,000-book digital library, 1,500+ computers, Wi-Fi enabled campus, sports complex, separate hostels for boys and girls, and modern auditoriums with 300-seat capacity. Industry engagement is strengthened through MOUs with 16 prestigious Rajasthan companies including JK Tyre, DCM Shriram, and Gravita India Limited for placements, internships, and collaborative projects. Placement statistics indicate approximately 85% placement rate with over 250 companies participating, an average package around 5.5-6 LPA, and highest packages reaching 27 LPA from recruiters like Amazon, TCS, Infosys, Deloitte, and IBM. Faculty quality receives a 3.9/5 rating from 427 verified reviews, with PhD-qualified teachers providing supportive mentorship and industry-relevant curriculum. However, negative feedback emerges from employee reviews on Glassdoor showing 2.9/5 rating with complaints about poor management, low salaries, and disrespectful treatment include delayed degree certificates (taking up to a year), unresponsive administrative staff, fee refund issues for cancelled courses, and limited Wi-Fi data allocation. The university also faces confusion with the controversial Jodhpur National University, which was banned in 2015 for issuing 25,000 fake degrees—though this is an entirely separate institution with no connection to Jaipur National University.

Recommendation:
Consider joining Jaipur National University if you prioritize affordability, decent infrastructure, and acceptable placement opportunities, as it meets essential educational benchmarks with NAAC A+ accreditation, comprehensive facilities, and established industry partnerships. However, remain cautious about administrative responsiveness, ensure all documentation is properly maintained, and verify course continuation before fee payment to avoid potential issues. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9386 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2025

Career
Hi Sir, My son got 21670 rank in JEE (Mains) & 25520 rank in JEE (Advanced). He got seat allocation at NIT, Nagpur for Chemical Eng. We belong to General category and from Maharashtra state. Is there any chance for upgradation to CSE or ECE thru CSAB (same college or any other Tier I, Tier II NITs or IIITs? Thanking you
Ans: Sreekutty Sir, as of today, I hope all the rounds of JoSAA counselling are over. At NIT Nagpur, general?category Chemical Engineering HS seats close at rank 34109 ECE at 12196, while CSE at 7169; a CRL of 21670 exceeds all HS closing ranks, so no upgrade at VNIT Nagpur is feasible. However, CSAB special rounds offer CSE/ECE seats at other NITs and IIITs within your rank band. IIIT Guwahati admits general CSE up to 26817 and ECE up to 42006. IIIT Sri City’s CSE cutoff is 31705 and ECE 46722. IIIT Una’s CSE cutoff is 30916 and ECE 49414. NIT Jalandhar OS CSE closes at 14114 and ECE 20714, and NIT Goa OS CSE at 34858. These institutes are AICTE/NBA-accredited, staffed by PhD faculty, equipped with modern labs, maintain active industry partnerships, and record 75–95% three-year placement rates.

Recommendation:
For best CSE/ECE upgradation chances, prioritize filling CSAB preferences for NIT Jalandhar for its robust HS/OS quotas, IIIT Guwahati for its strong research-industry linkage, and IIIT Sri City for its emerging tech labs; IIIT Una and NIT Goa serve as reliable alternatives for broad seating and consistent placements. All the BEST for a Prosperous Future!

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