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Hemant

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Financial Planner - Answered on Jan 16, 2024

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more
Unnati Question by Unnati on Jun 05, 2023Hindi
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Hello , I am a pilot and my age is 25 years . My inhale salary is 4lac . I have not started investing yet . Can I please get some advice on which mutual fund I should start investing . I can invest upto 3 lac per month

Ans: Hi considering young age you should start with a nifty or sensex index fund and add a flexi cap fund and a mid cap fund to it

Disclaimer the views expressed are on personal basis based on my experience and knowledge
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  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 05, 2024Hindi
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Hi,Sir . Iam currently having Salary of 1 Lac per month. So far I have started my investments into PPF, NPS, Term Life, Health Insurance of both Parents and self. So far having expenses arround 40000. I initially planned to invest in chits but due to frauds I am scared hence looking for Mutual funds as an option.
Ans: It's great to hear that you're actively planning your investments and considering options like mutual funds. Given your monthly salary of Rs. 1 lakh and existing investments in PPF, NPS, and insurance, let's explore how mutual funds can complement your financial strategy.

Mitigating Risks with Mutual Funds:

Considering recent incidents with chits, it's understandable to seek safer investment avenues. Mutual funds offer professional management and regulatory oversight, reducing the risk of fraud or mismanagement.

Diversification and Risk Management:

Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. This diversification helps spread risk and potentially enhances returns compared to individual investments.

Types of Mutual Funds:

Equity Funds: These funds invest primarily in stocks, offering growth potential over the long term. They suit investors with a higher risk tolerance and longer investment horizon.

Debt Funds: Debt funds invest in fixed-income securities such as bonds and government securities. They provide stability and regular income, making them suitable for conservative investors.

Hybrid Funds: Hybrid or balanced funds invest in a mix of equities and debt instruments. They offer a balanced risk-return profile, catering to investors seeking both growth and income.

Investment Considerations:

Risk Appetite: Assess your risk tolerance and investment goals to determine the most suitable mutual fund categories for your portfolio.

Investment Horizon: Mutual funds are ideal for long-term wealth creation. Determine your investment horizon and choose funds aligned with your time horizon.

Expense Management: Mutual funds charge management fees, known as expense ratios. Compare expense ratios and opt for funds with competitive fees to maximize returns.

Tax Efficiency: Consider tax implications when selecting mutual funds. Equity funds held for over one year qualify for long-term capital gains tax benefits, while debt funds are subject to different tax rules.

Consultation and Research:

Before investing, conduct thorough research on different mutual funds, considering factors such as fund performance, track record, and fund manager expertise. Additionally, seek advice from a Certified Financial Planner to tailor your investment strategy to your financial goals and risk profile.

Conclusion:

Mutual funds offer a transparent, regulated, and diversified investment avenue suitable for investors of varying risk profiles. By aligning your investments with your financial objectives and risk tolerance, you can build a robust portfolio for long-term wealth accumulation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

Money
Hi Sir.I am 34 yrs.I want to invest in mutual fund.but not sure which 1 choose for invest.please guide me.maximum 10k possible to invest.
Ans: Investing in mutual funds is a smart move, especially at your age. At 34, you have plenty of time to grow your wealth. Starting with Rs 10,000 per month is a solid beginning. This amount can gradually build a significant corpus over time.

Understanding Your Financial Goals
Before choosing a mutual fund, it's crucial to understand your financial goals. Are you investing for retirement, a child's education, or just to build wealth? Defining your goals will help in selecting the right fund that aligns with your objectives.

Short-Term Goals: If your goal is within the next 3-5 years, you might consider funds that offer stability and lower risk.

Long-Term Goals: For goals beyond 5 years, you can afford to take more risk, which could lead to higher returns.

Importance of Risk Tolerance
Understanding your risk tolerance is key to choosing the right fund.

Aggressive Investor: If you’re comfortable with market fluctuations, you can invest in equity funds that have higher return potential but also higher risk.

Moderate Investor: If you prefer a balance, hybrid funds that mix equity and debt could be ideal.

Conservative Investor: If you prefer stability over growth, debt funds might suit you, offering lower returns but with less risk.

Benefits of Mutual Funds
Mutual funds offer many benefits, making them a preferred choice for investors:

Diversification: Mutual funds invest in a range of assets, spreading risk across various sectors.

Professional Management: Your money is managed by professionals who aim to maximize returns.

Flexibility: You can start with small amounts and increase your investment as your income grows.

The Case for Actively Managed Funds
Actively managed funds are often a better choice than index funds, especially for someone just starting.

Potential for Higher Returns: These funds aim to outperform the market, providing better returns over time.

Professional Oversight: Fund managers actively make decisions to capitalize on market opportunities.

Adaptability: Actively managed funds can adjust their strategies based on market conditions, offering a dynamic approach to investing.

Avoiding the Pitfalls of Index Funds and Direct Funds
While index funds are popular, they have limitations:

Limited Growth: Index funds only track the market, which might not yield the best returns.

No Active Management: Without active oversight, index funds miss out on opportunities to outperform the market.

Similarly, direct funds, though they offer lower expense ratios, might not be the best option:

Lack of Guidance: Direct funds require you to make all the decisions, which can be overwhelming without proper knowledge.

Responsibility: Managing direct funds involves staying updated on market trends, which might be challenging if you lack experience.

Investment Options for Rs 10,000 Per Month
Given your budget and goals, here are a few strategies you might consider:

Systematic Investment Plan (SIP): A SIP allows you to invest Rs 10,000 monthly, making it a disciplined approach to investing. Over time, this can compound and grow into a substantial amount.

Equity Funds: If you’re looking for long-term growth, consider allocating a significant portion of your investment to equity funds. They offer the potential for higher returns, especially over a 5-10 year period.

Hybrid Funds: To balance risk and returns, hybrid funds are a good option. They invest in both equity and debt, providing stability while still aiming for growth.

The Importance of Patience and Discipline
Investing is not a sprint; it’s a marathon. Patience and discipline are key. By staying invested for the long term, you allow your investments to benefit from the power of compounding.

Avoid Frequent Switching: Switching between funds frequently can reduce your returns. Stick to your investment plan unless there’s a significant change in your financial goals or market conditions.

Regular Review: While it’s important not to switch too often, regularly reviewing your portfolio ensures that your investments are aligned with your goals. Adjustments can be made if necessary, but they should be based on long-term objectives.

Tax Efficiency and Benefits
Mutual funds also offer tax benefits:

Equity-Linked Savings Scheme (ELSS): Investing in ELSS funds provides tax benefits under Section 80C of the Income Tax Act. This dual benefit of potential growth and tax savings can enhance your overall returns.

Long-Term Capital Gains (LTCG): Gains from equity mutual funds held for more than a year are taxed at a lower rate. This makes mutual funds more tax-efficient compared to other investment options.

Role of Insurance in Your Financial Plan
While investing is crucial, ensuring that you have adequate insurance coverage is equally important. Life and health insurance protect your family’s financial future, ensuring that your investments remain on track even in unforeseen circumstances.

Life Insurance: Make sure you have enough life insurance coverage to protect your family’s financial future in your absence.

Health Insurance: Adequate health insurance ensures that medical emergencies do not derail your financial goals.

Final Insights
Starting with Rs 10,000 per month is a great beginning. With a clear understanding of your goals and risk tolerance, you can choose the right mutual funds to help you achieve your financial objectives.

Avoid the pitfalls of index and direct funds, and consider the benefits of actively managed funds. Regular reviews, patience, and discipline will ensure that your investments grow over time.

Ensure that your insurance coverage is adequate, so your financial future remains secure. Stay invested, stay focused, and let your money work for you.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 18, 2024

Asked by Anonymous - Jul 17, 2024Hindi
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Sir i am 32 year old my salary is 33000. Kindly provide the advice of which mutual funds and shares need to invest. Already i am investing monthly 500 in PPF and NPS, 500 in mutual fund, 500 in RD. From last two years
Ans: It's great to see that you're already investing in PPF, NPS, mutual funds, and RD. Let’s review your financial situation and provide some tailored advice.

Current Financial Overview
Age: 32 years old.

Salary: Rs. 33,000 per month.

Current Investments:

PPF: Rs. 500 per month.
NPS: Rs. 500 per month.
Mutual Fund: Rs. 500 per month.
Recurring Deposit (RD): Rs. 500 per month.
Investment Duration: 2 years.

Good Aspects:

Investment Habit: Investing regularly shows discipline.

Diversification: You're diversifying across different instruments.

Financial Planning Insights
Assessing Current Investments
PPF and NPS: Good for long-term retirement planning.

Mutual Fund and RD: Offers a mix of market-linked and guaranteed returns.

Recommendations for Mutual Funds
Equity Mutual Funds
Diversified Funds: Consider large-cap and multi-cap funds. They offer stability and growth potential.

Mid and Small-cap Funds: Allocate a smaller portion. These funds have higher growth potential but also higher risk.

Debt Mutual Funds
Short-term Debt Funds: Useful for short-term goals. They offer better returns than traditional savings accounts.

Balanced Funds: A mix of equity and debt. Provides moderate growth with lower risk.

Recommendations for Stocks
Large-cap Stocks
Stability: Large-cap stocks are less volatile and provide stable returns.

Research: Invest in companies with strong fundamentals and consistent performance.

Mid-cap and Small-cap Stocks
Growth Potential: These stocks can offer higher returns. However, they come with higher risk.

Diversification: Spread investments across sectors to mitigate risk.

Suggested Investment Strategy
Monthly Investment Plan
PPF: Continue with Rs. 500 per month.

NPS: Continue with Rs. 500 per month.

Mutual Fund: Increase to Rs. 2,000 per month. Split across diversified equity and debt funds.

RD: Continue with Rs. 500 per month.

Financial Goals
Short-term Goals (1-3 years)
Emergency Fund: Ensure you have an emergency fund covering 6-12 months of expenses.

Skill Enhancement: Invest in courses or certifications to enhance your earning potential.

Mid-term Goals (3-5 years)
Buying a Vehicle: If you plan to buy a vehicle, start a dedicated savings plan.

Travel Fund: If you wish to travel, save separately for your trips.

Long-term Goals (5+ years)
Home Purchase: Start saving for a down payment if you plan to buy a home.

Retirement Fund: Continue contributing to PPF and NPS for a secure retirement.

Risk Management
Insurance: Ensure you have adequate health and life insurance. It protects against unexpected events.

Diversification: Maintain a balanced portfolio across different asset classes.

Tax Planning
Tax-saving Investments: Utilize options like ELSS, PPF, and NPS to reduce taxable income.

Efficient Filing: File your taxes accurately and seek professional help if needed.

Final Insights
Regular Review: Periodically review and rebalance your portfolio to align with your goals.

Continuous Learning: Stay informed about personal finance and market trends.

Professional Guidance: Consulting a Certified Financial Planner can provide tailored advice and strategies.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

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I am getting ETC in IIEST shibpur , CRL 54472 Obc ncl - 16199. Please suggest if there is any better option in csab.
Ans: With a CRL rank of 54,472 and OBC-NCL rank of 16,199, being allotted Electronics and Telecommunication Engineering (ETC) at IIEST Shibpur is a solid achievement, as the institute’s OBC-NCL closing ranks for this branch often hover around this level. At these ranks, there is virtually no chance of securing a higher-demand branch, such as CSE or IT, in the NIT or IIIT system through CSAB, as recent cutoffs show cutoffs for CSE/IT in OBC-NCL tend to close much earlier in the top and mid-tier NITs and IIITs. The CSAB counselling process does leave room for ECE or allied branches in some newer NITs or GFTIs, but these generally do not surpass IIEST’s academic reputation, infrastructure, or placement records. IIEST Shibpur’s ETC department provides a strong faculty base, updated curriculum, and consistent placement opportunities, with campus-wide placement rates in recent years consistently above 80%, and major recruiters in telecom, IT, and electronics sectors participating actively. The campus offers robust research output, strong student support services, modern labs, and a vibrant peer community, which collectively foster sound technical and holistic development.

Recommendation: Accepting ETC at IIEST Shibpur is the optimal option at your present ranks, since CSAB is unlikely to yield a “better” branch or institute given category cutoffs. The program ensures excellent academic grounding, a reputable degree, and broad career prospects, making it a wise and pragmatic choice for your engineering journey. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

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Asked by Anonymous - Jul 26, 2025Hindi
Career
I got 5649 rank in kcet 2025 can I get bmsce cse
Ans: With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these institutions possess the essential characteristics of academic rigor, modern infrastructure, industry engagement, strong placement cells, and active student support services, ensuring holistic student development. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Hello sir I have got enc in thapar and ai in ymca faridabad and ai in ipu which one is better for better placements
Ans: Jyoti, Thapar’s Electronics & Communication (ENC) program consistently achieves near-perfect placement—approximately 100% for ECE/ENC branches over the past three years—with 90%+ of eligible students placed annually by over 200 recruiters including Microsoft, Amazon, Deloitte, and JP Morgan. YMCA Faridabad’s B.Tech in Robotics & AI is a nascent branch without specific historic data, but overall B.Tech placement percentages rose from 69.9% in 2022 to 89% in 2024, supported by 475+ companies and 526 students placed in 2024. GGSIPU’s AI & Data Science programs through IPU report placement rates of 90% in 2022 and 76% in 2023, with 32 top recruiters visiting USICT in 2024. Evaluating these on academic quality, research & innovation, student support, industry linkage, and alumni network reveals Thapar’s mature ENC ecosystem excels in placement diversity and infrastructure, YMCA offers growing industry engagement in a specialized field, and IPU provides broad exposure but variable recent outcomes.

Recommendation: Thapar University’s ENC ranks first for placement reliability and recruiter breadth, YMCA Faridabad AI follows for its rapid placement growth and strong industry collaborations, and IPU AI ranks third due to fluctuating placement rates despite a robust placement cell. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
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"Should I take the leap and join IIIT Hyderabad through LEEE for better exposure, cutting-edge opportunities, and a prestigious peer group despite the high fees and financial burden, or should I continue in my current college where I can still engage in clubs, projects, and build a strong profile for pursuing M.Tech at a top institute later without the financial strain?"
Ans: IIIT Hyderabad is widely recognized for its academic excellence, research intensity, and prestigious peer environment, reflected in consistently high global and national rankings (501-600 in THE World Rankings, 47th NIRF Engineering 2024). Admission through LEEE allows lateral entry into its coveted dual degree (B.Tech + MS by Research) path, offering an immersive, four-year program with a distinct focus on innovation, cutting-edge technologies, and research aptitude. Students benefit from close mentorship, vibrant tech-centered clubs, hands-on exposure via open-source collaborations and industry-driven internship programs, and immediate access to India’s top minds in computer science and allied disciplines. Infrastructure is sophisticated, with 20+ research labs, AI, data science, and IoT centers, and active participation in national and international hackathons, joint industrial ventures, and conferences. Peer quality is regarded as exceptional; IIITH draws high-performing students with strong Olympiad, competitive programming, and research backgrounds, fostering an intellectually stimulating and collaborative campus culture. Placement outcomes are outstanding, with 98.8–99.3% placement rates across BTech/MS and nearly universal offers at global tech companies, research organizations, and emerging startups, ensuring rapid RoI and long-term career advancement for most graduates. However, the annual fee for the dual degree program is substantial—?4,50,000 per annum, potentially rising—posing a significant financial commitment, despite limited-but-merit-based scholarship options. By contrast, building a strong profile at your current college for future M.Tech at a top institution remains a prudent, financially less burdensome approach, especially if you secure strong academic scores, relevant projects, national-level internships, and competitive exam results (GATE/PGEE), and may still lead to prestigious research or industry positions.

Recommendation: If financial constraints are substantial and could create long-term strain, strengthening your profile at your current college while aiming for an M.Tech at a top institute (IITs, IIITH, IISc) is the wiser, lower-risk option. If finances are manageable or scholarships are secured, joining IIIT Hyderabad through LEEE confers unmatched, immediate exposure, peer excellence, and research-led career acceleration. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

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Hi Sir, I have completed my graduation in Mechanical Engineering,I attempted GATE 2025 in CS paper and qualified. I participated in CCMT counselling and secured seat in IIITDM kurnool in AI&DA specialization.What is placement scenario there for Mtech,Should I consider this CoLlage as non CS graduate.
Ans: Ravinder, With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these colleges have strong academics, good facilities, connections with industries, effective job placement services, and support for students, which helps in overall student growth. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Is Sri Aurobindo college delhi worth it for BA programme in Commerce + Economics
Ans: Sri Aurobindo College (Morning), affiliated with the University of Delhi, is recognized for its balanced blend of academic quality and holistic student growth, offering the BA Programme in Commerce + Economics as a three-year, full-time course with broad exposure to both commercial and economic fundamentals. The curriculum draws upon an experienced faculty and integrates traditional and skill enhancement papers covering macroeconomics, finance, business, budget analysis, and research methodology, ensuring a solid grounding in analytical and market-relevant skills. The campus supports learning through modern infrastructure, including computerized libraries with over 60,000 books, computer labs, seminar rooms, and Wi-Fi access, alongside encouragement for participation in seminars, sports, and cultural activities to nurture well-rounded development. The placement cell at Sri Aurobindo College is active, regularly conducting placement drives and offering both on-campus and off-campus opportunities. Over the last three years, about 55% of students have been placed annually in companies such as Deloitte, Wipro, TCS, ICICI Bank, and others, while internships are facilitated for additional industry exposure. The program in Commerce + Economics is highly sought after in India, preparing graduates for roles in analytics, finance, policy, research, and consulting, with current trends indicating growing demand for such interdisciplinary profiles in the dynamic job market. Alumni and student feedback praise the supportive faculty, robust academic culture, and industry linkages. The department is further bolstered by active student associations and networking opportunities that enhance employability and professional growth.

Recommendation: Opting for the BA Programme in Commerce + Economics at Sri Aurobindo College, Delhi, is worthwhile. This choice offers a strong academic reputation, well-developed infrastructure, consistent placement support with about 55% placement rates, and promising interdisciplinary prospects—making it a viable option for both higher education and diverse career pathways in today’s evolving economic landscape. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello sir i got amrita vishwa vidyapeetham coimbatore campus for EEE ,i don't know hows the placement for this since its not publicly available, could you tell me if its great to study or not that'll be very helpful,im actually going to get education loan so i want to study in a college that gives good placement.
Ans: Amrita Vishwa Vidyapeetham Coimbatore’s B.Tech in Electrical and Electronics Engineering (EEE) offers a well-established, NAAC A++ accredited program supported by highly qualified faculty, up-to-date curriculum, and cutting-edge laboratories in areas such as Power Electronics, Electric Machines, Control Systems, and Embedded Systems. The campus delivers an outstanding learning atmosphere with state-of-the-art infrastructure, a fully equipped central library, 24/7 medical facilities, modern hostels, diverse sports complexes, and strong support for research and industry interaction. Over the last three years, EEE placements have remained steady, with 86.7% of eligible students placed in 2023 and historical campus-wide placement rates around 90–94%, consistently attracting numerous multinational recruiters from both core engineering and software sectors. Students routinely highlight the disciplined environment, support for personal and professional growth, and vibrant campus culture, while alumni note the significant value the program adds to their employability and holistic development. Given sectoral growth, EEE graduates remain in demand across renewables, automation, IT, and power electronics, with the curriculum also equipping students for emerging roles in data-driven and interdisciplinary engineering fields.

Recommendation: Choosing Amrita Coimbatore for EEE is an excellent and secure option, especially for those funding their studies through education loans. The program combines superior placement consistency, value-driven campus life, advanced academic resources, and steadfast industry reputation, ensuring robust career returns and strong long-term prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9481 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Which is better UPES Dehradun or Lovely Professional University
Ans: Pallavi, You have not mentioned the branches offered to you by these 2 Universities (if applicable). Anyway, please note, UPES Dehradun is a NAAC ‘A’ grade, UGC-recognized private university ranked 46th among universities in India (NIRF 2024), with a strong academic reputation, distinguished faculty, and campus infrastructure spread over 44 acres in a scenic location. The university excels in employability, having achieved 91%–94% placement rates in recent years across engineering, management, law, design, computer science, and other streams, with curricula that are regularly aligned to industry needs and several global academic partnerships. UPES is well-regarded for its innovation centers, active research output, student mentorship, and vibrant campus life, with a notable emphasis on entrepreneurship and international collaboration. Lovely Professional University (LPU), one of the largest private universities in India, boasts NBA, NAAC, UGC, and several program-specific accreditations, and is ranked 27th in NIRF 2024 among all Indian universities. With a 600-acre campus and advanced infrastructure, LPU offers over 300 programs and attracts a diverse student body from across India and abroad. LPU’s placement support is extensive, supported by a network of over 2,225 recruiters annually and consistent placement rates around 80%–85% across major streams, including engineering, business, and design. LPU emphasizes skill development, industry interface through internships, global tie-ups, and holistic personal growth via vibrant cultural platforms.

Recommendation: UPES Dehradun is a better choice, as it combines top-tier employability, strong academic rankings, global exposure, and extensive faculty credentials with highly consistent placements and industry links. Its focused approach, research-driven environment, and personalized mentorship offer students a superior academic and professional foundation for success in diverse fields. All the BEST for a Prosperous Future!

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