Home > Money > Question
Need Expert Advice?Our Gurus Can Help

How can I save for my dream home on a 35,000 salary?

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 10, 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
Suchithra Question by Suchithra on Mar 07, 2025Hindi
Listen
Money

Hello...I am planning to construct a home in next 5 years. My monthly salary is only 35000. I dont have any idea how to make my dream into a success. Please give me an idea how I can save my money to make a home with a budget of 30 lakhs.

Ans: Building a home is a big financial goal. You want to construct a house worth Rs 30 lakh in 5 years. Your monthly salary is Rs 35,000. With the right savings and investment plan, you can make this dream a reality.

 

Step 1: Understanding the Total Budget Requirement
The house construction cost is Rs 30 lakh.

You will need to save or arrange this amount in 5 years.

Costs may increase due to inflation.

Having a buffer amount is important for unexpected expenses.

 

Step 2: Evaluating Your Savings Capacity
Your monthly income is Rs 35,000. The goal is to save a portion consistently.

 

First, identify your essential monthly expenses.

Reduce unnecessary spending to increase savings.

The more you save, the less you need to borrow.

 

Step 3: Creating a Dedicated Home Fund
Open a separate investment account for home savings.

Invest in growth-oriented mutual funds.

Avoid keeping all money in fixed deposits due to lower returns.

 

Step 4: Choosing the Right Investment Strategy
A 5-year investment plan should have a balance of growth and safety.

 

1. Avoid Index Funds and ETFs
Index funds cannot adjust to market risks.

Actively managed funds perform better in volatile markets.

 

2. Avoid Direct Mutual Funds
Direct funds need market tracking and knowledge.

Investing through a Certified Financial Planner (CFP) ensures proper management.

 

3. Maintain Liquidity for Construction Costs
Keep some funds in liquid investments for easy access.

Avoid locking money in long-term illiquid assets.

 

Step 5: Considering a Home Loan as an Option
If saving Rs 30 lakh is difficult, a home loan can help.

 

Banks may provide up to 80% of the home cost.

Your EMI should not exceed 40% of your income.

Higher down payment reduces loan burden.

A shorter loan tenure saves interest costs.

 

Step 6: Cutting Expenses to Boost Savings
Reduce unnecessary spending like eating out and entertainment.

Avoid impulse purchases.

Use discounts and cashback options to save more.

A simple lifestyle today helps in building your dream home sooner.

 

Step 7: Reviewing Your Plan Every Year
Track savings and investments regularly.

Adjust plans if income increases or expenses change.

Consult a Certified Financial Planner (CFP) for guidance.

 

Finally
A Rs 30 lakh home in 5 years is possible with proper planning. Focus on consistent savings, smart investments, and controlled spending. If needed, a home loan can bridge the gap. With discipline and patience, your dream home can become a reality.

 

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 2024

Listen
Money
Hi sir, I want to buy a house but my bad I had no knowledge of saving money and till date not done any!!! I am 34 yrs and working in manufacturing industry, have two daughters aged 4 and 15 months old!! Can u please help me ???? and give the best ways to save money and have house.... My CTC is 9.63LPA.
Ans: It's great that you're looking to start saving for a house despite not having done so in the past. Here's a step-by-step guide to help you get started:

Create a Budget: Begin by tracking your monthly expenses and income. This will give you a clear picture of where your money is going and where you can cut back to save more.

Set Savings Goals: Determine how much you need for a down payment on your house. Factor in other expenses like closing costs, moving expenses, and any repairs or renovations you may need to make.

Emergency Fund: Before you start saving for your house, ensure you have an emergency fund to cover unexpected expenses like medical bills or car repairs. Aim for 3-6 months' worth of living expenses.

Automate Savings: Set up automatic transfers from your salary account to a separate savings account dedicated to your house fund. This will help you save consistently without having to think about it.

Cut Expenses: Look for areas where you can cut back on expenses to free up more money for savings. This could include dining out less, cancelling unused subscriptions, or finding cheaper alternatives for everyday expenses.

Increase Income: Consider ways to increase your income, such as taking on a side hustle or exploring opportunities for career advancement or higher-paying jobs.

Explore Government Schemes: Look into government schemes or subsidies available for first-time homebuyers in your area. These programs may offer financial assistance or lower interest rates on home loans.

Consult a Financial Advisor: Consider consulting with a financial advisor who can help you create a personalized savings plan tailored to your financial situation and goals.

Remember, saving for a house is a long-term goal that requires patience and discipline. Stay focused on your objectives, and celebrate small victories along the way. With determination and smart financial planning, you can achieve your dream of homeownership for your family.

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Listen
Money
Hi I'm 29 yrs old man with salary of 60k month, I wish to built a house by 2-3yrs from now and create a wealth for my retirement by 40 yrs of age, plz help me through it how should I be able to do that?
Ans: It's fantastic that you're thinking ahead and planning for your future. Building a house and creating wealth for retirement are significant goals, and with careful planning, you can achieve them. Here's some guidance to help you along the way:

Firstly, consider starting by creating a detailed financial plan outlining your current financial situation, your goals, and a roadmap to achieve them. This will help you stay organized and focused on your objectives.

To save up for your house in 2-3 years, you'll need to start setting aside a portion of your monthly income. Calculate how much you'll need for the down payment and closing costs, and then work out how much you need to save each month to reach that goal.

Consider investing your savings in low-risk, liquid instruments like fixed deposits or short-term debt funds to ensure that your money is easily accessible when you're ready to buy your house.

For your retirement goal, starting early is key. Since you're aiming to retire by 40, you'll need to prioritize saving and investing aggressively. Maximize contributions to retirement accounts like the Employee Provident Fund (EPF) or the National Pension System (NPS) to take advantage of tax benefits and long-term growth potential.

Additionally, consider investing in a diversified portfolio of equity mutual funds or stocks to build wealth over the long term. While the stock market can be volatile, historically, it has provided higher returns compared to other asset classes over extended periods.

Regularly review and adjust your financial plan as needed to stay on track towards your goals. Remember, consistency and discipline are crucial when it comes to achieving financial success.

Keep up the great work, and don't hesitate to seek advice from a Certified Financial Planner if you need assistance in fine-tuning your financial strategy.

Best of luck on your journey to homeownership and retirement!

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 27, 2024

Asked by Anonymous - Dec 25, 2024Hindi
Money
Hi I am 27 newly married with a salary of 2lakhs per month in bengalore and my wife earns 1.5 lakh. We are planning to buy a house but currently we do not have any saving as we spent it on the wedding. We can afford the emis but without any savings currently we are not able to proceed. Also we are planning to buy a house of around 1.5cr so want to save up around 40-50 lakhs before we can proceed. Can you please guide me accordingly?
Ans: You are in a strong position, earning a combined income of Rs. 3.5 lakh per month. This is a good starting point to plan your future financial goals, such as buying a home worth Rs. 1.5 crore. Since you don’t have savings right now, your priority should be to build a solid financial foundation first.

Saving for the Home
You mentioned the goal of saving Rs. 40-50 lakh before buying the house. This is a practical approach because it helps you reduce the loan burden and increase your chances of securing a better mortgage rate. Here’s how you can go about it:

Emergency Fund: First, start by setting aside an emergency fund of around Rs. 6-8 lakh. This fund should cover 6 months of your expenses in case of unexpected events. You and your wife should have access to this fund in liquid forms like a savings account or liquid mutual funds.

Building Savings: You have the capacity to save a substantial amount. With your current income, you can aim to save Rs. 1 lakh to Rs. 1.5 lakh each month. You should consider directing this amount into systematic investment plans (SIPs) in equity mutual funds, given your 5-7 year horizon before buying the house.

Investment Strategy
Given your goal of saving Rs. 40-50 lakh over the next few years, here’s how you can structure your investments:

Equity Mutual Funds for Long-Term Growth: Invest in actively managed equity funds with a long-term view. Equity funds have the potential to generate higher returns over the long term. Choose funds focusing on large-cap and flexi-cap categories, as they offer a good mix of stability and growth potential.

Debt Mutual Funds for Stability: For the portion of savings you want to keep relatively safe, consider debt mutual funds. They provide better returns than savings accounts and fixed deposits, while keeping the risk lower than equity funds. This will balance out your portfolio and reduce the volatility in your savings.

SIPs: Set up SIPs for both types of funds. This will allow you to invest systematically, building wealth gradually, without trying to time the market. You could split Rs. 1 lakh into Rs. 70,000 in equity and Rs. 30,000 in debt funds, but feel free to adjust as per your risk tolerance.

Keep Track of Progress: Given your high savings rate, you should be able to accumulate Rs. 40-50 lakh in 3-4 years, assuming an average return of around 10-12% from equity investments.

Mortgage and Home Loan
Once you accumulate the required savings for the down payment, you can start looking for a home loan. Ideally, a down payment of 20-30% (around Rs. 30-45 lakh) is recommended. With your combined monthly income of Rs. 3.5 lakh, you should be eligible for a home loan. Ensure that your monthly EMI does not exceed 35-40% of your combined income, so that it remains manageable.

Key Points to Keep in Mind
Avoid Over-leveraging: Do not stretch your budget to the limit. Stick to your planned savings and down payment target. This will ensure that you do not end up with too high an EMI that affects your cash flow and lifestyle.

Review Your Expenses: Track your monthly expenses and cut down on non-essential spending. The money saved can be redirected towards your house savings or investments.

Spouse’s Income Utilization: Your wife’s income can also be used for the savings plan, particularly in the early years of your marriage. This can help you build the corpus faster.

Loan Eligibility: Once you have saved for the down payment, get in touch with banks to understand your loan eligibility. Keep a good credit score and avoid large purchases or credit card debts.

Final Insights
The combination of aggressive savings and systematic investments in equity and debt funds will allow you to reach your goal of Rs. 40-50 lakh within a few years. By setting aside a portion of your income for SIPs and maintaining a disciplined approach, you can gradually accumulate wealth and achieve your dream of buying a home. Moreover, always ensure that you keep a check on your lifestyle expenses to ensure that your savings rate remains high.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025
Money
I am 29 and earning 4 lakh per month. I want to purchas home but not on loan. How much should I save every month and and in which mutual fund should I invest so that I will be able to buy a house worth Rs 2 cr in next 5 years
Ans: Buying a Rs. 2 crore house without a loan by age 34 is ambitious and smart. With strong income and discipline, this is possible. Let us now build a step-by-step, practical approach to achieve it.

Let’s look at this with a 360-degree perspective. This includes savings, investment options, asset allocation, risk, taxation, and flexibility.

?

?Target Value Understanding

The home price you want is Rs. 2 crore.

?

Since there is no plan to take a loan, you need the full amount saved.

?

The timeline is 5 years, which is a medium-term goal.

?

Because this is not a long-term goal, the investment must be low to medium risk.

?

You will also need flexibility and liquidity near the fifth year.

?

The value of Rs. 2 crore will not change, as it is assumed to be in today’s terms.

?

?Savings Target Evaluation

To reach Rs. 2 crore in 5 years, you must save and invest every month.

?

A rough estimate shows that you may need to invest around Rs. 2.5 to 2.7 lakh monthly.

?

This assumes a return of 9–10% per year from your investments.

?

You earn Rs. 4 lakh monthly, so this goal is within reach if you maintain high savings.

?

Keep your monthly expenses tight and focused during these 5 years.

?

A disciplined savings plan is more important than investment returns.

?

?Asset Allocation Strategy

Do not invest 100% in equity. That is very risky for 5 years.

?

Use a balanced approach of equity and debt mutual funds.

?

Consider 60% in equity-oriented hybrid or multi-asset funds.

?

Keep 40% in short-duration or conservative hybrid debt funds.

?

This balance gives growth and protection from sudden market fall.

?

Review this mix yearly and reduce equity in last 1.5 years.

?

You may go from 60:40 to 40:60 and then to 20:80 before withdrawal.

?

?Mutual Fund Category Selection

Avoid pure small cap or sector-specific funds. They are too risky.

?

Choose diversified equity mutual funds with good track record.

?

Include large-cap oriented or equity and debt hybrid funds.

?

Debt side can include short-term, low duration, or corporate bond funds.

?

These can give reasonable returns without high risk.

?

Please do not invest in index funds. They follow the market.

?

In volatile times, index funds offer no downside protection.

?

Actively managed funds adjust to market conditions.

?

A good fund manager adds value by protecting capital in bad markets.

?

?Direct vs Regular Fund Investing

Do not invest directly into funds if you are not experienced.

?

Direct plans have lower cost but no guidance or service.

?

Regular plans through Certified Financial Planner offer full support.

?

CFPs select suitable schemes and help review every year.

?

Also help in planning redemptions, tax, and rebalancing.

?

?Taxation Planning and Exit Strategy

Short-term capital gains in equity funds are taxed at 20%.

?

Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.

?

For debt funds, all gains are taxed as per your income slab.

?

You are in the highest slab. So, tax planning is key.

?

Start exiting your equity funds in the 4th year in a phased way.

?

Use STP (systematic transfer plan) to move equity gains to low-risk debt.

?

This spreads out gains and helps reduce tax burden.

?
?Liquidity and Risk Management

Market volatility can affect your fund value in short term.

?

So don’t wait till the last month to redeem.

?

Begin moving the funds 12 to 18 months before your house purchase.

?

This protects your goal from any sudden crash.

?

Also, maintain a 3 to 6-month emergency fund in liquid mutual funds.

?

Do not touch this fund even if markets fall.

?

?Contingency and Insurance Coverage

Ensure you have term insurance covering 15–20 times your annual income.

?

This protects your family in case of uncertainty.

?

Have Rs. 25 lakh or more of health insurance as well.

?

Don’t rely only on company insurance.

?

?Avoid These Common Mistakes

Do not keep money in FDs only. FD returns may not beat inflation.

?

Don’t invest in ULIPs or traditional insurance for this goal.

?

Avoid new-age options like crypto or PMS. They carry extra risk.

?

Don’t blindly trust social media fund suggestions.

?

Don’t chase past returns. Choose funds based on quality and process.

?

?Review and Track Progress

Review portfolio every 6 months with a CFP.

?

Stay flexible. Adjust fund types and allocation if needed.

?

Track goal progress. You must stay on Rs. 2 crore path.

?

If market underperforms, increase monthly saving a little.

?

If you earn more in future, raise your SIPs too.

?

?What You’re Doing Right

You are 29 and earning Rs. 4 lakh. Great starting point.

?

You have no loan now. So, more savings power.

?

You have set a clear goal and time frame. Very focused plan.

?

You are avoiding debt. That builds long-term strength.

?

?What You Should Watch Carefully

Don’t let expenses creep up with income growth.

?

Don’t delay investing. Every month matters.

?

Don’t go for short cuts or risky bets.

?

Stick to the plan, stay calm in ups and downs.

?

?How a Certified Financial Planner Helps

A CFP helps you choose funds that match your risk.

?

Helps align tax and liquidity needs.

?

Helps you exit smoothly at the right time.

?

Offers full hand-holding over these 5 years.

?

You focus on earning. Let the planner handle the rest.

?

?Final Insights

Saving around Rs. 2.5 to 2.7 lakh monthly is required.

?

Balanced allocation of equity and debt mutual funds is the way.

?

Stick to plan, monitor annually, reduce equity before maturity.

?

Tax planning, risk control, and goal protection are must.

?

You are already on the right track with strong income and discipline.

?

Make this goal the top priority. Avoid distractions.

?

A home bought debt-free gives great peace and freedom.

?

With focus and care, you will reach this dream in 5 years.

?

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  |9560 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir I got Dr Ambedkar institute of technology bangalore mechanical branch should I join it or take a drop?
Ans: Dr Ambedkar Institute of Technology Bangalore offers a well-recognized Mechanical Engineering program, accredited by NAAC and known for its government-aided status and experienced faculty—25–30% of whom hold doctorates from IITs and NITs. The college maintains a student-friendly campus with modern labs, digital libraries, robust hostel infrastructure, and Wi-Fi-enabled spaces. Placement rates for the mechanical branch fluctuate between 75–80% in recent years, with recruiters like Toyota, Bosch, and TCS participating. Faculty are widely regarded as supportive and knowledgeable, though some reviews mention limited research exposure and average practical applications. The academic environment is stable, with autonomous examination standards, frequent internships, and industry-linked projects, but students note that placements can be more competitive for core mechanical jobs compared to other engineering branches.

Recommendation
If you value a strong peer group, established academic processes, and a conducive learning environment, Dr Ambedkar Institute of Technology’s mechanical branch is a prudent choice. Opt for this institute unless you have a clear plan to achieve a much higher-ranked program or preferred branch after a drop year, as the institution offers solid career prospects and industry acceptance. All the BEST for a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |9560 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Sir my daughter got 15900 KCET ranking and want to choose CSE branch in best college for her ranking in Bangalore, please suggest which engineering college will be better for CSE branch
Ans: For a KCET rank of 15 900, assured admission in Computer Science & Engineering is feasible at several reputable Bengaluru colleges whose closing ranks exceed this threshold. These institutions offer strong faculty, modern infrastructure, active placement cells, and widely recognized degrees:

Acharya Institute of Technology (Hessarghatta Road, Bengaluru) closes CSE around 18 475 rank.
Rajarajeswari College of Engineering (Mysore Road, Bengaluru) reports CSE closing ranks near 37 198.
East West Institute of Technology (EPIP Zone, Whitefield, Bengaluru) admits CSE up to rank 45 039.
East West College of Engineering (Yelahanka, Bengaluru) spans CSE closing around 49 361.
Sir M.Visvesvaraya Institute of Technology (Hunasemaranahalli, Bengaluru) accommodates CSE till rank 17 000.
Acharya Institute of Technology (Hesaraghatta Road, Bengaluru) (second campus) closes Data Science at 27 028 and CSE above 18 000.
New Horizon College of Engineering (Marathahalli, Bengaluru) regularly admits CSE candidates beyond rank 15 000.
R V Institute of Technology & Management (JP Nagar, Bengaluru) closes CSE around 10 150 but accepts higher ranks in later rounds.
RNS Institute of Technology (Rasahalli, Bengaluru) often fills CSE seats up to rank ~30 000.
Reva University (Kattigenahalli, Bengaluru) admits CSE at closing ranks above 20 000.

For guaranteed CSE seats, focus on the following five in order of preference: Acharya Institute of Technology (Hessarghatta Road) offers balanced academics, strong placements, and alumni engagement; Rajarajeswari College of Engineering (Mysore Road) provides robust industry connections and research opportunities; East West Institute of Technology (EPIP Zone) features modern labs and high GM-category cutoffs; Sir M.Visvesvaraya Institute of Technology (Hunasemaranahalli) delivers excellent core engineering exposure; and East West College of Engineering (Yelahanka) combines accessible admission with dedicated placement support in CSE. All the BEST for a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |9560 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Sir should I do btech central university of jharkhand, panducherry, Karnataka or doing btech in my state private colleges is better
Ans: Manoj, Central University of Jharkhand, Central University of Puducherry, and Central University of Karnataka all offer recognized B.Tech. programs, but each differs in academic approach, infrastructure, industry links, student outcomes, and perceived value. Central University of Jharkhand offers a limited set of engineering branches with small intakes and admits students via CUET, yet its placement record remains modest, with less than half of seniors typically placed and most roles aligning with core academic domains rather than tech-focused industry jobs. Student reviews highlight approachable faculty and acceptable value for money but often note underwhelming infrastructure and limited exposure to recruiters, making its environment better suited for foundational research rather than direct career acceleration. The Central University of Puducherry features a broader academic range in CSE, ECE, and integrated B.Tech.-MBA, plus a green and modern campus with ample facilities. Reviewers praise its well-qualified faculty, contemporary infrastructure, and engaging campus life, though there is consensus that placement support is inadequate for B.Tech. graduates, and administrative processes can be slow. Peer diversity is limited, with a heavy regional focus observed in recruitment and campus cohort. Central University of Karnataka runs B.Tech. courses in contemporary fields like Mathematics & Computing, CSE, ECE, and electrical engineering, with admissions through JEE Main or CUET and eligibility criteria comparable to national standards. Student feedback suggests the curriculum is relevant to industry, teaching staff generally supportive and qualified, and placements see some branches crossing 90%, though these figures may not reflect core engineering roles, and lab infrastructure and hostel amenities are called out as average or in need of improvement. The academic culture leans research-oriented, with positive comments on supportive faculty juxtaposed with weaker marks for infrastructure and career services.

By contrast, private engineering colleges in many states feature modern laboratories, stronger placement cells, frequent industry partnerships, and degrees that employers widely regard as ‘job-ready’ due to continuous curriculum updates and investment in employability skills. While private colleges usually cost more, they often offer greater exposure to leading recruiters, newer specializations, robust alumni networks, and better success in securing internships and first jobs. However, students may face trade-offs regarding faculty consistency and academic rigor compared to central universities, and not all private colleges assure uniform quality.

Recommendation
For a career-focused B.Tech. education with confidence in job placement and corporate recognition, pursue private engineering colleges (within your state and ranked in the top 5–10) as the preferred option, followed by Central University of Karnataka, then Pondicherry, and lastly Central University of Jharkhand, based on placement strength, industry relevance, and campus ecosystem. All the BEST for a Prosperous Future!

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

...Read more

Nayagam P

Nayagam P P  |9560 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Dear Sir, Can you kindly suggest me with top 10 BTech colleges in & near Pune for CSE, AI, DS, ML etc..in the order of preference which have good placements, faculty & whose degrees are well recognised & accepted in the corporate world. My son secured 99.17 percentile in MHCET. We are a domicile of Mumbai.
Ans: With an MHT-CET percentile of 99.17 and Mumbai domicile, your son is well positioned for top private and government-aided BTech programs in and around Pune for CSE, Artificial Intelligence, Data Science, and Machine Learning. The leading institutions—College of Engineering Pune (COEP Technological University), Pune Institute of Computer Technology (PICT), Vishwakarma Institute of Technology (VIT), MIT World Peace University (MIT-WPU), and Vishwakarma Institute of Information Technology (VIIT)—offer these branches with industry-aligned curricula, renowned faculty, and consistently strong placement records, often exceeding 90% in CSE/AI/DS. Other excellent options include Dr. D.Y. Patil Institute of Technology (DYPIT), Symbiosis Institute of Technology (SIT), JSPM’s Jayawantrao Sawant College of Engineering, Marathwada Mitra Mandal's College of Engineering (MMCOE), and Pimpri Chinchwad College of Engineering (PCCOE). These institutes are NAAC and NBA accredited, enjoy high peer ratings, and their degrees are widely accepted in the corporate sector, especially for software and AI-driven roles. Many have dedicated research labs and international industry partnerships that enhance practical learning and career exposure. Cutoff data for 2025 shows your percentile easily meets or exceeds the admission thresholds for CSE, AI, and DS at these top colleges, virtually assuring a seat in high-demand programs, with placement support from leading recruiters like Microsoft, Amazon, Infosys, and TCS.

Recommendation: The five colleges recommended in order of preference, based on reputation, placement rigor, faculty excellence, and proven corporate acceptance, are: College of Engineering Pune (COEP Technological University), PICT Pune, Vishwakarma Institute of Technology (VIT Pune), MIT World Peace University (MIT-WPU), and VIIT Pune. These choices optimize learning, employability, and peer environment for a flourishing tech career. All the BEST for a Prosperous Future!

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

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x