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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Feb 10, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Shanmukh on Feb 02, 2024Hindi

Money

Hello sir, I previously worked in an organization as an intern where both PF and EPS accounts were opened, however no eps contribution was made. While joining my current organization I submitted Form 11. Now the current employer is contributing into my eps (here my basic+ DA > 15000). Do I need to get anything changed?

Ans: As your current employer is making the required contributions to your EPS account and all the required details are also fetched through the recent employer, you do not need to get anything changed in your EPS account.

Asked on - Feb 28, 2024 | Answered on Mar 02, 2024

thank you sir

Ans: Thanks.

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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Question by guru - Nov 16, 2024Hindi

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I have worked in 2 company's, at 1 company they remitted eps even though am not eligible for pension scheme becouse of higher wages, second company also contributed to eps, by submitting nesesary documents i withdrawn both epf and eps amount from both the accounts, now the problem is, if I started a new job in a company how can I approach the company to not contribute on eps, what if contribution was made again because of eps account? Please help me ????

Ans: Hello;

You can talk to the HR team of your new employer and discuss these aspects. Submit a written request over mail/letter, if need be.

Check with you peers in the new establishment.

Such errors are not expected from professional organisations.

Best wishes;

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Nayagam P P |11119 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Question by Srilaxmi - Apr 25, 2026Hindi

Career

Sir obc ncl rank 5983 state andhrapradesh....CRL...22K

Ans: Srilaxmi Madam, I have already partially answered your question, and now that you have provided your son's home state, here is the updated and refreshed response. With a CRL rank of 22,000, an OBC-NCL rank of 5,983, and Andhra Pradesh home state status, you have good chances of admission in NIT Andhra Pradesh, especially in ECE and EEE branches, while CSE remains borderline depending on the 2026 cutoff trends. Recent data shows that NIT Andhra Pradesh CSE closes around OBC-HS ranks of 5,100–5,500, making your rank slightly risky but still worth attempting; ECE looks more realistic. Admission to CSE/ECE in top NITs like Trichy, Warangal, and Surathkal through other-state quota may be difficult. Good options to fill include NIT Andhra Pradesh (CSE/ECE/EEE), IIIT Sri City, IIIT Kottayam, IIIT Nagpur, IIIT Una, IIIT Bhopal, IIIT Ranchi, and GFTIs. JoSAA confirms that OBC-NCL cutoffs are based on category rank, not CRL. It is recommended to prioritize choices as CSE → ECE → EEE → AI/DS/IT and keep CSAB Special Round as a strong backup. Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights for your son to confidently select and fill preferred choices. Also, keep Andhra Pradesh state counselling as a backup option. ALL the BEST for Your Son's Prosperous Future!

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 25, 2026

Question by NARESH - Apr 24, 2026Hindi

Career

My rank is 3304 female what is possibility for iiit hyderabad cse

Ans: Chances at IIIT-H seem challenging. But keep strong backup options ready, since recent CSE cutoffs have often been around or above this range and fluctuate significantly.

Good luck.
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Question by Sushil - Apr 24, 2026Hindi

Career

Sir please clarify are iiit better then iit non core for cse?

Ans: For a student focused specifically on software/tech careers, the top IIITs can be better than lower-demand non-core branches at many IITs, but the premier IIT brand/network still outweighs most IIITs unless the IIT branch is a very poor fit for the student’s interests.

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 25, 2026

Asked by Anonymous - Apr 25, 2026Hindi

Career

Hi, My son has secured a rank of 4320 (CRL) in JEE Mains 2026. Home State is not an option. Can you suggest Institute + Branch preferences that we should opt?

Ans: Try ECE at top NITs (Trichy/Warangal/Surathkal/Calicut/Rourkela) and IIIT Allahabad IT/ECE, IIIT Gwalior CSE/IT, MNNIT Allahabad ECE/EE, and MNIT Jaipur ECE/EE, followed by strong fallback options in ECE/EE/CSE at mid-tier NITs/IIITs. However, keep a close eye on the closing ranks of previous years for more accurate predictions, which will be useful when filling the preference order.

Good luck.
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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 25, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

Respected Sir/Ma’am, My brother has secured 77 percentile in JEE Mains 2026 and is currently at a crossroads regarding his future. We would truly value your guidance on whether he should consider taking a drop year to improve his score or proceed with admission at Thapar Institute of Engineering and Technology, Patiala. Additionally, if he opts for Thapar, we would be grateful if you could advise which branch he should choose, keeping in mind both his long-term career prospects and future growth opportunities. Your guidance would mean a lot to us in making an informed decision

Ans: Taking a drop does not guarantee success. If you can take the risk and have full confidence that he can crack the exam with the required percentile, then tell him to proceed with a drop.

At Thapar, consider CSE/COE > AI/ML/Data Science > ECE > Electrical > Mechanical/Civil, based on his genuine interest and aptitude.

Good luck.
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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 25, 2026

Question by B - Apr 24, 2026Hindi

Career

My cousin's son got 99.91 percentile in JEE mains with AIR 1422. He is from Visakhapatnam, Andhra Pradesh. Please suggest me the NITs & Main groups that are suitable for his qualifications. He is in Gen catagory ( Hindu, Brahmin )

Ans: Your son has a strong chance of getting into either top NITs or top IIITs. Try with NIT Warangal/Surathkal/Trichy CSE if available, then NIT Rourkela/Calicut/MNIT Jaipur/MNNIT Allahabad CSE, followed by top NIT ECE/AI/DS branches as backups

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Career Counsellor - Answered on Apr 25, 2026

Question by Kishore - Apr 25, 2026Hindi

Career

Sir, My son got 94.45percentile Jeemains, Mahindra CSE seat blocked, BITS 220marks Session 1, Manipal 148 marks and board 90%. He is interested in CSE or Maths and physics. What shall we do?

Ans: Kishore Sir, you have not mentioned your son's home state. However, please note that BITS typically requires a minimum of 240–250 marks even for MSc programs and above 290–320 for BE programs, especially for the CSE branch. Based on your son's scores, admission to NIT/IIIT CSE through JoSAA appears difficult; some newer IIITs and GFTIs may be possible through CSAB, mainly in lower-demand branches. Please keep Mahindra-CSE as a safe backup option. Regarding Manipal, MIT Manipal CSE is tough to get, but Mathematics & Computing or other CS-related branches may be borderline—last year’s CSE closing rank was near 5129 and Maths & Computing near 5633. MIT Bengaluru offers better chances for CSE/ECE, with the 2025 CSE closing rank around 11,331. Manipal Jaipur and SMIT Sikkim have very good chances for CSE, ECE, and AI-DS branches. Preference order could be MIT Manipal (Maths & Computing/CS specializations) → MIT Bengaluru (CSE/ECE) → Manipal Jaipur (CSE) → SMIT (CSE). If possible & if you/your son desire, have Thapar also as one of the backup options. Physics is a better option mainly for research-oriented goals; for his interests, CSE or Maths & Computing would be preferable unless he is strongly inclined toward research. ALL the BEST for Your Son's Prosperous Future!

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Career Counsellor - Answered on Apr 25, 2026

Question by Srilaxmi - Apr 25, 2026Hindi

Career

Sir, my son got 98.60percentile...obc ncl.... CAN WE EXPECT CSE

Ans: Srilaxmi Madam, you have not mentioned son's Home State. Based on his score, CSE admission is possible but largely depends on your son's OBC-NCL rank and home state quota. In top NITs like NIT Trichy, NIT Surathkal, and NIT Warangal, CSE remains highly competitive and typically closes at much higher ranks. However, there are very good chances for CSE in mid-level NITs and IIITs such as NIT Jalandhar, NIT Raipur, NIT Patna, IIIT Kota, IIIT Pune, and IIIT Nagpur, depending on rank movement and quota availability. Even stronger opportunities exist for ECE and through CSAB Special Round upgrades. I suggest keeping the preference order as CSE → IT → AI/Data Science → ECE, filling the maximum number of JoSAA choices, and treating CSAB as a strong Plan B. Please use your exact OBC-NCL rank for a more precise prediction. Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently select and fill his preferred & maximum number of choices. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11119 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 25, 2026Hindi

Career

Hi Sir, My son has secured a rank of 4320 (CRL) in JEE Mains 2026. Home State is not an option. Can you suggest Institute + Branch preferences that we should opt?

Ans: Based on your son's score, he has strong chances for admission to top NITs and good IIITs, particularly in branches like ECE, EE, Mechanical, Mathematics & Computing, and, in some cases, CSE at mid-to-top NITs depending on the round and institute. JoSAA confirms that open category ranks are based on CRL. The preferred order to consider is NIT Trichy, NIT Surathkal, NIT Warangal, MNNIT Allahabad, NIT Calicut, NIT Rourkela, NIT Kurukshetra, MNIT Jaipur, SVNIT Surat, NIT Nagpur, followed by IIIT Allahabad, IIIT Gwalior, and IIIT Jabalpur. Suggested branch preference is CSE → AI/Data Science → ECE → Mathematics & Computing → EE → IT → Mechanical. While top NIT CSE may be difficult to secure (for example, NIT Trichy CSE closes near the top 1000 rank), ECE at strong NITs and CSE at good IIITs are very realistic options. Additionally, reviewing the JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently fill the maximum number of his preferred choices. ALL the BEST for Your Son's Prosperous Future!

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

Nayagam P P |11119 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 25, 2026Hindi

Career

Hi, My son has secured a rank of 4320 (CRL) in JEE Mains 2026. Home State is not an option. Can you suggest Institute + Branch preferences that we should opt?

Ans: Based on your son's score, he has strong chances for admission to top NITs and good IIITs, particularly in branches like ECE, EE, Mechanical, Mathematics & Computing, and, in some cases, CSE at mid to top NITs depending on the round and institute. JoSAA confirms that open category ranks are based on CRL. The preferred order to consider is: NIT Trichy, NIT Surathkal, NIT Warangal, MNNIT Allahabad, NIT Calicut, NIT Rourkela, NIT Kurukshetra, MNIT Jaipur, SVNIT Surat, NIT Nagpur, followed by IIIT Allahabad, IIIT Gwalior, and IIIT Jabalpur. Suggested branch preference is CSE → AI/Data Science → ECE → Mathematics & Computing → EE → IT → Mechanical. While top NIT CSE may be difficult to secure (for example, NIT Trichy CSE closes near the top ~1000 rank), ECE at strong NITs and CSE at good IIITs are very realistic options. Additionally, reviewing the JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently fill the maximum number of his preferred choices. ALL the BEST for Your Son's Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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