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Ramalingam

Ramalingam Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 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
Ravi Question by Ravi on Jun 15, 2025Hindi
Money

Hello Sir, I am a retired 60 yr old man. My current corpus is as follows MF - Rs 1.30 Cr FD - Rs 20 Lacs Stocks - Rs 10 Lacs SCSS- Rs 15 Lacs My requirement is Rs 1 Lac a month for my living. Can my corpus sustain for 25 yrs based on my monthly requirement Kindly let me know what i need to do Regards

Ans: Your planning at this stage is commendable.
You have a good corpus and clear monthly requirement.
Let us create a strategy to make it last for 25 years.

1. Current Corpus Overview
Mutual Funds (equity/hybrid): Rs.?1.30 crore

Fixed Deposits: Rs.?20 lakh

Stocks: Rs.?10 lakh

SCSS (Senior Citizen Saving Scheme): Rs.?15 lakh

Total: Rs.?1.75 crore
You need Rs.?1 lakh per month for living.
Annual requirement: Rs.?12 lakh per year.

2. Assess Sustainability Of Corpus
To withdraw Rs.?12 lakh annually from Rs.?1.75 crore means ~6.9% withdrawal rate.

This is broadly sustainable if net returns can match this after tax and inflation.

Returns scenario:

Debt/hybrid returns ~6–8%

Equity returns ~8–10%

SCSS offers ~8% tax-free

FD yields ~6–7% taxable

A blended withdrawal of ~7% annually may be viable for 25 years, if returns hold up.

3. Restructure Asset Allocation
You should rebalance to de-risk and build income sustainability:

Suggested Allocation

Hybrid Balanced Funds: 40% (Rs.?70 lakh)

Provides equity exposure and stable income

Debt Funds / Liquid Funds: 20% (Rs.?35 lakh)

For emergency cushion and short-term needs

Equity Mutual Funds: 20% (Rs.?35 lakh)

For long-term growth and inflation hedge

SCSS: 15% (Rs.?15 lakh)

Already tax-free yield; good for income stability

Fixed Deposits: 5% (Rs.?10 lakh)

Use for immediate liquidity; ladder for short-term needs

Stocks: Can shift Rs.?10 lakh to hybrid or equity to match this allocation.

4. Weekly & Monthly Income via SWP
Systematic Withdrawal Plans (SWPs) can generate monthly income:

Use hybrid balanced fund SWP of Rs.?50,000/month

Use equity mutual fund SWP of Rs.?25,000/month

Use SCSS payout (quarterly or monthly) ~Rs. 10,000

Use FD interest monthly via laddered withdrawal ~Rs.?3,000

Adjust to reach Rs.?1 lakh total

This provides regular income with tax efficiency.

5. Emergency & Buffer Planning
Keep at least 6 months expenses (Rs.?6 lakh) in liquid/debt funds.

This ensures no equity selling during downturn.

Use remaining debt funds for short-term buffer.

6. Tax Considerations on Withdrawals
Equity fund LTCG beyond Rs.?1.25 lakh taxed at 12.5%

Debt/hybrid gains taxed as per slab

SCSS interest is taxable unless kept under tax-saving deposit

Use SWP to smooth income and manage tax liability year-round

7. Health Cover & Longevity Safety Net
At age 60, medical expenses likely rise significantly

Carry a health policy of at least Rs.?10–15 lakh renewal coverage

Add senior citizen riders if possible

Consider top-ups after 65

This protects corpus from medical shocks

8. Minimising Investment Charges and Risks
Use actively managed hybrid and equity funds; avoid index funds

Actively managed funds handle market fluctuations

They offer downside protection during volatility

Avoid direct plans; as post-retirement, you need ongoing financial advice

Avoid ULIPs, annuities, and speculative products

9. Withdrawal Strategy Review and Adjustments
Review withdrawals semi-annually

Adjust SWP rates if expenditure changes or markets fluctuate

Rebalance allocation as hybrid or equity grows or shrinks

Maintain shaped glide path to defensiveness over time

10. Estate Planning and Nominations
Ensure all investment accounts have current nominations

Create a simple will covering assets and bank accounts

Arrange power of attorney if needed

This helps family in managing affairs smoothly

11. Risk of Longevity and Inflation
You may need income beyond standard life expectancy

Ensure equity portion sustains corpus over time

Reevaluate strategy every 3–5 years to reflect inflation, healthcare, etc.

12. Summary Roadmap
Immediate: Rebalance portfolio; set SWP to generate income; buy health cover

Within 6 months: Build debt/liquid buffer; update nominations and will

Ongoing: Monitor withdrawals, rebalance annually, adjust SWP based on expenditures

Long-Term: Post 85 years, reduce equity gradually and rely more on debt/SCSS/FD income

Final Insights
Your corpus of Rs.?1.75 crore can support Rs.?1 lakh/month for 25 years.
A structured SWP strategy across hybrid, equity, SCSS, and FD is key.
Health insurance and buffer protection are essential.
Actively managed funds via regularly advised plans are preferable.
Review and rebalance periodically for sustainable growth and comfort.

You are well placed to live independently and securely with this plan.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Jun 29, 2025 | Answered on Jun 30, 2025
Dear Mr Ramalingam, Thank you for a detailed explanation and strategy to my query. Appreciate it. I will get in touch with you offline soon
Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
Insagram: https://www.instagram.com/holistic_investment_planners/
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 Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I am 48 yrs old and plan to retire in next 1 year with life expectancy 75 yrs. My current montly expense is 1.25 Lakhs and value of current investment is 5.5 cr so please suggest is the corpus sufficient till my death and also after my death will any corpus will be balance out of 5.5 cr so that i can pass on to my kids. NIRAJ MUMBAI
Ans: To assess if your current corpus is sufficient for your retirement and if there will be a remaining corpus to pass on to your kids, we need to consider several factors:

Retirement Expenses: Your monthly expenses are Rs. 1.25 lakhs, which amounts to Rs. 15 lakhs annually. Considering a life expectancy of 75 years, we need to estimate your expenses for the next 27 years.
Current Investments: With a corpus of Rs. 5.5 crores, we need to determine if this amount can sustain your retirement expenses for the next 27 years, factoring in inflation and investment returns.
Legacy Planning: If there is a remaining corpus after your retirement, it can be passed on to your kids as part of your legacy. Consider the potential growth of your investments and any potential bequests or inheritances you wish to leave for your children.
Inflation and Investment Returns: Consider the impact of inflation on your expenses and the potential investment returns on your corpus. Adjust your retirement planning accordingly to ensure your corpus can keep pace with inflation and continue to support your lifestyle.
To accurately determine if your current corpus is sufficient and if there will be a remaining corpus for your kids, it's advisable to consult with a Certified Financial Planner. They can analyze your financial situation comprehensively, consider various scenarios, and provide personalized recommendations tailored to your goals and aspirations.

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Ramalingam Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Asked by Anonymous - Jun 06, 2024Hindi
Money
Dear Sir I have earlier asked for corpus planning for retiring now at 55 years age. I have a monthly expenditure of 75k/month. My corpus is around 4 cr. Will this be sufficient and how do I deploy them.
Ans: Assessing Your Financial Situation
Congratulations on accumulating a corpus of Rs 4 crores. This is a significant achievement and a solid foundation for your retirement. At 55 years old, with a monthly expenditure of Rs 75,000, it’s essential to carefully plan your finances to ensure they last throughout your retirement.

Estimating Retirement Expenses
Understanding Your Monthly Expenditure
Your current monthly expenditure is Rs 75,000. To calculate your annual expenses, multiply this by 12, resulting in Rs 9 lakhs per year. It's crucial to consider inflation, typically around 6% per year in India, which will increase your expenses over time.

Projecting Future Expenses
Using an inflation rate of 6%, your annual expenses will rise. For instance, in 10 years, your annual expenditure will be approximately Rs 16.1 lakhs. Planning for at least 30 years of retirement, your expenses will significantly increase due to inflation.

Creating a Sustainable Withdrawal Plan
Safe Withdrawal Rate
A widely recommended strategy is the 4% rule, which suggests withdrawing 4% of your corpus annually. This approach aims to make your savings last for 30 years. However, considering inflation, a more conservative withdrawal rate might be prudent.

Calculating Annual Withdrawals
With a corpus of Rs 4 crores, a 4% annual withdrawal equates to Rs 16 lakhs per year. This comfortably covers your current annual expenses of Rs 9 lakhs, with room to account for future inflation.

Investment Strategy for Retirement
Diversifying Your Portfolio
Diversification is crucial to manage risk and ensure a steady income stream. Your portfolio should balance growth and income-generating investments.

Equity Mutual Funds: Allocate around 40% of your corpus to equity mutual funds for growth. These funds can help combat inflation and provide higher returns over the long term.

Debt Mutual Funds: Allocate about 40% to debt mutual funds. These funds offer stability and regular income, reducing overall portfolio risk.

Fixed Deposits and Bonds: Invest 20% in fixed deposits and bonds for guaranteed returns and capital preservation.

Generating Regular Income with SWP
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount regularly from your mutual fund investments. This method provides a steady income stream while keeping your principal invested, potentially growing over time.

How SWP Works: You invest a lump sum in a mutual fund. Then, you set up an SWP to withdraw a fixed amount monthly. The remaining corpus continues to earn returns, balancing withdrawals and potential growth.

Benefits of SWP:

Steady Cash Flow: Provides a regular, predictable income stream.
Tax Efficiency: Only the capital gains part of your withdrawal is taxed, often resulting in lower tax liability compared to other investment options.
Flexibility: You can adjust the withdrawal amount or frequency based on your needs.
Implementing SWP:

Initial Investment: Start with a substantial initial investment in a balanced or equity-oriented mutual fund.
Withdrawal Amount: Determine a reasonable monthly withdrawal amount that aligns with your expenses, considering inflation and fund performance.
Review and Adjust: Regularly review the performance of your mutual fund and adjust the SWP if necessary to ensure sustainability.
Managing Risk and Ensuring Longevity
Rebalancing Your Portfolio
Regularly review and rebalance your portfolio to maintain the desired asset allocation. This helps manage risk and ensures your investments align with your financial goals.

Emergency Fund
Maintain an emergency fund covering at least 6 months of expenses. This fund should be easily accessible and kept in a high-interest savings account or liquid fund.

Planning for Healthcare
Health Insurance
Ensure you have adequate health insurance coverage. Medical expenses can be significant in retirement, and a robust health insurance policy will protect your savings.

Contingency Planning
Set aside a portion of your corpus specifically for healthcare and unexpected expenses. This ensures you’re prepared for any medical emergencies or unforeseen costs.

Tax Planning
Tax-Efficient Investments
Choose tax-efficient investment options like SCSS, and specific mutual funds to minimize your tax liability. Understanding the tax implications of your investments helps maximize your net returns.

Annual Tax Review
Conduct an annual review of your tax situation. This helps in optimizing your investment strategy and ensuring you make the most of available tax benefits.

Estate Planning
Will and Nomination
Prepare a will and ensure all your investments have the correct nominations. This ensures a smooth transfer of your assets to your heirs.

Power of Attorney
Consider appointing a trusted person as your power of attorney. This person can manage your financial affairs if you become unable to do so.

Reviewing and Adjusting Your Plan
Regular Financial Review
Review your financial plan regularly, at least once a year. This ensures your strategy remains aligned with your goals and market conditions.

Consulting a Certified Financial Planner
Consider consulting a Certified Financial Planner (CFP) for personalized advice. A CFP can help tailor your investment strategy to your specific needs and circumstances.

Scenario Analysis
Best-Case Scenario
In the best-case scenario, your investments perform well, and you withdraw a sustainable amount each year. Your corpus grows over time, even accounting for inflation and withdrawals.

Worst-Case Scenario
In the worst-case scenario, market downturns occur, or unexpected expenses arise. Your careful planning, diversification, and emergency fund will help mitigate these risks and ensure financial stability.

Long-Term Sustainability
Adjusting Withdrawals
If needed, adjust your withdrawal rate based on market performance and your expenses. Flexibility in withdrawals helps sustain your corpus over the long term.

Staying Informed
Stay informed about market trends, economic conditions, and changes in financial products. This knowledge helps make informed decisions and adapt your strategy as needed.

Considering Your Lifestyle
Enjoying Retirement
Ensure your financial plan allows you to enjoy your retirement. Allocate funds for travel, hobbies, and other activities that enhance your quality of life.

Social Security and Benefits
Check for any social security benefits or pensions you may be entitled to. These can supplement your income and reduce the pressure on your corpus.

Summarizing Your Plan
To summarize, your Rs 4 crore corpus can sustain your retirement if managed wisely. Focus on diversifying your investments, maintaining an emergency fund, and regularly reviewing your plan. Ensure you have adequate health insurance and consider tax-efficient investments. Flexibility and informed decision-making are key to a secure and enjoyable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |10241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 13, 2024

Money
Sir I have 1.8 Cr in mutual fund and 65 lacs in equity shares ,Sip of 55 thousand per month,Vpf 10000 per month,30 lacs in fd , 20 lac loan given to relative without interest will come in 2 to 3 years.20 lacs in pf, 1.8 lacs in ppf , one plot of value 3 cr and one plot of value 50 lacs with no rental income. I am doing business also and earning yearly approx 20 lacs and I have salary of 1.2 lacs. I am 40 years old and I have 2 kids one daughter 9 years old and son 4 years old. Let me know considering with no salary and so sip and no business now onward and no expenses also.how much corpus will I will get till age of 50 so I can get approx 3 lacs per months.is it workable with this corpus or I have to do more saving.
Ans: Your financial portfolio reflects thoughtful planning and diversification. Here is a breakdown:

Mutual Funds: Rs. 1.8 crore
Equity Shares: Rs. 65 lakhs
SIP: Rs. 55,000 monthly
VPF: Rs. 10,000 monthly
Fixed Deposits: Rs. 30 lakhs
Loan to Relative: Rs. 20 lakhs (to be returned in 2-3 years)
PF: Rs. 20 lakhs
PPF: Rs. 1.8 lakhs
Real Estate: Two plots valued at Rs. 3 crore and Rs. 50 lakhs
Your annual business income of Rs. 20 lakhs and monthly salary of Rs. 1.2 lakhs are also noteworthy. These provide a strong foundation for wealth creation.

You aim to retire at 50 and generate Rs. 3 lakhs per month as income. This requires meticulous planning, particularly if no SIPs or income contributions are made going forward.

Setting Your Financial Goals
Achieving a monthly income of Rs. 3 lakhs from age 50 implies an annual income requirement of Rs. 36 lakhs. To sustain this for a 30-year retirement, your portfolio should provide inflation-adjusted returns consistently.

Key Factors to Consider
Target Corpus: Based on a post-tax return of 6% per annum, you will need Rs. 6-7 crore to achieve this goal.
Inflation: Assume 6% inflation for cost of living adjustments over time.
Current Portfolio Growth: Project your existing assets’ growth over the next 10 years.
Projections of Current Assets
Mutual Funds
Rs. 1.8 crore is a strong equity-oriented asset.
Assuming an annual return of 10%, the corpus could grow to Rs. 4.67 crore in 10 years without additional contributions.
Equity Shares
Rs. 65 lakhs in equities has higher risk but potential for higher returns.
With a conservative annual growth of 8%, this can grow to Rs. 1.4 crore.
Fixed Deposits
Rs. 30 lakhs in FDs provides stability but low growth.
Assuming a 5% return, the corpus will grow to Rs. 49 lakhs.
Loan to Relative
Rs. 20 lakhs returned within 3 years can be reinvested.
Investing this amount in mutual funds with a 10% return for 7 years could yield Rs. 39 lakhs.
VPF, PF, and PPF
Total provident fund investments (Rs. 41.8 lakhs) provide safety and tax-free returns.
With annual contributions and 8% returns, this can grow to Rs. 1.05 crore.
Real Estate
The two plots worth Rs. 3 crore and Rs. 50 lakhs are non-earning.
Selling one and reinvesting in financial assets can improve cash flow.
Strategy for Achieving Your Retirement Goal
Step 1: Optimize Current Investments
Mutual Funds:

Continue SIPs of Rs. 55,000 for at least 3 years.
Ensure a balanced allocation across large-cap, mid-cap, and small-cap funds.
Shift underperforming funds to better-managed schemes.
Avoid index funds, as actively managed funds provide superior returns.
Equity Shares:

Diversify into sectors with long-term growth potential.
Evaluate performance quarterly and consider reallocating underperforming stocks.
VPF and PPF:

Increase PPF contributions to the maximum limit for tax-free compounding.
VPF is a stable instrument; continue contributions.
Fixed Deposits:

Gradually reduce FD holdings.
Reallocate funds to debt mutual funds for better post-tax returns.
Step 2: Plan for Real Estate Monetization
Real estate is a significant portion of your wealth but non-earning.
Selling the Rs. 50 lakh plot and reinvesting the proceeds into mutual funds or debt instruments can boost growth and liquidity.
Step 3: Build Contingency and Liquidity
Maintain Rs. 20 lakhs in liquid funds or FDs for emergencies.
This ensures you can handle unforeseen expenses without disrupting long-term investments.
Tax Efficiency Strategies
Equity and Mutual Funds:

Utilize tax-free thresholds for long-term capital gains.
Plan redemptions to minimize tax outflows.
Debt Investments:

Debt mutual funds are more tax-efficient than FDs. Shift gradually to reduce tax liabilities.
Addressing Key Risks
Inflation Risk
Allocate a significant portion of your portfolio to equity for inflation-adjusted growth.
Longevity Risk
Ensure your corpus lasts for 30+ years. Plan withdrawals conservatively.
Market Volatility
Diversify across asset classes to reduce risks.
Maintain a mix of equity, debt, and safe instruments like PPF.
Final Projections
By age 50, with no additional contributions:

Mutual Funds: Rs. 4.67 crore
Equity Shares: Rs. 1.4 crore
Fixed Deposits: Rs. 49 lakhs
Loan Returns: Rs. 39 lakhs
Provident Funds: Rs. 1.05 crore
Total Corpus: Rs. 7.6 crore (approximately)

Is This Corpus Sufficient?
Yes, this corpus can sustain a monthly withdrawal of Rs. 3 lakhs. However, it assumes disciplined withdrawals and minimal unexpected expenses.

Recommendations to Strengthen the Plan
Continue SIPs and contributions for at least 3 more years.
Monetize one real estate asset to improve liquidity and growth.
Rebalance your portfolio annually to align with market conditions and goals.
Final Insights
You are on track to achieve your retirement goals with your current assets. Regular reviews, disciplined investing, and strategic adjustments will ensure long-term success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Janak

Janak Patel  |65 Answers  |Ask -

MF, PF Expert - Answered on Jun 05, 2025

Money
I AM 80 YEARS OLD AND STILL WORKING AS A Consultant AND EARNING RS.1.5 LAKHS PER MONTH. I HAVE A CORPUS OF 182 LAKHS CONSISTING OF MF/ FD/ AND STOCKS. I CONTEMPLATE RETIRING IN 6 MONTHS. REQUEST PL.SUGGEST IF MY CURRENT CORPUS WILL SUFFICE UNTIL AGE OF 95. MY MONTHLY EXPENSES ARE RS.50000.00. I HAVE NO LIABILITY AND MY WIFE IS THE ONLY DEPENDENT. SELF AND WIFE ARE CO.VERED UNDER MEDICLAIM.AWAITING UR VALUED OPINION
Ans: Hi Sivaramakrishnan,

Congratulations on having an active working life at the age of 80.

For your monthly expenses of Rs 50000 and assuming an inflation of 7% over the next 15 years, you require approx. Rs 85 lakhs (today).

You already have Rs 182 lakhs (not including any further savings over the next 6 months) invested across MF/ FD/ and STOCKS.

I recommend you have a systematic withdrawal plan from your investments for your annual expenses.
Depending on how you have spread your investments, you can decide on the approach.
For MFs - its simple to do a SWP for an amount each month.
For FDs - you may need to liquidate them, so instead of breaking them, plan to use them at their maturity if its within six months of your requirement. if the maturity is long term, and you have a need then you may need to liquidate. Also check if there is an option to make them Sweep-in type FD, which means that when your account has less balance, it will move money from FD to account. Discuss with your bank on options available to you.
For Stocks - You can decide when to liquidate them. If you wish to move away from stocks, then you can consider investing in so hybrid Mutual fund schemes considering your time horizon.

Overall you will be looking to grow approx. Rs 1 crore over the next 15 years and this can grow to an amount of Rs 3 crores at 8% returns.

So your current corpus is more than sufficient and even if you increase your monthly expenses, you will have a surplus after 15 years.
Happy retirement and a healthy life ahead.

Thanks & Regards
Janak Patel
Certified Financial Planner.

..Read more

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Nayagam P

Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

Asked by Anonymous - Aug 15, 2025Hindi
Career
Sir I have been offered ECE with specialization in Avionics at RGNAU should I accept it as it is a desirable branch but I am confused whether to accept it as it is a relatively new institution and it has introduced the course this year itself. I have plans for Mtech too, should I accept it or consider a drop year ?
Ans: Rajiv Gandhi National Aviation University (RGNAU) is a specialized central university established in 2013, offering India’s only BTech ECE with Avionics specialization, designed in collaboration with top aviation organizations and companies like HAL, ISRO, BEL, Boeing, and Airbus. The newly introduced Avionics branch delivers an industry-embedded curriculum and hands-on learning through partnerships and regular internships at aviation hubs. While campus infrastructure includes modern hostels, advanced labs, and simulation facilities, extracurricular activities and fests are limited but growing. Placement support for aviation roles is strong, with the university reporting above 85% placement rates, but most opportunities are sector-specific, with roles in airports, airlines, ATC, and related entities; overall corporate placement diversity remains limited due to the niche field. Faculty comprise seasoned aviation professionals blending academic and industry insights, and research culture is developing, supporting further studies including MTech at leading institutions. The program’s newness means limited alumni and track records, which may affect immediate visibility.

Recommendation: Choose RGNAU ECE Avionics if committed to a unique career in avionics and aviation technology; consider a drop year only if aiming for older, established institutions offering broader engineering specializations and campus activities. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

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We are from UP. Daughter got CSE in IET LUCKNOW and IIIT UNA CSE (Cyber security), where should join keeping UPSC as primary target and software engineer coding as backup plan...?
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Recommendation: Prefer IET Lucknow CSE for proximity to home, greater support for UPSC goals, strong peer network, manageable workload, and stable placements; IIIT Una CSE is ideal if tech specialization and industry roles are higher priorities. All the BEST for a Prosperous Future!

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My son has got IIIT kurnool cs branch, in csab round 1, what's your take on the college? We are from Delhi, there's is a possibility that he might be allocated NIT Delhi Electrical branch. What should be preferred ? We are from Gen category and the son's CRL rank was 42276. Please advice.
Ans: Vivek Sir, IIIT Kurnool, established in 2015 under the Ministry of Education, is focused on computer science and engineering with an emerging national footprint. Its placement rates have ranged from approximately 59–80% in recent years, with top recruiters like Amazon, Cisco, and Capgemini visiting campus. The CSE program is industry-oriented, faculty credentials are improving, infrastructure is modern, and students report a good academic culture and active participation in internships and hackathons, though research exposure and alumni networks remain limited due to the institute’s recent establishment. NIT Delhi Electrical Engineering, also a newer NIT, achieves consistently high placement rates (89–92%), strong corporate alliances, modern labs, and a challenging academic environment; the faculty is supportive, and software or non-core technical placements are accessible even for electrical students. For CSAB 2025, NIT Delhi Electrical closed between CRL 37307–42758 for Home State, indicating a possibility for your son’s admission with CRL 42276 (if Home State applies).

Both colleges offer solid placements and learning atmospheres, but NIT Delhi—being closer to your city and offering wider traditional engineering exposure plus access to Delhi’s technology ecosystem—has a slight edge for general career options and progression.

Recommendation: Prefer NIT Delhi Electrical Engineering for its higher placement rates, location advantage, robust faculty, and broad career opportunities, followed by IIIT Kurnool CSE, which excels largely in tech-focused sectors. All the BEST for a Prosperous Future!

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Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

Career
I have got CSE in NIT Allahabad should I use my float opion for CSE in NIT Calicut? Which is better for CSE - NIT Allahabad or NIT Calicut or NIT Suratkhal
Ans: Motilal Nehru National Institute of Technology Allahabad (NIT Allahabad), National Institute of Technology Calicut (NIT Calicut), and National Institute of Technology Karnataka Surathkal (NIT Surathkal) all rank among India's top-tier technical institutes, each delivering exceptional outcomes in computer science and engineering. NIT Calicut tops recent placement records with CSE securing 96.77% placements, closely followed by NIT Allahabad at around 90–95% and NIT Surathkal consistently above 83%. NIT Calicut’s CSE curriculum and faculty have enabled renowned global company recruitments, almost perfect placement rates, and high-end industry internships, while NIT Surathkal offers historic legacy, prominent alumni, and robust research engagement, with CSE placements in major product and service firms. NIT Allahabad produces well-rounded graduates, maintaining high placement rates, notable median packages, active academic-industry collaborations, and dynamic campus life. All three institutes provide leading infrastructure, experienced faculty, research centers, student clubs, and strong campus life, with independent strengths in innovation and industry connect.

Recommendation: Opt for NIT Calicut CSE for its superior placement percentage and national reputation, followed by NIT Surathkal, then NIT Allahabad, in that priority order for career advancement and research opportunities. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Aug 15, 2025

Asked by Anonymous - Aug 12, 2025Hindi
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Hello sir I get Electronics and computer engineering in YMCA faridabad and ECE In GL BAJAJ NOIDA Which is good in terms of Academic and placement .
Ans: JC Bose University of Science and Technology, YMCA Faridabad, consistently records NIRF rankings in the top 150 and is renowned for strong academic programs and faculty expertise, particularly in Electronics and Computer Engineering. Placement rates for its technical branches, including ECE and ENC, consistently range from 89–96%, with leading recruiters like Adobe, Cisco, Samsung, and Goldman Sachs offering diverse roles in IT, analytics, and electronics sectors. Internship opportunities and campus facilities are comprehensive, supporting holistic development and industry readiness. GL Bajaj Institute of Technology & Management, Noida, is a highly rated private college with up-to-date infrastructure and strong industrial linkages for ECE, claiming high placement rates (up to 97%) and significant participation from top companies such as Intuit, Adobe, Capgemini, and Bosch, but student reviews highlight variable academic rigor and relatively newer faculty compared to YMCA. Placement trends for ECE at GL Bajaj are impressive, aligning with tech industry demands, yet its national academic reputation and depth of research activity are less established than those of YMCA Faridabad.

Recommendation: Opt for Electronics and Computer Engineering at YMCA Faridabad for superior academic strength, legacy faculty, robust placements, better national rankings, and wider career opportunities in both electronics and computing. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Aug 15, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir , my son got admission in Thapar institute of technology Patiala in Robotics and AI and got selected in a new age school Newtown school of technology in CS and AI . Pls suggest which he should go for
Ans: Thapar Institute of Engineering & Technology Patiala, established in 1956 and ranked within India’s top 20 engineering institutes, offers robust training in Robotics and AI, leveraging strong faculty expertise, advanced research labs, solid industry connections, and 83–96% placement rates over the past three years. Its sprawling 250-acre campus, vibrant student life, experienced faculty, and frequent corporate tie-ups foster student innovation and professional growth in deep tech and automation domains. Newton School of Technology, Sonepat—a new-age school focused on CS and AI—boasts cutting-edge curriculum, modern infrastructure, 98% claimed placement rates, and over 2,500 students placed with global MNCs, but is relatively new, with early-stage industry reputation, faculty and alumni footprint still growing. The institution emphasizes strong industry immersion and a project-driven pedagogy, which suits fast-paced tech careers, yet lacks the legacy and multi-dimensional campus environment Thapar provides. While both schools are forward-looking, Thapar’s proven career outcomes, quality assurance, and robust mentorship advantage established graduates across all domains of advanced engineering.

Recommendation: Choose Thapar Institute Patiala Robotics and AI for its established academic calibre, diverse opportunities, high placement rates, and secure long-term career progression in engineering and technology. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

Nayagam P

Nayagam P P  |10303 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2025

Career
My daughter got B. Com(Hons) in LSR DU and BS in data Science and AI IIM Sambalpur What to choose? Need suggestion
Ans: Seema Madam,
Lady Shri Ram College (LSR), Delhi University, offers a nationally top-ranked B.Com(Hons) with a legacy of academic excellence, selective admissions, and robust faculty expertise. The program achieves high placement rates: median offers above 70%, top recruiters including Big 4 consultancies, investment banks, and MNCs, with graduates excelling in commerce, finance, and management and often pursuing top postgraduate programs. LSR provides a vibrant campus life, multiple student organizations, extensive alumni networks, and strong peer-driven learning. IIM Sambalpur’s BS in Data Science and AI is a pioneering, fully residential four-year program aligned with modern interdisciplinary standards, blending analytics, artificial intelligence, and business, led by experienced faculty and a project-driven curriculum, with capstone internships and industry mentorship. Though placements for the first cohort are evolving, the institute leverages the IIM brand and industry alliances for advanced roles in tech, business analytics, and research; career outcomes are projected to be strong, but concrete placement data is nascent due to the newness of the program.

Recommendation: Choose LSR B.Com(Hons) for established reputation, secure placement percentages in commerce, and wider postgraduate options; prefer IIM Sambalpur only if highly committed to emerging tech careers and interdisciplinary study in data science and AI, given the program’s innovative but evolving nature. All the BEST for a Prosperous Future!

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