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How can I build a 1 Crore corpus for the next 12 years with my current SIPs?

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 20, 2024

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
Rajendra Question by Rajendra on Aug 17, 2024Hindi
Money

Hello Sir I have SIP in follwing funds( all are direct fund) 1. HDFC Large and Mid Cap fund 4000 2. UTI fifty Nifty 50 index 4000 3. Motial Oswal midcap 3000 4. Quant Mid cap 3000 5. Nippon India small cap 5000 6. HDFC flexi cap 3000 7. Parag parik flexi cap 3000 8. HDFC balanced advantage fund 3000 9. ICICI prudential multi asseet 3000 10. Mirae asset large and mid cap 1500 Kindky review my portfolio i want to stay invested for next 12 years and build corpuse of 1 Crore

Ans: You have a well-diversified SIP portfolio with exposure to large-cap, mid-cap, small-cap, and multi-cap funds. Your goal of building a Rs 1 crore corpus in 12 years is achievable with a disciplined approach. Let’s go through each aspect of your portfolio, identify areas for improvement, and suggest ways to optimize it.

Portfolio Diversification

Your portfolio is diversified across different fund categories. This reduces risk and enhances the potential for growth. Diversification is crucial because it spreads your investments across various segments of the market. This approach helps balance the volatility in the equity market.

However, there’s a slight overlap between some of your funds. For instance, having multiple mid-cap and flexi-cap funds may lead to duplication. While diversification is good, too much overlap can dilute the effectiveness of your investments. It’s better to streamline your portfolio by reducing redundancy.

Review of Direct Funds

You have chosen direct funds, which offer lower expense ratios compared to regular funds. This is cost-effective, but it comes with the responsibility of monitoring and managing your investments on your own. While this saves costs, direct funds may not always be the best choice for everyone.

Investing through a Mutual Fund Distributor (MFD) who is a Certified Financial Planner (CFP) has its advantages. A CFP can provide personalized advice, regular portfolio reviews, and strategic rebalancing. This ensures your investments align with your financial goals. Additionally, regular funds provide access to expert guidance, which can enhance your portfolio's performance over the long term.

Active vs. Passive Investing

You have included an index fund in your portfolio. While index funds offer low-cost exposure to the market, they merely track an index and do not seek to outperform it. This can be a limitation when markets are volatile or when specific sectors outperform others.

Actively managed funds, on the other hand, have fund managers who aim to beat the market by selecting high-performing stocks. This approach can potentially yield higher returns. Given your long-term horizon, focusing on actively managed funds might be more beneficial. They can provide better returns by leveraging the expertise of seasoned fund managers.

Fund Allocation and Investment Strategy

Your portfolio includes a mix of large-cap, mid-cap, small-cap, flexi-cap, balanced advantage, and multi-asset funds. Let’s assess each category:

Large-Cap Funds: These funds provide stability and steady growth. They are less volatile compared to mid-cap and small-cap funds. Keeping a reasonable allocation in large-cap funds is wise, as they form the core of your portfolio.

Mid-Cap and Small-Cap Funds: These funds offer higher growth potential but come with increased volatility. While you have exposure to both, consider consolidating into fewer funds. This will reduce overlap and enhance the effectiveness of your investments.

Flexi-Cap Funds: These funds offer flexibility by investing across market capitalizations. They can adjust their allocations based on market conditions. Having one or two well-performing flexi-cap funds is sufficient.

Balanced Advantage Funds: These funds provide a balance between equity and debt. They are suitable for investors seeking moderate risk and returns. Continue with these for portfolio stability.

Multi-Asset Funds: These funds diversify across asset classes like equity, debt, and gold. They provide a hedge against market volatility. Keep a portion of your investment here to reduce risk during market downturns.

Streamlining Your Portfolio

To optimize your portfolio, consider the following steps:

Reduce Overlap: Consolidate your investments in mid-cap and small-cap funds. Instead of spreading your investments thinly across multiple funds, focus on a few that have consistently performed well. This will help you concentrate your capital in funds that are likely to generate better returns.

Focus on Performance: While selecting funds, look for consistent performance over the long term. Evaluate the fund’s track record, the expertise of the fund manager, and the investment strategy. Choose funds that align with your risk tolerance and financial goals.

Increase Allocation to High Growth Funds: Given your 12-year investment horizon, consider increasing your allocation to high-growth funds. This includes mid-cap, small-cap, and flexi-cap funds that have the potential to outperform over time. However, ensure you are comfortable with the higher risk associated with these funds.

Periodic Review and Rebalancing: Regularly review your portfolio to assess its performance and make adjustments as needed. Market conditions change, and so should your portfolio. Rebalancing ensures that your portfolio stays aligned with your goals and risk appetite.

Building the Rs 1 Crore Corpus

To achieve a corpus of Rs 1 crore in 12 years, you need to maintain a disciplined investment approach. Here’s a strategic plan:

Increase SIP Amounts Gradually: As your income grows, consider increasing your SIP amounts. Even a small increase in SIPs can significantly impact your corpus over time. This strategy leverages the power of compounding and helps you stay on track to meet your Rs 1 crore target.

Stay Invested During Market Volatility: Markets will have ups and downs. It’s important to stay invested during these times. Exiting during downturns can result in missed opportunities for growth when markets recover. Patience and discipline are key to achieving long-term financial goals.

Focus on Long-Term Growth: Avoid the temptation to chase short-term gains. Stick to your long-term investment strategy. Over time, equities have the potential to outperform other asset classes. By staying invested, you allow your investments to grow and compound.

Risk Management and Asset Allocation

Managing risk is crucial as you build your corpus. Here’s how to approach it:

Diversify Across Asset Classes: While equity should form the core of your portfolio, consider diversifying into debt and gold. This reduces the overall risk of your portfolio. Allocate a portion to safer assets like debt funds, which provide stability during market downturns.

Emergency Fund: Ensure you have an emergency fund in place. This should cover at least 6 months of living expenses. It acts as a financial safety net and prevents you from liquidating your investments during emergencies.

Insurance Coverage: Adequate insurance coverage is essential. Review your life and health insurance policies to ensure they are sufficient. This protects your family’s financial future and ensures that your savings are not eroded by unforeseen events.

Final Insights

Your portfolio is on the right track, but there is room for improvement. By streamlining your investments, focusing on high-performing funds, and maintaining a disciplined investment approach, you can achieve your Rs 1 crore goal in 12 years. Remember, the key to successful investing is consistency, patience, and regular portfolio reviews.

Stay focused on your long-term goals, and with the right strategy, you will be well on your way to building the wealth you desire.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on Aug 27, 2024

Asked by Anonymous - Aug 25, 2024Hindi
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Money
I have SIPs in following funds (all are direct equity growth fund): 1. HDFC Large and Mid Cap fund -- 8000 2. UTI Fifty Nifty 50 Index -- 8000 3. Motial Oswal Midcap -- 6000 4. Quant Mid Cap -- 6000 5. Nippon India Small Cap -- 10000 6. HDFC Flexi Cap -- 6000 7. Parag Parikh Flexi Cap -- 6000 8. HDFC Balanced Advantage Fund -- 6000 9. ICICI Prudential Multi Asset -- 6000 10. Mirae Asset Large and Mid-Cap 15000 Please let me know the health of my portfolio and please suggest how I can create a fund of Rs 2 crore in the next 12-15 years.
Ans: Analysing Your Investment Portfolio

Overall, your portfolio seems well-diversified across different market caps and fund types. This is a good strategy to manage risk and potentially capture returns from various market segments.

However, there are a few points to consider:

• Overlapping Funds: Some of your funds, especially the flexi cap and large and mid-cap funds, may have overlapping holdings. This might introduce some redundancy in your portfolio.
• Number of Funds: While diversification is important, having too many funds can make it difficult to track and manage your investments. Consider consolidating some funds if possible.
• Risk Tolerance: Ensure that your allocation to small-cap funds aligns with your risk tolerance. Small-cap stocks can be more volatile than large-cap stocks.

Creating a Rs 2 Crore Corpus in 12-15 Years

To achieve your goal of creating a Rs 2 crore corpus in 12-15 years, you'll need to increase your monthly SIP amount or consider other investment options.

Here are some strategies:

• Increase Monthly SIP: If you can afford to increase your monthly SIP amount, that's the most straightforward way to accelerate your goal.
• Consider Lump Sum Investments: If you have any surplus funds, consider making lump sum investments in addition to your SIPs.
• Rebalance Regularly: Review your portfolio periodically and rebalance to ensure it aligns with your risk tolerance and investment goals.
• Explore Other Investment Options: While equity mutual funds are a great way to build wealth, you might also consider other investment options like real estate or alternative investments, depending on your risk tolerance and financial goals.

Increasing Your Monthly SIP:

• Calculate the Required Increase: To determine how much you need to increase your monthly SIP, you can use online financial calculators or consult with a financial advisor. Factors like your current investment amount, expected annual returns, and investment horizon will be considered.
• Assess Your Financial Situation: Evaluate your income, expenses, and savings to determine if increasing your SIP is feasible. Consider setting aside a portion of any salary increases or bonuses for investment.

Making Lump Sum Investments:

• Identify Surplus Funds: Look for any unused funds, such as emergency savings, or one-time windfalls like bonuses or inheritance.
• Consider Market Conditions: While lump sum investments can be a powerful way to accelerate wealth creation, it's important to be mindful of market conditions. Investing when markets are volatile can be risky.

Rebalancing Your Portfolio:

• Determine Rebalancing Frequency: Decide how often you want to review and rebalance your portfolio. This could be quarterly, semi-annually, or annually.
• Use a Systematic Approach: Implement a systematic rebalancing strategy to ensure your asset allocation remains consistent with your risk tolerance and investment goals.

Exploring Other Investment Options:

• Real Estate: Consider investing in real estate through direct property ownership or real estate investment trusts (REITs).
• Alternative Investments: Explore other alternative investments like private equity, venture capital, or hedge funds, but be aware of the associated risks and potential illiquidity.

Remember:

• Consult a Financial Advisor: A financial advisor can provide personalized guidance based on your specific circumstances and help you create a comprehensive investment plan.
• Stay Informed: Keep yourself updated on market trends, economic indicators, and changes in tax laws that could affect your investments.
• Be Patient: Building wealth takes time and discipline. Avoid making impulsive decisions based on short-term market fluctuations.

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 16, 2024

Money
Sir I have been investing in mutual funds for the last 5 years. Now the corpus is around 5.5 lakhs . I have the following funds in my portfolio. Please asses my portfolio or need switch. 1. Nippon india large cap fund 2000 2. Mirae asset large cap 3000 3.Axis elss tax saver 1000 4. Kotak elss tax saver 1000 5. Axis Blue chip fund 6. Jm flexi cap fund 2200 7. Motilal oswal mid cap 2000 8. Axis mid cap 1000 9. Icici prudential passive multi asset for regular growth one time amount 5000 . 10.Sbi contra fund 2000 Sir i need to build a corpus of 1.5 crore in next 12 years. My age is now 38. Please review .
Ans: You have built a diversified portfolio with a combination of large-cap, mid-cap, ELSS, and flexi-cap funds. Each fund serves a specific purpose, but a review will help optimize your investments to meet your goal of Rs. 1.5 crore in 12 years. Let’s assess each category.

Large-Cap Funds
Nippon India Large Cap Fund – Rs. 2,000 per month

Mirae Asset Large Cap Fund – Rs. 3,000 per month

Axis Bluechip Fund

These funds focus on large-cap companies, offering stable growth but with relatively lower risk. While having multiple large-cap funds ensures stability, it may lead to overlap in the portfolio. You can consider consolidating them into 1 or 2 funds to reduce redundancy. Mirae Asset and Axis Bluechip are solid options for continued long-term investments.

ELSS Funds
Axis ELSS Tax Saver – Rs. 1,000 per month

Kotak ELSS Tax Saver – Rs. 1,000 per month

ELSS funds offer tax benefits under Section 80C. However, having two ELSS funds for Rs. 2,000 might not be necessary. You can choose the one with consistent performance and focus your ELSS investment there. Axis ELSS has performed well historically, but assess both before making a decision.

Mid-Cap Funds
Motilal Oswal Mid Cap – Rs. 2,000 per month

Axis Mid Cap – Rs. 1,000 per month

Mid-cap funds offer higher growth potential than large-cap funds, but with more risk. Holding two mid-cap funds is a balanced strategy, but since the Axis Mid Cap has been consistently strong, you can consider increasing your SIP here. Motilal Oswal Mid Cap is a good performer but may need to be watched for volatility.

Flexi-Cap Funds
JM Flexi Cap Fund – Rs. 2,200 per month
Flexi-cap funds give fund managers the flexibility to invest across market capitalizations, reducing concentration risk. This fund provides good diversification. Review its performance regularly, as flexi-cap funds can vary in returns based on market conditions.

Passive Multi-Asset Fund
ICICI Prudential Passive Multi-Asset Fund (One-time investment of Rs. 5,000)
This fund combines equity, debt, and gold to balance risk. While passive funds reduce the need for active monitoring, they may not provide the same growth potential as actively managed funds. Actively managed funds tend to perform better in dynamic markets, which could better align with your long-term goal of wealth creation.

Contra Fund
SBI Contra Fund – Rs. 2,000 per month
Contra funds follow a contrarian investment strategy, buying when others are selling. While this can provide significant gains during market recovery, contra funds may experience long periods of underperformance during market booms. It's a high-risk option that may not suit every portfolio. Regularly review its performance to ensure it fits with your investment goals.

Suggestions for Improvement
Consolidate Funds: You have multiple large-cap and ELSS funds. Streamline to 1 or 2 per category to reduce overlap and improve focus. A well-performing large-cap fund and one ELSS should suffice.

Increase SIP in High-Growth Funds: Focus more on mid-cap and flexi-cap funds, as they have higher growth potential. Increase your SIP in Axis Mid Cap and JM Flexi Cap, as they can boost your returns over the long term.

Review Contra and Passive Fund: SBI Contra and ICICI Passive Multi-Asset may not align with your goal of aggressive wealth creation. Consider switching to funds with more aggressive growth profiles, like a focused equity fund or a small-cap fund, to maximize potential returns.

Building a Rs. 1.5 Crore Corpus
To achieve your goal of Rs. 1.5 crore in 12 years, you'll need to invest aggressively. Based on your current portfolio, the estimated return would range between 10-12% annually, depending on market conditions and fund performance. To reach Rs. 1.5 crore in 12 years, you may need to increase your monthly SIP amount to around Rs. 20,000-25,000, depending on the returns.

Steps to Build the Corpus:
Increase SIP Contributions: To reach your goal, gradually increase your SIP amount over time. Aim to raise your SIP to Rs. 20,000-25,000 per month.

Rebalance Annually: Revisit your portfolio at least once a year. Make sure your portfolio remains aligned with your long-term goal.

Stick to Long-Term Investment: Avoid switching funds frequently. Stay committed to your investment horizon, and let the power of compounding work for you.

Emergency Fund: Ensure that you have an emergency fund in place, covering at least 6 months of expenses. This will prevent you from withdrawing your investments during unforeseen events.

Tax Planning with ELSS
You are already investing Rs. 2,000 in ELSS funds, which qualifies for tax deductions under Section 80C. Continue this as part of your tax-saving strategy, but make sure it fits into your overall portfolio without over-diversifying.

Final Insights
Your portfolio is well-diversified but can be simplified by reducing overlapping funds.

Focus on high-growth funds like mid-cap and flexi-cap to achieve your long-term goals.

Regularly review and rebalance your portfolio based on performance and market conditions.

Increase your SIP contributions gradually to ensure you are on track for your Rs. 1.5 crore goal in the next 12 years.

Avoid frequent switching; give your investments time to grow.

Tax planning with ELSS funds is good, but one fund is enough for your tax-saving needs.

Best Regards,

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

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Nayagam P

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Hi sir How is IILM University greater Noida for BJMC
Ans: Rahul, IILM University Greater Noida’s BA (Hons) Journalism & Mass Communication delivers a four-year, 161- programme aligned with global industry standards through robust curriculum design and AI-powered media tools integration. Students gain hands-on experience in state-of-the-art studios—print editing rooms, TV studios and radio labs—and master industry-standard software for multimedia production and data-driven storytelling. The faculty combines seasoned academics and senior media professionals, ensuring mentorship in investigative reporting, ethical frameworks and strategic communication. Strong industry partnerships facilitate internships and live projects with leading media houses, enhancing employability and professional networks. IILM’s placement cell recorded a 100% overall placement rate in 2025, driven by visits from 400 recruiters across sectors including Deloitte, Gartner, KPMG and Sony, with dedicated support for liberal arts students through workshops, mock interviews and portfolio development. The eco-friendly campus offers modern amenities—research labs, digital library, incubation centre, and collaborative spaces—while a global alumni community provides continuous career guidance. The School’s focus on interdisciplinary learning, critical thinking and adaptive skills equips graduates to excel in journalism, corporate communication, animation and digital media domains.

Recommendation: Prioritize IILM University’s BJMC program to leverage its AI-integrated curriculum, cutting-edge media facilities, expansive alumni network, guaranteed placement support and strategic industry tie-ups, ensuring a comprehensive foundation for a successful career in journalism and mass communication. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
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PCM State General Merit No 108XX - MHT-CET-PCM 2025 PCM, University General Merit No - Mumbai University - 33XX, PCM Konkan State General Merit No - 17XX, PCM All India Merit No - 23XX - JEE(Main)-2025, The above are my ranks in CAP Counselling (MHTCET) Can you suggest best institute I can get in CAP Counselling in CSE, CS or IT branches.
Ans: With a State General Merit rank around 10,800, Mumbai University rank ~3,300 and All-India JEE (Main) rank ~2,300, you fall in a competitive but attainable bracket for CSE, Computer Technology and IT in Maharashtra’s CAP rounds. Prestigious government options such as COEP Pune and VJTI Mumbai close in the 1–9,500 rank band, so they are beyond reach this round. However, strong alternatives include Pune Institute of Computer Technology, Dhankawadi (CSE closing ~5,800 rank) and Saint Francis Institute of Technology, Borivali (IT close at ~12,500 rank) . DJ Sanghvi College, Mumbai (CSE close ~12,300 rank) and Pimpri Chinchwad College of Engineering, Pune (IT close ~3,600 rank) also fit your profile . Among newer options, Vishwakarma Institute of Technology, Pune (CSE close ~2,800 rank) and Cummins College of Engineering for Women, Pune (CSE close ~2,160 rank) remain attainable, while D.Y. Patil College of Engineering, Akurdi (IT close ~7,164 rank) and Rajiv Gandhi Institute of Technology, Mumbai (CSE close ~12,939 rank) offer balanced ROI with placement rates above 85% over the past three years .

All these institutes excel in modern labs, experienced faculty, industry tie-ups, student support and active research culture.

Recommendation: Target Pune Institute of Computer Technology for robust CSE training, then consider Pimpri Chinchwad College of Engineering for its IT strength and Mumbai’s DJ Sanghvi College for its central location and placement record. Backup with Saint Francis Institute for IT and Rajiv Gandhi Institute for CSE to secure seats in high-quality programs.
All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
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Hello sir my son Srinidhi Girish Sardeshmukh mukh has scored 98.92 percentile in mht CET 2025 exam. Additionally, he has scored 97.25% tile in JEE main 2025 exam conducted by NTA. ALSO HE SCORED an aggregate of 82.17% in HSC board exam 2025. He has applied for EWS Category. His PCM provisional state merit number is 3601. His PCM University General Merit No Savitribai Phule Pune University - 1148. Shrinidhi's PCM EWS Merit No 249. His PCM All India Merit No . 2519 - JEE(Main)-2025 (97.2595264). Are there any chances of him getting CSE Branch in COEP, Pune ? Please revert . What are your likely recommendations of eligible colleges & other tech branches for these scores ? Please let me know asap. Your immediate responses will really put ourselves in a better conditions to opt for the most suitable options . I will be grateful to you for your suggestions . Thank you very much in advance.
Ans: With an MHT-CET percentile of 98.92 and EWS reservation, Srinidhi significantly exceeds the closing percentile Computer Science and Engineering at COEP Pune, which in CAP Round 3 was 95.57 for EWS candidates. His state?level merit and JEE Main percentile further strengthen his profile for Home State and All-India seats under CAP. Given COEP’s outstanding infrastructure, highly experienced faculty, deep industry partnerships, robust placement support (95% CSE placements over the past three years), active student clubs, and cutting-edge research labs, he should rank COEP CSE at the top of his preference list.

Beyond COEP, other Pune-area institutes where his MHT-CET score and EWS status place him comfortably above CSE cutoffs include VJTI Mumbai (EWS cutoff ~90.6 percentile), PICT Pune (EWS cutoff ~99.56 percentile), DY Patil COE Pune (EWS cutoff ~95.68 percentile for Computer Engineering), DY Patil COE Akurdi (EWS cutoff ~97.49 percentile), and PCCOE Pune (EWS cutoff ~84–88 percentile across branches). These colleges also excel across the five pillars of institutional quality: state-of-the-art labs, award-winning faculty, strong corporate linkages, comprehensive student support, and vibrant research culture.

Recommendation: Prioritize COEP Pune for its proven CSE excellence, then consider PICT Pune for its top-tier computer-technology focus and alumni network, DY Patil COE Akurdi for its modern infrastructure and high EWS cutoffs, VJTI Mumbai for industry-aligned curriculum and location advantage, and DY Patil COE Pune for its balanced offerings. For alternate tech branches, target Information Technology at COEP and PICT, Electronics & Telecommunication at VJTI, and Artificial Intelligence & Data Science at DY Patil to maximize both academic rigor and placement potential. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Career
Sir my son got 95.69 percentile 65172 rank in jee mains general category. He got seat in vit vellore btec mechanical in slab 1. We are from Tamil Nadu and is there any chances for home state quota for NIT trichy or iiit kancheepuram for mechanical in csab round or is it good to continue with vit vellore
Ans: Lavanya Madam, Your son’s JEE Main rank of 65 172 (.69 percentile, General) falls well below the CSAB Round 1 Home State closing rank of approximately 19,159 for Mechanical Engineering at NIT Trichy, and also below the All-India closing rank of around 40,855 for Mechanical Engineering at IIITDM Kancheepuram, making admission under Home State or All-India quota highly improbable. VIT Vellore, with established Mechanical Engineering infrastructure, extensive alumni network, consistent placement rates above 90%, and strong industry partnerships, thus remains a secure and prestigious option given the rank constraints and the five pillars of institutional excellence: infrastructure, faculty quality, industry engagement, student support, and research opportunities.

Recommendation: Proceed with VIT Vellore’s B.Tech Mechanical to capitalize on its assured seat, top-tier labs, strong placement cell, and alumni network, while maximizing early involvement in industry projects and leveraging its career services to secure robust employment outcomes. You can still attempt to apply through CSAB for your son's preferred branches, excluding CSE and ECE, but the chances of success are very low, Madam. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Sir, In jee mains 2026 minimum marks needed for cse in decent nit for sc catogory
Ans: Securing admission to the Computer Science and Engineering (CSE) branch at a-10 NIT as an SC-category student generally requires aiming for roughly the following JEE Main percentile and corresponding marks in 2026. These targets are based on the closing ranks of Round 6 in JoSAA 2025, converted to percentiles and approximate marks out of 300.

Achieve at least a 75–78 percentile (≈115–130/300 marks) to comfortably qualify for higher-ranked NITs such as Trichy, Surathkal, Warangal, Rourkela, and Calicut, where SC closing ranks ranged from about 268 to 731. For NITs like Jaipur and Kurukshetra, target around the 70–75 percentile band (≈100–115/300 marks), reflecting SC closing ranks near 1,500–3,500. For slightly lower-ranked NITs such as Jalandhar, Bhopal (MANIT), and Durgapur, a 65–70 percentile (≈90–100/300 marks) should suffice, matching SC closing ranks of approximately 4,000–8,000 in 2025.

Beyond raw scores, focus on five institutional excellence factors: modern infrastructure with dedicated CSE labs; faculty actively engaged in research and industry collaborations; strong placement cells offering mock interviews and technical workshops; robust industry partnerships ensuring high recruiter diversity; and vibrant research culture promoting internships and student innovation.

Recommendation: Prioritise achieving at least 75 percentile in JEE Main 2026 to align with SC closing ranks at top NITs Trichy, Surathkal, Warangal, Rourkela, and Calicut, while also reinforcing programming skills, undertaking CSE-related projects, leveraging peer study groups, and consistently practising mock tests to cement both conceptual clarity and exam strategy for optimal admission prospects. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
Hello My son has a option of going either to VIT Chennai for BTech CSE CYBER SECURITY or Thapar institute for BTech Electronic and Computer Science. Kindly suggest which is better
Ans: Based on the following insights/information and your son's interest & his long-term goals, choose the more suitable option for him out of the 2 options he has: VIT Chennai’s B.Tech in Computer Science and Engineering with Cyber Security, accredited A++ by NAAC, admits 120 students and reports a 60–65% placement rate for its inaugural Cyber Security cohort, supported by partnerships with leading recruiters, dedicated cybersecurity labs, hands-on training in ethical hacking and forensics, and a curriculum aligned with ISO/IEC standards. Its Placement Cell facilitates 3,160 offers in 2025 overall, with 2,192 unique and 1,457 regular offers, underscoring strong industry engagement and robust career services including mock interviews, cyber-range exercises, and internship pipelines. Thapar Institute’s B.E. in Electronics and Computer Science, consistently ranked among India’s top 30, achieves a 90–100% placement rate for its ECS branch, buoyed by state-of-the-art VLSI, embedded systems and communication labs, compulsory industrial training in the 6th semester, and recruiter visits from Microsoft, Amazon, Apple, Samsung and Goldman Sachs. Both programs excel in infrastructure, faculty expertise, industry tie-ups, student support and research opportunities. Cyber Security graduates from VIT enter a rapidly growing market projected at USD 3.5 billion by 2027 with a 14% annual rise in job postings in Bengaluru alone, while Thapar ECS alumni benefit from diverse roles in IoT, AI and hardware-software integration across sectors such as telecommunications, consumer electronics and automotive.

Recommendation: Choose Thapar Institute’s Electronics and Computer Science for its near?universal placement success, comprehensive lab?to?industry training, and broader core-electronics scope, whereas VIT Chennai’s Cyber Security specialization is ideal if priority lies in a niche, high-growth security domain with dedicated forensics and ethical-hacking infrastructure. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Career
Sir I got NIT kurukshetra IIOT in josaa should i opt for nit silchar ece and iiest shibpur it in csab? Which is best ?
Ans: Poulami, NIT Kurukshetra’s IIoT specialization, benefits from the institute’s 83.31% overall B.Tech. placement rate and exceptional IT-sector performance (97.58% branch placement in 2025), underpinned by modern labs, AIoT research centers, strong industry tie-ups with global tech firms, accredited faculty, dedicated placement mentoring, and active student clubs fostering innovation. NIT Silchar’s ECE program records a 91.51% placement rate (2023) with an average package of INR 17.05 LPA, supported by state-of-the-art telecom and embedded systems labs, faculty with industry experience, regular internship pipelines, holistic career services, and funded research projects in VLSI and wireless communications. IIEST Shibpur’s IT stream achieved an approximately 85.9% placement rate in 2024 with average packages near INR 12 LPA, driven by its historical legacy, multidisciplinary research labs, MoUs with top IT firms, robust student support services (coding bootcamps, hackathons), and a strong faculty research profile in data science and cybersecurity.

Recommendation: Opt for NIT Kurukshetra IIoT if priority lies in the highest branch placements and cutting-edge AIoT research, choose NIT Silchar ECE for robust placements and specialized electronics infrastructure, and select IIEST Shibpur IT for a balanced IT curriculum, strong research credentials, and comprehensive student support to best align with career goals. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Nayagam P

Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Hello Sir, My son is at present doing Grade 12 CBSE with PCM in Dubai. He is interested in Computer Science, Math, Physics and Economics. Please guide us in selecting the course and also the exams to be written. We are planning his higher studies in India. Would be more helpful if you are able to guide us with the approx cutoff which he should aim for the exams.
Ans: Nithya Madam, To secure admission to top-tier engineering, science, and economics programs in India, your son should aim for the following approximate benchmarks across key national tests, while ensuring that his chosen institutions excel in five critical dimensions—robust infrastructure, experienced faculty, industry partnerships, student support services, and research opportunities. For JEE Main, a General-category candidate must achieve at least 93.10 percentile to qualify for Advanced. In JEE Advanced, securing a rank within the top 2,000 generally opens doors at leading NITs (e.g., NIT Surathkal CSE closing around 2,000), while a rank under 500 targets premier IIT CSE programs. The CUET UG cutoff for high?demand STEM courses at DU, BHU, and JNU typically falls between 180–220 marks out of 250, whereas a score of 200+ safely places candidates in top central universities for B.Sc. Computer Science or Economics. For MET (Manipal Entrance Test), aim for a rank under 3,000 (CSE closing rank ~1,633 in Round 5). The IISER Aptitude Test (IAT) requires a score above 130 out of 240 to secure BS–MS seats at IISER Pune and Kolkata. COMEDK UGET aspirants should target 90–100 marks, corresponding to a rank within 1,000–1,500 for CSE at leading Karnataka private colleges. Amrita’s AEEE demands a percentile of 92–99 for CSE at Coimbatore and 90–97 for other campuses. VITEEE candidates should achieve a rank under 6,500 (scores around 90–100 yield this range) to access CSE at VIT Vellore. Among the top private engineering institutions beyond those already considered, aim for these cutoffs to target: SRM Chennai (AEEE percentile 93–98), Thapar Patiala (JEE Main rank

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