Hi Sir, I hope you're doing well. I have a question that I think you might be able to assist me with. I'm 52 years old and currently need to plan for my children's education expenses. My elder child's education is ongoing and requires 10 lakhs, while my younger child will require 30 lakhs in two years. Here's a breakdown of my investments: Stocks, Mutual Funds, and Portfolio Management Services amount to 2.6 crores, and I have 40 lakhs in my Provident Fund. I also receive a monthly rent of 2 lakhs. If I estimate my monthly expenses at 1 lakh, do you think I can retire comfortably with this corpus? In the worst-case scenario, I can liquidate one of my properties, which could yield 3 crores. Ideally, I would like to retire without touching my real estate investments. My life expectancy is 85 years. Additionally, I have medical insurance coverage of 12 lakhs plus a top-up of 90 lakhs. I plan to travel twice a year during retirement, with an estimated expenditure of 1.5-2 lakhs per year. I would appreciate your insights on this matter. Thank you, Geo

Ans: HI,
Primarily issued by the STATE GOVERNMENT. However, Central also recognises these certificates for specific purposes, like central Govt. jobs and for admissions (central educational institutions, and all India competitive exams).
In simple terms, both governments are issuing OBC certificates, and the central OBC certificate is generally accepted for central government benefits, while the state certificate is primarily for state-level benefits.
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Ans: HI,
What have you learned from UG in biotech, and in which field are you an expert? Can you share the details with me?
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Ans: HI,
IT IS UPTO YOU.

Ans: HI,
It might be competitive in AIQ at Nirma. Just go through the previous trend and stay updated on the current year's notifications to get a clear idea of your chances.
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Ans: Rinki, With an EWS rank of 17,181 and overall JEE Main rank of 24,909, your chances for direct CSE admission in IET Lucknow are limited, as the latest home-state EWS closing for CSE was 51,729 and IT was 55,686, with ECE closing at 58,873—placing you well above previous cutoffs for these branches at IET Lucknow. For KNIT Sultanpur, EWS (home state) closing ranks for CSE and IT were 65,599 and 77,270 respectively; your rank is within range for IT and ECE, especially in later rounds. The Centre of Advanced Studies at AKTU offers only M.Tech, not B.Tech, so it's not an option for undergraduate engineering currently. Both IET and KNIT are Tier-1 state government institutes known for strong technical curricula, good infrastructure, hostel facilities, and stable placements (averaging 75–85% for IT/ECE across the last three years). These institutes have experienced faculty, vibrant student life, national accreditation, and good alumni networks.

Recommendation: Select IT or ECE at KNIT Sultanpur, as admission for these branches is highly feasible with your rank. IET Lucknow remains possible in lower-demand branches, but for high-demand branches, KNIT Sultanpur provides a reliable government option with solid academic outcomes, campus facilities, and placement support. Have 2-3 more options as back-ups instead of relying only on these 2 colleges. All the BEST for a Prosperous Future!

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Ans: Bharati Madam, For CSAB 2025, your daughter's EWS JEE Main rank of 29,672 and CRL rank of 204,481 are not sufficient to secure CSE, ECE, or EEE in top NITs, IIITs, or GFTIs, as previous year cutoffs show that even newer or less-sought IIITs and GFTIs typically close CSE/ECE admissions between EWS ranks of 18,000–23,000 and CRL up to 1,50,000 at best. Branches such as Mechanical or Civil may be available at some institutes. For MHT-CET, her 95.95 percentile Maharashtra domicile places her beyond the cutoffs for CSE/ECE at COEP Pune, VJTI Mumbai, and ICT Mumbai, as these require 99+ percentiles for top branches. However, admission is fully feasible for CSE, ECE, and EEE in several Mumbai region Tier-1 colleges. A thorough review of official MHT CET and institutional cutoffs affirms these options for strong technical education, industry exposure, and city-centric placements.

Tier-1 Mumbai Region Colleges for MHT-CET 95.95 Percentile with options in CSE, ECE, and EEE include: PICT Pune (Pune), SPIT Mumbai (Mumbai), DJ Sanghvi College (Mumbai), Thadomal Shahani Engineering College (Mumbai), Ramrao Adik Institute of Technology (Navi Mumbai), K.J. Somaiya College of Engineering (Mumbai), V.E.S. Institute of Technology (Mumbai), Terna Engineering College (Navi Mumbai), Atharva College of Engineering (Mumbai), and Sardar Patel Institute of Technology (Mumbai). Admission is nearly certain at these colleges based on previous cutoffs for her percentile, branch choices, and Maharashtra domicile. These colleges span the Mumbai metropolitan area, Navi Mumbai, and Pune, with modern infrastructure, experienced faculty, strong placement records (70–90% in major branches), and national-level recognition through NAAC/NBA and NIRF rankings.

For your daughter’s academic profile, prioritize PICT Pune and SPIT Mumbai for their strong placement and technical training, followed by DJ Sanghvi and K.J. Somaiya, which offer balanced education with excellent industry exposure. Thadomal Shahani is a strong option for a comprehensive academic environment and competitive placements. This sequence maximizes branch preference, campus life, and career opportunities in Mumbai’s top engineering ecosystem. All the BEST for a Prosperous Future!

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Ans: Please provide 12th Grade Score | Your Home State | Appeared for any Entrance Exam Details to answer precisely.

Ans: NMIMS Mumbai’s MPSTME Mechanical Engineering program, accredited by AICTE and NAAC ‘A+,’ delivers a hybrid diploma-BTech curriculum with advanced manufacturing, robotics, and CAD/CAM labs. Recent placement trends show over 95% placement through strong industry tie-ups and alumni mentorship. K J Somaiya School of Engineering holds NAAC ‘A’ accreditation, boasts a 90% mechanical placement rate, and features dedicated research centers in materials and renewable energy, supported by seasoned faculty and active industry collaborations. Dwarkadas J. Sanghvi College of Engineering, NAAC-accredited and autonomous, records 85–88% placements in mechanical roles, emphasizes hands-on project work, and maintains a robust training and placement cell. Fr. Conceicao Rodrigues College of Engineering, NAAC ‘A,’ achieves around 80% core mechanical placements, offers interdisciplinary labs and strong student-faculty engagement, though on a smaller scale compared to its peers.

Recommendation: Prioritize NMIMS MPSTME for its superior placement consistency, cutting-edge infrastructure, and comprehensive curriculum, followed by K J Somaiya for its strong research focus and placement record. DJ Sanghvi offers balanced exposure and outcomes, while FCRCE is ideal for personalized learning within a compact academic setting. All the BEST for a Prosperous Future!

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Ans: HI ABHISHEK
In later rounds, you can try. There may be possibilities, but not in the current round.
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