Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |11390 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 09, 2026

Ramalingam Kalirajan has over 26 years of experience in MF distribution and wealth management. He holds an MBA in Finance from the University of Madras and is a CFP (Certified Financial Planner) credentialed professional. He is the Director of Holistic Investment, a Chennai-based AMFI-registered Mutual Fund Distribution (ARN-4188) and APMI-registered PMS Distribution firm (APRN07386), helping clients build long-term wealth through mutual funds and other investment solutions.... more
Samir Question by Samir on Jun 07, 2026
Money

Sir, I hope you are doing well. I would appreciate your review of my current mutual fund SIP portfolio and your assessment of whether it is suitably structured for long-term wealth creation. My current mutual fund portfolio value is approximately ₹45.2 lakh, with a total investment cost of approximately ₹41.3 lakh. My current SIP investment is ₹1.51 lakh per month, and my investment horizon is until 2040. My SIP portfolio is as follows: DSP Global Innovation FoF – ₹3,000 WhiteOak Flexi Cap Fund – ₹9,000 Bajaj Finserv Flexi Cap Fund – ₹10,000 HDFC Focused Fund – ₹3,000 Canara Robeco Mid Cap Fund – ₹3,000 HDFC Small Cap Fund – ₹10,000 HDFC Nifty 200 Momentum 30 Index Fund – ₹10,000 HDFC Nifty Next 50 Index Fund – ₹10,000 SBI Energy Opportunities Fund – ₹10,000 HSBC Consumption Fund – ₹10,000 Kotak Nifty 50 Equal Weight Fund – ₹10,000 Kotak Focused Equity Fund – ₹5,000 Kotak Multicap Fund – ₹5,000 HDFC Nifty Next 50 Index Fund – ₹5,000 ICICI Prudential Large Cap Fund – ₹5,000 Aditya Birla Sun Life Frontline Equity Fund – ₹3,000 DSP Small Cap Fund – ₹5,000 HDFC Small Cap Fund – ₹5,000 Mirae Asset Large Cap Fund – ₹5,000 JM Midcap Fund – ₹10,000 ICICI Prudential NASDAQ 100 Index Fund – ₹15,000 Total SIP: ₹1,51,000 per month Could you please advise on the following: Is my current mutual fund portfolio appropriately diversified? Are there any significant overlaps between funds that should be reduced or eliminated? Are the sectoral and thematic allocations at a reasonable level? Is the allocation across large-cap, mid-cap, small-cap, flexi-cap, international, and index funds suitable for my risk profile and investment horizon? Based on my current portfolio value and SIP amount, is achieving a corpus of ₹10 crore by 2040 a realistic expectation? If not, what changes or additional investments would you recommend to improve the probability of reaching this goal? I would appreciate your detailed feedback and recommendations. Thank you for your time and guidance Present amount 47 LAKHS already in.

Ans: Your commitment is excellent. A current corpus of about Rs 47 lakh and a SIP of Rs 1.51 lakh per month until 2040 gives you a strong foundation for long-term wealth creation. However, the main issue is not lack of diversification—it is over-diversification.

» Portfolio Structure

Positives:

Exposure across flexi-cap, large-cap, mid-cap, small-cap, international and thematic categories.
Good SIP size relative to your investment horizon.
Long investment period till 2040 allows you to absorb market volatility.

Concerns:

You have more than 20 funds.
Several funds are serving similar purposes.
Portfolio monitoring and rebalancing become difficult.
Excess diversification may dilute returns without meaningfully reducing risk.

» Overlap Analysis

There appears to be significant overlap among:

Multiple flexi-cap and focused funds.
Multiple large-cap oriented funds.
Multiple small-cap funds.
Multiple index-based funds tracking overlapping segments.

Having too many funds does not necessarily improve diversification. In many cases, the same stocks appear repeatedly across portfolios.

» Sectoral and Thematic Exposure

Your exposure to:

Energy
Consumption
Momentum
International technology-oriented themes

is acceptable as a satellite allocation.

However:

Thematic funds should remain a limited portion of the overall portfolio.
Excess concentration in themes can increase volatility.
Long-term wealth creation is usually driven by diversified core holdings rather than sector bets.

» International Allocation

International exposure provides diversification benefits.

However:

Keep it as a supporting allocation.
Avoid excessive dependence on overseas themes.
Currency movements and global market cycles can impact returns.

» Index Funds vs Actively Managed Funds

You have a meaningful allocation towards index and momentum strategies.

While index funds provide low-cost market participation:

They cannot avoid underperforming sectors.
They remain invested irrespective of market conditions.
They do not adapt to changing opportunities.

Actively managed funds can provide flexibility through stock selection, sector allocation and risk management. For a long investment horizon like yours, a healthy allocation towards actively managed funds can be beneficial.

» Can You Reach Rs 10 Crore by 2040?

Based on:

Current corpus of about Rs 47 lakh.
SIP of Rs 1.51 lakh per month.
Investment horizon of approximately 14 years.

A Rs 10 crore target appears achievable if:

SIPs continue consistently.
Investments remain largely equity-oriented.
You avoid unnecessary portfolio churn.
You increase SIPs periodically as income rises.

The biggest risk is not returns. The biggest risk is stopping SIPs, making emotional decisions during market corrections, or creating unnecessary complexity.

» Suggested Simplification

Instead of 20+ funds, consider gradually consolidating into a smaller structure comprising:

Flexi-cap allocation
Large & Mid-cap allocation
Mid-cap allocation
Small-cap allocation
Limited international allocation
Limited thematic allocation

This can improve monitoring and make future reviews much easier.

» Finally

Your portfolio is diversified, but arguably more diversified than necessary. The focus should now shift from adding funds to improving portfolio efficiency.

Reduce overlap over time.
Limit thematic exposure.
Continue SIP discipline.
Increase SIPs as income grows.
Review annually rather than reacting to short-term market movements.

The Rs 10 crore goal appears realistic from your current position, provided consistency remains stronger than fund selection.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

You may like to see similar questions and answers below

Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 05, 2024

Asked by Anonymous - Jan 25, 2024Hindi
Listen
Money
Dear Sir, I am a 35-year-old IT professional seeking your advice on my Mutual Funds portfolio. I would like to know if it looks good as it is or if any changes are needed. Here is the breakdown of my SIP portfolio: 1. Parag Parikh Flexi cap - ?7500 2. Quant Small Cap - ?4500 3. Axis Midcap - ?5500 4. Mahindra Manulife Multicap - ?2500 5. Mirae Asset Large and MidCap - ?3000 6. ICICI Prudential Ultra Short Term - ?18500 I utilize the ICICI Prudential Ultra Short Term fund to cover my life insurance (Jeevan Labh) with a sum assured of ?35 Lakhs. The yearly payment mode is ?1.92 Lakhs. Could you advise if this approach is appropriate? I have been investing in Mutual Funds for the past four years, with the current overall investment being ?8 Lakhs. Initially, I did not have specific goals, but now, with two children, I am looking to save for their education and my retirement. I plan to continue investing in Mutual Funds for the next 7 to 10 years. Additionally, I invest ?5000 per month each in PPF and SSY. I also have a car loan of ?10 Lakhs with an 8.8% interest rate over 48 months. The outstanding balance is ?9 Lakhs, and I pay ?25,000 per month towards the car loan. I can take moderately high risk. Could you provide insights on how my portfolio and investment plan look overall? Regards, Prakash
Ans: It's commendable that you are actively planning for your future and your children's education.

Analyzing your mutual funds portfolio:

Parag Parikh Flexi cap - ?7500
Quant Small Cap - ?4500
Axis Midcap - ?5500
Mahindra Manulife Multicap - ?2500
Mirae Asset Large and MidCap - ?3000
ICICI Prudential Ultra Short Term - ?18500

Your diversified allocation across different market caps and fund types is balanced. However, periodically review and rebalance based on market conditions and financial goals.

Regarding using ICICI Prudential Ultra Short Term for life insurance payments, it aligns with your moderate risk tolerance. Evaluate traditional life insurance for long-term security and assess tax implications.

Considering your 7 to 10-year horizon and moderate risk appetite, your portfolio seems well-aligned. Regularly revisit goals and adjust investments accordingly. Additional investments in PPF and SSY, along with a focus on long-term mutual funds, show a comprehensive approach.

Regarding the car loan, with an 8.8% interest rate, evaluate the opportunity cost of continuing versus early repayment based on investment returns.

Your investment strategy appears sound, but periodic reviews are crucial. Consult with a certified financial advisor for fine-tuning based on market conditions and personal developments.

..Read more

Ramalingam

Ramalingam Kalirajan  |11390 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Asked by Anonymous - May 23, 2024Hindi
Money
Hello sir , I am investing in the below mutual funds through SIP : 1)Parag Parikh Flexi Cap Fund Direct Growth - 15k with 6 months step up. 2)Mirae Asset ELSS Tax Saver Fund - 5K with Steps up each year 3)ICICI Prudential Technology Direct Plan Growth - 4.5K 4)Nippon India Small Cap Fund Direct Growth - 2.5K 5)Axis Bluechip Fund Direct Plan Growth - 3K Overall 30K investment per month in SIPs , I'm currently 27 year old. What do you think of current portfolio with an overview of next 8-10 years ?
Ans: Thank you for sharing details about your current investment portfolio. You have made thoughtful choices and show a commendable commitment to your financial future. Let’s analyse your portfolio and provide a strategic overview for the next 8-10 years.

Assessing Your Current Portfolio
You are investing Rs. 30,000 per month across five mutual funds. This diversification is beneficial and shows a proactive approach to building wealth. Each fund serves a unique purpose, contributing to a balanced portfolio.

Portfolio Components and Their Roles
1. Flexi Cap Fund
Flexi cap funds invest across market capitalisations, offering flexibility. This fund provides growth potential and mitigates risk through diversification. Increasing your investment every six months shows a disciplined approach.

2. ELSS Fund
The ELSS (Equity Linked Savings Scheme) offers tax benefits under Section 80C. Besides tax savings, it has the potential for high returns due to its equity exposure. Annual step-ups in your investment reflect a strategic plan for tax efficiency and wealth growth.

3. Technology Fund
Technology funds focus on the tech sector, which has high growth potential. However, it is subject to higher volatility. Your Rs. 4,500 monthly investment here adds a growth-oriented element to your portfolio.

4. Small Cap Fund
Small cap funds invest in smaller companies with high growth potential but also higher risk. Your Rs. 2,500 investment in a small cap fund is suitable for a long-term horizon, as it can yield significant returns over time.

5. Bluechip Fund
Bluechip funds invest in large, established companies, offering stability and moderate growth. Your Rs. 3,000 investment in this fund adds a stable, low-risk component to your portfolio.

Benefits of Actively Managed Funds
Actively managed funds involve professional fund managers making strategic decisions. These managers aim to outperform the market, offering potential for higher returns compared to passive index funds. This active management can significantly enhance your portfolio’s performance.

Disadvantages of Index Funds
Index funds track a specific market index and lack active management. They typically offer average market returns and limited flexibility. Actively managed funds can adapt to market conditions, aiming for superior returns through strategic stock selection.

Importance of Diversification
Your portfolio is well-diversified across different sectors and market capitalisations. This reduces risk and enhances potential returns. Diversification helps balance the volatility of small cap and sector-specific funds with the stability of large cap and flexi cap funds.

Regular Monitoring and Rebalancing
It is crucial to monitor your investments regularly. Rebalancing ensures that your portfolio remains aligned with your financial goals and risk tolerance. For instance, if any fund underperforms or exceeds your risk capacity, adjusting your allocations can help maintain a balanced portfolio.

Advantages of Step-Up SIPs
Step-up SIPs automatically increase your investment amount periodically. This strategy enhances your investment growth without much effort. It helps in capitalizing on market opportunities and achieving long-term goals faster.

Long-Term Growth Prospects
With a horizon of 8-10 years, your portfolio is well-positioned for growth. Equity investments, particularly in small cap and sector-specific funds, can deliver substantial returns over the long term. Patience and a long-term perspective are key to maximizing your investments.

Financial Discipline and Commitment
Your disciplined approach to investing, with regular SIPs and step-ups, is commendable. This commitment ensures that you stay on track towards your financial goals. Consistent investments, despite market fluctuations, will harness the power of compounding over time.

Strategic Suggestions
Maintain Diversification: Continue to diversify across different fund categories. This reduces risk and balances potential returns.

Regular Review: Conduct periodic reviews of your portfolio. Assess fund performance and market conditions to make informed decisions.

Consult a CFP: A Certified Financial Planner can provide tailored advice and help optimize your investment strategy. Their expertise ensures that your portfolio aligns with your long-term financial goals.

Reinvest Gains: Consider reinvesting dividends and capital gains to further enhance growth. This reinvestment strategy leverages the power of compounding.

Conclusion
Your current investment portfolio is robust and well-diversified. By maintaining your disciplined approach and regularly reviewing your investments, you are on a strong path towards achieving your financial goals. Continue to leverage the benefits of actively managed funds and step-up SIPs for long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |11390 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 03, 2025

Listen
Dear Guru, I am 32 years old. I am investing in the following mutual funds and need your help to review my portfolio. I also need your advise if this investment would help me retire in next 10 years. Below is my monthly SIPs in mutual funds 1) Motilal Oswal Nifty Microcap 250 index fund - 20k 2) Kotak Equity Opportunity fund - 15k 3) Parag Parikh Flexi Cap Fund - 20k 4) Canara Robeco Bluechip Equity Fund - 15k 5) UTI Nifty 50 Index Fund - 21k 6) Quant Small Cap - 23k 7) Quant Mid Cap - 23k 8) Quant Flexi Cap - 23k Can you help analyze my portfolio and suggest changes. I am planning to hold this portfolio for next 10-15 years Please suggest if the funds are good and give feedback on diversification and also suggest if the amount needs rebalancing. Thank you really appreciate your feedback and guidance.
Ans: You have built a strong investment portfolio. Your commitment to disciplined investing is truly appreciable. Your goal of retiring in 10 years is ambitious. Proper planning and rebalancing will help you reach it.

Your current portfolio is aggressive. It has a high allocation to mid-cap and small-cap funds. This can generate high returns but also comes with high risk.

Let us assess diversification, risk, and rebalancing needs.

Portfolio Structure and Risk Exposure
Monthly SIP Investment: Rs 1,60,000

Portfolio Breakdown:

Large Cap Funds – 2
Mid Cap Funds – 1
Small Cap Funds – 2
Flexi Cap Funds – 3
Risk Assessment:

More than 50% is in mid and small-cap funds.
These categories are highly volatile.
During a market downturn, losses can be significant.
Reducing risk as you get closer to retirement is important.
Fund Overlap:

You have three flexi-cap funds.

Two large-cap funds serve a similar purpose.

Too many funds from one AMC increase concentration risk.

Streamlining the portfolio will improve efficiency.

Areas That Need Improvement
Overexposure to Small and Mid-Cap Funds
Small and mid-cap funds have higher return potential.

However, they also come with higher risk and volatility.

At least 40% of your portfolio should be in large-cap funds.

This ensures stability and protection during market corrections.

Too Many Flexi-Cap Funds
Flexi-cap funds invest across large, mid, and small caps.

Having three flexi-cap funds causes duplication.

Retaining one or two funds is enough.

This will avoid unnecessary overlap.

Large-Cap Allocation Needs Adjustment
Large-cap funds provide stability.

They reduce downside risk in volatile markets.

Your allocation to large caps needs to increase.

This will bring balance to your portfolio.

No Debt or Hybrid Funds for Stability
Your portfolio is fully equity-based.

As you near retirement, stability is important.

Debt or hybrid funds can provide a safety net.

These funds protect your capital from market crashes.

Suggested Portfolio Adjustments
? Reduce Small & Mid-Cap Exposure

Retain only one small-cap fund.

Retain only one mid-cap fund.

Reduce SIPs in small-cap and mid-cap funds.

? Consolidate Large-Cap Investments

Keep only one large-cap fund.

Choose either an active or passive strategy.

Increase allocation to large-cap funds.

? Streamline Flexi-Cap Allocation

Keep only one or two flexi-cap funds.

Avoid excessive fund duplication.

? Introduce Debt or Hybrid Allocation

Start investing in a hybrid or debt fund.

Allocate at least 20% of SIPs to a stable category.

This will reduce overall portfolio risk.

Will This Portfolio Help You Retire in 10 Years?
Your current SIPs can build a substantial corpus.

If markets perform well, your target is achievable.

However, risk management is crucial.

A proper withdrawal strategy will be needed post-retirement.

Steps for Future Planning
? Review Portfolio Every 2-3 Years

? Increase Debt Allocation Closer to Retirement

? Avoid Overlapping Funds

? Maintain Liquidity for Emergency Needs

? Have a Withdrawal Plan for Post-Retirement

Final Insights
Your portfolio is on the right track. A few refinements will improve diversification. Stability will be important as you move closer to retirement.

By reducing risk and improving balance, you will be better prepared. Focus on long-term stability along with wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

..Read more

Ramalingam

Ramalingam Kalirajan  |11390 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2026

Money
Hi Sir, I have been investing in mutual funds through SIPs for the last 2 years in my mother’s and father’s accounts. Kindly review my portfolio and advise whether these funds are suitable for achieving around 12%–15% annual returns if I continue for the next 2–3 years. Below are my current SIP investments: Mother’s Account – Total SIP: ₹46,000/month HDFC Large & Mid Cap Fund – ₹10,000 HDFC Focused Fund Reg (G) – ₹5,000 HDFC Mid Cap Fund Reg (G) – ₹15,000 Bandhan Small Cap Fund – ₹5,000 ICICI Pru Value Fund (G) – ₹1,000 ICICI Pru Manufacturing Fund – ₹5,000 ICICI Pru Equity & Debt Fund – ₹5,000 Father’s Account – Total SIP: ₹35,000/month HDFC Large Cap Fund (G) – ₹5,000 HDFC Mid Cap Fund Reg (G) – ₹15,000 ICICI Pru Equity & Debt Fund – ₹15,000 Please suggest: Whether the portfolio allocation is good. If there is too much overlap in HDFC funds. Whether I should reduce/add any fund categories. If this portfolio is suitable for a next 2–3 year investment horizon. Because i am thinking to buy a flat after selling these Mutual funds. Thank you.
Ans: You have built a reasonably diversified portfolio and your SIP discipline is appreciable. But your investment horizon of only 2–3 years changes the entire risk assessment.

» Main Concern – Investment Horizon

Your portfolio is heavily equity-oriented
Equity mutual funds are more suitable for 5–7 years or longer

For a 2–3 year goal like buying a flat:

Expecting 12%–15% annual return is optimistic
Market volatility can affect your corpus at the wrong time

So your current portfolio carries higher risk for this goal.

» Portfolio Review – Overall
Positives:

Exposure across large, mid, small, value and hybrid categories
Hybrid fund adds some stability
SIP investing discipline is very good

Concerns:

Too much concentration in mid-cap oriented funds
Multiple HDFC funds may create overlap
Small-cap and sector/thematic exposure increases volatility

» Overlap in Funds
Yes, some overlap may exist among:

Large & Mid Cap
Focused Fund
Mid Cap Fund

Many quality stocks can repeat across these funds.
This may reduce diversification benefit.

» Manufacturing Fund – Be Careful

Sector/thematic funds are cyclical
They may perform well only during specific market phases

For a short-term goal like flat purchase:

High thematic exposure is risky

» Suggested Direction
For a 2–3 year horizon:

Gradually reduce exposure to:
Small cap funds
Sector/thematic funds
Excess mid-cap concentration
Increase allocation towards:
Hybrid funds
Short duration debt-oriented products
Balanced allocation

This helps protect your flat purchase corpus.

» Important Practical Point
If market correction happens near your withdrawal time:

Your flat purchase plan may get delayed
You may be forced to redeem at lower valuations

So capital protection now becomes more important than aggressive return expectation.

» Better Strategy Going Forward

Continue SIPs for now
But gradually shift part of accumulated corpus to safer assets as goal approaches
Do not wait till last minute to derisk

A phased transfer approach is safer.

» Finally

Portfolio is decent for long-term wealth creation
But slightly aggressive for a 2–3 year flat purchase goal
12%–15% return expectation over short period may not be realistic consistently
Reduce small-cap and thematic exposure gradually
Increase stability-oriented allocation as you move closer to property purchase

Your discipline is strong. Only the asset allocation should now match the timeline of your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

..Read more

Latest Questions
Radheshyam

Radheshyam Zanwar  |8599 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 14, 2026

Ravi

Ravi Mittal  |738 Answers  |Ask -

Dating, Relationships Expert - Answered on Aug 13, 2026

Relationship
Hi, I am 58 Yr old Male with 29 yrs into arranged marriage. I have 2 daughters. I am being treated like a stranger in my own house. My wife does not give respect, no value, no love and affection care. Always negatives talking about me for everything. Not listen to any thing regarding family or personal matters. I am not earning much. I am doing my best doing business services. For everything I need basic amount to manage my business until it develops. There is no support for this from my family. Instead of supporting and motivating me, She is always negative about me. She knows I am not earning enough and unable to meet major transactions. She has come from a wealthy family were as I am not. She has helped in providing financial support many times. Now past 3-4 yrs, her behavior has changed. She taunts and blames me for she providing the financial support. Whatever she has provided is always used for family. she knows that. I am unable to focus on my business development. She's gives negative feedback about me to my daughters and they also behave same with me, Instead of supporting and motivating me. There is no intimacy or sex past 1 year. Hardly 1 once in a month earlier, after I force (make positive effort) her lovingly. I love her very much. But this is making me lose that love & affection on her. In our 29 yrs of marriage, she never initiated intimacy, love. Always I been doing it. She never shows interest in getting physical right from 1st day. She has not kissed me even once or hugged me voluntarily in these 29 yrs. I initiate everything. I am romantic. She is not. She gives one or the other reason and avoids. She avoids kissing. She never liked gifts i bought for her. I want her to wear different dresses, but she rejects. Though we sleep on same bed, she just sleeps off. When i go to her, either she pushes or says she has to wake up early sleep now. Even with so many days gap, when I initiate intimacy after 1-3 months, but she taunts saying I only want that from her. I have been hugging, kissing and showing love, affection care on her right from the 1st day of marriage. The same thing is missing from her. I have tried many times talking to her in polite way, trying to woo her, but of no use. I have approached many times we can have one on one talk and sort out any issues she has with me, but she avoids coming into talking terms. I have tried to talk saying lets understand whats going wrong. If I start generally talking, she starts arguing, negative talking and avoids the main discussion that forces me to shut my mouth. when we go out on a 2-3 day trip, she enjoys outing seeing places, food & sleep. Doesn't behave romantically, lovingly. It's just like same as at home. Even I know I am not earning much and trying best to do well. She always keep telling about her money and financial support and her parental house with arrogance & attitude. She has been good with her parental side, but not my side. I believe both husband and wife should take care of family together irrespective of who is more financially strong. Just because I am not earning well, this type of treatment I don't understand. If it was recent few yrs I can understand. But right from day one I have been facing this. Now I've stopped talking much and in silence going through loneliness.
Ans: Dear Prashanth,
I understand that it has been quite difficult for you. After 29 yrs, feeling unwanted, unsupported and criticized can leave anyone extremely lonely. Your problem sounds a lot bigger than just lack of intimacy. There are long-standing communication issues, and both emotional and financial issues. This cannot be solved with romance alone. The better step is to stop pursuing intimacy for now, since your partner is uninterested, and instead focus on having a structured conversation, such as, "Are you willing to work on this marriage, to make it better?" If she refuses to discuss these things with you, I suggest seeing a marriage counsellor; it will be an impartial party looking into the matter, without supporting one over another.

Hope this helps.

...Read more

Nayagam P

Nayagam P P  |12510 Answers  |Ask -

Career Counsellor - Answered on Aug 12, 2026

Asked by Anonymous - Aug 12, 2026
Career
my daughter has secured admission in CSE-AI at IGDTUW .Going by the reputation of the institute she withdrew from BITSAT,JOSAA, LNMIIT and MHT-CET counselings. But now after attending the college for few days, she has been completely put off by the real bad infra and attitude of teachers there.Only viable option left now for her is COMEDK, where she can get CSE in MSRIT.We are delhi based and budget is not a issue. Please suggest further course of action.
Ans: Your daughter may consider switching to MSRIT CSE through COMEDK if her initial experience at IGDTUW has led her to reassess her choice. MSRIT offers good industry exposure and the advantage of Bengaluru’s strong technology ecosystem. However, it would be advisable to visit MSRIT and interact with current students before making the final decision.

Please also verify the current COMEDK counselling and reporting status, as deadlines and eligibility can vary by round. Before proceeding, confirm that her specific counselling status permits admission/reporting at MSRIT.

At the same time, it is important to remember that no institution is perfect; every college has its own strengths and areas for improvement. The decision should therefore consider academics, campus environment, faculty interaction, placements, peer group, location and overall student experience.

Finally, ensure that your daughter is comfortable and mentally prepared to relocate from Delhi to Bengaluru, and that you as parents are also equally comfortable with the transition. If MSRIT appears to offer a better overall fit after this evaluation, switching can be a reasonable option. If possible, it may be worthwhile to keep RVCE CSE as a preference until the final counselling round, provided your daughter has already included RVCE CSE among her choices. If the option remains available in the subsequent rounds, she can consider it based on the seat availability and her merit position. All The Best for Your Daughter's Prosperous Future!

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

...Read more

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

Close  

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

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

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x