Hope this mail finds you well!

I have SIPs in the following schemes

Fund (Growth)	Amount	Frequency
1. Quant Infrastructure Fund - Direct Plan	₹2,000	Weekly
2. Mirae Asset Emerging Bluechip Fund - Direct Plan	₹2,500	Monthly
3. SBI Banking & Financial Services Fund - Direct Plan	₹1,000	Weekly
4. Tata India Consumer Fund - Direct Plan	₹1,000	Weekly
5. Axis Bluechip Fund - Direct Plan	₹1,000	Weekly
6. Parag Parikh Flexi Cap Fund - Direct Plan	₹1,500	Weekly
7. Franklin India Feeder - Franklin U.S. Opportunities Fund - Direct Plan	₹1,500	Weekly

My goal is to create wealth by doing SIPs for a long time.

Kindly let me know if these schemes are good for the long run or are there are better alternatives to move or rejig in my MF portfolio.

Also, I am thinking for my wife to invest SIPs of 5k monthly each in SBI small-cap or mid-cap fund and quant ELSS fund.

Kindly suggest to me whether these schemes are good or should I select something else.

Ans: Hello;

Your query is very specific. I recommend you to consult an MFD or an investment advisor to get a bespoke solution to your query.

Best wishes;

Ans: Hello Ishaan.
First of all congratulation to you.
You did not mention which branch you are interested in to complete your B.Tech. However, assuming that you are either taking admission to CSE or parallel computer courses in B.Tech, here is the response to your eagerness: (1) It will enhance your data skills (like Python, ML, analytics). (2) This will broaden your career options, e.g., data analyst, AI roles, etc. (3) IIT Madras has a strong reputation that will help you build your career in this field. (4) However, time management is crucial to avoid burnout. Prioritize quality over quantity. That is, even though the course is online, you will need to spend significant time learning and practicing, which may be challenging when pursuing B.Tech in offline mode simultaneously. (5) But someone said, Dar Ke Aage Jeet Hai ..... in the same vein, if you are mentally prepared to accept the challenges, then go for it! Best of luck for your upcoming bright future.
Follow me if you like the reply. Thanks
Radheshyam

Ans: I think you will surely get.

Ans: Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

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

Ans: NO.

Ans: Health and psychological struggles can impact academics and motivation, leading to burnout or depression. It's important to prioritize mental health and seek professional support. IT is still an option, but not through traditional academic paths. To build a career in IT, pick one small, manageable skill and focus on skills, such as web development, Python basics, or SQL. Start with internships or freelance gigs, try for small projects, and create structure despite low motivation. Remember that you are more than a GPA, and don't judge your worth by exams. Start small with one free coding course and one project. All the best for your admissions!

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

Ans: Best Likely AI/ML Colleges:

NIT Rourkela, NIT Allahabad, NIT Calicut (CSE-AI)

IIIT Allahabad (IT-AI)

Ans: Hi,

I’m very sorry to hear that you missed out on six years due to a lack of proper guidance. Since you are NOT interested in medicine, it's important to choose a course that won’t negatively impact your future. If you excel in chemistry, you might consider pursuing that field and then entering the job market afterward. You can also pursue an MBA after completing any undergraduate course. If you're not confident in your chemistry skills, a Bachelor of Business Administration (BBA) could be a good alternative. Ultimately, the choice is yours.

It's worth noting that when companies hire fresh graduates, they often look at age. Most companies tend to favor candidates who are under 24 years old. Therefore, it’s essential to complete your course without any gaps. This will increase your opportunities significantly. Don’t worry; you can achieve your goals!

Best wishes.

POOCHO. LIFE CHANGE KARO.

Ans: the RTA - KFintech are the right people to get you the answer.
https://www.kfintech.com/contact-us/