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Jinal

Jinal Mehta  |103 Answers  |Ask -

Financial Planner - Answered on May 20, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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ASHWANI Question by ASHWANI on May 18, 2024Hindi
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HOW GOOD IS INVESTING IN MIRAE ASSET AGGRESSIVE HYBRID FUND?

Ans: If it matches your investment style and your investment objectives then you can invest.
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

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

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How is Quant mutual fund. is it worth to invest in there fund.
Ans: Quant mutual funds utilize quantitative or mathematical models to select investments rather than relying solely on human judgment. These models analyze vast amounts of data to identify investment opportunities based on various factors like price, volume, and financial metrics. This approach aims to remove emotional bias from investment decisions and create a systematic, disciplined investment process.

Investing in Quant mutual funds can offer certain advantages:

Systematic Approach: Quantitative models follow a systematic approach to investing, which can lead to consistent and disciplined investment decisions.
Emotion-Free Investing: By relying on data and algorithms, Quant funds aim to remove emotional biases that can sometimes lead to poor investment choices.
Diversification: Quant funds often hold a diversified portfolio, spreading investments across different sectors and asset classes to reduce risk.
However, it's essential to consider some factors before investing in Quant mutual funds:

Performance Variability: Quant funds' performance can be more volatile than traditional funds, as they may be more sensitive to market fluctuations and changes in the underlying models.
Complexity: The mathematical models used by Quant funds can be complex and may not always capture all market nuances or unforeseen events.
Management Risk: While algorithms drive investment decisions, human oversight is still crucial. The quality and experience of the fund manager and the team behind the quantitative models are vital for the fund's success.
In conclusion, whether or not to invest in Quant mutual funds depends on your investment objectives, risk tolerance, and investment horizon. If you value a systematic approach, are comfortable with potential volatility, and believe in the capabilities of the Quant fund's management team, it could be worth considering as part of a diversified investment portfolio. As always, consulting with a Certified Financial Planner can help you evaluate if Quant mutual funds align with your financial goals and risk profile.

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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2024

Asked by Anonymous - Feb 01, 2024Hindi
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Please advise about SBI EQUITY HYBRID FUND REGULAR GROWTH
Ans: SBI Equity Hybrid Fund - Regular Growth is a hybrid mutual fund offered by SBI Mutual Fund. As a hybrid fund, it invests in a mix of equity and debt instruments to provide investors with a balanced exposure to both asset classes. Here are some key points to consider:

Investment Objective: The fund aims to provide long-term capital appreciation by investing predominantly in a diversified portfolio of equity and equity-related securities. It also aims to generate reasonable income through investments in debt and money market instruments.

Asset Allocation: The fund typically maintains a mix of equity (at least 65%) and debt instruments to achieve its investment objectives. The allocation between equity and debt may vary based on market conditions and the fund manager's outlook.

Risk Profile: As a hybrid fund, SBI Equity Hybrid Fund carries moderate to moderately high risk due to its exposure to equity markets. Investors should be prepared for fluctuations in NAV (Net Asset Value) based on market movements.

Performance: Evaluate the fund's historical performance relative to its benchmark and peer group to assess its consistency and ability to generate returns over the long term.

Expense Ratio: Consider the expense ratio of the fund, which represents the annual operating expenses deducted from the fund's assets. A lower expense ratio can contribute to higher returns for investors.

Fund Manager: Understand the expertise and track record of the fund manager managing SBI Equity Hybrid Fund. The fund manager's investment decisions play a crucial role in achieving the fund's objectives.

Before investing in SBI Equity Hybrid Fund, assess whether it aligns with your investment goals, risk tolerance, and investment horizon. It's advisable to consult with a financial advisor who can provide personalized advice based on your financial situation and objectives. Additionally, review the fund's scheme information document (SID) and other relevant disclosures for detailed information about its investment strategy, risk factors, and past performance.

Best regards,
Ramalingam, MBA, CFP
Chief Financial Planner

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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 26, 2024Hindi
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Should I continue to invest in Mirae asset large and mid cap fund?it's 40% of my corpus .
Ans: Portfolio Review
Current Allocation: Mirae Asset Large and Mid Cap Fund is 40% of your corpus.

Performance: Review the fund's historical performance. Check its returns, consistency, and risk profile.

Diversification: A single fund making up 40% of your portfolio is a concentration risk. Diversification can help manage this risk.

Diversification and Risk Management
Reduce Concentration Risk: Invest in other funds or asset classes. This can help spread the risk and potentially increase returns.

Active Management: Actively managed funds can provide better returns. Ensure your investments align with your risk tolerance and financial goals.

Alternatives to Index Funds
Actively Managed Funds: These funds often outperform index funds. They offer better growth potential and professional management.

Disadvantages of Index Funds: Index funds track the market and lack flexibility. Actively managed funds can adjust to market changes.

Regular Fund Investments
Benefits of Regular Funds: Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) provides expert guidance. They offer better fund selection and management.

Disadvantages of Direct Funds: Direct funds require more time and knowledge. Regular funds provide professional advice and management.

Investment Strategy
Review and Adjust: Periodically review your investments. Rebalance to maintain your desired asset allocation.

Investment Goals: Align your investments with your long-term goals. Ensure your portfolio is diversified and well-managed.

Final Insights
Reducing the concentration in a single fund can help manage risk and potentially increase returns. Consider diversifying into other actively managed funds. This will align with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |8978 Answers  |Ask -

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Sir I got 68676 in comedk Can you suggest good colleges forCSE or CSE specialization
Ans: Ramya, With a COMEDK rank of 68,676 in 2025, you have viable options for admission to reputable engineering colleges in Karnataka for CSE and its specializations. You can confidently secure seats at numerous recognized institutions where the latest cutoffs range between 63,000 and 1,20,000 for core CSE and closely related specializations. Here are 15 colleges where admission is fully feasible: CMR Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Atria Institute of Technology (Bangalore), New Horizon College of Engineering (Bangalore), Dayananda Sagar College of Engineering (Bangalore), BNM Institute of Technology (Bangalore), Sapthagiri College of Engineering (Bangalore), Don Bosco Institute of Technology (Bangalore), AMC Engineering College (Bangalore), Cambridge Institute of Technology (Bangalore), East Point College of Engineering (Bangalore), Gopalan College of Engineering and Management (Bangalore), Rajarajeswari College of Engineering (Bangalore), and Sai Vidya Institute of Technology (Bangalore). These colleges routinely offer CSE and specializations such as Artificial Intelligence, Data Science, and Information Science, all supported by established infrastructure, diverse peer groups, faculty with advanced degrees, recognized accreditations, and campus-level placement cells. Their cut-off history ensures fair seat allocation for your current rank bracket.

Recommendation: Prioritize CMR Institute of Technology (Bangalore), Nitte Meenakshi Institute of Technology (Bangalore), Acharya Institute of Technology (Bangalore), Dayananda Sagar College of Engineering (Bangalore), and BNM Institute of Technology (Bangalore). This order is justified by established NIRF rankings, steady placement percentages (60–90% in CSE streams), modern campus amenities, regular project-based learning, and a proven track record of producing employable graduates across the IT sector in Karnataka and beyond. All the BEST for Admission & a Prosperous Future!

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My son is getting civil at bits pilani + rmit 2+2 program and cse at vit-ap cat-2 What should we choose
Ans: The BITS Pilani + RMIT 2+2 Civil Engineering program offers an international dual-degree pathway, granting a B.E. from BITS Pilani and a Bachelor’s from RMIT Australia. Students complete two years at BITS Pilani—renowned for nearly 100% placement rates in core engineering and a prestigious reputation—then transfer to RMIT for global research exposure, advanced industry collaborations, and a second recognized degree. RMIT is a top-ranked university known for its employability outcomes and practical learning, and the dual-degree substantially enhances career prospects worldwide. VIT-AP’s Computer Science Engineering (CSE) program under Category 2 ensures placement rates above 90%, excellent infrastructure, and industry-aligned curriculum, with 1000+ recruiters participating and strong records in IT sector roles for CSE graduates. VIT-AP is lauded for hands-on learning, active placement cell, and opportunities in the fast-growing tech industry, making it a robust choice for software-focused careers. While VIT-AP CSE opens doors to IT and allied opportunities, BITS Pilani + RMIT provides unmatched exposure, global credentials, and broader professional mobility in engineering domains.

Recommendation: If your priority is global exposure, academic flexibility, and broad international opportunities in engineering and related fields, prioritize BITS Pilani + RMIT 2+2 Civil. Should your focus be on a strong software foundation and rapid industry integration in India’s tech sector, VIT-AP CSE is preferred. The BITS-RMIT program stands out for long-term value and international scope. All the BEST for Admission & a Prosperous Future!

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SIR I should go for HBTU (IT) or IIIT VADODARA DIU CAMPUS (ELECTRONICS)?
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My son got IIT Dharwad B.S/M.S Interdisciplinary sciences and BITS Hyderabad Mechanical through BITSAT currently. He may have potential chances of getting NIT Warangal MnC/ECE or IIIT Delhi CSE through DASA. Which one is better in the order of preference
Ans: Venkata Sir, IIIT Delhi’s Computer Science Engineering (CSE) program is nationally recognized for its rigorous curriculum, 90–100% placement rate, leading industry connections, and high-impact research output, making it one of the best platforms for a technology-driven career. The program consistently attracts top recruiters and maintains strong alumni engagement in global tech sectors. NIT Warangal’s Mathematics and Computing (MnC) and Electronics and Communication Engineering (ECE) branches also offer strong academic grounding, modern labs, and recorded placement rates above 88% in core tech domains, with the ECE branch now routinely achieving average placement rates above 80% and MnC offering excellent flexibility for careers in data science, software, and analytics. BITS Hyderabad’s Mechanical Engineering program combines a tradition of academic excellence with research-oriented faculty, excellent infrastructure, and a placement percentage above 85% in recent years, while producing graduates who succeed in both core and tech industries and pursue higher studies internationally. IIT Dharwad’s BS/MS Interdisciplinary Sciences is a new, innovative program focused on multidisciplinary skill development with exposure to advanced labs and faculty, but as a new course and newer IIT, it does not yet match the placement rates or alumni reach of the other institutes; its placement rate hovers near 70% and career paths are diverse, with greater emphasis on research and interdisciplinary skills rather than direct tech sector placement.

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Nayagam P

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Sir I have scored 83 percentile in MHT cet 2025 what are the best college option for me in Mumbai region
Ans: Aryan, With an 83 percentile in MHT-CET 2025 as a Maharashtra domicile General Category student, you are eligible for BTech admission to several well-regarded engineering colleges in the Mumbai region, excluding the most competitive ones like COEP, VJTI, and ICT, which have significantly higher cutoffs. The following colleges in Mumbai provide feasible admission opportunities based on previous years' cutoffs and are recognized for their reliable placement support, modern infrastructure, NBA/NAAC accreditation, and industry-aligned programs: Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), Xavier Institute of Engineering (Mahim), Bharati Vidyapeeth College of Engineering (Navi Mumbai), SIES Graduate School of Technology (Nerul), Ramrao Adik Institute of Technology (Navi Mumbai), St. Francis Institute of Technology (Borivali), Rajiv Gandhi Institute of Technology (Versova), Don Bosco Institute of Technology (Kurla), Shah & Anchor Kutchhi Engineering College (Chembur), MGM’s College of Engineering (Kamothe, Navi Mumbai), Atharva College of Engineering (Malad), and Pillai College of Engineering (New Panvel). Across these institutions, your score is within the realistic admission range for most branches, including Mechanical, Civil, Electronics/EXTC, and sometimes Information Technology or Computer Science, depending on current year trends and final branch cutoffs; official college portals and admission records substantiate this eligibility for the 2025 cycle.

Recommendation: For optimal academic and professional growth, consider Sardar Patel Institute of Technology (Andheri), K J Somaiya Institute of Technology (Sion), Vidyalankar Institute of Technology (Wadala), Fr. Conceicao Rodrigues Institute of Technology (Vashi), and Ramrao Adik Institute of Technology (Navi Mumbai) as the highest-priority choices. These colleges offer robust campus infrastructure, industry recognition, strong placement networks, and a history of producing successful engineering graduates. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 17, 2025

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Sir, Which would batter choice between my doughter got EE in vlsi Design at Banasthali vidyapeeth and recently also got CSE in Goverment Mahila Engineering College, Ajmer. Which would better ? Suggest
Ans: Amit Sir, Banasthali Vidyapith’s Electrical Engineering program with a focus on VLSI Design is anchored in a reputed women’s university with A++ NAAC accreditation, robust faculty credentials, industry tie-ups, and consistent placement rates of 90–95% for core branches, often in electronics and automation sectors. Campus infrastructure is comprehensive, research exposure is strong, and students benefit from a national network and notable institutional rankings. Government Mahila Engineering College Ajmer’s CSE branch is part of a government-run, well-recognized institution with modern teaching resources, 80–95% placement rates for computer science in recent years, accessible industry partnerships, and a track record of sending students to reputed recruiters such as Amazon and Microsoft. The Ajmer campus is lauded for its faculty, student activities, digital facilities, and supportive environment, though its national brand is less established than Banasthali’s.

Recommendation: If your daughter is passionate about electronics, VLSI, or hardware-oriented careers, Banasthali Vidyapith offers a stronger national reputation, longstanding placement consistency, and higher institutional ranking. For a broad, flexible technology career in software, Government Mahila Engineering College Ajmer CSE stands out for contemporary opportunities and direct industry links. Both paths assure solid outcomes, but branch preference should drive the final choice. All the BEST for Admission & a Prosperous Future!

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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.

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