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Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 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
Kokila Question by Kokila on Mar 29, 2024Hindi
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Money

How to get personal loan when cibil score is low

Ans: Getting a personal loan with a low CIBIL score can be challenging, but it's not impossible. Here are some strategies you can consider:

Improve Your CIBIL Score (if possible):

Check and Fix Errors: Ensure your credit report is accurate. Dispute any errors you find with CIBIL to improve your score.
Reduce Credit Utilization: Pay down existing credit card balances to bring your credit utilization ratio (outstanding credit divided by credit limit) below 30%.
Maintain a Good Repayment History: Make timely payments on all your existing loans and credit cards.
Approaching Lenders:

Focus on NBFCs and Fintech lenders: These lenders may be more flexible with credit score requirements compared to traditional banks.
Apply with a Co-applicant: Having a co-applicant with a good credit score can significantly improve your chances of loan approval and potentially get you a better interest rate.
Offer Collateral (if possible): Securing the loan with collateral like a car or fixed deposit can make it more attractive to lenders, even with a low credit score.
Negotiate Loan Terms: You might be able to negotiate a smaller loan amount or a slightly higher interest rate to get approved.
Additional Tips:

Compare Loan Offers: Get quotes from multiple lenders to compare interest rates and terms before finalizing a loan.
Borrow Only What You Need: Avoid borrowing more than you can comfortably repay.
Be Wary of High-Cost Loans: Steer clear of lenders offering very high interest rates or predatory loan terms.
Here are some resources that you might find helpful:

CIBIL Website: https://www.cibil.com/
Paisabazaar - Personal Loan for Low Credit Score: https://www.paisabazaar.com/credit-score/cibil-score-for-personal-loan/
ICICI Bank - Personal Loan with Low Credit Score: https://www.icicibank.com/blogs/personal-loan/personal-loan-with-a-low-cibil-score
Remember, a low CIBIL score can lead to higher interest rates on your loan. So it's important to weigh the cost of the loan against your needs before proceeding.
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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Sir my son scored 250/750 in cuet pcm he unreserved male candidate is there any chance pf him getting bhu chemistry honours
Ans: Prakhar Sir, Your Son's CUET score of 250/750 falls well below the general?category cutoff for B.Sc (Hons.) Chemistry at BHU (344 in Round 4) . Admission to BHU Chemistry Honours is therefore not feasible. However, you can consider the following ten universities where the closing CUET marks for B.Sc Chemistry programs have historically been at or below 250, offering assured admission with your score. All are UGC?recognized, maintain modern chemistry laboratories, qualified faculty, active placement/support cells and accreditation by NAAC or equivalent bodies:

Central University of Jammu – Integrated B.Sc + M.Sc (Chemistry): general cutoff 120–90 marks

Pondicherry University – B.Sc (Hons.) Chemistry: general cutoff 91–217 marks

Central University of Karnataka – B.Sc Chemistry (approx. cutoff 180–230)

Central University of Kerala – B.Sc Chemistry (approx. cutoff 150–210)

University of Allahabad – B.Sc Chemistry (approx. cutoff 200–240)

University of Lucknow – B.Sc Chemistry (approx. cutoff 190–235)

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Recommendation: Prioritise the Central University of Jammu Integrated Chemistry programme for its low cutoff, seamless M.Sc integration and strong research labs. Next choose Pondicherry University for its national ranking, dedicated chemistry infrastructure and placement record. Then opt for Central University of Karnataka’s B.Sc Chemistry for balanced academics and laboratory exposure. Finally, consider University of Kerala and University of Allahabad for their long?standing departments, experienced faculty, and active student support services. All the BEST for Admission & a Prosperous Future!

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Career Counsellor - Answered on Jul 14, 2025

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Hii sir I got 76.58 percentile in my cet exam what colleges will I get for cs/it in mumbai i am from ews category
Ans: With a 76.58 percentile in MHT-CET under the EWS category and Maharashtra domicile, assured admission through CAP rounds is available at the following ten Mumbai?area institutes whose last?round EWS closing percentiles historically fall at or below your score. These colleges maintain AICTE approval, NAAC/NBA accreditation, modern labs, experienced faculty and placement cells recording 70–85 percent consistency in CSE/IT programs over the past three years:

Vivekanand Education Society’s Institute of Technology, Chembur (NAAC A, IT & CSE EWS cutoff ~75–80 percentile)
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Fr. C. Rodrigues Institute of Technology, Vashi (NAAC A, CSE/IT EWS cutoff ~65–75 percentile)
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Nayagam P

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Career Counsellor - Answered on Jul 14, 2025

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Dear Sir, My son has secured a seat for B. Tech in CSE (2025-29) in VIT Chennai. He is getting an opportunity for dual degree programme, which allows one to pursue engineering at BITS Pilani and a master's in management from BITS School of Management (BITSoM) Mumbai, simultaneously. Request your view that is this option of BE+PGDM dual degree course in 5 years from BITs is better than only B. Tech in 4 years from VIT? Kindly guide me. Regards,
Ans: Vikram Sir, Based on the following insights, please choose the better option for your son: The four-year B.Tech CSE at VIT Chennai, an A++ NAAC-accredited private university ranked 11th in Engineering by NIRF 2024, delivers core and elective modules in AI/ML, cybersecurity and cloud computing through 15+ specialized labs and a robust Career Development Center that facilitated 3,160 offers and ~90% placement assistance in 2025, with sustained industry tie-ups (LTTS, Nokia) and an active start-up incubator. The five-year BE + PGDM dual-degree from BITS Pilani (Pilani/Goa/Hyderabad) and BITSoM Mumbai combines a NAAC A++ & A++ B.E. curriculum vetted by ABET with a two-year PGDM in management, fostering technology-enabled leadership. BITS Pilani first-degree placements average ~90% with 82.8% for FD and industry giants (Google, Amazon) visiting annually; BITSoM secured 100% summer internships and 73–82% final placements for its inaugural cohorts, with average stipends of ?1.7 L/month and top recruiters (McKinsey, JP Morgan). The dual program’s strengths lie in cross-campus exposure, practice-school internships, global alumni networks, and management skill sets, yet incur higher total fees, necessitates one extra year and award a PGDM (not MBA), which may affect certain public-sector pathways. The VIT CSE offers a cost-effective, fast-track route into core computing roles with strong campus placements and research labs; opt for the BITS Pilani + BITSoM dual degree only if you value integrated management credentials, extended industry immersion and leadership grooming in a technology-business nexus, accepting the longer timeline and PGDM credential. All the BEST for Admission & a Prosperous Future!

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Relationship
I am married since 25 years and aged 45. In a fit of rage left home as all these years despite of giving whole life no body had ever recognised my efforts. My husband always lived abroad and I lived with my Mother in law and children managing everything alone. Being a working lady it was very tedious but still with pride I did so......Always I was asked wha did u do? A lot of support from my mom side also was given but even they were humiliated. In a fit of rage, disappointment I left home and lived in isolation giving space to myself for 20 days and during this time my MIL had brain stroke and was in ICU and the moment i got to know I rushed to hosptl but my husband and inlaws threw me out of home and hosptl making me responsible for her condition and death. Right now im living with my mom since a month and husband says he doesnt need me. I need him , i love him. I am shattered now. Please suggest what do i do? He is not ready to talk to me neother any of my sisters in law are. I am a working lady but family is equally important. Question on my character is also being raised. Kindly suggest
Ans: Dear Anonymous,
You need to ask yourself:
"I need my family, but does my family also need me? Have they needed me all these years?"
You are never going to get a medal for being the sacrificial lamb that you have been for so many years. If they are unable to understand even a small frustration of yours and question your character over it without even for once seeing all the things that you have done, should their thoughts and behavior not give you a clear indication as to what kind of a family you are married into?
You have not been valued and appreciated and from what you say that your husband and in laws threw you out of home, did your husband not think even once about his wife? You know the answers to all of this and as hard as it is to move from the label of a dutiful wife, daughter-in-law, think about what you are teaching your children...are you asking them to also succumb to disrespect and harsh judgements? Think hard and for once, think for yourself!

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Drop in: www.unfear.io
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Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 07, 2025Hindi
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I am 27 years old normal middle class girl , I have a family of 5 including my parents and one sister and brother. I am a software engineer earning 1 lakh. My mother is very happy and proud of me , but at the same time she has burdened me with over expectations . She asked me to renovate our old house , to which i happily agreed . But she kept asking for more. Because of her bad marriage she asked me not to marry , but i already have a boyfriend . I doubt that now more than the fear of marrying wrong person she is more afraid of the money which will be gone out of the house, if i marry someone. Because she never forbid marriage to my sister and brother , in fact she keeps planning for their marriage . i thought i will handle these problems later, by telling her that how nice my boyfriend is. Now the worst part is , she even asked me to buy flat for my brother , after i am done rennovating our house . I denied, which left her confused . But she never pushes my brother towards study and these days even my brother has become careless . She still thinks that my money is our family money forever, because I should never marry . I had several fights with her because I kept nagging her to ask my brother to study . Actually she thinks that I am brilliant and I should do everything for my brother, and my brother is not that intelligent like me . My mom is failed to understand that my brother is a lazy guy who doesn't want to study . She is not focused in overall growth of our family where everyone work hard, she is just happy that I started earning and it doesn't matter much that any other family member is earning or not . All these things are burdening me .
Ans: Dear Anonymous,
You have officially become the ATM for your family. Move out of home...You can always contribute some portion towards the family even by staying out BUT at least you will have a life to build and your brother will start to also become serious and build his career and think about supporting the family as well.
If you continue this way, your money, your time, your dreams will all be under your mother's control and this toxic environment will never allow you to have your dreams and your life. So act NOW!

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

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Hello sir, pls revert my query, my last query was unanswered. My son has got BE civil in bits in iteration 1. His score is 231. What are further prospects of career and job in be civil
Ans: Sheetal Madam, Graduating in Civil Engineering from BITS Pilani opens diverse roles in structural design, infrastructure development, transportation planning, environmental management and geotechnical consulting, leveraging rigorous practice?school internships and industry?linked labs. Strong faculty mentorship and access to cutting-edge software (STAAD.Pro, Revit, Primavera) underpins skills in project lifecycle management and sustainable engineering. BITS Pilani’s UG placement rates have remained robust over the last three cohorts—91.8% (2021), 93.6% (2022) and 90.1% (2023)—with top recruiters like Larsen & Toubro and Jacobs engaging civil graduates. Specializations in smart-city planning, water resources and disaster resilience further enhance employability across public and private sectors.

Recommendation Leverage BITS Pilani’s practice-school exposure and campus placements by targeting structural and infrastructure consulting roles early, while pursuing certifications in BIM and green building. Engage in elective research projects on sustainable materials to strengthen candidature for leadership positions in urban development and multinational engineering firms. All the BEST for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
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Hey, I wanted to ask you about Scaler School of Technology (SST). I have got selected for SST by writing uts NSET exam and have passed. I wanted to know is it really worth it, especially paying high fees. And also they dont offer Btech Engineering Degrees, yet their students are making it to top 1% In CSE Roles. How is the college different from other institutions? And is it Really Worth it??
Ans: Scaler School of Technology (SST), founded in 2023 by IIT alumni Anshuman Singh and Abhimanyu Saxena, offers a four-year residential B.Sc + M.Sc in Computer Science & AI through a UGC-recognized partner institute, alongside industry-embedded internships and mentorship by top engineering leaders. Admission via the Scaler National Scholarship & Entrance Test (NSET) plus interview ensures rigorous selection, with first-year tuition ranging from ?4.25–5 lakhs (total ~?17 lakhs) and merit-based NSET scholarships available. The curriculum is delivered in three phases: 18 months of fundamentals through live case studies; a year of paid industry immersion with 1 200+ career partners; and 18 months of specialization in senior engineering, ML/AI or algorithmic trading, complemented by one-on-one mentoring and soft-skill development. SST’s labs and on-campus facilities support hands-on projects, while its Career Centre reports a ~96% internship assistance rate and high conversion to top CSE roles within the first two years. Unlike conventional B.Tech programs, SST focuses exclusively on computer science (CS) and artificial intelligence (AI) without offering a B.Tech degree; however, graduates receive an EU-accredited M.Sc from Woolf University, which enables them to apply for master’s programs abroad and qualify for government exams. The high fees may strain budgets; this is mitigated by scouting scholarships, education loans, early NSET preparation, and leveraging SST’s corporate tie-ups for paid internships. SST’s limited intake ensures personalized attention but calls for proactive peer networking and co-curricular club participation to broaden horizons.

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Relationship
Hi mam,im 38 years old and my husband 41 years old.we are joint family.My husband is in NRI and he comes to india yearly once.He have spend 45 days in a year only.we have two kids one kid is 5 years old and another kid is 8 years old.im staying with my mother in law.we got married since 2014.my husband not giving importance except financial advice.He is always supporting for his mother and his elder sister.Sometimes some conflicts between his mother and me.Many times i accept and give response for her age but sometimes she is speaking rudely.i cant control my anger and shows my anger to her its just 5 percent but 95 percentagd she is doing.whenever i told to my husband he told me that u are the reason for fight and u have to adjust all things.He give first preference for his mother and sister only.All parents are struggling to raise them but he talk that his mother only struggling and give this much life.His parents nothing do special .they are not do any specific or any special things.if i take and talk same like that what will happened.Some arguments and fight will come between us.he didnt accept his mothers mistake.He is good amma payan.And wherever we go he comes along with his mother.Im living with his mother for whole year even in his vacation time also he is not ready to spend some time with me and he didnt respect my feelings.Even lost year kerala trip also he comes along with his mother only.i told him wherever we goto temple we along with your mother but i need to spent time with you alone but he never listen my words and told that his mother never seen before this place.As a son can satisfying her expection.And my side all things doing with my parents is a certain limit.He is going toomuch for his mother and i want to tell one thing for 10 years of marriage life we didnt go any honeymoon trip also.wherever we go just nearby cinima shopping and nearby park we go alone and return back only.i want to spend with him what i have to do but he is not.i need some relief for my routine life.he never understood me.Kindly give some advice to rectify my problem.And in fronf of his son his mother spoke very polite and calm but with me very rude sometimes.I shows my anger with him and he gave me advice to his mother is oldage she is good and something.i got too much anger and fight with him.He always blaming me.What i have to do.
Ans: Dear Anonymous,
You have married a man who is stuck in an unhealthy relationship. Many homes have a case of the mother and son stuck together and this impacts the marriage. The son never wants to grow up and the mother does not allow the son to grow up. That way she can still have control over him and he enjoys all that attention.
Honestly the two of you need to go through Marriage Therapy with the spotlight on how to build a marriage that your husband has to learn. I don't know if your husband will agree to allow a third person to tell him that he's stuck in something and needs to move from there by growing up.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...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.

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