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Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

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
Amit Question by Amit on Jul 03, 2025Hindi
Money

How to diversify rs. 25000 in different money instruments

Ans: ? Understand the Purpose First
– Start by knowing your financial goal.
– Are you saving for short-term or long-term?
– Different goals need different instruments.
– Your age, risk level and income also matter.
– Rs. 25000 may look small, but proper plan can grow it well.

? Asset Allocation Is the Core
– Don’t put entire money in one product.
– A balanced spread reduces risks.
– It also gives stable growth over time.
– Use 3 to 4 instruments to split the Rs. 25000.
– Each portion should serve a clear purpose.

? Emergency Fund Comes First
– Keep some part for sudden needs.
– Around Rs. 5000 is ideal here.
– Keep it in a liquid mutual fund.
– Easy to withdraw, safer than savings account.
– Helps in medical or other sudden needs.

? Actively Managed Mutual Funds for Growth
– Invest around Rs. 10000 in a good mutual fund.
– Go for regular plan through Certified Financial Planner.
– Avoid direct funds. You don’t get full support there.
– Also, MF distributors give service and track your progress.
– Regular plans cost a bit more but offer ongoing help.

? Why Not Direct Funds?
– Direct funds skip professional guidance.
– Mistakes in fund choice can affect results.
– No one reminds you to review or rebalance.
– Regular plans come with full support and guidance.
– Certified Financial Planners track markets and guide you better.

? Don’t Go with Index Funds or ETFs
– Index funds just copy the market.
– No one manages actively during market falls.
– They perform average in volatile times.
– Actively managed funds try to beat the market.
– Skilled fund managers adjust strategy as needed.
– This gives better growth over time.

? SIPs Can Be Useful
– Use SIP if your income is monthly.
– It brings discipline and regular investment habit.
– Even Rs. 1000 SIP can build wealth over years.
– You can start small and grow step by step.
– Ideal for long-term wealth creation.

? Short-Term Needs Require Safety
– Around Rs. 4000 can be kept for short-term goals.
– Choose ultra-short duration or low duration funds.
– These give better returns than FDs in short period.
– Safer option for 1 to 3 years needs.
– Helps you avoid loan for small needs.

? Don’t Mix Insurance with Investment
– Avoid ULIPs or LIC investment policies.
– They offer low return and poor flexibility.
– If you already hold these, consider surrendering them.
– Reinvest in better performing mutual funds.
– Keep insurance and investment fully separate.

? Health Insurance Should Not Be Ignored
– Medical cost is rising every year.
– Without insurance, one illness can break your savings.
– Spend a small part for health insurance premium.
– It’s not an investment but a shield for wealth.
– Essential even if you are young and healthy.

? Gold for Long-Term Hedge
– You can keep Rs. 2000 in digital gold.
– Use mutual fund route for gold investments.
– Avoid physical gold due to safety and cost issues.
– Helps in hedging during inflation or global crisis.

? Avoid Fancy or Trendy Products
– Don’t fall for NFOs, crypto, or peer lending.
– They carry high risks for small investors.
– You need safety and reasonable returns.
– Stick to time-tested, regulated instruments only.

? Review Every 6 Months
– Markets keep changing all the time.
– Your goal may also change with life stage.
– A Certified Financial Planner will do reviews for you.
– Rebalancing is needed for better performance.
– Don’t forget to monitor progress.

? Tax Planning Is Needed Too
– Some mutual funds give tax benefits under Section 80C.
– But don’t choose them only for saving tax.
– Make sure the product suits your need also.
– Debt funds are taxed as per your tax slab.
– Equity funds have new tax rules now.

? Know the New Mutual Fund Tax Rule
– Equity fund LTCG above Rs. 1.25 lakh taxed at 12.5%.
– STCG in equity is taxed at 20%.
– Debt funds taxed as per your income slab.
– Choose holding period wisely for better post-tax returns.
– Plan redemptions with a Certified Financial Planner’s help.

? Small Start, Big Results
– Rs. 25000 may look small today.
– But with right mix, it can grow fast.
– Stay consistent and don’t withdraw often.
– Compounding rewards patience.
– Aim for long-term wealth creation, not just quick profit.

? Track Your Financial Behaviour
– Avoid impulsive withdrawals or switching funds often.
– Stick to your plan during market downs.
– Trust your Certified Financial Planner’s advice.
– Emotional investing leads to poor results.
– Discipline is more important than product.

? Financial Literacy Is Ongoing
– Learn basic money principles slowly.
– You don’t need complex ideas to succeed.
– Keep your strategy simple and focused.
– Ask questions to your Certified Financial Planner often.
– Clarity leads to confidence in decisions.

? What a Certified Financial Planner Adds
– They guide you from goal setting to execution.
– They track progress and suggest course correction.
– You get one point contact for all finance matters.
– Mutual Fund Distributors with CFP give clear value.
– Fees are low compared to costly mistakes.

? If You Hold LIC or ULIP Plans
– These give very poor returns.
– High charges and low flexibility hurt growth.
– Surrender if they are investment-linked.
– Reinvest in mutual funds through regular plans.
– Insurance should protect, not invest.

? Protect Your Loved Ones Too
– If you have dependents, buy term insurance.
– It gives high cover at low cost.
– Don’t mix investment with insurance.
– One death can shake family finances.
– A Rs. 500 premium gives Rs. 50 lakh cover.

? Risk Should Match Your Stage
– Younger people can take more equity exposure.
– For middle age, reduce risk slowly.
– Seniors should focus on safety and regular income.
– Your risk level must change with age.
– A Certified Financial Planner can plan this shift well.

? Don’t Chase High Return Products
– High returns usually come with high risks.
– Focus on consistent, long-term performers.
– Avoid tips from friends or social media.
– A tested plan works better than flashy ideas.
– Financial planning needs patience and clear thinking.

? Discipline Is Better Than Timing
– Timing market is very hard.
– Even experts don’t get it always right.
– Instead, invest regularly with discipline.
– SIP helps avoid wrong timing risks.
– Stay invested for longer periods.

? Risk Diversification Brings Stability
– Mix of debt, equity, gold and liquid is key.
– One bad year in equity won’t spoil all.
– Diversification protects downside risk.
– Helps in smoother wealth journey.

? Mental Peace Is Also a Goal
– Financial stress affects health and relations.
– Planned investment brings mental peace.
– Small steps towards financial goal matter.
– Your money should serve your life goals.
– Not the other way around.

? Finally
– Rs. 25000 can be a good start if used well.
– Plan based on your needs and time frame.
– Split money for emergency, growth, and short-term.
– Use mutual funds through regular plans.
– Avoid index funds, direct plans, ULIPs or real estate.
– Review regularly with a Certified Financial Planner.
– Don’t focus only on return, but full financial safety.
– Stick to plan, invest regularly, and be patient.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 01, 2024

Asked by Anonymous - Oct 29, 2024Hindi
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Dear Experts, I am a 56-year-old NRI, soon to retire due to company policies. Throughout my working years, I focused primarily on investing my savings in bank fixed deposits. Now, as I prepare for retirement, I aim to diversify my portfolio to generate a steady income stream that will meet the needs of my family and myself. Kindly advise, Thanks,
Ans: As you approach retirement, a diversified portfolio becomes essential. Fixed deposits have been reliable, but they may not fully meet your post-retirement goals. A balanced approach to investment will ensure stability, growth, and a steady income.

Benefits of Diversifying Beyond Fixed Deposits
Fixed deposits offer safety but limited growth. The fixed returns may fall short of future needs due to inflation. Adding diversified investments to your portfolio can help you achieve growth while still maintaining stability. With a proper mix, you’ll enjoy income without solely relying on fixed deposits.

Building an Income-Generating Portfolio
To secure a regular income stream in retirement, consider a multi-asset approach. This can provide both income and capital appreciation over time.

Here are recommended steps to create an income-generating portfolio:

Systematic Withdrawal Plans (SWP) in Mutual Funds: SWPs allow you to withdraw a fixed amount monthly from your mutual fund investments. This can create a consistent income stream while letting the remaining investment continue to grow.

Balanced or Hybrid Funds: These funds offer a mix of equity and debt exposure. With a Certified Financial Planner’s guidance, you can find the right balance of growth and income suited for retirement needs.

Debt Mutual Funds: These funds offer safety and liquidity. Unlike fixed deposits, debt funds have the potential to provide slightly higher returns. They can be a valuable component for generating monthly income.

Actively Managed Funds vs. Index Funds
Some investors consider index funds due to lower costs. However, index funds lack the flexibility of actively managed funds. An actively managed fund gives a Certified Financial Planner room to make strategic shifts based on market conditions. Actively managed funds aim to outperform indices, providing potential for higher growth.

Disadvantages of Direct Mutual Fund Plans
Many retirees consider direct mutual fund plans to save on fees. But direct plans lack the guidance and monitoring of a Certified Financial Planner. A regular plan, managed by a Mutual Fund Distributor (MFD) with a CFP credential, offers expert advice and ongoing management. The additional support can enhance your returns and lower risks.

Tax Implications for Your Retirement Plan
Understanding the tax rules on mutual fund gains is essential for retirement planning. New tax rules have made it more important to plan withdrawals wisely:

Equity Mutual Funds: Gains above Rs 1.25 lakh are taxed at 12.5% (LTCG), and short-term gains are taxed at 20%.

Debt Mutual Funds: Gains are taxed as per your income tax slab, so plan accordingly for better tax efficiency.

Adjusting for Inflation
With retirement, it’s crucial to consider inflation’s impact on your purchasing power. Fixed deposits may not fully counter inflation. Balancing with equity-oriented mutual funds provides potential growth that can offset inflation.

Health Insurance and Contingency Planning
In retirement, healthcare becomes a priority. Ensure you have comprehensive health insurance coverage for yourself and your family. Additionally, setting aside a contingency fund in liquid funds or a high-interest savings account can safeguard against unexpected expenses.

Reinvesting Matured Fixed Deposits
As your fixed deposits mature, consider reinvesting in diversified assets rather than rolling them into new fixed deposits. This way, you can gradually build a portfolio that meets both income and growth goals.

Final Insights
Your retirement planning journey can be smooth and rewarding with a balanced approach. Diversifying your investments will provide steady income and growth potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 31, 2025

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Hello Ramalingam sir. Good day. I'm looking to invest 20L for long term (min 10Y). Please advise how should I diversify the same?
Ans: Investing Rs 20 lakh for the long term requires careful planning. A well-diversified portfolio balances risk and return. Below is a structured approach to diversification.

Understanding Long-Term Investing
Long-term investing builds wealth over time.

A well-diversified portfolio reduces risk.

Regular monitoring is essential for success.

Asset Allocation Strategy
Spreading investments across different asset classes is important.

Asset allocation should match risk tolerance and goals.

Rebalancing every year ensures stability.

Equity Investments for Growth
Equity investments provide higher returns over time.

Investing in quality mutual funds ensures professional management.

Actively managed funds perform better than index funds.

Mid-cap and small-cap funds can give high growth.

A mix of large, mid, and small caps balances risk.

Investing through a Certified Financial Planner ensures better fund selection.

Debt Investments for Stability
Debt investments provide steady returns.

They reduce overall portfolio risk.

Corporate bonds and debt funds offer better returns than fixed deposits.

Government bonds are secure but have lower returns.

A portion of capital in debt instruments gives stability.

Gold for Hedging
Gold acts as a hedge against inflation.

5-10% of the portfolio in gold is beneficial.

Sovereign gold bonds provide interest and capital appreciation.

Gold ETFs and digital gold are convenient options.

International Exposure for Diversification
Investing in global funds provides currency diversification.

Exposure to international markets enhances portfolio strength.

Developed market funds offer stability.

Emerging market funds provide growth opportunities.

Investing in REITs for Real Estate Exposure
Real estate investment trusts (REITs) provide real estate exposure.

They generate rental income and capital appreciation.

REITs are more liquid than physical real estate.

Avoiding Insurance-Based Investments
Investment-cum-insurance plans give poor returns.

ULIPs have high charges and low flexibility.

Insurance should be separate from investments.

Emergency Fund Allocation
Always keep an emergency fund ready.

Three to six months of expenses should be in a liquid fund.

This ensures financial security during unforeseen events.

Tax-Efficient Investing
Investing in tax-saving funds reduces tax liability.

Long-term capital gains from equities are tax-efficient.

Debt investments should be chosen based on tax benefits.

A Certified Financial Planner helps in tax-efficient planning.

SIP vs. Lump Sum Investment
Systematic investment plans (SIPs) reduce market timing risk.

Lump sum investments work well in market corrections.

A combination of SIP and lump sum is effective.

Regular Monitoring and Rebalancing
Portfolio performance should be reviewed yearly.

Rebalancing ensures asset allocation stays aligned with goals.

Market fluctuations require adjustments.

Final Insights
A well-diversified portfolio ensures wealth creation.

Equity, debt, gold, and international funds balance returns and risk.

A Certified Financial Planner helps in building a strong investment plan.

Monitoring investments ensures long-term success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 06, 2025

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I have received 25 LKH INR. I would want to invest them in a safe manner. Would like to include some liquidity with a balanced approach. Please advise
Ans: You have Rs. 25 lakh for investment.

You want safety and liquidity.

You prefer a balanced approach.

You need a structured plan.

You need wealth growth while managing risks.

Let us explore the best way to invest.

Asset Allocation for Safety and Growth
Divide funds into different investments.

Keep some money easily available.

Invest the rest for long-term growth.

Avoid locking all money in one place.

A mix of investments is important.

Emergency Fund for Liquidity
Keep Rs. 3 lakh in a savings account.

Use it only for urgent needs.

Keep another Rs. 3 lakh in a liquid fund.

Liquid funds offer better returns than savings accounts.

They allow instant withdrawals.

Fixed Deposits for Stability
Invest Rs. 5 lakh in fixed deposits.

Choose a reputed bank for safety.

Break it into multiple deposits.

This avoids locking all money for long periods.

Laddering FDs ensures regular access to money.

Debt Mutual Funds for Moderate Returns
Invest Rs. 4 lakh in short-duration debt funds.

These funds give stable returns.

They have low risk and better liquidity.

They offer better returns than FDs.

Select funds with a good track record.

Balanced Mutual Funds for Growth
Invest Rs. 5 lakh in balanced mutual funds.

These funds combine equity and debt.

They give stable growth over time.

They protect against market fluctuations.

Choose funds with a good history.

Equity Mutual Funds for Long-Term Growth
Invest Rs. 5 lakh in actively managed equity funds.

These funds grow wealth over time.

They give higher returns than FDs and debt funds.

Choose funds based on your risk comfort.

Select good large-cap and flexi-cap funds.

Gold for Diversification
Invest Rs. 2 lakh in digital gold.

Choose sovereign gold bonds or gold ETFs.

They are better than physical gold.

Gold adds stability to your portfolio.

It performs well during market downturns.

Avoiding Common Investment Mistakes
Do not put all money in fixed deposits.

Do not invest everything in equity.

Avoid investing in real estate for liquidity.

Avoid mixing insurance with investment.

Avoid investing in direct mutual funds.

Regular Portfolio Review
Review your investments every 6 months.

Adjust based on market conditions.

Keep an eye on financial goals.

Rebalance your portfolio if needed.

Stay invested for long-term benefits.

Tax Considerations
Fixed deposits attract tax on interest earned.

Debt mutual funds have lower tax than FDs.

Equity mutual funds have tax benefits after one year.

Gold bonds give tax-free returns on maturity.

Plan investments to reduce tax burden.

Final Insights
A balanced approach includes safety, liquidity, and growth.

Keep emergency funds for unexpected needs.

Use debt funds and FDs for stability.

Use equity for long-term wealth creation.

Regular review helps in achieving financial goals.

Stay invested with a disciplined approach.

This plan balances risk and return effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 27, 2025

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Money
I have about Rs. 40 lakhs for investment. I intend to get a regular monthly income for expenses. I am already investing in stocks but due to the volatility I intend to diversify the funds in order to generate a regular monthly income of around 40k without capital risk. Please suggest accordingly. VA
Ans: Your financial planning approach is thoughtful. You are already investing in stocks but seek stability and regular income. A balanced investment strategy will help you achieve Rs 40,000 per month while keeping risks low.

Understanding the Income Requirement
You need Rs 40,000 per month, which is Rs 4.8 lakhs per year.

The invested amount should generate 6-8% annual returns without capital risk.

A mix of mutual funds, fixed-income instruments, and debt options can ensure stability.

The focus should be on capital protection and consistent income flow.

Diversified Investment Approach
1. Systematic Withdrawal Plan (SWP) in Debt-Oriented Mutual Funds

SWP ensures a steady monthly payout while keeping capital invested.

Debt-oriented funds offer low volatility and better returns than FDs.

It is tax-efficient compared to other income options.

Withdraw only the required amount to keep capital growth intact.

2. Monthly Income Plans (MIPs) in Hybrid Mutual Funds

These funds combine debt and equity for stable returns.

They generate moderate growth while ensuring monthly payouts.

These funds are managed by experienced professionals for better allocation.

3. Corporate Bonds and Government Securities

Corporate bonds offer fixed interest payouts with better returns than FDs.

Government-backed bonds ensure capital safety and steady income.

Choose bonds with AAA ratings for low risk.

4. Senior Citizen Savings Scheme (SCSS) and Post Office Monthly Income Scheme (POMIS)

SCSS is a government-backed scheme with quarterly interest payouts.

POMIS ensures fixed monthly income for five years.

Suitable if you want a zero-risk component in your portfolio.

5. Dividend-Paying Mutual Funds

These funds provide regular dividend payouts without selling capital.

Ideal for those looking for consistent passive income.

Choose actively managed funds for better performance.

Suggested Portfolio Allocation
SWP in Debt Mutual Funds – Rs 15 Lakhs (Rs 15,000 per month)

Hybrid Mutual Funds (MIP) – Rs 10 Lakhs (Rs 10,000 per month)

Corporate Bonds / G-Secs – Rs 7 Lakhs (Rs 7,000 per month)

SCSS / POMIS – Rs 5 Lakhs (Rs 5,000 per month)

Dividend-Paying Mutual Funds – Rs 3 Lakhs (Rs 3,000 per month)

Key Considerations
? Liquidity Needs – Keep some funds easily accessible.

? Taxation Awareness – SWP and bond income are taxable.

? Risk Management – Diversification protects capital.

? Periodic Review – Adjust investments based on market conditions.

? Investment Mode – Invest through a Certified Financial Planner (CFP) for expert guidance.

Finally
A diversified approach will help you generate Rs 40,000 per month with low capital risk. This ensures steady income, capital protection, and long-term sustainability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Career
Hi, my son has secured an admission in a 2+2 BITS CSE program 2025 at Hyderabad (first 2 years) and Iowa state univ (for next 2 years). Under DASA he can potentially get AI at NITK or ECE at NIT Trichy or CSE in NITW (his CRL rank is 25200). Can you please advise and provide recommendations on what we can choose and reasons? We know 2+2 ISU program is more expensive compared to NIT DASA fees but is it worth the money vis-a-vis doing a B.Tech at NIT and doing a masters in US later? For this rank, what can he get at the said NITs under DASA?
Ans: The BITS Pilani–Iowa State University 2+2 CSE offers two years at BITS Hyderabad (ACM-aligned curriculum, NAAC A++ accreditation, state-of-the-art AI, data-science and cloud labs) followed by two years at Iowa State University (top-50 US engineering program, immersive B.S. in Computer Engineering, ISU merit scholarships up to US $4,500/year). Total direct tuition and campus fees for BITS Hyderabad amount to approximately ?10.5 L per year, while Iowa State tuition exceeds US $33,000 annually, plus living expenses. Graduates earn dual degrees with global brand recognition and typically secure near-100% placement through BITS’s 200+ recruiter network and ISU’s strong career services, commanding premium compensation packages in software, data science and R&D roles.

Under DASA with an All-India CRL of 25,200, he qualifies for: B.Tech AI at NIT Surathkal (AI cutoff: 26,688); B.Tech ECE at NIT Trichy (ECE cutoff: 66,706); and B.Tech CSE at NIT Warangal (CSE cutoff: 46,935). Each NIT features NBA accreditation, experienced PhD faculty, modern labs and strong industry MoUs. NITK AI and NITW CSE boast placement rates above 80% and growing AI/analytics recruitment pipelines, while NIT Trichy ECE records near-75% core-sector placements. Annual DASA fees at NITs range from US $15,000–18,000, significantly lower than BITS-ISU costs, with comparable scholarship opportunities limited.

Balancing long-term ROI, the BITS 2+2 path accelerates global exposure, dual-degree credentials and premium placements at higher upfront cost. A B.Tech at NIT followed by a US master’s entails lower initial investment, robust core engineering training and the flexibility to self-fund graduate studies through campus placements or scholarships.

Recommendation: Opt for BITS 2+2 CSE if you prioritise world-class international exposure, dual degrees and, top-tier placement networks despite higher fees. Choose a DASA seat at NIT (AI at NITK or CSE at NITW) for cost-effective core engineering training with solid placement and later pursue a US master’s via merit scholarships. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 20, 2025

Career
Best option in iiit hyderabad for better placement and early internship in btech and dual degree for course cse with speclization ai ml
Ans: Dipanshu, IIIT Hyderabad’s B.Tech in CSE offers an ACM-aligned curriculum covering algorithms, systems, AI/ML, data science and electives in computer vision and NLP, delivered through state-of-the-art AI, cloud-computing and robotics labs. A 12-credit Practice School internship begins in the fifth semester, supported by a proactive placement cell and corporate mentoring, yielding a 99% placement rate for BTech CSE with an average package of ?31.98 LPA over the past three years. Faculty include PhD-qualified researchers with strong industry collaborations, and accredited NAAC A++ status underpins academic quality. The five-year dual-degree integrates the BTech foundation with a research-oriented MS by Research, immersing students in advanced AI/ML theory, thesis work under DST/CSIR grants, and early research assistantships via centres like Kohli Center on Intelligent Systems. Dual-degree cohorts see 100% MS placement at an average of ?26.46 LPA, and graduates often secure RA internships and stipends of ?20,000–?50,000 monthly through lab-based projects. Both paths benefit from IIIT-H’s industry MoUs, interdisciplinary innovation hubs and global recruiter network, yet differ in academic depth, time-to-degree and placement profiles.

Recommendation: Opt for the BTech CSE for its higher average placement packages, structured Practice School internships from year three and broader recruiter diversity. Choose the dual degree if you seek early research immersion, advanced AI/ML specialization, funded thesis work and a stronger pathway into academia or R&D roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Career
My son got admission in KCG college chennai with CSE. Now we got CSE in Amrita Chennai. My concern that Amrita chennai feeswise more than double comes to around 18 laks whereas KCG 8 laks overall Kindly suggest which one is good. Amrita is over burden for me. Still considering my son career I am ready to take loan or something to manage. Kindly suggest which one is goo
Ans: Raj Sir, KCG College of Technology, affiliated to Anna University and AICTE-approved, holds NAAC A+ and NBA accreditation for its CSE programme, a centrally located 50-acre campus with 140+ virtual and physical labs, including specialized AI, cloud and programming facilities. Its dedicated placement cell reported an 88%–94% placement rate over the past three years, with an average package of ?5 LPA and top recruiters such as Accenture, Cognizant, IBM and Amazon. Total tuition fees amount to approximately ?2 lakhs for the entire B.E. course.

Amrita School of Engineering Chennai, a constituent of Amrita Vishwa Vidyapeetham (NAAC A++), operates a 13.5-acre hill-campus with state-of-the-art AI, data-science, cybersecurity and cloud labs, and a strong industry-university research ecosystem. Its CSE graduates achieved a 90%+ placement consistency in 2024, with an average package of ?9.2 LPA and participation from 300+ recruiters including TCS, Wipro, Accenture and Amazon. Total tuition fees for B.Tech CSE are ?18 lakhs over four years.

Academically, KCG offers a robust ACM-aligned curriculum and extensive virtual-lab access, whereas Amrita provides a research-driven, choice-based credit system, extensive centers of excellence, and global collaborations. Both institutions maintain active MoUs and experienced Ph.D. faculty, but Amrita’s higher spend yields stronger median placements and broader recruiter reach.

Recommendation: Opt for Amrita Chennai CSE if investment is feasible, to leverage its superior placement outcomes, advanced research infrastructure and extensive industry linkages. Choose KCG College CSE for an accredited curriculum with solid placement consistency at a significantly lower cost, preserving financial flexibility. MY SUGGESTION: Finalise KCG and advise your son to keep upgrading his skills during the next 4 years, build a strong & professional LinkedIn Profile, improve his soft skills etc., to be competitive among other students for campus placement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9162 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
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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