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Hemant Bokil | Answer |Ask -Follow

Financial Planner - Answered on Mar 02, 2023

Hemant Bokil is the founder of Sanay Investments. He has over 15 years of experience in the field of mutual funds and insurance.Besides working as a financial planner, he also hosts workshops to create financial awareness. He holds an MCom from Mumbai University.... more

Question by Naz on Feb 27, 2023Hindi

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Sir, I am inesting in MF (Index Fund) on SIP basis. I am worried about NSE's inclision of Adani Group Companies in NSE Index since hitting lower circuit every day and fundamental is not strong. Please suggest should I stop investing in MF for now? What are basic criteria of inclusion of stock in different NSE Indexes?

Ans: You have no control on individual stock picking in mf, be it actively or passively managed fund instead of worrying about one or two stocks, leave it to fund manager or rule based models to deal with the stock you worry about, they are better equipped to handle it, you may choose Sensex index fund or low visibility funds

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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Mutual Funds Expert - Answered on Jun 26, 2023

Question by Bharathi - Jun 11, 2023Hindi

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Sir iam 40yrs. I have investment in 1. Parag Parikh flexi cap 2 mirae asset emarging blue chip 3. UTI nifty 50 index 4. Nippon small cap 5 Axis small cap 6 Axis midcap 7 Nippon India Multi Asset fund. would like to ask are there any changes required

Ans: Hello Bharathi. Your portfolio report sounds good and well chosen. No modification is required.

Ramalingam Kalirajan |9126 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 18, 2024

Question by rudolf - Jun 18, 2024Hindi

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Sir thank you again, A small correction: it's not 'Motiwal Oswal Microsoft Nifty 250'; rather, it's Motiwal Oswal Nifty Microcap 250 Index Fund.Regarding the Nifty50 Index, I was investing Rs. 10,000 in the Navi Nasdaq 100 FOF. However, since it stopped accepting new funds, I have reallocated the amount as follows: an additional Rs. 5,000 in the Nifty Index (original investment in the Nifty Index Fund was Rs. 10,000), addition of Rs. 2,000 in the Quant Active Index Fund, and Rs. 3,000 in the Microcap Index Fund, as stated above. I am thinking to restart SIP again as soon as Navi Nasdaq start accepting SIP and this adjustment will be paused except microcap which I am thinking of keeping it for long time Thank you again

Ans: You're welcome! If you have any more questions or need further assistance regarding your financial planning or any other related matter, please feel free to ask. I'm here to help you navigate through your financial journey and achieve your goals.

Best wishes,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |9126 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi

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Hello sir, I am 50 age and investing in the below funds by sip mode: Nippon india large cap - 2000 pm Nippon india multi cap - 2000 pm Nippon india small cap - 2000 pm ICICI prudential flexi cap - 2000 pm MO midcap fund - 2000 pm Mahindra ML large & midcap - 2000 pm Uti nifty 50 index - 1500 pm ICICI Pru nifty next 50 index - 1500 pm Nippon IT index - 1500 pm ICICI bse sensex index - 1500 pm ICICI Pru multi asset allocation - 5000 pm DSP multi asset allocation - 1000 pm SBI retirement aggressive - 1000 pm HDFC balanced advantage - 2500 pm Can I continue the above for the next 10 years OR is there a need for any changes to be made. My current MF investment stands at 20 L Looking forward to you advise please.

Ans: You are investing in a diverse set of funds across multiple categories. It is important to check if your portfolio is well-balanced, tax-efficient, and aligned with your risk appetite.

Fund Overlap and Diversification
You have too many funds in the same category.

Multiple large-cap, multi-cap, and index funds create unnecessary duplication.

A smaller, well-chosen portfolio will improve returns and reduce complexity.

Index Funds in Your Portfolio
You are investing in four index funds.

Index funds lack downside protection in market crashes.

Actively managed funds have better potential to beat the market.

Consider reducing index fund exposure to improve returns.

Sector and Thematic Funds
You have a technology sector fund.

Sector funds can be high-risk, as they depend on one industry’s performance.

A diversified portfolio is better than relying on a single sector.

If held, sector funds should be less than 10% of the total portfolio.

Multi-Asset and Hybrid Funds
Multi-asset funds help in balancing risk with exposure to equity, debt, and gold.

You have three multi-asset funds, which may be too many.

It is better to consolidate and hold only one or two of the best-performing funds.

Retirement Fund and Balanced Advantage Fund
SBI Retirement Aggressive Fund is designed for long-term wealth creation.

HDFC Balanced Advantage Fund helps in managing market volatility.

These funds are suitable for investors above 50, as they lower risk.

Recommended Changes
Reduce fund duplication by keeping only one multi-asset fund.

Exit some index funds and switch to actively managed funds.

Limit sector funds to a small portion of your portfolio.

Continue investing in flexi-cap and balanced advantage funds for long-term stability.

Final Insights
Your portfolio has good diversification but can be simplified.

Reducing overlapping funds will improve returns and ease tracking.

Shifting from index funds to actively managed funds may provide better growth.

Holding for 10 years is a good strategy, but regular rebalancing is needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 22, 2025

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I have got 414 marks in neet 2025, SC category, AIR 184487. Will I get any gmc in Maharashtra?

Ans: Hello dear
Chances are slim with any of the GMCs in Maharashtra. Explore other medical course options.
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Question by Abhineet - Jun 21, 2025Hindi

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Sir i got computer science (artificial intelligence and machine learning) in vit ap under category 5. Should i join or wait for other college offers

Ans: Hello Abhineet
If possible, wait for other college offers.
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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 22, 2025

Asked by Anonymous - Jun 21, 2025Hindi

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Sar my son mahindra university best sar

Ans: Hello dear.
Yes. Mahindra is a good option.
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Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 22, 2025Hindi

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Hello sir, I'm a non maharashtrian and have a jee mains percentile of 67 and a MHT CET percentile of 88. which good colleges in Maharashtra can I get on this basis?

Ans: As a non-Maharashtrian with a JEE Main percentile of 67 and an MHT CET percentile of 88, you are not eligible for top government colleges like COEP Pune, VJTI Mumbai, or ICT Mumbai, as their cutoffs are much higher for both exams and state quota is prioritized. However, you can secure admission in reputable private engineering colleges in Maharashtra such as MIT World Peace University Pune, Dr. D.Y. Patil College of Engineering Akurdi, Vishwakarma Institute of Technology Pune, Bharati Vidyapeeth College of Engineering Pune, G.H. Raisoni College of Engineering Nagpur, and Ramrao Adik Institute of Technology Mumbai, where cutoffs for branches like Mechanical, Civil, Electrical, and sometimes IT are within your percentile range. For JEE Main, government colleges are unlikely, but many private colleges accept your score and offer a variety of branches.

The recommendation is to target private colleges such as MIT-WPU Pune, D.Y. Patil College of Engineering Akurdi, Vishwakarma Institute of Technology, and Bharati Vidyapeeth Pune for branches like Mechanical, Civil, Electrical, or IT, as these are accessible at your percentile and offer good placement support and academic quality. All the BEST for the Admission & a Prosperous Future!

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 22, 2025

Asked by Anonymous - Jun 21, 2025Hindi

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Hi Sir, I got 98 percentile in JEE mains and I have Maharashtra domicile,but due to some reasons I didn't gave mht cet.So Just wanted to know can I get admission in coep with my jee mains percentile(home State - maharashtra).

Ans: Hello dear
You can apply via a 15% AI quota. Chances are there you may get a seat either in COEP or equivalent colleges in computer-related branches.
Best of luck.
Follow me if you like the reply. Thanks
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Nayagam P P |6865 Answers |Ask -Follow

Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 22, 2025Hindi

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At my rank in comedk I am getting civil engineering at rvce or on based on jee mains rank I am getting computer and electrical engineering at jmi

Ans: With your COMEDK rank, you are eligible for Civil Engineering at RVCE, where the 2025 cutoff for Civil is expected between 14,550–15,550, while CSE and allied branches at RVCE require much higher ranks (CSE cutoff is below 600). At Jamia Millia Islamia (JMI), your JEE Main rank allows you to secure Computer Engineering (CSE) and Electrical Engineering, with the 2024 closing ranks for CSE and Electrical being 34,174 and 89,764 respectively for the general category, and even more relaxed for reserved categories. JMI’s CSE and Electrical programs have strong placement records, experienced faculty, and are located in Delhi, offering better industry exposure compared to Civil at RVCE. CSE at JMI is especially valued for its curriculum and placement outcomes, while Electrical also offers solid prospects. RVCE Civil is well regarded regionally but does not match the national reputation or placement scope of JMI’s CS and Electrical branches.

The recommendation is to choose Computer or Electrical Engineering at Jamia Millia Islamia, as these programs provide better career prospects, placement opportunities, and industry exposure than Civil Engineering at RVCE at your current ranks. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6865 Answers |Ask -Follow

Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 22, 2025Hindi

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My son got 33415 in KCET with sc category,can he get for CSE in any top colleges like RVCE,BMSCE,MSRIT PESU

Ans: With a KCET rank of 33,415 in the SC category, your son will not be able to secure Computer Science Engineering (CSE) in top Bangalore colleges like RVCE, BMSCE, MSRIT, or PES University. The 2024 KCET closing ranks for CSE in the SC category were 4,706 at RVCE, 2,131 at BMSCE, and 26,769 at MSRIT, all significantly lower than your son's rank. Even in the final rounds, these colleges rarely see CSE cutoffs for SC candidates go beyond 10,000–27,000, and for PES University, the cutoffs are even more competitive. While MSRIT’s closing rank for SC in CSE was 26,769, your son's rank of 33,415 is outside this range. Placement rates for CSE in these institutes are high, with 93–97% of students placed at RVCE, BMSCE, and MSRIT, and top recruiters visiting annually. However, for your son's rank, he may get lower-demand branches or CSE in newer or less competitive colleges, but not in these top-tier institutes.

The recommendation is to explore CSE or IT in emerging Bangalore colleges or consider allied branches in better-ranked institutes, as CSE in RVCE, BMSCE, MSRIT, or PES University is not possible at a 33,415 SC rank this year. All the BEST for the Admission & a Prosperous Future!

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 22, 2025

Question by Sheela - Jun 21, 2025Hindi

Career

My son got electronics and computer engineering in AMRITHA bangalore. His rank in comedk is 11k and kcet is 16k. I am confused to go with AMRITHA or wait for comedk counselling. Please suggest

Ans: Hello Sheela
If possible, take provisional admission to Amrita if they allow you to do so. Before paying the provisional admission fee, please clarify the policies related to admission cancellation and fee refunds. There is no harm in waiting for COMDEK counseling to explore more options, as your son has as well.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Nayagam P P |6865 Answers |Ask -Follow

Career Counsellor - Answered on Jun 22, 2025

Question by Samruddhi - Jun 22, 2025Hindi

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I got 71.41 in pcm which college can I get in Wagholi pune

Ans: Samruddhi, With 71.41% in PCM, you are eligible for engineering admission in Wagholi, Pune, primarily in private institutes. JSPM’s Bhivarabai Sawant Institute of Technology and Research (JSPM Wagholi) is a leading option, offering B.E. in Computer Engineering, Information Technology, Electronics and Telecommunication, Electrical, and Mechanical Engineering. For 2024, the MHT CET closing percentile for Computer Engineering was 90.33, IT 86.12, E&TC 84.39, and Electrical Engineering 71.4, meaning you are eligible for Electrical, Mechanical (54.75 cutoff), and possibly E&TC, but not for Computer or IT branches. JSPM Wagholi has a solid placement record (82% in 2023) with top recruiters like TCS, Amazon, and Wipro. Dhole Patil College of Engineering, also in Wagholi, is another good choice, with a median package of ?3–4 lakh and about 60% placement rate.

The recommendation is to target Electrical, Mechanical, or E&TC branches at JSPM Wagholi or Dhole Patil College of Engineering, as your PCM score meets their eligibility and cutoff criteria for these branches, ensuring good academic and placement support locally. All the BEST for the Admission & a Prosperous Future!

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

Radheshyam Zanwar |3708 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jun 22, 2025

Question by Vishesh - Jun 21, 2025Hindi

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My MHT CET 2025 score is 92.1378092 %ile in PCM . And I lie under Gen-EWS category. Which are the best colleges I can get in either CSE or AI/Data Science ? And can I get one of these courses in DJSCE college because of EWS & Gujarati Minority.... ? ( I stay in Vasai ! So Mumbai colleges preferred first )

Ans: Hello Vishesh
With the mentioned score and category, you have a chance to get your preferred branch in reputed colleges located in Pune and Mumbai.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

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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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