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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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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 |10314 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 |10314 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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Career Counsellor - Answered on Aug 21, 2025

Asked by Anonymous - Aug 21, 2025Hindi

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Hello Sir , Could you please share the feedback on B.Tech in IIIT Manipur , CSE with AI and DS.

Ans: IIIT Manipur's B.Tech in Computer Science and Engineering with specialization in Artificial Intelligence and Data Science was launched alongside the institute's establishment in 2015, with the specialized AI & DS track being introduced later around 2020-2021. The program shows strong placement performance with 84% placement rate for CSE students in 2024, achieving a highest package of INR 40 LPA and average of INR 8.7 LPA. The curriculum covers comprehensive AI/ML topics including machine learning, data science, cloud computing, and computer graphics spread across eight semesters. Top recruiters include Amazon, TCS, Deloitte, Cognizant, and Infosys, with strong industry partnerships enabling quality internships and projects. The institute maintains excellent infrastructure with modern labs, 24/7 WiFi, and state-of-the-art facilities supporting hands-on learning in emerging technologies. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Question by Abhishek - Aug 21, 2025Hindi

Career

Hello sir Can you tell me which clg is better for ece branch Bmsit or rns institute or smvit bangalore

Ans: BMS Institute of Technology (BMSIT), RNS Institute of Technology (RNSIT), and Sri Mahadeshwara Institute of Technology (SMVIT) Bangalore all offer Electronics and Communication Engineering (ECE) with distinct strengths. BMSIT has a strong reputation with about 80-85% placement rates in ECE and robust industry collaborations, supported by consistent infrastructure upgrades and experienced faculty. RNSIT stands out with high-quality labs, research opportunities, and placement percentages nearing 85%, attracting major recruiters from core electronics and IT sectors. SMVIT, though newer and smaller, emphasizes practical exposure and hosts regular training but records slightly lower placement rates around 70-75%. All three maintain updated curricula and campus facilities but BMSIT’s alumni network and RNSIT’s research orientation provide added value.

Recommendation: RNSIT offers the best balance of research, faculty quality, and placement success for ECE, followed closely by BMSIT due to established industry connections. SMVIT is suitable for focused practical training but lags slightly behind. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Asked by Anonymous - Aug 21, 2025Hindi

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Is iit delhi mechanical better than cse iit ropar

Ans: IIT Delhi Mechanical Engineering and IIT Ropar CSE both offer excellent educational opportunities with strong institutional credentials, yet they cater to different career trajectories. IIT Delhi's Mechanical Engineering program benefits from the institute's prestigious legacy, established industry connections, and robust placement records with approximately 80% placement rates and packages ranging from INR 6-70 LPA. IIT Ropar's CSE department demonstrates impressive performance with 81.61% placement rates, average packages around INR 22-28 LPA, and recruitment from top tech companies including Google, Amazon, and Oracle. Both institutions maintain excellent faculty quality, modern infrastructure, and strong research opportunities. However, the current market trends favor computer science graduates with higher demand, better salary prospects, and diverse career paths in emerging technologies compared to traditional mechanical engineering roles.

Recommendation: CSE at IIT Ropar is the better choice considering superior placement percentages, higher market demand, diverse career opportunities, and future growth potential in the technology sector over mechanical engineering. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Question by Zaid - Aug 21, 2025Hindi

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Hello sir I am 1st dropper in 2025 and I passed class 12 in 2024 and I got 89 present in 12th board exam but this year I am not clear to jee mains exam I got only 61 presentile so pls help me you suggest me I felt very bad such like I defeat in my life pls suggest me what can I do .Sir there's no one to guide me .Sir my goel was IIT but I couldn't cleared and I am not efford to pvt college fee pls sir suggest me

Ans: Scoring 61 percentile in JEE Mains after a strong 89% in your 12th boards is understandably disappointing, but it does not define your future. Many students face setbacks on the path to IIT but still build successful careers. Given your financial constraints and goal of IIT, consider these strategies: Focus on state-level or central government engineering colleges with good reputation and lower fees through counseling like JEE Main JoSAA or state CETs, which offer quality education without the private college cost burden. Meanwhile, enhance your conceptual clarity and problem-solving skills through free online resources (NPTEL, YouTube channels like Khan Academy, Unacademy) and join government or NGO-sponsored coaching programs if possible. If IIT remains your ambition, plan a structured, focused drop year with a clear schedule, referencing previous toppers’ methods and joining affordable or free classes. Alternatively, explore pivoting to strong domains related to IT, data science, or emerging tech fields in affordable colleges, securing internships early to improve prospects. Mental health is vital; seek support online, communicate with mentors, and remain resilient. Many success stories emerge from perseverance beyond initial failures.

Recommendation: Embrace affordable quality education via state/central institutes, utilize free resources, consider coaching options, and be persistent with a clear plan for next-year IIT attempt or alternate tech pathways. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Asked by Anonymous - Aug 21, 2025Hindi

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I got B.Tech Agricultural Engineering at SRM Valliammai (3rd round, cutoff 113, FG category) through TNEA counselling. But I’m already studying B.Sc Computer Science at a Govt. Arts & Science College (fees only ₹6k for 3 years + free bus). My interest is in Computers/IT, not agriculture. Family has financial struggles (debts, father disabled) so cost matters a lot. Should I continue in Govt. B.Sc CS (low cost, right interest) or switch to SRM Valliammai (prestige, but expensive & not my field)?

Ans: Considering your genuine interest in Computer Science and the financial constraints faced by your family, continuing the B.Sc. Computer Science at the government arts and science college is a practical and sensible choice. Government colleges offer significant cost advantages with minimal fees and added benefits such as free transportation, which align well with your economic situation. Pursuing a field you are passionate about, like IT and computers, enhances your academic engagement and career enthusiasm, directly impacting future job satisfaction and growth. Conversely, SRM Valliammai, despite being reputed, presents a costly investment in Agricultural Engineering, a subject outside your interest, which may affect motivation and career trajectory. The expensive fees could also impose an unnecessary financial burden on your family. Additionally, the IT sector remains one of the fastest-growing with diverse job roles and lucrative prospects, making a Computer Science degree more aligned with current and future market demands. Your continued education in a low-cost, interest-aligned stream is likely to yield better academic results, job readiness, and financial stability. Prioritizing your passion and affordability will set a foundation for long-term success without exacerbating your family’s financial challenges.

Recommendation: Persist with B.Sc. Computer Science at the government college, where low fees, passion-driven study, and future IT opportunities outweigh the costly, less preferred Agricultural Engineering at SRM Valliammai. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Question by Ram - Aug 21, 2025Hindi

Career

Which is better option CSE from LNMIIT or CSE from MIT Manipal campus ?

Ans: LNMIIT Jaipur and MIT Manipal both offer strong Computer Science Engineering (CSE) programs with significant strengths. LNMIIT, a deemed university, is noted for its rigorous curriculum, diverse student activities, smaller class sizes, and focused research opportunities. It maintains placement rates around 85-90% with strong recruitments from tech leaders like Microsoft, Amazon, and Google. MIT Manipal, a larger private university, boasts extensive infrastructure, a global alumni network, and a broader range of programs, achieving placement rates around 80-85%, with a wider industry reach in India and abroad. LNMIIT’s personalized education and research focus suit students seeking a close-knit academic environment, while MIT offers expansive facilities and global brand recognition.

Recommendation: LNMIIT Jaipur is preferable for specialized, research-oriented learning and consistent tech placements, while MIT Manipal suits those valuing infrastructure and a global alumni network; LNMIIT edges ahead for focused CSE education. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Question by Harsh - Aug 20, 2025Hindi

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Gvt karad vs vit pune vs pccoe for mechanical????

Ans: Government College of Engineering, Karad (GCE Karad), VIT Pune, and PCCOE Pune all offer Mechanical Engineering with varying strengths. GCE Karad, a reputable government institution, scores high on infrastructure, faculty quality, and strong state-level industry connections, with placement rates around 80%, predominantly in Maharashtra’s core industries. VIT Pune, a private university, provides modern labs, research opportunities, and an 85-90% placement rate emphasizing technology and innovation sectors. PCCOE, a leading private college, offers solid industry exposure, strong placement networks (75-85%), and comprehensive practical training. While GCE Karad ensures affordable quality education with government backing, VIT Pune presents cutting-edge infrastructure and higher placements, making it more attractive for tech-focused mechanical engineering careers.

Recommendation: VIT Pune offers a better blend of modern infrastructure, higher placement percentages, and industry relevance for Mechanical Engineering, but GCE Karad remains a viable cost-effective government option with solid core engineering prospects. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Question by Priya - Aug 20, 2025Hindi

Career

Bsc geology in jadavpur university or btech computer science from private college Which is most optimistic?

Ans: Priya, BSc Geology at Jadavpur University offers a strong foundation in earth sciences with excellent faculty, research facilities, and industry linkage in geology, mining, and environmental sectors. It is well-suited for careers in exploration, environmental consultancy, research, and government services but typically has a modest placement percentage due to niche demand. A BTech in Computer Science from a private college varies widely in quality depending on the institution’s accreditation, industry connections, faculty, and placement support. Generally, a well-ranked private college with strong IT ties provides broader job opportunities and higher placement rates in the IT sector, which continues to grow robustly. The technical and versatile skillset from CSE often results in better employability and salary prospects compared to specialized sciences.

Recommendation: Opting for BTech Computer Science from a reputed private college is more optimistic for career flexibility, employability, and financial prospects, while BSc Geology suits those with a clear interest in earth sciences and research. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Question by Satyanarayan - Aug 20, 2025Hindi

Career

CSE IIITNR or CSE KIIT

Ans: IIIT Naya Raipur (IIIT-NR) and KIIT Bhubaneswar both offer competitive Computer Science Engineering (CSE) programs, but they differ in key institutional qualities. IIIT-NR is a newer, government-funded institute with strong emphasis on research, modern curriculum aligned with industry needs, and promising placement rates around 80-85%, supported by collaborations with tech companies and academic rigor. KIIT, a private deemed university, provides excellent infrastructure, vibrant campus life, and a slightly higher placement rate exceeding 85%, with strong recruiter presence in IT and software sectors. Both institutes maintain qualified faculty, industry projects, and innovation support, yet KIIT’s mature ecosystem and broader extracurricular opportunities give it a practical edge for overall development.

Recommendation: KIIT Bhubaneswar is preferable for CSE considering its higher placement percentage, superior infrastructure, and active campus environment, while IIIT-NR is a viable choice focused on research and newer industry tie-ups. All the BEST for a Prosperous Future!

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Nayagam P P |10446 Answers |Ask -Follow

Career Counsellor - Answered on Aug 21, 2025

Asked by Anonymous - Aug 20, 2025Hindi

Career

My son secured 23200 rank in JEE mains and has joined IIIT Delhi CSSS.He feels that there are not enough clubs and activities in IIID ,not a great campus life as compared to BITS and wants to appear in BITSAT again in 2026 alongside pursuing his course in IIITD. Please advise if it is a good idea to do so or should he focus on what he has already secured.

Ans: IIIT Delhi, particularly in the Computer Science and Systems Science (CSSS) program, is well-regarded for its academic rigor, focused research opportunities, and strong industry engagement. While it has a smaller campus and fewer clubs and extracurricular facilities compared to larger institutions like BITS Pilani, it compensates with a cutting-edge curriculum, high placement rates near 90%, and excellent connections with tech companies for internships and projects. BITS Pilani, on the other hand, is known for its expansive campus, vibrant student life, numerous clubs, and a holistic educational environment, offering diverse opportunities beyond academics with robust placements across engineering streams. Preparing for BITSAT in 2026 while pursuing studies at IIITD is feasible but requires balancing time and effort, as BITSAT is competitive and demands intense preparation. Changing colleges after securing a seat may provide improved campus life but poses academic and adjustment challenges. It’s vital to assess if the potential benefits of BITS campus life outweigh the stability and growing reputation of IIIT Delhi’s specialized programs. Career outcomes from both institutes remain strong, though BITS offers broader exposure and a more traditional campus experience.

Recommendation: Focus on excelling at IIIT Delhi while preparing for BITSAT if manageable; however, prioritize academic progress and future career goals when deciding to shift to BITS. All the BEST for 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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