Home > Money > Question
Need Expert Advice?Our Gurus Can Help

Should I continue my SBI Smart Wealth Plan with 2.7 Lakh fund value after 2 years?

Ramalingam

Ramalingam Kalirajan  |8319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 19, 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
Asked by Anonymous - Mar 17, 2025Hindi
Listen
Money

I am investing 1.5lack in sbi smart wealth plan for 7 years. My policy term 12 years. Is it a good plan for good return,2 years completed,fund value 2.7lack,Should this policy be continued? kindly guide me

Ans: You are investing Rs. 1.5 lakh per year in an insurance-cum-investment policy.

The policy duration is 12 years, with a premium payment term of 7 years.

You have completed 2 years, and the fund value is Rs. 2.7 lakh.

You want to know if you should continue this policy.

Insurance-cum-investment plans are not the best for wealth creation. You need to evaluate whether this plan aligns with your financial goals.

Issues with Insurance-Cum-Investment Plans
High Charges: These plans have high fees in the initial years. This reduces actual investment returns.

Low Returns: The returns are usually 4%-6%, lower than equity mutual funds.

Lock-in Period: You are required to stay invested for a long term, with limited flexibility.

Poor Liquidity: Withdrawing funds before maturity may result in high penalties.

Mixing Insurance and Investment: Insurance should provide protection, and investment should focus on growth. A combined product does not serve either goal efficiently.

Performance of Your Policy So Far
You have invested Rs. 3 lakh so far (Rs. 1.5 lakh per year for 2 years).

Your current fund value is Rs. 2.7 lakh, which means a loss of Rs. 30,000.

This is due to high charges deducted in the early years.

Even if the fund performs better in future, the charges will continue to impact returns.

You must decide whether to stay invested or move to better alternatives.

Should You Continue or Exit?
If wealth creation is your goal, this plan is not the best option.

If you need insurance, a pure term insurance plan is more cost-effective.

You can surrender the policy and reinvest the amount in mutual funds for better growth.

The surrender charges may reduce your corpus, but over the long term, mutual funds will give better returns.

Alternative Investment Options
Equity Mutual Funds: These provide better long-term growth than insurance plans.

Balanced Advantage Funds: These funds manage risk while giving decent returns.

Debt Mutual Funds: Suitable if you need stable returns with lower risk.

PPF or EPF: If you want a safe and tax-free investment option.

Reallocating your money into these instruments will give better returns and flexibility.

Tax Considerations on Surrendering
Surrendering before 5 years will add the maturity amount to your taxable income.

If you exit after 5 years, the amount will be tax-free.

The earlier you surrender, the higher the impact, but staying invested will continue to reduce your returns.

Consult a tax expert if required, but in most cases, switching to a better investment is more beneficial.

What Should Be Your Next Steps?
If your goal is wealth creation, surrender the policy and reinvest in mutual funds.

Buy a separate term insurance plan for financial protection.

Avoid future investments in such insurance-linked plans.

Build a diversified portfolio for long-term financial security.

Keep reviewing your portfolio annually to ensure you are on track.

Finally
Insurance-cum-investment plans do not generate high returns.

Your policy is already showing negative growth due to high charges.

Consider surrendering and shifting to a better investment strategy.

Always keep insurance and investment separate for better financial growth.

Make future investments in mutual funds and other flexible options.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Mar 21, 2025 | Answered on Mar 21, 2025
Listen
Sir kindly suggest which policy is better for me, good return and low risk Existing policy can discontinue before 5 years
Ans: There is no insurance policy that offers both high returns and low risk.

For wealth creation, surrender the existing policy and invest in mutual funds.

For insurance, buy a pure term plan for financial protection.

If you surrender before 5 years, the amount will be added to your taxable income.

If possible, wait until 5 years to reduce the tax impact.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Ramalingam

Ramalingam Kalirajan  |8319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 14, 2024Hindi
Listen
Money
Hi i have purchased sbi smart priviledge plan. I have taken for a single premium of 8 lakhs. Its been 6 months and i dont see any growth in my fund. In fact my amount is only decreasing. I really dont have much knowledge in stock market and all. Am very much worried about my money. If anyone have taken same plan pls share your experience in this
Ans: This SBI Life Smart Privilege Plan review delves into the plan's features to help you decide if it aligns with your financial goals. While it promises a blend of insurance and investment benefits, there are several drawbacks to consider before you invest.

Disadvantages of SBI Life Smart Privilege Plan:

Lower Returns: ULIPs typically underperform compared to pure investment options like mutual funds. Insurance and administrative charges eat into your returns. The review calculates that even with an 8% CAGR in underlying funds, the plan's Internal Rate of Return (IRR) is only 6.74%.

Multiple Charges: The plan comes with a variety of charges, including premium allocation charges (up to 5 years), policy administration charges, fund management charges, surrender charges (if you exit early), partial withdrawal charges, premium redirection charges, and mortality charges. These fees reduce your overall returns significantly.

Limited Liquidity: You're locked in for at least 5 years. There are surrender charges if you withdraw your money before the policy term ends, further restricting access to your invested amount.

Market Dependence: Unlike traditional life insurance, your returns depend on market performance and your chosen fund within the plan. This introduces investment risk.

No Loan Facility: Unlike some ULIPs, SBI Life Smart Privilege Plan doesn't allow you to take loans against your policy.

Lack of Transparency: The underlying funds in this plan are less transparent compared to those offered by mutual funds. This makes it difficult to assess the risks involved.

Alternatives to Consider:

PPF + Term Insurance: This combination offers guaranteed returns with PPF and pure life coverage with a term insurance plan. The review suggests a PPF investment with a term insurance plan might yield a better return (around ?1.63 Cr) compared to SBI Life Smart Privilege Plan (around ?1.57 Cr) for the same investment over 15 years.

ELSS Mutual Fund + Term Insurance: This option provides potentially higher returns with an ELSS Mutual Fund, but carries investment risk. However, the review estimates a potential return of ?2.5 Cr with an ELSS Mutual Fund compared to ?1.57 Cr with SBI Life Smart Privilege Plan (for the same investment over 15 years).

Before You Invest:

Investment Goals: Align your investment with your short-term or long-term financial goals.
Risk Tolerance: Consider your comfort level with market fluctuations.
Financial Advisor: Consult a financial advisor for personalized investment advice based on your needs and risk tolerance.
Conclusion:

The SBI Life Smart Privilege Plan might seem attractive, but the review highlights several disadvantages, particularly lower returns compared to alternatives. Consider exploring options like PPF or ELSS Mutual Funds with term insurance for potentially better returns and flexibility. Always consult a financial advisor before making any investment decisions.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

Listen
Money
Sir, I had invested 6 lakh per annum (payment period -5 years) in SBI SMART PREVILEGE INSURANCE CUM INVESTMENT PLAN with 100% in MIDCAP FUND. What is the past history & future benefit of SBI SMART PREVILEGE PLAN? Is it beneficiary or advisable to invest 100% in Midacap fund? If there is any disadvantage in this Plan, do inform because i have little knowledge in Investment process...
Ans: Assessing Your Investment Strategy
Your decision to invest in the SBI Smart Privilege Plan with 100% allocation to Midcap Fund is significant. Let's explore the option of surrendering the ULIP and reinvesting the funds into mutual funds for potentially better outcomes.

Surrendering the ULIP
Considering your concerns and investment objectives, surrendering the ULIP may be a prudent choice. ULIPs often come with high charges and limited flexibility, which can impact your returns over the long term. Evaluate the surrender value and any associated charges before making a decision.

Reinvesting in Mutual Funds
Reinvesting the funds from the surrendered ULIP into mutual funds offers several advantages. Mutual funds provide greater flexibility, transparency, and potentially higher returns compared to ULIPs. With a diversified portfolio of mutual funds, you can optimize your investment strategy and minimize risks.

Benefits of Mutual Funds
Mutual funds offer a wide range of options catering to different risk appetites and investment goals. They provide professional management, diversification, and liquidity, making them suitable for long-term wealth creation. Choose funds that align with your risk tolerance and financial objectives.

Disadvantages of ULIPs
ULIPs often come with high charges, including premium allocation charges, policy administration charges, and fund management charges. These charges can significantly reduce your returns, especially in the early years of the policy. Additionally, ULIPs may lack transparency and flexibility compared to mutual funds.

Importance of Diversification
Diversification is key to managing risk in your investment portfolio. Allocate the reinvested funds across different asset classes, such as equity, debt, and balanced funds, to spread risk and optimize returns. A Certified Financial Planner can help create a well-diversified portfolio tailored to your financial goals.

Benefits of Regular Funds Investing through a Certified Financial Planner
Investing in regular funds through a Certified Financial Planner (CFP) offers several advantages. CFPs provide personalized advice, portfolio management, and regular reviews to ensure your investments are aligned with your objectives. They help optimize your portfolio for better returns and risk management.

Conclusion
Surrendering the ULIP and reinvesting the funds into mutual funds can be a wise decision considering your investment goals and concerns. Mutual funds offer greater flexibility, transparency, and potential for higher returns compared to ULIPs. Consulting with a Certified Financial Planner can provide valuable guidance to optimize your investment strategy and achieve your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 14, 2024

Money
I am 64 years old having sbi life retired smart policy. Premium of Rs. 200000 per year. Started on 2nd September 2019 .last Premium paid on 2nd September 2024 . Policy period 10 years. Should I continue or transfer to some other mutual funds
Ans: At the age of 64, it is important to carefully assess the effectiveness of your financial strategies. You have been investing Rs. 2,00,000 annually into the SBI Life Retired Smart Policy since 2019. Now that your last premium has been paid in September 2024, the key question is whether you should continue with this policy or shift to other investment options like mutual funds. Let’s evaluate this from various perspectives to guide you in making an informed decision.

Understanding Your Policy Structure
This policy is a ULIP (Unit-Linked Insurance Plan), which offers life cover as well as investment benefits. However, ULIPs often have a high-cost structure, including premium allocation charges, fund management fees, and mortality charges, especially in the early years of the policy. This affects the overall returns.

Now that you have completed five years of premium payments, you might have overcome the high initial costs. Let’s break down the key factors:

Premium Paid: You have paid Rs. 2,00,000 annually for 5 years, which amounts to Rs. 10,00,000 in total.

Policy Period: It is a 10-year policy, and you are halfway through. You still have 5 years remaining.

Returns: ULIP returns are linked to the performance of the funds you are invested in, which could be either equity, debt, or balanced. These returns vary, and ULIPs typically do not outperform mutual funds due to higher costs.

Let’s now weigh the pros and cons of continuing with your policy.

Benefits of Continuing the SBI Life Retired Smart Policy
There are a few advantages to staying with the current policy, especially since you have already paid 5 years of premiums.

Life Insurance Coverage: The policy provides life cover, which can be a key benefit if you do not have adequate life insurance coverage. However, at the age of 64, the need for life insurance generally reduces unless you have dependents.

Completion of Lock-in Period: You have completed the lock-in period, so you can exit without penalties if needed. You also avoid the heavy initial charges that were already deducted in the early years.

Tax Benefits: The premiums paid provide tax benefits under Section 80C, and the maturity proceeds could be tax-free under Section 10(10D), subject to conditions. However, these tax benefits alone may not justify continuing the policy if the returns are subpar.

Disadvantages of Continuing the SBI Life Retired Smart Policy
On the flip side, there are several reasons why continuing with the policy might not be the best decision for you.

High Charges: ULIPs come with several charges, such as fund management fees, mortality charges, and policy administration fees. These charges reduce the overall return on your investment. Mutual funds, in comparison, tend to have lower fees, especially if you invest through a certified financial planner.

Limited Flexibility: In a ULIP, you are limited to the funds offered by the insurance company. These funds may not have the same performance or diversity as mutual funds managed by top fund houses. Actively managed mutual funds have a proven track record of generating superior returns over the long term due to the expertise of professional fund managers.

Mediocre Returns: Most ULIPs deliver lower returns than mutual funds, primarily due to their cost structure. You might have experienced average growth in your policy, which could affect your retirement planning.

Lack of Liquidity: ULIPs typically do not offer liquidity until the end of the policy term, whereas mutual funds provide better flexibility, allowing you to redeem funds when needed.

Exploring Mutual Fund Investments
Switching to mutual funds could be a better strategy at this stage, given that you’ve completed 5 years in the ULIP. Here are the advantages of transitioning to mutual funds:

Higher Returns Potential: Actively managed mutual funds have consistently outperformed ULIPs due to their lower cost structure and professional fund management. You can invest in funds that suit your risk profile, whether equity, hybrid, or debt funds.

Better Flexibility: Mutual funds offer the flexibility to switch between different types of funds based on your financial goals. This flexibility is lacking in ULIPs, which have a rigid structure.

Low Costs: Mutual funds, especially through a certified financial planner, have much lower expense ratios than ULIPs. This ensures that a larger portion of your investment goes toward earning returns rather than paying fees.

Tax Efficiency: With the new tax rules for mutual funds, long-term capital gains (LTCG) on equity mutual funds above Rs. 1.25 lakh are taxed at 12.5%, while short-term capital gains (STCG) are taxed at 20%. Debt mutual funds are taxed according to your income tax slab. Despite these tax implications, mutual funds may still offer better post-tax returns compared to ULIPs.

Disadvantages of Index Funds and Direct Funds
While you might be tempted to explore index funds or direct mutual fund investments, they have certain limitations.

Index Funds: These funds replicate market indices like Nifty or Sensex. However, they do not offer the potential to outperform the market. Actively managed funds, on the other hand, have the ability to generate higher returns by capitalising on market opportunities. Given that your policy period has another 5 years, you may benefit more from actively managed funds than passive index funds.

Direct Funds: While direct funds have lower expense ratios than regular funds, they may not be ideal for everyone. Without professional advice, it can be challenging to choose the right funds and manage your portfolio effectively. Investing through a certified financial planner ensures that you receive expert advice, helping you achieve better long-term results.

Should You Surrender the Policy?
Given the analysis above, surrendering the SBI Life Retired Smart Policy and reinvesting in mutual funds could offer you better returns, lower costs, and more flexibility. However, it is important to consider the following before making a decision:

Surrender Charges: Check if there are any surrender charges applicable to your policy. If these charges are high, you may want to wait until the policy matures to avoid any penalties.

Tax Implications: While the premiums paid are eligible for tax deductions, the maturity proceeds might also be tax-exempt. However, surrendering the policy could lead to tax implications, so it’s important to consult with a certified financial planner to understand the tax impact.

Alternative Investment: If you decide to exit the policy, mutual funds offer a diverse range of options tailored to your financial goals and risk tolerance.

Final Insights
In summary, your decision to continue or exit the SBI Life Retired Smart Policy depends on your financial goals, risk tolerance, and investment strategy.

The policy has provided life insurance coverage and tax benefits, but its returns may be limited due to high charges.

By switching to mutual funds, you can potentially achieve higher returns, lower costs, and better flexibility for your remaining investment horizon.

Avoid index funds and direct funds in favour of actively managed mutual funds through a certified financial planner to get the best results for your retirement planning.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2025

Money
Dear Sir, I am aged 40 years a aggressive investor I have recent corpus of 13 lac in mutual fund and doing SIP of Rs30500 monthly in following funds . Nippon small cap - 9000 , Tata small cap - 7500 , Quant Small cap - 6000 , kotak small cap - 5000 and Pgmi Flexi cap -3000 and a vision for next 22 years with step up of 10 %. I also invest in PPF of 12500 monthly and In EPF with 25000 basic salary and i will also get Rs 50 lac from various LIC policy at the age of 60 . I want to know that is my approach is right and what would be the future corpus at the age of 62 years .
Ans: You are doing a disciplined and smart job with your investments. You have a long-term horizon, a strong SIP commitment, and a clear goal in mind. That’s a big step many don’t take seriously. Let me now evaluate your approach from all angles. This will be a 360-degree review of your investment plan and future readiness.

Let us go step-by-step to understand if your approach is right and what the future looks like.

Your Current Financial Setup

You are 40 years old now.

You have a mutual fund corpus of Rs 13 lakh.

You invest Rs 30,500 monthly through SIP.

You invest in four small cap funds and one flexi cap fund.

You step up your SIP by 10% annually.

You have a PPF investment of Rs 12,500 monthly.

You contribute to EPF. Your basic salary is Rs 25,000.

You will receive Rs 50 lakh from LIC policies at age 60.

Your investment horizon is 22 years from now.

This is a solid plan and shows discipline. Now, let us evaluate it carefully with insights and suggestions.

Assessment of Mutual Fund Investments

You are investing heavily in small cap mutual funds.

Four out of five funds are from the small cap category.

Small caps give high returns, but they also carry high risk.

Over 22 years, this risk may work in your favour.

But the ride will be bumpy. There will be sharp ups and downs.

At times, you may see short-term losses. That is normal.

However, putting over 85% of SIP in small caps may be risky.

You need better diversification for stability.

Adding large cap and mid cap funds may balance the risk.

Your Flexi cap fund does help a bit, but it is still not enough.

A blend of market caps will give smoother long-term growth.

It is better to slowly bring down small cap exposure to 50%.

Increase exposure to diversified and mid-cap funds gradually.

Don’t exit small cap funds suddenly. Take a phased approach.

This change will make your portfolio strong and well-balanced.

Step-Up SIP Strategy – Strong and Effective

Increasing SIP by 10% annually is a smart idea.

This fights inflation and grows your wealth faster.

It uses your rising income to build a big corpus.

Many investors ignore step-up. You are doing it correctly.

Keep increasing the SIP without fail every year.

Even a break in step-up can delay your target.

Review your SIPs yearly and adjust as income rises.

This strategy will help you reach your target corpus faster.

Investment in PPF – A Safe Long-Term Cushion

PPF offers guaranteed, tax-free interest.

You are investing Rs 12,500 monthly in PPF.

Over 22 years, this will become a strong safe corpus.

It adds stability to your overall financial plan.

PPF is good for retirement since it is risk-free.

Keep continuing till maturity. Do not withdraw early.

Interest rate may vary, but long-term returns are good.

You also get tax exemption under Section 80C.

This risk-free asset will protect you from equity market shocks.

EPF – A Reliable Retirement Contributor

Your EPF is linked to your Rs 25,000 basic salary.

The employer also contributes monthly.

Over 22 years, this will grow into a big amount.

EPF offers fixed, tax-free returns with no market risk.

It is an excellent tool for retirement planning.

Avoid premature withdrawals from EPF.

You can withdraw after retirement for use as income.

This will be a strong pillar of your retirement security.

LIC Maturity at Age 60 – A Special Boost

You will receive Rs 50 lakh from LIC policies at age 60.

This will come at a perfect time near retirement.

You must check if these are traditional or ULIP plans.

Traditional plans offer low returns, mostly below inflation.

ULIPs carry market risk and high charges.

If these are investment-cum-insurance plans, surrendering is wise.

You can reinvest that surrender amount in mutual funds.

Use proper asset allocation while reinvesting.

For insurance needs, use only term insurance.

Reinvesting in mutual funds can make this Rs 50 lakh grow further.

Future Corpus at Age 62 – What to Expect

With SIPs, EPF, PPF and LIC money, your total savings will be huge.

Your mutual fund corpus will grow rapidly with step-up.

Your PPF and EPF will grow safely, year after year.

LIC amount will give a big boost just before retirement.

With 10% SIP step-up, your corpus can cross Rs 9 to 10 crore.

Exact figure depends on market returns, SIP discipline, and inflation.

But you are definitely on the right path to reach financial freedom.

You are preparing for retirement very well.

This kind of planning gives peace of mind and confidence.

Things You Are Doing Right – A Quick Look

Strong SIP discipline and long-term vision.

Investing in equity for long-term wealth creation.

Following step-up SIP approach.

Investing in PPF and EPF for safe returns.

Keeping investment horizon of 22 years.

Maintaining separate LIC maturity plans.

You are showing smart behaviour as an aggressive investor.

Key Improvements You Should Consider

Reduce small cap exposure to 50% slowly.

Add more mid-cap and flexi cap funds.

Avoid overlapping funds from same category.

Review performance of all funds every 6 months.

Check expense ratios and consistency of returns.

Track goal progress once a year with clear targets.

Make sure your portfolio has good asset allocation.

Don’t hold funds only based on past returns.

Always go through a Certified Financial Planner for changes.

This will make your portfolio more stable and return-oriented.

Important Taxation Insight

Long-Term Capital Gains above Rs 1.25 lakh are taxed at 12.5%.

Short-Term Capital Gains are taxed at 20%.

Plan redemptions smartly to reduce tax.

Use staggered withdrawals near retirement.

Redeem equity funds over time, not all at once.

PPF and EPF are tax-free. LIC maturity is also tax-free.

But for mutual funds, plan redemptions with tax efficiency.

This will help you protect your wealth from tax erosion.

Important Notes on Fund Types and Investments

Do not use direct mutual funds if you are not an expert.

Direct funds need self-review and research, always.

There is no handholding or guidance with direct funds.

If you miss fund underperformance, losses may happen.

Regular funds through MFD with CFP advice are safer.

CFP will do goal review, fund analysis and rebalancing.

This adds value and protects your goals from derailment.

Always go through a trusted CFP for a 360-degree plan.

Your long-term wealth deserves the right expert attention.

Finally – Our Insights for You

You are on a great track with vision and discipline.

You are investing smartly across equity and debt.

With minor changes, your plan can become stronger.

Keep focus on diversification and risk management.

Review your goals and progress yearly with expert help.

Stick to your plan even during market falls.

Continue your SIP step-up and never skip contributions.

Use professional guidance to ensure smooth journey.

Your retirement will be financially independent and stress-free.

This approach will help you lead a proud, peaceful life post-60.

Stay committed and consistent. You are doing excellent already.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1595 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 05, 2025

Career
Sir , i got 95.5 percentile in JEE mains , which is 67000crl and 20000obc. i think i might not be able to crack jee advance. i have also written vitee and got 18000 rank. I am also writing bitsat. I am interested in mechanical and electrical field . which college should i choose among GFTIS like BIT mesra, VIT, Bits pilani and north east nits for me to have a good career. or should i repeat and try to aim to getter a bttr jee main and advance rank
Ans: Hello Rohan
Congratulations on clearing the JEE (M). Underestimating yourself regarding any examination is not the proper approach towards the goal you have set. Appear for the JEE (A) without fear and without any expectations for the result. You will gain admission to BITS if you meet the required cutoff in BITSAT. You have two options: electrical or mechanical. Both branches have their own merits. You need to choose which field you wish to work in the future. If you are willing to go to the newly formed NITs in the North-East regions, then prefer that option. Choosing between GFTIs, BIT Mesra, or VIT can be somewhat confusing. You did not mention your hometown, so I am unable to guide you properly. However, to choose among these three options, prioritize GFTIs if possible. Considering a repeat attempt at the JEE is generally not recommended. Yet, if you have the patience and full confidence to succeed in both JEEs, then you may consider repeating. Best of luck with your upcoming BITSAT examination. Last suggestion: among the two options, Mechanical and Electrical, choose Electrical if possible. You can either pursue a job or start your own business in the energy sector.
Follow me if you like the reply. Thanks
Radheshyam

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x