I am investing 4000 per month each in: ICICI Pru Blue Chip Kotak Flexi Cap Mirae Asset Emerging Blue Chip Axis Blue Chip ICICI Pru MultiCap Fund Axis Multi Cap Franklin India Focused Equity Mirae Asset Focused ICICI Pru Multi Asset Kotak Emerging Equity Axis Mid Cap Nippon India Small Cap Kotak Small Cap Fund HDFC Index Sensex Plan (G) Tata Digital India Fund Kotak Small Cap ICICI Pru Value Discovery Fund Nippon Large Cap Please advise : SHould I continue or change?

Ans: Yes, NFSU (National Forensic Sciences University) can be a good choice for B.Tech, especially if you're interested in forensic science and cyber security. Admission to NFSU's B.Tech programs, including the integrated B.Tech-M.Tech in Cyber Security, is primarily based on a combination of JEE Main scores and the National Forensic Admission Test (NFAT). The cutoff for B.Tech in Cyber Security is generally in the 20-65 percentile range, with variations based on category and course.

Ans: Regarding any IIIT I won't comment, but research about the ranking of IIITs and prefer a better IIIT. Your percentile is good. You can try for NITs also.

Ans: Certainly not in any Govt Colleges, that much I can say. Doors of Private Engineering colleges are always open if a candidate fulfills the minimum criteria.

Ans: Hello;

From financial prudence stand point as well as tax point of view it makes sense to repay the home loan.

Capital gain from the sell of old property can be set off against new property loan repayment thereby avoiding capital gain tax payment completely.

However considering new Incom tax bill recently passed by the parliament it would be better to consult a CA specializing in personal income tax, on this topic.

You may keep the tenure same and reduce EMI thereby getting more investible surplus income that could be moved to NPS/monthly sip's towards your long term goals.

Best wishes;

Ans: Hello
Regular options will be difficult to get and may not be very comfortable at this age.
Independent work is recommended.

Ans: Do some short term course relevant to field you want to work in. Check with placement agencies what are the relevant courses you can do that will help you secure a job.

Ans: If you have 15+ years work ex then can try for ISB 1 year course for professionals with 15+ work ex. Else 1 year full time executive MBA from top colleges. If you do not want to leave job then can do 2 year distance MBA course.

Ans: Could be possible. But start working immediately. Incase you do not get into a good college, then once you get 4+ or 5+ years work ex you can try for 1 year executive MBA course

Ans: Loyalty should be mutual. If the company isn’t meeting you halfway after years of service, you have every right to seek a place that will. Even if you love the company, staying somewhere that doesn’t recognize or reward you is career-limiting.