I am investing around 40k per month in 11 different SIPs.

Mirae Assets Tax Saver Fund Direct - Growth

Quant Small Cap Fund Direct Plan - Growth

SBI Small Cap Fund Direct Plan - Growth

Bank of India Small Cap Fund Direct Plan - Growth

Quant mid Cap Fund Direct Plan - Growth

PGIM India Miacap opportunities Fund- growth

Tata Digital India Fund Direct- Growth

Sundaram Flexi Cap Fund Direct- Growth

Quant Tax Plan Direct- Growth

ICICI Pru US Bluechip Equity Fund Direct- Growth

Canara Rebecco Small Cap Fund Direct- Growth

Other investments:

25k p.m. VPF

25k p.m in stocks

My target is to accumulate around 1 cr in next 8 years. Request you to please advise if i am on track to achieve this goal or do I need to change anything.

Ans: Between UIET Mechanical and PEC Civil, PEC Civil is generally the better choice in terms of reputation, alumni network, and long-term career value.
Go for UIET Mech only if he has a strong interest in mechanical core work or wants to prepare for PSU exams related to that branch.

Ans: If your son is clear about building a career in cutting-edge tech like AI, data science, or ML, then CSE with AI & ML gives him a head start and industry demand is strong.
However, core CSE is safer if he wants flexibility—it covers all fundamentals and allows him to specialize later through projects, electives, or a master’s degree.
If he’s unsure right now, core CSE keeps more options open for the next 4 years.

Ans: Newton School (Bengaluru, via S-VYASA / Rishihood University)
• Offers an industry-focused B.Tech in CS & AI, recognized by UGC/AICTE, and grants alumni status from both Newton School and Rishihood University
• Placement performance is strong:
o Up to 98% placement rate
o Over 2,500 students placed with hiring partners like Google, Amazon, Razorpay, McKinsey
o Average packages around ?12 LPA, sometimes higher
o For internships, 93% students got offers in 2nd year, averaging ?25,000/month, with top stipends up to ?50,000/month; some even ~?1.25 L/month at Google
Excellent placements and real-world exposure. Strong choice if you're keen on careers in software, AI, data—and flexible later for higher studies or government roles.
Dayananda Sagar College of Engineering (DSCE), Bengaluru
• Has a dedicated placement division with solid support—mock interviews, soft-skill training, etc.
• Placement stats:
o Highest packages range between ?52–56 LPA
o Average placements around ?6–6.5 LPA
o ~55–80% of students get placed
• Specifically for DSU (Dayananda Sagar University):
o In 2024, highest package: ?35 LPA, total offers: 419, with 450+ companies visiting, and several “dream” and international offers
Good options, especially if you're targeting higher packages. But overall placement percentage is lower than Newton, so some students may need to work harder to grab top offers.

Ans: Hello dear
Prefer PU if possible.

Good luck.
Follow me if you receive this reply..
Radheshyam

Ans: With a 98.2 percentile in JEE Main (OBC), your chances for ECE/EEE are good in some NITs, but the very top ones like NIT Warangal, NIT Surathkal, and IIIT Hyderabad are still tough because their cut-offs for these branches are usually higher for OBC (often 99+).
You should still try for:
• NIT Allahabad (ECE chances are fair)
• NITs in the next tier like NIT Jaipur, NIT Rourkela, NIT Nagpur
• IIIT Bangalore – borderline for ECE, but worth applying
• IIIT Delhi – possible if you meet their eligibility and domicile rules
Keep backup options ready in other good NITs/IIITs to be safe.

Ans: Hello dear
Yes. CSBS students are eligible for ISRO, DRDO, and GATE which opens door to government jobs.

Good luck.
Follow me if you receive this reply..
Radheshyam

Ans: Saurav, VIT Bhopal offers a specialized B.Tech in Computer Science and Engineering with Cloud Computing and Automation, supported by modern curriculum and industry-relevant courses. Its placement records are strong across all campuses, with an average package around ?11 LPA and participation from 632 recruiters including top tech firms. The program emphasizes emerging technologies and practical skills in cloud infrastructure. IET Lucknow’s Electronics and Communication Engineering (ECE) program, established since 1984, enjoys experienced faculty and well-equipped labs focused on signal processing, VLSI, and communication. Placements average around ?8.2 LPA with reputable recruiters like Adobe, Wipro, and Bharat Electronics. The institute provides good infrastructure and consistent placement support in core electronics sectors.

Recommendation: Choose VIT Bhopal CSE in Cloud Computing for higher placement averages, cutting-edge specialization in a high-demand tech domain, and broader recruiter engagement. Opt for IET Lucknow ECE if you prefer a traditional, well-established core electronics program with solid placements and experienced faculty. The decision should align with your preferred technology sector and career focus between software/cloud and electronics/communication engineering. All the BEST for a Prosperous Future!

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Ans: Sreenivasan, IIT Indore's Mechanical Engineering program offers strong academic infrastructure with a 88.33% placement rate and average packages of INR 21.88 LPA. The institute benefits from experienced faculty, modern labs, and strong industry connections with top recruiters like Amazon, Microsoft, and Goldman Sachs. IIT Dhanbad's Electrical Engineering department established in 2005 maintains a robust placement record with 82.69% placement rate and average packages of INR 17.58 LPA. The department features well-qualified faculty and comprehensive laboratory facilities, attracting recruiters from core electrical sectors and IT companies. Both institutes provide excellent infrastructure, research opportunities, dedicated training cells, active student support, and quality campus life, ensuring strong career prospects for graduates.

Recommendation: Choose IIT Indore Mechanical Engineering for superior placement rates, higher average packages, and better overall industry engagement. Opt for IIT Dhanbad Electrical Engineering if core electrical domain expertise and established departmental legacy are priorities, despite lower placement statistics compared to IIT Indore's Mechanical program. All the BEST for a Prosperous Future!

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Ans: Dear Anonymous,
Your feelings are valid, but confronting her is not going to help the situation. The onus is not on her, but on your partner to care for your comfort. It is him whom you must have a conversation with. If this arrangement makes you uncomfortable, you have every right to express it. Let him know that you are not okay with it; it’s not about the money, but about the connection he still has with his ex. Let him explain himself properly because what he is saying right now sounds a bit vague.

But if his ex is indeed going through a rough patch and he is just helping her out without any romantic connection involved, you can then consider how to feel about it. But even if that makes you feel uncomfortable, it’s still valid. But first, please speak to your partner.

Best Wishes.