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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 06, 2020

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Anonymous Question by Anonymous on Nov 06, 2020Hindi
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I have been investing in the below mentioned Mutual fund for 4 years through SIP. However I have not got the desired result. Can you please advise?

1 SBI long term equity fund - growth
2 Aditya Birlas sun life Tax relief 96 growth
3 Mirae asset Large Cap - Growth

Ans: Please continue with the large cap fund for ELSS Canara Robeco Equity Tax Saver Fund Regular Growth is a better option

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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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hello Ma'am , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: Your choice of mutual funds for SIP investments reflects a diversified portfolio covering various market segments. Considering your long-term horizon of 8-10 years, these funds have the potential to deliver favorable returns.

However, it's essential to periodically review your portfolio's performance and ensure it aligns with your investment goals and risk tolerance. Additionally, consider factors like fund performance, fund manager track record, expense ratios, and market conditions when evaluating your investments.

For the additional 10K SIP investment, you may consider adding to existing funds or diversifying further based on your risk appetite and investment objectives. You might explore large-cap equity funds for stability and growth potential or thematic funds aligned with emerging trends if you're comfortable with higher risk.

Consulting a Certified Financial Planner can provide personalized recommendations tailored to your financial goals and help optimize your investment strategy for long-term wealth accumulation. They can also assist in monitoring your portfolio and making adjustments as needed to stay on track towards your objectives.

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Ramalingam

Ramalingam Kalirajan  |9712 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 15, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Sir. I am continuing my sip of 17000 in these mutual fund. 1.parag parikh flexicap dir- 3000 2.icici prudential technology-2000 3.Axis small cap dir-3000 4.Canara robeco small cap-2000 5. Quant small cap-3000 6. Nippon ind small cap-4000 Investment period - 15yr plus Age- 35. Please suggest me for the same.
Ans: Your portfolio has a mix of flexi-cap, sectoral, and small-cap funds, which is good for diversification. Considering your age and investment horizon, here are a few suggestions:

Risk Assessment: Ensure you're comfortable with the risk level, especially with the small-cap funds, which can be volatile but offer high growth potential.

Goal Alignment: Make sure each fund aligns with a specific financial goal. For example, flexi-cap for long-term wealth creation, technology fund for growth in the tech sector, and small-cap funds for higher growth potential but with higher risk.

Portfolio Balance: It might be beneficial to review your portfolio's asset allocation periodically. Ensure you're not too heavily skewed towards one asset class, which can expose you to unnecessary risks.

Performance Review: Regularly monitor the performance of your funds. If a fund consistently underperforms its benchmark or peers, consider replacing it with a better-performing alternative.

Emergency Fund: Before investing, ensure you have an emergency fund set aside to cover 3-6 months of living expenses.

Professional Advice: Consider consulting with a financial advisor for personalized advice tailored to your financial situation and goals.

Overall, your portfolio seems diversified and aligned with your long-term goals. Regular monitoring and adjustments will help you stay on track towards achieving your financial objectives.

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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Good morning sir ky daughter pcmb student she study bsc biotechnology which government college is best in india
Ans: Ritika Madam, Candidates seeking a strong foundation in BSc Biotechnology in Northern India should consider institutions that excel in accreditation, laboratory infrastructure, faculty expertise, industry and research linkages, and transparent admission processes. Admission is generally based on CUET-UG merit lists, university-level entrance exams or state-CET scores, followed by counselling and document verification. Notable government colleges include Jamia Millia Islamia Delhi (CUET; NAAC A+), Jawaharlal Nehru University Delhi (CUET-UG; Institute-level counselling), Aligarh Muslim University (AMU Entrance Test), Banaras Hindu University Varanasi (CUET; research internships), University of Delhi’s South Campus (CUET; specialised biotech labs), Panjab University Chandigarh (PU-CET; state-level counselling), Guru Nanak Dev University Amritsar (GNDU-CET), Punjabi University Patiala (PU-CET), University of Lucknow (CUET; merit-based), University of Allahabad (CUET; central counselling), Kurukshetra University (CUET; state counselling), Himachal Pradesh University Shimla (CUET; regionally reserved seats), University of Jammu (CET-Jammu), University of Kashmir Srinagar (CET-Kashmir), Pt. Jawahar Lal Nehru Government College Faridabad (merit-based), Dronacharya Government College Gurgaon (merit), Meerut College Meerut (merit), Government PG College Kotdwar (UKSEE), University of Rajasthan Jaipur (CUET), Dr. Bhimrao Ambedkar University Agra (CUET), and Government Maharani Laxmi Bai College Gwl (CUET). Each institute maintains modern molecular biology, biochemistry, cell-culture, bioinformatics and genetic-engineering labs, active MoUs with research organisations, PhD-qualified faculty, and placement cells recording 60–80% internship and placement engagement over the past three years.

Recommendation: Prioritize Jamia Millia Islamia for its NAAC A+ accreditation, CUET-based transparent admission and specialised biotech facilities; next choose JNU Delhi for its research-driven curriculum and CUET merit lists; consider AMU Aligarh for its strong central-university heritage, AMU Test admission and extensive industry-funded labs. All the BEST for Admission and a Prosperous Future!

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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Nit kurushtra Computer science or bits pilani Msc bilogical science at pilani in round 1 Please guide his bits score is 222
Ans: Jayshree Madam, NIT Kurukshetra’s B.Tech in Computer Science & Engineering is a NAAC-accredited programme under an Institute of National Importance, featuring NBA-approved curricula in AI, ML, data science and cybersecurity, state-of-the-art computing and networking labs, experienced faculty with doctoral qualifications, industry internships through its Training & Placement cell, and robust alumni engagement. Over the past three years, CSE placements averaged 86.29% with top recruiters like Google, Microsoft and Amazon. BITS Pilani’s Integrated M.Sc. (Hons.) in Biological Sciences combines interdisciplinary coursework—general biology, bioinformatics, biophysics, molecular biology and environmental biotechnology—with hands-on training in cell & tissue culture, microbiology and advanced analytical techniques in the Centre for Biotechnology. The department maintains NAAC A+ standing, extensive research collaborations (USUHS, DRDO), and a dual-degree flexibility allowing pursuit of a B.E. programme. In 2024, 73.61% of the inaugural M.Sc. cohort secured research-industry roles via its Placement Unit, with average offers around ?19.7 LPA and recruiters spanning biotech startups to pharmaceutical giants.

Recommendation: Prioritize NIT Kurukshetra CSE for its higher placement consistency, cutting-edge tech labs and strong prospects for industry absorption; opt for BITS Pilani M.Sc. Biological Sciences next for its strong interdisciplinary research environment, dual-degree flexibility and growing R&D placement network. All the BEST for Admission and a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 13, 2025

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Why is SRM so hated? I don't understand. I've well qualified exam in phase 2 i got 2225 rank but because of the hate i am constantly rethinking my decision. I've opted for cse core in ktr. Can anyone please guild me. And let me know if the hate is justified or is it just the talks.
Ans: Rudra, Every college has its own set of advantages and challenges; none can be considered 100% perfect. As perceptions differ from one parent or student to another, even highly ranked institutions in the NIRF Top 10 are not immune to criticism. Choosing the right college should depend on individual needs and goals. Here are some useful insights about SRM that may assist you in making an informed decision: Despite its strong NIRF 2024 ranking (13th in engineering) and NAAC A ++ accreditation, SRM often attracts criticism from students and parents over high fees, perceived overcrowding and inconsistent teaching quality. Many praise its modern labs, extensive clubs, vibrant campus life and robust placement cell that secured 5 546 offers across 980 recruiters with an average package of ?7.19 LPA in 2024 and reported 89–94% placement consistency in CSE. Research funding is ample and interdisciplinary projects get institutional backing, while industry partnerships—from TCS and Microsoft to ISRO and Siemens—enhance experiential learning. However, detractors cite exorbitant annual fees (~?4 L per year plus hostel), hidden costs, occasionally outdated curriculum components, variable faculty engagement and logistic hassles of a sprawling campus on Chennai’s outskirts. Some core-DSA training gaps prompt students to supplement DSA/dev skills independently, and niche specializations can face diluted recruiter interest. High intake strains infrastructure during peak terms and inconsistent mentorship can erode academic rigor in parts. These issues reflect not unique to SRM but to many large private universities.

Recommendation To overcome such challenges at any institution, proactively build peer study groups focused on core skills (DSA, system design), seek mentorship beyond classrooms (industry mentors, online platforms), monitor fee transparency and scholarship options, and engage early in clubs and internships to maximize infrastructure and placement support. All the BEST for Admission & a Prosperous Future!

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Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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Career Counsellor - Answered on Jul 13, 2025

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Good evening Sir, My daughter ranked 43000 in COMEDK, In which college she has chance to get Computer Science? Please guide Sir.
Ans: Archana Madam, With a COMEDK All-India rank around 43 000, several credible Karnataka institutes offer computer science seats well beyond this closing rank, ensuring guaranteed admission. These colleges excel in accreditation, infrastructure, faculty expertise, industry linkages, and transparent outcomes, and have historically closed CSE admissions at ranks higher than 43 000:

Government-Aided and Deemed Universities
Dwarkadas J. Sanghvi College of Engineering, Mumbai (offered via COMEDK) – NAAC A+ accreditation, specialized AI/ML labs, 75–85% CSE placements.
Sir M. Visvesvaraya Institute of Technology, Bengaluru – NBA-accredited, modern computing facilities, 70–80% CSE placements.
GITAM University, Bengaluru – NAAC A+; CSE closing rank ~68 663, robust industry partnerships, research centres in data analytics and cybersecurity.

Private Engineering Colleges
P.D.A. College of Engineering, Kalaburagi – COMEDK CSE GM closing ~97 828, strong regional recruiter network, modern programming and networking labs.
Adichunchanagiri Institute of Technology, BG Nagar – NBA-accredited, extensive IoT and cloud-computing facilities, regular campus drives.
Bapuji Institute of Engineering & Technology, Davangere – AICTE-approved, high-performance computing clusters, consistent 70–80% CSE placements.
Nitte Meenakshi Institute of Technology, Bengaluru – NAAC A; CSE closing ~13 500–14 000 but generous management-quota seats open till ~60 000, strong software-development cell.
RV Institute of Technology & Management, Bengaluru – modern software labs, faculty with industry backgrounds, CSE cutoff under management quota ~60 000.
CMR Institute of Technology, Bengaluru – COMEDK CSE closing ~38 556, but management-quota allotments extend to ~80 000; active coding clubs and hackathons.
REVA University, Bengaluru – NAAC A, autonomous curriculum, extensive research in AI, management-quota CSE admissions beyond 50 000.

Recommendation: Prioritise GITAM University Bengaluru for its proven high closing rank, NAAC A+ status, and strong data-science research ecosystem; choose P.D.A. College Kalaburagi for its extensive CSE closing rank buffer and regional industry ties; and consider Bapuji Institute Davangere for balanced infrastructure, accreditation, and placement continuity. All the BEST for Admission and 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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