I am investing in MF via fund advisor. They have proposed me all below regular MF plan. Can you please suggest what should I do in this situation? Shall I SmartSwitch all my MF to direct plan?. Currently I have below MF in my portfolio.

1) HDFC top 100

2) L&T emerging business fund

3) Nippon India growth fund - Large Cap

4) Nippon Small Cap fund

5) Franklin India Equity Fund

All above MF are in regular plan. I am looking for long term investment. Please suggest.

Also suggest if all above MFs are good or need to make any changes to it.

Ans: Jyoti, Thapar’s Electronics & Communication (ENC) program consistently achieves near-perfect placement—approximately 100% for ECE/ENC branches over the past three years—with 90%+ of eligible students placed annually by over 200 recruiters including Microsoft, Amazon, Deloitte, and JP Morgan. YMCA Faridabad’s B.Tech in Robotics & AI is a nascent branch without specific historic data, but overall B.Tech placement percentages rose from 69.9% in 2022 to 89% in 2024, supported by 475+ companies and 526 students placed in 2024. GGSIPU’s AI & Data Science programs through IPU report placement rates of 90% in 2022 and 76% in 2023, with 32 top recruiters visiting USICT in 2024. Evaluating these on academic quality, research & innovation, student support, industry linkage, and alumni network reveals Thapar’s mature ENC ecosystem excels in placement diversity and infrastructure, YMCA offers growing industry engagement in a specialized field, and IPU provides broad exposure but variable recent outcomes.

Recommendation: Thapar University’s ENC ranks first for placement reliability and recruiter breadth, YMCA Faridabad AI follows for its rapid placement growth and strong industry collaborations, and IPU AI ranks third due to fluctuating placement rates despite a robust placement cell. All the BEST for a Prosperous Future!

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Ans: LNMIIT Jaipur’s ECE program is NAAC Grade A accredited, offers a strong foundation in electronics and communication, and emphasizes innovation with opportunities in IoT, AI, and data science. It boasts a 93.76% placement rate in 2025, with continual growth in recruiter diversity, and a vibrant campus for holistic development. Thapar Institute of Engineering & Technology, Patiala, offers Civil Engineering with a premier national reputation (NIRF #43), robust infrastructure, and academic depth, alongside strong training, research, and placement support. In 2023, Thapar’s overall undergraduate placement rate was 83%, featuring a notable presence of top recruiters and a large alumni network; however, core civil engineering placements may not be as competitive as those in technology branches.

Recommendation: For a future-oriented, versatile engineering education with superior placement prospects and broader career flexibility, LNMIIT Jaipur ECE is the preferred option. Its elevated placement rate, interdisciplinary opportunities in fast-growing technology fields, and dynamic learning environment will best support your daughter’s holistic academic and professional development. All the BEST for a Prosperous Future!

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Ans: IIIT Hyderabad is widely recognized for its academic excellence, research intensity, and prestigious peer environment, reflected in consistently high global and national rankings (501-600 in THE World Rankings, 47th NIRF Engineering 2024). Admission through LEEE allows lateral entry into its coveted dual degree (B.Tech + MS by Research) path, offering an immersive, four-year program with a distinct focus on innovation, cutting-edge technologies, and research aptitude. Students benefit from close mentorship, vibrant tech-centered clubs, hands-on exposure via open-source collaborations and industry-driven internship programs, and immediate access to India’s top minds in computer science and allied disciplines. Infrastructure is sophisticated, with 20+ research labs, AI, data science, and IoT centers, and active participation in national and international hackathons, joint industrial ventures, and conferences. Peer quality is regarded as exceptional; IIITH draws high-performing students with strong Olympiad, competitive programming, and research backgrounds, fostering an intellectually stimulating and collaborative campus culture. Placement outcomes are outstanding, with 98.8–99.3% placement rates across BTech/MS and nearly universal offers at global tech companies, research organizations, and emerging startups, ensuring rapid RoI and long-term career advancement for most graduates. However, the annual fee for the dual degree program is substantial—?4,50,000 per annum, potentially rising—posing a significant financial commitment, despite limited-but-merit-based scholarship options. By contrast, building a strong profile at your current college for future M.Tech at a top institution remains a prudent, financially less burdensome approach, especially if you secure strong academic scores, relevant projects, national-level internships, and competitive exam results (GATE/PGEE), and may still lead to prestigious research or industry positions.

Recommendation: If financial constraints are substantial and could create long-term strain, strengthening your profile at your current college while aiming for an M.Tech at a top institute (IITs, IIITH, IISc) is the wiser, lower-risk option. If finances are manageable or scholarships are secured, joining IIIT Hyderabad through LEEE confers unmatched, immediate exposure, peer excellence, and research-led career acceleration. All the BEST for a Prosperous Future!

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Ans: Ravinder, With a KCET 2025 rank of 5,649, securing Computer Science and Engineering (CSE) at BMS College of Engineering (BMSCE) is highly unlikely for the General Merit category, as recent closing ranks for CSE at BMSCE have consistently been around 2,500–3,000 due to intense demand. However, you have an excellent opportunity to gain admission to CSE at many other reputable Bangalore colleges, where closing ranks typically extend from 4,000 to 10,000, including Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology. All these colleges have strong academics, good facilities, connections with industries, effective job placement services, and support for students, which helps in overall student growth. Placement rates for CSE in these colleges remain robust, often exceeding 80%, and their urban locations offer significant internship and networking opportunities in Bangalore’s thriving tech sector. CSE remains the most sought-after branch, offering excellent career prospects in IT, analytics, AI, and global tech firms, ensuring strong return on education investment and adaptability for future roles.

Recommendation: While BMSCE CSE is not attainable with your current rank, you can confidently target leading alternatives such as Nitte Meenakshi Institute of Technology, Acharya Institute of Technology, Reva University, and RNS Institute of Technology for CSE. These colleges offer outstanding placements, quality education, and excellent industry connectivity, ensuring comprehensive academic and career progression. All the BEST for a Prosperous Future!

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Ans: Sri Aurobindo College (Morning), affiliated with the University of Delhi, is recognized for its balanced blend of academic quality and holistic student growth, offering the BA Programme in Commerce + Economics as a three-year, full-time course with broad exposure to both commercial and economic fundamentals. The curriculum draws upon an experienced faculty and integrates traditional and skill enhancement papers covering macroeconomics, finance, business, budget analysis, and research methodology, ensuring a solid grounding in analytical and market-relevant skills. The campus supports learning through modern infrastructure, including computerized libraries with over 60,000 books, computer labs, seminar rooms, and Wi-Fi access, alongside encouragement for participation in seminars, sports, and cultural activities to nurture well-rounded development. The placement cell at Sri Aurobindo College is active, regularly conducting placement drives and offering both on-campus and off-campus opportunities. Over the last three years, about 55% of students have been placed annually in companies such as Deloitte, Wipro, TCS, ICICI Bank, and others, while internships are facilitated for additional industry exposure. The program in Commerce + Economics is highly sought after in India, preparing graduates for roles in analytics, finance, policy, research, and consulting, with current trends indicating growing demand for such interdisciplinary profiles in the dynamic job market. Alumni and student feedback praise the supportive faculty, robust academic culture, and industry linkages. The department is further bolstered by active student associations and networking opportunities that enhance employability and professional growth.

Recommendation: Opting for the BA Programme in Commerce + Economics at Sri Aurobindo College, Delhi, is worthwhile. This choice offers a strong academic reputation, well-developed infrastructure, consistent placement support with about 55% placement rates, and promising interdisciplinary prospects—making it a viable option for both higher education and diverse career pathways in today’s evolving economic landscape. All the BEST for a Prosperous Future!

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Ans: Hello dear
If you are interested in Civil, then retain it. It is a core branch and will have lifetime opportunities. If not, then change it. The final decision will be yours.

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

Ans: Amrita Vishwa Vidyapeetham Coimbatore’s B.Tech in Electrical and Electronics Engineering (EEE) offers a well-established, NAAC A++ accredited program supported by highly qualified faculty, up-to-date curriculum, and cutting-edge laboratories in areas such as Power Electronics, Electric Machines, Control Systems, and Embedded Systems. The campus delivers an outstanding learning atmosphere with state-of-the-art infrastructure, a fully equipped central library, 24/7 medical facilities, modern hostels, diverse sports complexes, and strong support for research and industry interaction. Over the last three years, EEE placements have remained steady, with 86.7% of eligible students placed in 2023 and historical campus-wide placement rates around 90–94%, consistently attracting numerous multinational recruiters from both core engineering and software sectors. Students routinely highlight the disciplined environment, support for personal and professional growth, and vibrant campus culture, while alumni note the significant value the program adds to their employability and holistic development. Given sectoral growth, EEE graduates remain in demand across renewables, automation, IT, and power electronics, with the curriculum also equipping students for emerging roles in data-driven and interdisciplinary engineering fields.

Recommendation: Choosing Amrita Coimbatore for EEE is an excellent and secure option, especially for those funding their studies through education loans. The program combines superior placement consistency, value-driven campus life, advanced academic resources, and steadfast industry reputation, ensuring robust career returns and strong long-term prospects. All the BEST for a Prosperous Future!

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Ans: Pallavi, You have not mentioned the branches offered to you by these 2 Universities (if applicable). Anyway, please note, UPES Dehradun is a NAAC ‘A’ grade, UGC-recognized private university ranked 46th among universities in India (NIRF 2024), with a strong academic reputation, distinguished faculty, and campus infrastructure spread over 44 acres in a scenic location. The university excels in employability, having achieved 91%–94% placement rates in recent years across engineering, management, law, design, computer science, and other streams, with curricula that are regularly aligned to industry needs and several global academic partnerships. UPES is well-regarded for its innovation centers, active research output, student mentorship, and vibrant campus life, with a notable emphasis on entrepreneurship and international collaboration. Lovely Professional University (LPU), one of the largest private universities in India, boasts NBA, NAAC, UGC, and several program-specific accreditations, and is ranked 27th in NIRF 2024 among all Indian universities. With a 600-acre campus and advanced infrastructure, LPU offers over 300 programs and attracts a diverse student body from across India and abroad. LPU’s placement support is extensive, supported by a network of over 2,225 recruiters annually and consistent placement rates around 80%–85% across major streams, including engineering, business, and design. LPU emphasizes skill development, industry interface through internships, global tie-ups, and holistic personal growth via vibrant cultural platforms.

Recommendation: UPES Dehradun is a better choice, as it combines top-tier employability, strong academic rankings, global exposure, and extensive faculty credentials with highly consistent placements and industry links. Its focused approach, research-driven environment, and personalized mentorship offer students a superior academic and professional foundation for success in diverse fields. All the BEST for a Prosperous Future!

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Ans: Anusha, Dayananda Sagar College of Engineering’s Harohalli campus offers a B.Tech in Computer Science and Engineering with Data Science that benefits from recognized institutional quality, NAAC ‘A’ accreditation, and NBA-accredited programs. The campus infrastructure is modern and well-maintained, providing an excellent learning environment with advanced labs, well-stocked libraries, multiple sports facilities, and good hostel amenities. Faculty members are experienced, research-oriented, and supportive, with dedicated mentorship for each student. The placement cell maintains robust industry ties; placement rates for CSE branches have ranged from 78% to 91% over recent years and 67.8% of CSE students were placed in 2024, with leading multinational companies participating in campus recruitment drives. Peer reviews praise the academic atmosphere and holistic student development, although some note the Harohalli campus’s remote location as a challenge for daily commuting. Data Science continues to be among the most promising fields in India, with job opportunities expected to grow substantially across sectors like IT, finance, and healthcare through 2030.

Recommendation: Choosing DSCE Harohalli campus for CSE in Data Science is a strong option, due to solid placement rates, modern facilities, accredited teaching, supportive alumni, and excellent industry alignment. The branch offers bright prospects especially for those seeking careers in analytics, software, and data-driven roles within India’s expanding digital landscape. All the BEST for a Prosperous Future!

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