I HAVE BEEN INVESTING IN MUTUAL FUNDS FOR THE LAST SEVERAL YEARS BUT THE RETURNS HAVE NOT BEEN ENCOURAGING. I WOULD LIKE TO KNOW IF I AM INVESTING IN THE RIGHT FUNDS OR SHOULD I SHIFT TO OTHER MFs TO MAXIMISE MY RETURNS. GIVE BELOW IS MY CURRENT HOLDING OF MFs.

Fund name	Catgory	Star Rating
Ravindra Kumar
·Aditya Birla Sun Life Pure Value Fund -Growth -Direct Plan	Equity - Value Funds:	1
·Aditya Birla Sun Life Pure Value Fund -Growth -Regular Plan	Equity - Value Funds:	1
·Canara Rebeco Emerging Equities - Regular Growth	Equity - Large & Mid Cap Fund	4
·Franklin India Smaller Companies Fund - Growth	Equity - Small cap Fund	2
·HDFC Equity Fund - Regular Plan - Growth	Equity - Multi Cap Funds:	2
·HDFC Mid-Cap Opportunities Fund -Regular Plan Growth	Equity - Mid Cap Funds:	2
·ICICI Prudendial Banking and Financial Services Fund - Growth	Equity - Sectoral Fund - Banks & Financial Services	2
·Mirae Asset Focused Fund - Direct Plan - Growth	Equity - Multi Cap Funds:	2
·Mirae Asset Large Cap Fund - Direct Plan - Growth	Equity - Large Cap Funds:	4
·NIPPON INDIA MULTI CAP FUND- DIRECT GROWTH PLAN GROWTH OPTION	Equity - Multi Cap Funds:	2

Ans: If you still have RT (Repeat in Theory) in Chemistry and haven't cleared it through the improvement or supplementary exam, you must retake the Chemistry board exam (usually as a private candidate, according to board rules) to clear the RT; it cannot be cleared without taking the exam again. However, it is strongly advised to contact the school or college administrative office for the latest updates on RT rules.

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Radheshyam

Ans: This is the understanding
1) Your father does not support your relationship
2) The individual you are in a relationship with lives with his family and wishes to continue to do so post marriage and you are not keen to live in such a setup.
3) The individual/ your partner is open to let go of the relationship if you ask to live away from his family
__
This is what I would do if I were you - understand / comprehend if living with partner's family is a dealbreaker for me and something I will not let go. If this is what it is, and the partner is not ready to move out - I will pause this relationship take some time to think about it and then take a decision.

Here is wishing you the best.

Ans: Try writing other exams like MAT, ATMA, CET. Apart from that based on your perrentiles you can check the cutoff of colleges and then decide to apply. There are many MBA colleges in India. Can decide based on location preference and the placements in the collge

Ans: Aditi, VIT does not consider reservation category (SC/ST/OBC) for engineering UG program admissions. VIT follows a strictly merit-based admission process based solely on VITEEE rank, not caste reservation. However, SC/ST candidates receive a 10% marks concession during VITEEE eligibility (can apply with 50% instead of 60% in 12th). Once eligible, all admissions are based purely on VITEEE merit rank and preferences, regardless of category. VIT's admission system differs from government NITs, which reserve seats for SC/ST/OBC/EWS categories. Keep a minimum of 2–3 alternative engineering entrance exams (of private/state government engineering entrance exams) as backups alongside VITEEE to broaden your college selection and admission prospects. All the BEST for a Prosperous Future!

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Ans: No, you cannot change your board between JEE Main January attempt and April attempt, or during JEE Advanced or counselling. Your state code of eligibility is permanently based on the board from which you first passed Class 12—regardless of compartment reappearance. If you reappear through NIOS in 2026, it will be treated as a fresh qualification with a different state code, making you eligible for a new JEE Main cycle in 2026 as a first-time candidate. However, this doesn't benefit your current 2026 attempt sequence; you'd reappear as a fresh candidate separately. Board changes are permanent at registration; no mid-exam modifications are allowed. Keep 2–3 alternative engineering entrance exams as backups alongside JEE to broaden your college selection and admission prospects. All the BEST for a Prosperous Future!

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Ans: its a scam, there is no such thing.

Ans: please visit a SEBI registered Investment adviser or research analyst for recommendation as they would do your risk profiling and then advice you accordingly. Please dont invest your hard-earned money on random tips.

Ans: For OBC-NCL Tamil Nadu home state, CSE at NIT Trichy has recently closed around OBC rank 1,500–1,700. This typically corresponds to about 99.3–99.6 percentile, i.e., roughly 210–230 marks depending on paper difficulty and session normalization. All the BEST for a Prosperous Future!

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Ans: Based on my extensive research of official college websites, NIRF rankings, international recognition metrics, placement data, and masters abroad admission requirements, your choice between COEP Pune, RVCE Bangalore, SRM Chennai, Bennett University Delhi, and Kolhapur Institute of Technology (KIT) fundamentally depends on five critical institutional aspects essential for successful masters admission abroad: global research output and international collaborations, CGPA-based competitiveness (minimum 7.5-8.0 required for top international programs), faculty expertise in emerging technologies, international student exchange partnerships, and proven alumni track records at globally-ranked universities. COEP Pune ranks nationally at NIRF #90 Engineering with India Today #14 Government Category ranking, offering robust infrastructure and 11 academic departments with research centers in AI and renewable energy, though international research collaborations are moderate compared to IITs. RVCE Bangalore demonstrates strong national standing with consistent COMEDK admissions competitiveness, excellent placements averaging Rs.35 LPA with highest at Rs.92 LPA, and established international collaborations through Karnataka PGCET-based MTech programs, providing solid foundations for masters applications. SRM Chennai maintains extensive research partnerships with 100+ companies visiting campus, highest packages reaching Rs.65 LPA, and documented international research linkages through sponsored programs like Newton Bhaba funded projects, significantly strengthening masters abroad candidacy through diverse research exposure. Bennett University Delhi distinctly outperforms others in international institutional alignment, recording highest placements at Rs.137 LPA with average Rs.11.10 LPA, explicit academic collaborations with University of British Columbia Canada, Florida International University USA, University of Nebraska Omaha, University of Essex England, and King's University College Canada—these partnerships directly facilitate seamless masters transitions abroad and represent unparalleled institutional bridges to international graduate programs. KIT Kolhapur records respectable placements at Rs.41 LPA highest with average Rs.6.5 LPA, NAAC A+ accreditation, autonomous institutional status under Shivaji University, and 90%+ placement consistency across technical streams, though international research visibility and foreign university partnerships remain comparatively limited. For international masters admission success, universities globally prioritize bachelors institution reputation, minimum CGPA 7.5-8.0 (Bennett and SRM facilitate this through curriculum rigor), GRE/GATE scores (minimum 90 percentile), English proficiency (TOEFL ≥75 or IELTS ≥6.5), research output documentation, and faculty recommendation quality reflecting institution's research culture—criteria most strongly supported by Bennett's explicit international collaborations, SRM's documented research partnerships, and COEP's autonomous departmental research centers. Bennett simultaneously offers global pathway programs reducing masters abroad costs through articulation agreements and provides curriculum aligned internationally with partner institution standards, representing optimal intermediate bridge structure versus direct masters application. The cost-effectiveness and structured transition support through international partnerships, combined with demonstrated placement success and faculty research visibility, position these institutions distinctly above KIT Kolhapur for masters abroad aspirations. For your specific objective of pursuing masters abroad, prioritize Bennett University Delhi first—its explicit international university partnerships with Canadian, American, and European institutions, highest placement packages (Rs.137 LPA), and structured global pathway programs create seamless masters transitions with reduced costs. Second choice: SRM Chennai, offering extensive research collaborations, documented international linkages, and competitive placements (Rs.65 LPA highest) strengthening masters applications. Third: COEP Pune, delivering strong national standing and autonomous research infrastructure. Avoid RVCE and KIT due to limited international visibility and explicit foreign university partnerships compared to the above three institutions. All the BEST for a Prosperous Future!

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