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Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Gangadharan Question by Gangadharan on Apr 20, 2024Hindi
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I am investing rs.5000 every month in five different sip plan. can you explain me how the amount grows?

Ans: Let's break down how your investment of ?5,000 per month in five different SIP plans grows over time.
SIP, or Systematic Investment Plan, is a method of investing a fixed amount regularly in mutual funds. When you invest ?5,000 every month in SIPs, you're purchasing units of mutual fund schemes at the prevailing Net Asset Value (NAV).
Here's how your investment grows:
1. Regular Contributions: Every month, you invest ?5,000 in each SIP plan, totaling ?25,000 per month across all five plans.
2. NAV Fluctuations: The NAV of mutual fund schemes fluctuates daily based on market conditions and the performance of underlying assets. When you invest, you buy units at the NAV prevailing on the investment date.
3. Compounding: Over time, your investments benefit from the power of compounding. As your investment grows, the returns generated also earn returns, leading to exponential growth over the long term.
4. Market Performance: The growth of your investment is influenced by the performance of the underlying assets in each SIP plan. If the market performs well, the value of your investment increases, and vice versa.
5. Diversification: By investing in five different SIP plans, you spread your risk across multiple asset classes and fund managers, enhancing diversification and potentially reducing overall risk.
6. Time Horizon: The longer you stay invested, the more time your investment has to grow. Investing systematically over the long term allows you to ride out market volatility and benefit from the power of compounding.
It's essential to review the performance of your SIP plans periodically and make adjustments if needed to ensure they remain aligned with your financial goals and risk tolerance. Consulting with a Certified Financial Planner can provide personalized guidance on optimizing your SIP investments for wealth accumulation.
By staying disciplined in your investments and focusing on long-term growth, you can build wealth steadily over time through SIPs.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
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  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - May 09, 2024Hindi
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Hi sir i am investing in sip for 7000,ppf 5000,nps 2500,pf 3000 per month i am 32 yrs planning to retire in 65 years .how much i will get after 65
Ans: It's excellent that you're taking proactive steps towards securing your financial future at such a young age. By investing regularly in SIP, PPF, NPS, and PF, you're building a strong foundation for your retirement.

Regularly investing in SIPs allows you to benefit from the power of compounding over time, potentially leading to significant growth in your investments. PPF provides a secure and tax-efficient way to save, and NPS and PF contributions help you build a retirement corpus while also enjoying tax benefits.

However, the exact amount you'll receive at retirement depends on various factors like the rate of return on your investments, inflation, and any changes in government policies. It's essential to review your investment strategy regularly and make adjustments as needed to stay on track towards your retirement goals.

Consider consulting with a Certified Financial Planner (CFP) to develop a comprehensive retirement plan tailored to your needs and aspirations. A CFP can help you estimate your future retirement corpus based on your current investments and make recommendations to optimize your portfolio for long-term growth.

Remember, starting early and staying disciplined with your investments are key to achieving your retirement goals. Keep up the good work, and continue investing regularly to build a secure financial future for yourself.

Best Regards,
K.Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 23, 2024

Asked by Anonymous - Oct 23, 2024Hindi
Money
My age is 54. I have 4 SIPs now and invest Rs 1000 in each SIP, i.e., total 4000 per month. How much can I expect to warn after 5 years?
Ans: You are currently investing Rs. 4,000 per month across four SIPs. SIPs (Systematic Investment Plans) are a great way to invest regularly without timing the market. Over time, they tend to smoothen the market volatility, and the longer you stay invested, the better your returns can be. Since your investment horizon is five years, it's important to set the right expectations regarding how much you can earn and the growth potential.

Expected Returns After 5 Years
When investing in mutual funds, the returns you get depend on various factors. The type of funds, market conditions, and even the fund manager's expertise play a role. For your investment, let’s assume a moderate annual return of 10% to 12%, which is typical for well-managed equity mutual funds. Over five years, with Rs. 4,000 per month, your investment could grow into a substantial amount.

Let’s break this down:

You are contributing Rs. 48,000 each year (Rs. 4,000 x 12 months).

Over five years, your total contribution will be Rs. 2,40,000.

With compounding and assuming a 10%-12% return, the value of your investment could increase significantly.

Though these returns are not guaranteed, the longer-term market averages suggest this is a reasonable expectation for equity-oriented SIPs.

Impact of Market Conditions
The market fluctuates due to various reasons. Over a shorter period like five years, equity markets can sometimes experience volatility. But remember, SIPs help in averaging out the cost by buying more units when the market is low and fewer when the market is high. This rupee-cost averaging helps in reducing risks associated with market timing.

You can expect fluctuations, but patience is key.

The Power of Compounding
The longer you stay invested, the more you benefit from compounding. Compounding is like earning interest on your interest. While five years is not a very long period, the effect of compounding will still be noticeable. Your SIPs will accumulate returns, and the longer they stay invested, the more these returns compound. This makes mutual fund investments through SIPs an efficient way to grow wealth over time.

Importance of Diversification
You have diversified your investments across four different SIPs, which is commendable. Diversification reduces risk as it spreads your investments across different sectors or fund categories.

However, it is important to make sure that the funds you have selected complement each other. Too much overlap in the types of funds could reduce the benefits of diversification. If you're unsure about this, it might be a good idea to consult a Certified Financial Planner (CFP) who can guide you in balancing your portfolio.

Active Funds vs Index Funds
It’s crucial to understand the distinction between actively managed funds and index funds. Actively managed funds have a fund manager who makes investment decisions to outperform the market. These funds can generate higher returns if managed well, though they come with slightly higher fees.

On the other hand, index funds simply track a market index like the Nifty or Sensex. While index funds have lower fees, they are passive and might underperform in volatile markets because they don’t try to beat the market.

For someone with a five-year horizon like you, actively managed funds might offer better returns. They provide more flexibility in adjusting to market conditions, and their historical performance often justifies the slightly higher cost.

Direct vs Regular Funds
If you're investing in direct mutual funds, they might seem attractive because of lower expense ratios. However, direct funds come without the guidance of a Certified Financial Planner or a mutual fund distributor (MFD). This means you are left to manage your portfolio, select funds, and monitor performance by yourself.

In contrast, regular funds come with the expertise of a CFP or MFD who ensures your portfolio is optimized. While the expense ratios are slightly higher, the value added by expert advice can often lead to better returns. So, if you feel uncertain about handling your investments, consider switching to regular funds to get personalized support.

Taxation of Mutual Funds
It’s important to factor in the tax implications of your mutual fund investments. The new mutual fund capital gains taxation rules are as follows:

For equity mutual funds, long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

For debt mutual funds, both LTCG and STCG are taxed as per your income tax slab.

Since your horizon is five years, the equity investments will likely fall under the long-term category, and you should plan for any tax liabilities accordingly.

This tax burden can impact your final returns, so it’s wise to keep a portion of your gains aside to manage tax payments.

Review Your Investment Strategy
Since you are in the pre-retirement phase, reviewing your risk tolerance is important. While equity investments tend to offer higher returns, they come with higher risk. If you are comfortable with the volatility for the next five years, continuing with equity-oriented SIPs makes sense.

But, if you're looking for more stable returns, consider increasing your allocation to hybrid funds or conservative equity funds that balance risk and reward.

Emergency Fund Considerations
As you approach retirement, you should ensure that you have an emergency fund in place. This fund should cover at least 6-12 months of living expenses. Having this reserve ensures that you won’t need to dip into your investments in case of an emergency.

Your SIP investments should remain untouched for wealth creation, and having liquid funds separately will give you peace of mind.

Monitor Your Progress
Over the next five years, it's essential to monitor your SIPs periodically. While SIPs are designed to be long-term investments, keeping an eye on their performance ensures they are on track. You don’t need to check daily, but a review every 6-12 months will help you see if the funds are performing as expected.

Final Insights
You are on a good path with your SIPs. A steady Rs. 4,000 monthly investment is likely to yield good returns over the next five years, assuming moderate market growth.

However, consider revisiting your overall financial plan. Ensure that your investments align with your goals and risk appetite. You might want to increase your SIP amount or diversify further, depending on your future needs and retirement plans.

Keep in mind that actively managed funds, when chosen wisely, can offer better growth prospects than index funds. And while direct mutual funds seem cheaper, the expertise of a CFP can bring long-term value that outweighs the higher fees of regular funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - May 29, 2025Hindi
Money
Hello sir, I am Anup. I have mutual fund investments of worth 10 lacs. UTI Nifty 50 Index fund 191000. Nippon Midcap 150 Index fund 422000. Nippon Smallcap 250 Index fund 422000. My monthly SIP is 25000. Currently i dont have any debts. How will this investment grows over next 10 years with continuing the 25K SIP
Ans: It reflects your interest in wealth building. Your current SIP and mutual fund strategy shows consistency and discipline.

Let’s now assess your current investments and how they may grow over 10 years. I will also highlight important gaps, areas to improve, and practical suggestions.

Let us explore in detail from a 360-degree view.



?Present Portfolio Composition – Good Start But Needs Restructuring

Your total mutual fund value is Rs. 10 lakhs. That is a solid base.



You have split across three passive index funds. This includes large cap, mid cap, and small cap.



Your SIP of Rs. 25,000 every month shows strong investing habit. That’s excellent.



But your entire portfolio is in index funds. This has risks.



Index funds have some known disadvantages. We will discuss this in the next section.



?Key Disadvantages of Index Funds – Need Better Strategy

Index funds do not protect downside. They fall as much as the market falls.



There is no risk control or flexibility. Fund manager can’t avoid weak stocks.



Passive funds follow market blindly. There is no research or human intelligence involved.



Some sectors in index may be overvalued. But passive funds still invest in them.



They do not outperform in sideways or falling markets.



In long-term investing, downside protection is as important as upside potential.



Without active management, your portfolio lacks shock absorbers.



?Why Actively Managed Funds Are Better – Especially for 10-Year Goals

Actively managed funds use research and data. Fund managers take informed decisions.



They adjust exposure across sectors and stocks based on valuation.



They manage risks during corrections. That helps reduce deep losses.



Good fund managers deliver consistent performance across market cycles.



Their portfolios are flexible and dynamic. That is helpful in uncertain times.



For long-term wealth building, active funds provide better diversification and balance.



You should prefer actively managed funds through a Certified Financial Planner.



?Return Potential Over 10 Years – Expectation vs Reality

Market return is never uniform. Past returns do not repeat in the same way.



Index funds may give average returns. But that’s not enough for wealth creation.



Small cap and mid cap indices are more volatile. They may fall harder during crashes.



SIP in smallcap/midcap index funds may show poor returns in sideways markets.



With current allocation, your 10-year CAGR may remain moderate.



For better results, your portfolio must include actively managed multicap and flexicap funds.



?SIP of Rs. 25,000 – Good But Needs Diversification

Your Rs. 25,000 monthly SIP is impressive. That shows dedication.



However, SIP across only index-based mid and small caps can be risky.



These categories are volatile. Recovery may take many years after a crash.



You must spread your SIP into multiple fund categories with varied styles.



Ideal mix includes largecap, multicap, flexicap, and hybrid funds.



Invest through regular plans via MFD who is a Certified Financial Planner.



?Disadvantages of Direct Plans – Why Regular Plans Are Safer

Direct plans are cheaper. But they don’t offer guidance or support.



Without expert review, wrong fund choice may reduce returns.



Portfolio rebalancing is difficult in direct route.



Emotional mistakes like stopping SIPs in falling market are common in direct mode.



Regular plans offer personal guidance. They ensure asset allocation is proper.



A certified planner monitors performance and rebalances based on goals.



This human help is critical for long-term success. Value of advice is greater than cost.



?Debt Allocation – Very Important for Portfolio Safety

Right now, you have zero debt allocation. That is risky.



Equity-only portfolios are volatile. No cushion during crisis.



You must add 15–20% allocation to high-quality debt mutual funds.



Balanced portfolios give better stability and smoother growth.



Rebalancing equity and debt once a year improves long-term outcome.



?Goal Planning – You Need to Link Investments to Purpose

You haven’t shared any goals like retirement or children’s needs.



Every investment must be tied to a goal. That brings clarity and commitment.



Create goal-wise SIP plans. Retirement, house purchase, or children’s education.



Track each goal’s progress every year. Adjust investments accordingly.



That ensures financial success with direction and peace of mind.



?Taxation on Mutual Funds – Understand New Rules

New tax rules apply from FY2024-25 onwards.



For equity mutual funds:



  - LTCG above Rs. 1.25 lakh is taxed at 12.5%.

  

  - STCG is taxed at 20%.



For debt mutual funds:

  

  - Both LTCG and STCG taxed as per your slab rate.



Keep tax planning in mind while redeeming mutual funds.



A CFP can guide you to plan withdrawals tax-efficiently.



?Action Plan – What Should You Do Now?

Stop fresh SIPs in index funds immediately.



Do not redeem current holdings in a hurry. Let them grow for now.



Start SIPs in 3–4 actively managed funds. Use different categories.



Shift to regular plans. Invest through a trusted MFD who is a Certified Financial Planner.



Review your portfolio every year. Rebalance between equity and debt.



Add Rs. 1.5 to 2 lakhs in debt funds to start asset allocation.



If possible, gradually shift from index funds to active funds over 2–3 years.



?Additional Steps for 360-Degree Financial Wellness

Create emergency fund. At least 6 months’ expenses in liquid fund or FD.



Buy pure term life cover if dependents exist. Do not mix insurance with investment.



Get health insurance separately for self and family. Use it only for major needs.



Create a basic Will. Keep nominations updated across all investments.



Track your net worth and review every 6 months.



Learn basic finance. But don’t manage complex things alone.



?Professional Help – Not a Luxury, But a Necessity

Personalised investment requires continuous monitoring and changes.



DIY investing may save cost. But poor returns cost more over time.



A Certified Financial Planner helps you plan, protect and grow wealth.



They guide you to align investments with life goals.



You remain focused and disciplined throughout your journey.



Real success is not just returns. It is peace, progress, and financial independence.



Finally

Your SIP journey has started well. But needs strategic correction. Over-dependence on index funds is risky. Passive funds don’t give consistent results. For better growth and stability, actively managed funds are essential. Create goal-based portfolios with proper asset allocation.

Always seek professional guidance from a Certified Financial Planner. That brings structure, safety and strong returns.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

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Sir I might get ECE at NIT Durgapur via CSAB, and have already got CSE at IIEST Shibpur... considering which one will be better?? does NIT Durgapur's reputation anyhow help in getting better placements than Shibpur?
Ans: NIT Durgapur’s ECE branch recorded a placement rate of nearly 65% in 2024, with around 17% higher average salaries compared to most other engineering departments at the institute and key recruiters spanning both core and software sectors. However, IIEST Shibpur’s CSE branch consistently secures higher placement rates—over 83% in recent years—backed by an excellent academic reputation, prominent national rankings, advanced research facilities, and consistently strong industry presence from top IT and consulting firms. Nationally, IIEST Shibpur is ranked higher than NIT Durgapur and stands out for its historic legacy, modernized infrastructure, and superior research output, attracting a vibrant peer group and leading to strong outcomes both for direct placements and future studies. IIEST’s holistic environment and the ever-increasing demand for computer science skills further enhance long-term flexibility and career prospects compared to an ECE degree from NIT Durgapur.

Recommendation: CSE at IIEST Shibpur is the better choice, providing higher placement rates, superior national ranking, cutting-edge curriculum, broader job profiles, and greater growth opportunities. Unless your exclusive interest is ECE, IIEST Shibpur’s CSE offers a more secure and rewarding pathway for academic and career advancement. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
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Pes electronic city cse and bms aiml which is better
Ans: Based on the following insights/information and your interest/long-term goals, choose the more suitable option for you: PES University’s Electronic City campus for CSE and BMS College’s AI & ML branch both enjoy strong academic reputations, but there are notable distinctions. PES Electronic City CSE offers modern infrastructure, updated curriculum, and active placements backed by the same centralized process as the renowned RR Banashankari campus, resulting in 80–90% placement rates for CSE and parallel recruiter participation. However, the RR campus holds a marginal edge in infrastructure quality, faculty depth, peer group, club activities, and alumni networking, leading to a more vibrant environment and slightly superior exposure. Electronic City’s CSE students nevertheless secure nearly identical placement opportunities and compensation as those at RR, with consistent recruiter overlap and strong industry demand. BMS AI & ML has achieved a commendable 85.7% placement rate in 2025, with rapid growth in industry partnerships and career support, but the scale, brand strength, and campus-wide opportunities still trail PES’s system. All programs are strong on teaching quality, industry connectivity, campus life, and placement preparation, yet RR campus remains the gold standard among aspirants. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

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I am getting ETC in IIEST shibpur , CRL 54472 Obc ncl - 16199. Please suggest if there is any better option in csab.
Ans: With a CRL rank of 54,472 and OBC-NCL rank of 16,199, being allotted Electronics and Telecommunication Engineering (ETC) at IIEST Shibpur is a solid achievement, as the institute’s OBC-NCL closing ranks for this branch often hover around this level. At these ranks, there is virtually no chance of securing a higher-demand branch, such as CSE or IT, in the NIT or IIIT system through CSAB, as recent cutoffs show cutoffs for CSE/IT in OBC-NCL tend to close much earlier in the top and mid-tier NITs and IIITs. The CSAB counselling process does leave room for ECE or allied branches in some newer NITs or GFTIs, but these generally do not surpass IIEST’s academic reputation, infrastructure, or placement records. IIEST Shibpur’s ETC department provides a strong faculty base, updated curriculum, and consistent placement opportunities, with campus-wide placement rates in recent years consistently above 80%, and major recruiters in telecom, IT, and electronics sectors participating actively. The campus offers robust research output, strong student support services, modern labs, and a vibrant peer community, which collectively foster sound technical and holistic development.

Recommendation: Accepting ETC at IIEST Shibpur is the optimal option at your present ranks, since CSAB is unlikely to yield a “better” branch or institute given category cutoffs. The program ensures excellent academic grounding, a reputable degree, and broad career prospects, making it a wise and pragmatic choice for your engineering journey. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Career
I got 5649 rank in kcet 2025 can I get bmsce cse
Ans: 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 institutions possess the essential characteristics of academic rigor, modern infrastructure, industry engagement, strong placement cells, and active student support services, ensuring holistic student development. 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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Career Counsellor - Answered on Jul 27, 2025

Career
Hello sir I have got enc in thapar and ai in ymca faridabad and ai in ipu which one is better for better placements
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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Career Counsellor - Answered on Jul 27, 2025

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SIR MY DAUGHTER ALLOTED. ECE. IN LNMIIT JAIPUR AND. C. E. IN THAPAR. PATIALA WHICH IS BETTER
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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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
"Should I take the leap and join IIIT Hyderabad through LEEE for better exposure, cutting-edge opportunities, and a prestigious peer group despite the high fees and financial burden, or should I continue in my current college where I can still engage in clubs, projects, and build a strong profile for pursuing M.Tech at a top institute later without the financial strain?"
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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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Career
Hi Sir, I have completed my graduation in Mechanical Engineering,I attempted GATE 2025 in CS paper and qualified. I participated in CCMT counselling and secured seat in IIITDM kurnool in AI&DA specialization.What is placement scenario there for Mtech,Should I consider this CoLlage as non CS graduate.
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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Nayagam P

Nayagam P P  |9484 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Is Sri Aurobindo college delhi worth it for BA programme in Commerce + Economics
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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