Hi Jinal, We both partner are 40 year old. These days after having second child (9 month old), I am bit worried about my both sons (Elder one 10 year) future. We couple currently earning 3.5 Lack per month together (In hand). I am investing 15 thousand in LIC SIIP (Last two year), 25 thousand in SIP (SBI, Last two year), and nearly 20 thousand in LIC per month (Last 10 years). I do invest 1.5 Lacks in PPF every year (Last 13 year). With all this investment can i reach a core plus of 60 Lac (For younger one education) by 2030 and another 1 Cr (For Elder one education and marriage) by 2040. I don't have to plan our retirement as we both are government employee and automatically investing in NPS as per government rules (Current value of NPS is 80 Lack combined). Is this investment is sufficient or i have to increase further for our sons education. One more thing I do investment in gold also (Physical) approximately 3 Lack per year from last 2 years.

Ans: Hello Nawal
CS in NITs is possible only in Raipur that too in CSAB. You can get very good choices in IIITs.
I can assist you through the complete admission process.
You can DM me through insta handle CAREERSTREETS for further queries I will help you out.

Ans: Hello Amit Ji
if you can specify your state then i can guide accordingly for NITs. You can get good IIITs like sricity, trichy, vadodra, surat, pune, nagpur etc

Ans: At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

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At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

For your son's rank, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

You can try for IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds. IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus. IIIT Nagpur – ECE/EE-related branches possible; CSE tougher. IIIT Bhopal – CSE tough but ECE/IT-related options possible. You can also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Have the following backups: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag. ALL the BEST for Your Son's Prosperous Future!

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Ans: You have not mentioned your son's home state. Given his rank, securing a CSE seat in NITs may be challenging, but admission to ECE in some NITs and CSE/IT/ECE in several IIITs is more realistic, especially during the later JoSAA and CSAB rounds. Consider applying to IIIT Una, IIIT Kottayam, IIIT Dharwad, IIIT Kalyani, IIIT Bhagalpur, IIIT Raichur, IIIT Manipur, and IIIT Agartala. For ECE, newer and mid-tier NITs and IIITs are good options. The CSAB special rounds are crucial as they fill vacant seats after JoSAA. It is also important for your son to have backup options through GFTIs, state counseling, and reputable private CSE colleges. ALL the BEST for Your Son's Prosperous Future!

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Ans: Please mention your Home State, Gender, and Category to answer precisely. Also, clarify what other Entrance Exams you have appeared for/yet to appear.

Ans: Admission to top NITS/IIITs seems unlikely. You can try lower-ranked govt colleges/IIITs or state colleges for CSE, or consider other branches in NITs via CSAB.

Good luck.
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Radheshyam

Ans: You have not mentioned your daughter's home state. Anyway, please note, with an 89.28 percentile as an EWS female candidate, the chances of securing a CSE seat in top NITs or IIITs are low. However, she may have opportunities in lower-ranked branches at newer NITs, some IIITs, and GFTIs, with better prospects during the CSAB special rounds. You can consider applying to IIIT Kurnool, IIIT Manipur, IIIT Dharwad, IIIT Raichur, IIIT Bhagalpur, IIIT Kalyani, and various GFTIs. While CSE and ECE seats may be challenging to obtain, other branches might become available in later rounds or through CSAB. It is advisable to also explore backup options through state counseling and reputable private universities. ALL the BEST for Your Daughter's Prosperous Future!

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Ans: You can try PEC Chandigarh through JAC Chandigarh separately, not JoSAA. Through JoSAA/CSAB, fill IIIT Una, IIIT Sonepat, IIIT Kalyani, IIIT Bhagalpur, IIIT Manipur, IIIT Raichur, IIIT Dharwad, but CSE/ECE may mostly depend on CSAB vacancy movement. You must have backup options of JAC Chandigarh, HSTES Haryana, Punjab colleges, IPU Delhi, Private Universities, and State counselling. Prioritise branch interest + placement record, not only institute tag. ALL the BEST for Your Daughter's Prosperous Future!

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Ans: Chances with South NITs are slim. You may try for lower branches in lower NITs. Yet the chances are on the borderline. Better to keep an alternative option open.

Good luck.
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Radheshyam