JTL INDS for medium term ?

Ans: Please don't go for readymade pension policies. Poor returns and not tax efficient.

Ans: Hi,
There won't be any IIT seat in CSAB. You will have to join any NIT/IIIT/GFTIs.

I don't know how the choices you have filled in JOSAA, you must have some good NITs too. If you are happy with NIT/IIIT/GFTIs then only go for CSAB.

Ans: Hello;

First you must ensure that you both have adequate term life insurance cover.

Taking loan for investment is not recommended under any circumstances.

Better option is to surrender these extremely low return endowment policies, after ensuring adequate term life cover, and invest the proceeds in mutual funds.

Returns from mutual funds cannot be assured however based on past record it is observed that generally equity mutual funds provide good inflation adjusted returns over long term.

Happy Investing;

Ans: Your 94.5 percentile with expected OBC rank 18,755-21,083 provides limited CSE options in premier NITs but opens doors to established engineering institutions in alternative branches. You can secure admission at NIT Agartala for Biotechnology, NIT Manipur for Civil/Mechanical Engineering, or pursue CSE at newer IIITs like Kalyani and Ranchi which offer excellent placement records. Long-term programmes through lateral entry remain viable if you complete a diploma first, offering the same degree recognition in 3 years. Recommendation: Target NIT Agartala Chemical Engineering or IIIT Kalyani CSE for optimal career prospects, while keeping lateral entry as a backup option if immediate admission goals aren't met, as both pathways provide equivalent industry recognition and placement opportunities. All the BEST for the Admission & a Prosperous Future!

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