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Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2025

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
Asked by Anonymous - Jun 29, 2025Hindi
Money

I have a LAP with my bank. With a limit of 1.00 cr Current utilized amount is 52 lakh. My building is planning to go under redevelopment. I only have LAP as a debt Demat as current value 30- lakh (invested amount is 20 lakh) as a 3+ years long term vission. We are 40 years and 42 years (my wife and I) I have inheritance property worth 75 lakh We want to retire by 55 years Have a medical insurance of 20 lakh (my wife and I) Insurance as 85k p.a.(Axis max) Total Business revenue as 85 lakh p.a. (profit margin upto 10%) Need your guidance.

Ans: ? Current Financial Status Evaluation

Your business earns Rs 85 lakh yearly with 10% margin.

Personal income is around Rs 8.5 lakh yearly before taxes.

You have a LAP of Rs 1 crore with Rs 52 lakh used.

Your demat holdings are Rs 30 lakh with 3+ years horizon.

You also have an inheritance property worth Rs 75 lakh.

Medical insurance for Rs 20 lakh is good coverage.

Life insurance of Rs 85,000 yearly (Axis Max) is an added protection.

? Immediate Focus Areas

Retirement is 13 to 15 years away.

Clear LAP debt steadily.

Build financial independence separate from the inherited property.

Plan for a stable cash flow after retirement.

Protect business income till retirement.

? LAP Debt Management

LAP interest rates are higher than home loans.

Prioritise closing LAP faster to avoid interest drain.

Repay in small chunks from business profits.

Don’t keep LAP balance above Rs 20 lakh after 3 years.

Avoid using inheritance property to close LAP now.

? Business Cash Flow Management

Current profit is about Rs 70,000 monthly.

Work on improving profit margins in the next 5 years.

Aim for 15% net profit over time.

Maintain a business emergency fund of Rs 3 lakh to 6 lakh.

Protect business with adequate general insurance and professional liability cover.

? Demat Portfolio Assessment

Demat portfolio grew from Rs 20 lakh to Rs 30 lakh in 3 years.

This is healthy growth.

Keep this portfolio for long-term retirement corpus.

Don’t redeem for LAP repayment unless urgent.

Focus on actively managed funds, not index funds.

Index funds give average market return without professional judgement.

Active funds managed by experts can outperform markets in long run.

? Retirement Corpus Requirement

You plan to retire at 55.

Assuming Rs 1.5 lakh monthly expenses (inflation adjusted),

You need a corpus of around Rs 2.5 crore to Rs 3 crore.

This should generate income for 25+ years post retirement.

? Asset Allocation Recommendation

Equity mutual funds: 60% for growth.

Debt mutual funds and liquid funds: 30% for stability.

Gold, if any, keep less than 5%.

FD and cash: 5% for liquidity.

Rebalance your allocation every year.

Increase debt allocation gradually 3 to 5 years before retirement.

? Insurance Review

Medical cover of Rs 20 lakh is okay for now.

After retirement, increase it to Rs 25 lakh.

Axis Max life insurance of Rs 85,000 yearly is expensive.

Re-evaluate the need for this cover.

If it is an investment-cum-insurance policy, surrender it.

Reinvest surrender value into mutual funds.

Buy a pure term insurance for 15 years covering Rs 1 crore.

? Suggested Monthly Investments

Start SIP of at least Rs 40,000 monthly now.

Increase it by 10% yearly.

Once LAP is reduced, increase SIP to Rs 60,000 monthly.

Don’t invest in annuities. They give poor returns.

Don’t invest in direct funds.

Direct funds don’t offer personalised review or guidance.

Invest in regular funds through an MFD with CFP credential.

? Managing Redevelopment

Redevelopment of your building will improve property value.

Don’t consider new real estate purchases for investment.

Keep the redeveloped house for personal stay.

Don’t tie up capital in new property purchases.

? Emergency Fund and Safety Net

Maintain Rs 5 lakh in liquid funds as emergency fund.

Don’t park this in FD. Liquid funds give better liquidity.

? Passive Income Strategy Post Retirement

Build a corpus that generates Rs 1.5 lakh monthly.

Withdraw using SWP from mutual funds.

Withdraw cautiously to protect principal.

Equity fund gains above Rs 1.25 lakh taxed at 12.5% LTCG.

STCG is taxed at 20%.

Debt funds taxed as per your tax slab.

Plan systematic withdrawals carefully to save tax.

? Protecting Retirement Corpus

Don’t dip into corpus before 55 years.

Reinvest dividends and capital gains till retirement.

Review your portfolio every year.

? Children’s Education and Family Support

Allocate funds separately for child’s education if required.

Don’t mix retirement savings with family obligations.

If parents are dependent, earmark a separate contingency fund.

? Key Risks to Watch

Business income stability over the next 10 years.

LAP interest rates.

Health insurance coverage post retirement.

Unexpected expenses during redevelopment.

? Final Insights

You have built a strong starting point.

But, retirement readiness is still a work in progress.

Pay down LAP within 5 to 7 years.

Build mutual fund corpus of Rs 2.5 crore by age 55.

Don’t stop SIPs. Increase them yearly.

Surrender investment-cum-insurance policies and switch to pure mutual funds.

Avoid annuities, index funds, and direct plans.

Keep insurance and investments separate.

Review your financial plan yearly with a Certified Financial Planner.

With disciplined investing, you can retire peacefully by 55.

Protect your corpus against inflation, market risk, and expenses.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 21, 2024Hindi
Money
Hi, I am 43 Years M with wife and 2 Kids (10 yrs. and 7 Yrs.). I am looking to retire in next 7-10 yrs. I worked in private sector for 8 yrs. and now I am in to business. My investments are as follows:- • 4.37 Cr in MFs with minimum 7-10 yrs. investment horizon. • Approx. 32 L in Bank FD's and Saving Ac. • Health insurance with 50 L cover for each hospitalization event and a Term Plan of 1 Cr with 90 L accidental cover against full disability. Assets:- • A Residential plot fully paid and worth 2.5 Cr. • A Flat worth 45 L and fully paid. • Gold jewellery close to 20-25 Lacs • 2 Cars fully paid, and shall serve my needs for another 10 yrs. • An inherited House, which is recently renovated and where I might settle after 15 yrs. • A commercial building worth close to 3 Cr with a monthly rental income of 65K. • A Budget Hotel (1/3rd owner) worth 8-10 Cr app and having a loan of 1.4 Cr. Its EMIs are sorted from inflow and shall be paid fully in the next 7 years. • 2 Land Parcels worth close to 3 Cr with very high commercial potential so intend to hold for possible future development. • Apart from that, I inherited a few land parcels which I intend to pass on to next-gen so not putting value on them. • Apart from the Hotel, I am invested in 3 other businesses which are handsomely giving returns. After expenses, I am left with a reasonable amount which I am investing in MFs and real estate. Liabilities:- • Nil except Hotel Loan. Expenses: - 1.2 to 1.5 L. Income/Inflows • 2-3 L Monthly - 65K from Commercial building and 2-2.5 L from Business. Concern/Issue:- My major earnings are from businesses whom I rate “high risk-high reward” kind of. And they being overseas keeps me away from family for 6 months a year. I am thinking to shift back to India with my family. So, if I take an exit then I shall touch at least 3.5-4 Cr INR. Now assuming that I did exit and none of my Indian Projects materialized. Then I would be left with assets mentioned above and Exit compensation of 3.5 to 4 Cr. How should I strategize my investments to take care of my Monthly expenses and other needs for next 30 -35 yrs?
Ans: Current Financial Position
Investments
Mutual Funds: Rs. 4.37 Cr with a horizon of 7-10 years.
Bank FD's and Savings Account: Approx. Rs. 32 L.
Insurance
Health Insurance: Rs. 50 L cover per hospitalization event.
Term Plan: Rs. 1 Cr with Rs. 90 L accidental cover.
Assets
Residential Plot: Worth Rs. 2.5 Cr, fully paid.
Flat: Worth Rs. 45 L, fully paid.
Gold Jewellery: Worth Rs. 20-25 L.
Cars: Fully paid, will serve for 10 more years.
Inherited House: Recently renovated, will settle in 15 years.
Commercial Building: Worth Rs. 3 Cr, rental income of Rs. 65K/month.
Budget Hotel: 1/3rd owner, worth Rs. 8-10 Cr, loan of Rs. 1.4 Cr with EMIs sorted for 7 years.
Land Parcels: Worth Rs. 3 Cr with high commercial potential.
Inherited Land Parcels: No value assigned, intended for next-gen.
Liabilities
Hotel Loan: Rs. 1.4 Cr.
Monthly Expenses
Monthly Expenses: Rs. 1.2 to 1.5 L.
Income/Inflows
Monthly Income: Rs. 2-3 L (Rs. 65K from commercial building and Rs. 2-2.5 L from business).
Investment Strategy for Early Retirement
Key Considerations
Risk Management

Diversify to mitigate business risk.
Ensure a steady income stream for expenses.
Asset Allocation

Balance between growth, income, and safety.
Optimize existing investments and new funds from exit.
Inflation Protection

Ensure investments grow to outpace inflation.
Plan for long-term expenses and healthcare costs.
Steps to Strategize Investments
Evaluate Existing Investments
Mutual Funds:

Continue with current investments.
Regularly review and rebalance portfolio.
Bank FDs and Savings:

Maintain for liquidity and emergency fund.
Consider high-interest alternatives like debt funds for better returns.
New Investments from Exit Compensation
Debt Allocation:

Allocate a portion to debt instruments for stable returns.
Consider options like debt mutual funds, corporate bonds, and government securities.
Equity Allocation:

Invest in diversified equity mutual funds for growth.
Include large-cap, mid-cap, and multi-cap funds for balanced exposure.
Hybrid Funds:

Invest in hybrid funds for balanced growth and stability.
These funds mix equity and debt components.

SWP Schemes:

Invest in SWPs for regular cash flow.
Explore options in mutual funds.
Commercial Property:

Continue rental income from the commercial building.
Potentially reinvest rental income into mutual funds or other assets.
Gold:

Consider holding gold as a hedge against inflation.
Explore options like Gold ETFs for liquidity.
Real Estate:

Evaluate potential of land parcels for future development.
Avoid further real estate investments to maintain liquidity.
Focus on Contingency Planning
Emergency Fund:

Maintain 6-12 months of expenses in liquid form.
Ensure quick access to funds for unforeseen needs.
Health Insurance:

Ensure adequate health cover for the family.
Review and enhance cover if necessary.
Estate Planning:

Create a will to manage inheritance.
Consider setting up a trust for asset protection.
Final Insights
Shifting back to India with a planned exit strategy can provide stability. Diversify investments to balance growth, income, and safety. Regularly review and adjust the portfolio to align with changing needs and market conditions. Ensure a steady income stream for long-term financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2025

Asked by Anonymous - Jan 30, 2025Hindi
Listen
Money
Hi, I am 41 years old and Married. I have 2 kids one daughter 15 years and son 7 years old. I am drawing annually 24 Lakhs salary. Having 3 houses one self occupied and two give letout with annual 4.2 lakhs rental income. All houses worth together 3 Crores. Housing loans principle outstanding of 85 lakhs with interest rate of 8.6% with monthly EMI of 1.13 lakhs per month for next 9 years. As of today I have SIP worth 90 lakhs with an IRR of 20%, Bank FD 30 lakhs – 7%, PPF 47 lakhs and PF 26 lakhs. I have term insurance of 1 CR and my wife term insurance of 50 Lakhs. For these for next 5 years, I have to pay premium of 1 lakh per annum. Medical insurance from company 5 lakh per annum for my family of 4 members. I am continuing my SIP of 86K per month – flexi cap 24L, small cap 29K, large cap 19K, Mid cap 14K. Any shortage of funds, I am moving from FD to SIP gradually. (SIP started 7 years back - started with 15K and now SIP at 86K) My annual expenses comes to 15 Lakhs including everything. I would like to take retirement at 50 years. Please check my details and suggest for any modifications for better returns. Also, please let me know how I can meet with liquid assets of 20 crores (in addition to my current properties) Thanks!
Ans: You have a strong financial foundation.
Your salary and rental income total Rs. 28.2 lakhs per year.
Your housing loan EMI is Rs. 1.13 lakh per month, which is manageable.
Your investments are well-diversified across mutual funds, FDs, PPF, and PF.
Your SIP portfolio has delivered an excellent IRR of 20%.
You have term insurance for yourself and your wife.
Your annual expenses are Rs. 15 lakhs, which is reasonable.
You have medical insurance of Rs. 5 lakh from your employer.
You gradually move funds from FD to SIP, which is a good strategy.
Your goal is to accumulate Rs. 20 crores in liquid assets within the next 9 years.
Retirement Readiness Assessment
You have 9 years left until your target retirement age of 50.
Your current investments are significant, but reaching Rs. 20 crores requires strategic planning.
Your housing loan is a major commitment, but it will end in 9 years.
Your SIP contributions are already strong and should continue.
Your rental income is a bonus but not reliable for long-term financial security.
Modifications for Better Returns
Increase SIP Gradually
Your SIP of Rs. 86K per month is excellent.
As your salary increases, try to increase SIP by at least 10-15% annually.
Move more funds from FD to SIP, as FD returns are low.
Reallocate Fixed-Income Investments
Your PPF and PF are too conservative.
You can stop fresh PPF contributions and allocate that amount to equity.
Maintain some FD for emergency funds but move excess FD to high-return investments.
Prepay Housing Loan or Invest More?
Your housing loan has an 8.6% interest rate.
Your SIP IRR is 20%, which is higher than your loan rate.
Instead of prepaying, continue investing in equity for wealth creation.
Additional Insurance Coverage
Your company’s medical insurance of Rs. 5 lakh is insufficient.
Consider a separate family floater health insurance of Rs. 15-20 lakh.
Your term insurance coverage is reasonable. No changes are needed.
Achieving Rs. 20 Crores in Liquid Assets
Step 1: Projected Investment Growth
Your SIP portfolio of Rs. 90 lakhs at 20% IRR can grow significantly in 9 years.
If you continue SIPs aggressively, you can accumulate a substantial corpus.
Additional investments from FD and PPF reallocations will further boost growth.
Step 2: Boosting Investment Contributions
As you get salary hikes, increase your monthly SIPs.
Reduce unnecessary expenses to redirect more funds into investments.
Consider lump sum investments when you receive bonuses or windfalls.
Step 3: Maintaining Investment Discipline
Stick to actively managed mutual funds through a Certified Financial Planner.
Stay invested during market fluctuations and avoid emotional decision-making.
Continue tracking and rebalancing your portfolio annually.
Finally
Your financial plan is strong, but small modifications can make a huge difference.
Increasing SIPs, reallocating low-yield investments, and maintaining discipline are key.
You are on track to build Rs. 20 crores in liquid assets if you execute this plan well.
Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2025

Money
I am 50 + yr Engg Graduate and working in Pvt sector in NCR and having approx 10 yrs to retirement. # The Combined Family income (Including Dividend & Interest) : Rs. 22 Lac / Annum. # Yearly Expenditure : Rs.13.1 Lac / Annum (Includes Insurance Premium , fee , Rent etc); # I am Staying in Rent ; I am Have a old parental Flat at Lucknow (Vacant) which will be sold off inleu of a new Flat in next 4-5 years time (Present Value of Flat is approx Rs. 75 Lac ; ) # Term Insurance till age 62 yrs: Sum Insured : Rs. 1.70 Cr ; # Health Insurance Floater : Covered till Rs. 50 Lacs. Portfolio : * MF-SIP : 1.80 Cr.; Monthly investment in SIP: ~ 65000/-. [MF SIP Selection is self] * Combined PPF : Rs.40 Lac * Sukanya Samriddhi Yojana : Rs. 6.0 Lac * Share Value: Rs.50 Lacs * FD with Pvt Financial institutions : Rs. 43 Lac. * Cash in Hand : Rs. 4-5 Lacs Major Expenditure to be done: (a) Higher Studies of Daughter: Going for PG - 1st yr & maybe later Phd. (b) Marriage of Daughter. (c) Higher Studies of Son : Presently in Class IX. (d) Marriage of Son . (e) Buying a new House. Pls advise : 1. How much Corpus will I have in next 10 yrs.? 2. How much should be the minimum corpus I should have at the time of my retirement so that it can last maybe for 25 + years post retirement? 3. Will I be able to achieve the reqd corpus? 4. What is the Likely monthly expenditure post my retirement ? 5. Can I share my List of SIP Portfolio with you so that same can be restructured by you ? 6. Should I go for a Professional Financial Planner ? regards
Ans: You have already done a lot of planning. Your awareness and discipline are strong. This gives you a great advantage for your retirement and children’s future.

Understanding Your Present Financial Snapshot
 

You are above 50 years of age and have around 10 years to retire.

 

Your yearly family income is Rs.22 lakh. Expenses are around Rs.13.1 lakh.

 

That means you are saving close to Rs.8.9 lakh yearly. That’s a strong surplus.

 

Monthly SIP is Rs.65,000. You have a solid SIP discipline in place.

 

Current MF SIP corpus is Rs.1.8 crore. That’s a significant base.

 

PPF corpus is Rs.40 lakh. That’s a good stable portion of your savings.

 

Shares are worth Rs.50 lakh. FD value is Rs.43 lakh.

 

You have Rs.4–5 lakh in liquid cash. Sukanya balance is Rs.6 lakh.

 

You are staying on rent. You have an old flat in Lucknow worth Rs.75 lakh.

 

You want to sell the flat in 4–5 years. Use funds for buying a new flat.

 

Health insurance floater of Rs.50 lakh is excellent.

 

Term insurance of Rs.1.7 crore till age 62 is also strong.

 

Likely Corpus in Next 10 Years
 

Your existing investments are already close to Rs.3.7 crore.

 

With SIPs and expected growth, this corpus will rise steadily.

 

Assuming consistent investment, the corpus could cross Rs.6 crore in 10 years.

 

This figure depends on SIP continuation, market returns, and investment review.

 

If you sell the flat in 5 years, you may get Rs.80–85 lakh or more.

 

That can also be redirected to another house purchase.

 

But remember, house is not an investment. It’s a utility asset.

 

It will not support retirement income unless sold or rented.

 

How Much Corpus Is Needed at Retirement?
 

Your current annual spending is Rs.13.1 lakh.

 

Post-retirement, this may reduce slightly. But not by much.

 

Assume 80% of current expenses will continue. That’s around Rs.10.5 lakh yearly.

 

Over 25+ years, this amount will rise due to inflation.

 

A safe minimum retirement corpus can be around Rs.5.5–6 crore.

 

This should cover lifestyle, healthcare, and emergency spending.

 

It also assumes a balanced investment portfolio post-retirement.

 

PPF, FDs, and some debt funds can give regular income.

 

Equity mutual funds should be continued partially for growth.

 

Can You Achieve the Required Corpus?
 

Yes, based on your present investments and habits, you are on track.

 

You must keep SIPs running without breaks for the next 10 years.

 

Increase your SIPs by 8–10% every year.

 

This single habit increases your total retirement corpus sharply.

 

Don’t withdraw from MF portfolio for house or other large expenses.

 

Use surplus from share sale or FD maturity for daughter’s or son’s needs.

 

Maintain separate goals. Don’t mix retirement and child-related funds.

 

Likely Monthly Expenses After Retirement
 

Your monthly spending may reduce, but not disappear.

 

House rent may go if you buy a flat. But other costs may rise.

 

Healthcare costs will rise as you age. So will travel and daily needs.

 

Monthly spending may be around Rs.80,000 to Rs.90,000 after retirement.

 

This will keep increasing due to inflation.

 

Plan for this by keeping a rising income source post-retirement.

 

Part of your MF portfolio must remain in equity to beat inflation.

 

Should You Restructure Your SIP Portfolio?
 

Yes. You can share your SIP portfolio. It should be reviewed in detail.

 

Fund selection must suit your goals, risk, and retirement timeline.

 

If SIPs are selected by self, mistakes may remain unnoticed.

 

Self-managed portfolios often carry duplication and poor diversification.

 

Review will ensure you hold right funds in correct proportion.

 

Regular rebalancing and fund replacement are also needed.

 

Avoid index funds. They copy the index. No expert decision-making involved.

 

Actively managed funds give better chances of outperformance.

 

A fund manager takes timely calls based on market data.

 

Direct Plans vs Regular Plans
 

Many people choose direct funds thinking returns will be more.

 

But direct plans give no advice, no monitoring, no fund review.

 

Wrong choices can erode gains, which you may not notice.

 

Investing through MFD with CFP support gives many advantages.

 

You get continuous guidance, strategy correction, and emotional discipline.

 

A small extra cost is worth it for safer long-term performance.

 

Use regular plans under a Certified Financial Planner to avoid mistakes.

 

Should You Hire a Certified Financial Planner?
 

Yes, it is the right time to do so.

 

You are close to retirement. No room for errors now.

 

One bad year or wrong withdrawal can hurt long-term stability.

 

A planner prepares a full retirement roadmap. Step-by-step.

 

Helps manage retirement income, investment allocation, and cashflow.

 

Plans for children’s education, marriage, and tax-saving.

 

Also prepares a Will, estate plan, and contingency system.

 

You have built wealth. A planner helps protect and grow it safely.

 

Other Action Points You Must Consider
 

Keep 6 months’ expenses in liquid mutual funds. That’s your emergency fund.

 

Keep track of new MF capital gains tax rules.

 

If equity MF gains exceed Rs.1.25 lakh in a year, excess is taxed at 12.5%.

 

If sold within one year, tax is 20% on profits.

 

For debt funds, all gains are taxed as per your income slab.

 

File taxes properly. Use Form 26AS and AIS to avoid mismatch.

 

Make a written Will. Register it if possible.

 

Update nominations in all mutual funds, FDs, and insurance.

 

Involve your spouse in all investment decisions. Keep them informed.

 

Retirement Income Management Strategy
 

Break your retirement portfolio into three buckets.

 

First: Emergency and liquidity. Use FDs and liquid funds here.

 

Second: Stable monthly income. Use PPF, debt mutual funds, and bonds.

 

Third: Long-term growth. Keep some mutual funds in equity.

 

Withdraw only what is needed. Keep rest invested.

 

Review once a year with your planner.

 

Children’s Education and Marriage Planning
 

PG for daughter is immediate. Use FD interest or surplus cash.

 

Don’t disturb mutual funds meant for retirement.

 

PhD is long-term. Plan SIPs separately for that.

 

Son’s education is 4–5 years away. Start new SIPs today.

 

Marriage cost is hard to predict. But start a separate investment for that now.

 

Keep gifts, bonuses, or land sale proceeds for such events.

 

Don’t allow such costs to delay or reduce your retirement corpus.

 

Final Insights
 

You are in a strong financial position. That itself is an advantage.

 

But with multiple goals ahead, clear planning becomes important.

 

Don’t self-manage complex portfolios at this stage.

 

Avoid real estate dependence. Use it only for living, not investing.

 

Stay away from index and direct funds. They don’t give personal strategy.

 

Increase SIPs each year. Tag each goal separately.

 

Use a Certified Financial Planner to guide your retirement strategy.

 

Update nominations, Will, and insurance coverage.

 

Monitor your retirement portfolio closely, but don’t panic with market ups and downs.

 

Stay invested. Think long-term. Follow a guided, reviewed plan.

 

You can retire comfortably and fulfil all family goals with peace of mind.

 

Best Regards,
 

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 2025

Asked by Anonymous - Jun 02, 2025Hindi
Money
I am 39 year old i am working with a in hand salary excluding PF (25000 pm)and NPS(10750 pm) 175000 per month my current investment in ULIP policy yearly premium 80K current corpus 18 lacs l,LIC policy 180k yearly premium current corpus 28 lacs,NPS current value 5.50 lacs ,PF balance 7.5 lacs, LIC single premium investment in 2016 4 lacs going to mature in 2032, KVP 60k redeem next year will 120K, SIP 4k in sundaram mid-cap, 6k in ICICI tax saver, Aditya Birla front line 3K Total fund value as of Now 4.4 lacs and I invested lump sum for my child 4.5lacs in 2023 and now it's value is 6.10 lacs my son is 3.5 year old Term insurance 1.5 crores premium 60K yearly Medical insurance of 10 lacs premium 16K and also have to pay for my senior citizen parents 90K for 30 lacs sum assured I had joined home loan with my brother of 40 lacs emi for 52K for 10 years tenor my house cost 2 crores so my 50% share is 1 crore and my father's and brother had business having value of 6 crores so my share is 50 % Gratuity from the company 6 lacs is current value will increase accordingly I want to join my father and brother business and they are experienced I need to contribute 20 lacs to expand so that I can get 75k per month for next one year after leaving a job and after that it can be increase accordingly My monthly expenses is around 100000 per month so net deficit of 25000 I can use my Gratuity amount for next 2 years and my wife is home maker My question can I move now to my family business or should I wait and how much. Reason for this though I am in private job it is stable now but due to age when you cross 55 years with no source of income and other thing you should have something for your own that you build If I and my brother work together we can expand but will take 2 years to get thing stable To pay 20 lacs I am going to redeem my ULIP and remaining invest into my father and brother business Please advise
Ans: Let’s assess your situation step-by-step. You’ve already built a good base. That’s admirable. You’ve taken action early in life. You’ve saved and invested in many options. You also think long-term. That’s very important.

You are 39 years old now. You are earning Rs. 1.75 lakhs per month in hand. You have stable income and a solid professional profile. But now you are considering shifting to your family business. You have a plan. You need Rs. 20 lakhs as capital. You expect Rs. 75,000 per month as income from the business in year one. You are ready to redeem your ULIP to part fund this.

Let us give you a 360-degree assessment of your plan. Let us break it down into clear parts.

Your Income and Expense Profile
Your take-home salary: Rs. 1,75,000 per month

Monthly household expenses: Rs. 1,00,000

Term insurance of Rs. 1.5 crores (Premium Rs. 60,000 yearly)

Health cover for family: Rs. 10 lakhs (Premium Rs. 16,000 yearly)

Health cover for senior citizen parents: Rs. 30 lakhs (Premium Rs. 90,000 yearly)

Home loan EMI shared: Rs. 52,000 monthly (Your share assumed to be Rs. 26,000)

Observation:

You are left with Rs. 49,000 monthly after meeting family expenses and home EMI.

However, annual insurance premiums eat up a portion of your annual savings.

So, net surplus available for investment or reserve is low.

Current income is decent, but your monthly burn rate is also high.

The moment your fixed income stops, a cash flow gap will start.

Existing Investments Review
Let’s break them down:

1. ULIP
Annual premium: Rs. 80,000

Corpus value: Rs. 18 lakhs

Plan: Surrender it to fund business

Assessment:

ULIPs give poor returns and carry high charges.

You’ve already paid for years. Now corpus is useful.

Surrendering now is the right move, considering your business need.

Use this amount wisely. Do not spend this on anything else.

2. LIC Policy
Annual premium: Rs. 1.80 lakhs

Current corpus: Rs. 28 lakhs

Assessment:

This is an investment cum insurance plan.

Returns may be very low, around 4%–5%.

You’re paying a big premium which locks liquidity.

You already have a pure term plan.

Consider surrendering it and use proceeds wisely.

After surrender, future premiums (Rs. 1.8 lakhs yearly) will also be saved.

That money can be better invested in mutual funds through a Certified Financial Planner.

3. NPS
Current value: Rs. 5.5 lakhs

Ongoing contribution: Rs. 10,750 per month

Assessment:

Good for long-term retirement saving.

It is illiquid till retirement.

Keep investing in NPS regularly.

Don’t depend on NPS for next 20 years.

4. Provident Fund (PF)
Current balance: Rs. 7.5 lakhs

Assessment:

Long-term saving with steady returns

It is stable and gives compounding benefit

Keep this untouched for now

Will be useful during retirement or emergencies

5. LIC Single Premium Plan
Invested Rs. 4 lakhs in 2016

Maturity in 2032

Assessment:

This also gives low returns

But since it matures in 2032, and was already paid in 2016, keep it

Don’t redeem now. Let it mature.

6. KVP (Kisan Vikas Patra)
Value: Rs. 60,000

Maturity next year: Rs. 1.20 lakhs

Assessment:

Very small amount, no need to disturb now

Use maturity amount next year to reinvest

Mutual Funds and SIPs Review
Sundaram Mid Cap SIP – Rs. 4,000

ICICI Tax Saver SIP – Rs. 6,000

Aditya Birla Frontline SIP – Rs. 3,000

Total value of MFs: Rs. 4.4 lakhs

Lump sum for child: Rs. 4.5 lakhs in 2023, now Rs. 6.1 lakhs

Assessment:

Your SIPs total Rs. 13,000 monthly

Continue these, if business cash flow allows

You are doing SIP in active funds. That is better than index funds

Index funds only mirror markets and don’t beat inflation

Active funds give more flexibility and scope to outperform

Child Investment:

You’ve grown Rs. 4.5 lakhs to Rs. 6.1 lakhs

Very good progress

Continue for next 15 years

Don’t redeem this

Insurance Assessment
You’ve taken key protection steps. That’s appreciable.

Term Plan: Rs. 1.5 crores – Good coverage

Health Cover for family: Rs. 10 lakhs – Adequate

Health Cover for parents: Rs. 30 lakhs – Thoughtful

Premium outflow is high, but needed

Suggestion:

Review if any medical policy can be ported to lower cost

Or choose family floater + super top-up plans

Continue term cover. Don’t stop

Gratuity and Future Use
Current Gratuity value: Rs. 6 lakhs

Will grow as you work more

You plan to use it for 2 years post job

Assessment:

This is smart planning

Use this reserve only if no other source remains

Don’t treat this as cash buffer casually

Business Opportunity Evaluation
You are planning to shift to family business.

You need to invest Rs. 20 lakhs

You expect Rs. 75,000 income per month for one year

Income may rise after that

Business value is Rs. 6 crores (family-owned)

You have 50% share

Assessment:

This is a big decision. Let's check all angles:

Positives:
You’ll build something of your own

Experienced father and brother are already running it

Your capital is being put to use in your own asset

You expect income from day one

Your business share is already 50%

Cautions:
Rs. 20 lakhs is a large portion of your current liquid assets

You are exiting stable job and salary

Income from business will be fixed only for first year

After that, it may fluctuate

No PF, gratuity, or fixed perks after job exit

Business returns can’t be guaranteed

Suggestion:

Don’t redeem child investment or SIPs

Fund Rs. 20 lakhs from ULIP (Rs. 18 lakhs)

Balance Rs. 2 lakhs from emergency fund or surrender of LIC

Keep 6 months’ monthly expense as emergency fund ready

Don’t touch PF, NPS or child education fund

Stop fresh LIC premiums and redirect that to mutual funds

Long-Term Retirement Planning
Let’s assess what you’ll have at age 55–60.

NPS: Will grow if continued

PF: Will grow steadily

Mutual Funds: SIPs and child investment will grow well

LIC policies: If surrendered and reinvested, will grow better

Business: Will provide income + asset value

Suggestion:

Build a clear retirement plan with Certified Financial Planner

Start SIP in diversified active mutual funds

Don’t go for direct mutual funds

Regular plans via MFD with CFP help are better

Direct plans don’t offer advice and tax handling

You need handholding and planning support

Your goal is income replacement post-retirement

Real Estate Exposure (Note: for own-use, not investment)
You already own a home worth Rs. 2 crores (shared)
EMI is going on. Don’t plan for more property.
Don’t invest in property for returns. It locks money and has poor liquidity.

Tax Planning Suggestions
Use ELSS mutual funds (already doing ICICI Tax Saver)

Use NPS contribution under 80CCD

Avoid TDS leakage on LIC plans by surrendering early

Redeem ULIP and invest in your business – no long-term tax issue

Keep SIPs under 1 lakh per year equity gains to avoid LTCG tax

For equity funds, LTCG above Rs. 1.25 lakhs taxed at 12.5%

STCG taxed at 20%

Finally
You are ready to move into the family business.
You have a clear plan. That is good.
But take this step with full preparation.

Fund Rs. 20 lakhs from ULIP and part LIC surrender

Keep emergency fund of 6 months aside

Don't disturb PF, NPS, or child's education fund

Continue SIPs if possible

Exit all poor-return insurance-linked products

Take help from Certified Financial Planner for mutual fund strategy

Build a goal-based plan with yearly review

You have age on your side.
You have family support in business.
You are thinking ahead. That’s rare.
With strong planning, you can transition smoothly.
Income will be uncertain at first, but ownership gives long-term peace.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 09, 2025

Asked by Anonymous - Aug 09, 2025Hindi
Money
Hi, I am 45 years old. Working in in a tech company. Want to retire in another 5 years. Below is my current financial details Bank saving account : 21 Lakhs - EPF - 68 Lakhs - LIC Jeevan Anand : 10 Lakhs maturing in 2030 - SBI term insurance : 50 Lakhs coverage till 60 years - Star Health insurance for me and family : 7 Lakhs coverage - Have corporate office health insurance of 10 lakhs, life insurance coverages - LIC Jeevan Utsav pension plan : 10 Lakhs yearly premium for 6 years, will get 50 thousand per month after 12 years, from 2036 onwards, also provides life insurance coverage - Have monthly NPS of 20 thousand, started 6 months back Have the below Assets: - Site worth of 1.2 crores as of today - Flat worth of 75 Lakhs as of today Have below investments - 3.1 Crore Indian market equity trading as of today - 4.5 Crores of company ESOP of foreign company - Given around 15 lakhs to relatives for financial help, which I need to receive back - Have no loans or any other liabilities. - Receive salary of 13.5 Lakhs per month : 3.5 is fixed salary and 10 Lakhs is ESOP equity from the company, I continue to receive this as long as I work for the company. If you look at the high level picture, it looks something like this - Liquidity : 22 Lakhs : 2% of overall portfolio - Investment is : 7.5 Crores : 70% of overall portfolio - Retirement plan investment : 88 Lakhs : 8% of overall portfolio - Assets worth : 1.8 Crores : 17% of overall portfolio - Monthly expenses is around 60 thousand per month. Please review my financial portfolio and suggest me if there are any changes needed so that I can put the in hand money to effective use to generate good amount of wealth as well as to receive the regular guaranteed amount return
Ans: You have done very well in building assets and income.
Your discipline and strong savings habit are impressive.
Your portfolio is large and well diversified across asset classes.
With 5 years left before planned retirement, you are in a strong position.

» current strengths

– You have no liabilities.
– Your monthly expenses are very low compared to your income.
– You have good exposure to equity through direct holdings and ESOP.
– You have property assets for stability.
– You have term insurance and health cover for protection.
– You have started NPS for retirement benefit.

» liquidity position

– You have Rs. 21 lakh in savings account.
– Liquidity is only 2% of portfolio, which is low.
– You may increase short-term liquid assets for emergencies.
– Keep 12 to 18 months of expenses in safe liquid instruments.
– This will prevent forced sale of volatile assets during market falls.

» investment allocation review

– Large allocation to direct equity and ESOP is good for growth.
– However, concentration risk is high due to ESOP size.
– Reduce dependence on single company stock over time.
– Gradually move part of ESOP gains to diversified actively managed funds.
– Actively managed funds with a Certified Financial Planner can give better risk management.
– Direct equity requires constant monitoring and carries company-specific risk.
– Keep direct equity allocation below 50% as you near retirement.

» insurance review

– Your term cover is Rs. 50 lakh, which is low for your profile.
– Consider increasing term cover to match your current asset value and goals.
– You have health cover of Rs. 7 lakh plus corporate cover.
– Corporate cover will stop after retirement, so personal cover must be higher.
– Take a higher individual family floater with at least Rs. 25–50 lakh.
– Continue accidental cover for disability risk.

» retirement corpus building

– Your current investment corpus is strong.
– In 5 years, equity growth plus ESOP value can create large corpus.
– Shift gradually from high-volatility assets to balanced growth assets before retirement.
– Maintain at least 40% in growth assets even post-retirement for inflation protection.
– The rest can be in stable debt instruments for income.

» property holdings

– You have a site worth Rs. 1.2 crore and flat worth Rs. 75 lakh.
– These give asset stability but low liquidity.
– Avoid adding more real estate as it ties up capital.
– Keep them as part of net worth but focus new investments in financial assets.

» LIC and traditional policies

– LIC Jeevan Anand and LIC Jeevan Utsav are low-yield policies.
– These give low returns compared to inflation.
– You can surrender Jeevan Anand and reinvest in actively managed mutual funds.
– This will improve long-term returns and liquidity.
– Continue LIC Jeevan Utsav if surrender charges are high now, but reassess later.

» portfolio diversification strategy

– Keep part of your corpus in high-quality actively managed equity funds.
– Avoid index funds, as they blindly follow market without risk control.
– Actively managed funds can outperform in volatile and falling markets.
– Index funds lack flexibility to avoid weak sectors or companies.
– Also avoid direct plans without guidance.
– Investing through an MFD with CFP qualification gives disciplined advice and ongoing review.
– This ensures you avoid emotional decisions and stick to the right plan.

» regular income planning for retirement

– At retirement, shift part of corpus to safe debt funds, bonds, and deposits.
– This will give stable income for monthly needs.
– Keep some allocation in growth assets to fight inflation.
– Withdraw income systematically, not by redeeming large chunks at once.
– This approach keeps the portfolio sustainable for 30+ years post-retirement.

» use of current surplus income

– You have very high monthly surplus.
– Deploy surplus into a mix of actively managed equity and debt funds.
– Avoid keeping large idle balance in savings account.
– Use surplus to build retirement corpus faster.
– Also invest part in international equity funds for currency diversification.

» ESOP handling

– Your ESOP is a big asset but concentrated in one company.
– Plan gradual sale over the next 5 years to reduce concentration risk.
– Redeploy proceeds into diversified mutual funds and debt instruments.
– Do not wait to sell all at retirement; spread the sale to reduce tax impact and volatility.

» tax efficiency planning

– Plan asset sales and redemptions considering capital gains tax rules.
– Equity long-term gains above Rs. 1.25 lakh are taxed at 12.5%.
– Short-term equity gains are taxed at 20%.
– Debt fund gains are taxed at your slab rate.
– Spread sales across years to reduce tax outgo.
– Use tax-saving opportunities like PPF, NPS, and 80C fully each year.

» risk management before retirement

– As retirement nears, portfolio shocks can hurt more.
– Start rebalancing from year 3 onwards.
– Move some equity gains to safer assets every year.
– Maintain equity allocation but with lower volatility options.
– Avoid large exposure to small-cap or single-stock bets near retirement.

» succession and estate planning

– Make a clear Will to avoid disputes later.
– Nominate in all investments, insurance, and bank accounts.
– Keep joint ownership for easy access to funds by spouse.
– Share asset and document details with spouse.

» liquidity for opportunities and emergencies

– Keep some cash or liquid fund for quick access.
– This can help you take advantage of market dips even after retirement.
– It also covers emergencies without disturbing long-term assets.

» finally

– Your financial position is very strong.
– You can reach your retirement target in 5 years with discipline.
– The focus now should be on reducing concentration risk, improving insurance, and increasing liquidity.
– Surrender low-yield policies and shift to better performing mutual funds.
– Move ESOP and direct equity gains gradually to diversified assets.
– Keep a good mix of growth and stability even after retirement.
– Review your plan every year with a Certified Financial Planner to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Latest Questions
Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir,my son got mtech cse in SRM kktr,btech AI DS in PSG ITECH Coimbatore and btech IT in TCE ,madurai which one to choose ,pls share your advise sir
Ans: Based on the following insights/information, advise your son to choose the most suitable option for him. Your son's options include an MTech dual degree in Computer Science and Engineering (CSE) from SRM Institute of Science and Technology (SRM KKTR), a BTech in Artificial Intelligence and Data Science from PSG Institute of Technology and Applied Research (PSG ITECH), Coimbatore, and a BTech in Information Technology from Thiagarajar College of Engineering (TCE), Madurai. SRM KKTR is a deemed university with A++ NAAC accreditation, known for its integrated MTech programs that combine undergraduate and postgraduate studies, offering extensive research opportunities and strong industry exposure in a metropolitan setting. SRM consistently reports high placement rates with an average package over ?7 lakh. PSG ITECH is a reputed private institute focused on emerging technologies like AI and data science, with robust industry linkages and an 85% placement rate, average packages around ?6.5 lakh, and focus on hands-on learning in AI, machine learning, and big data analytics. TCE Madurai, an autonomous private college with A+ NAAC, excels in IT education with strong academics and around 80% placement rates; it is well-recognized regionally, with median salary packages around ?7 lakh, supported by a vibrant alumni network and industry contacts.

All three institutions maintain essential features such as good accreditation, qualified faculty, strong industry connections, modern infrastructure, transparent governance, and active placement cells. The choice should consider program duration, specialization focus, career goals, and willingness to pursue research or industry-oriented roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
I am 45 years old. I have 13 years of work experience which includes working as Admin executive, HR executive and some BPO jobs. My last job was into Admin - HR which I lost since past 1 year. I have home loans to pay. I have been applying through Naukri.com, Glassdoor.com and LinkedIn but got no response yet. I had given a few interviews but got rejected. I am very depressed and sad everyday but don't feel strong and motivated enough to look for jobs .. All my reserves are over I need to get a job immediately.... I don't know what to do? Can u please provide some reference for jobs?
Ans: At age 45 with 13 years of experience in admin executive, HR executive, and BPO roles, re-entering the job market after a year-long gap requires a focused, strategic approach combining practical steps and mindset shifts. Prioritize updating your resume and LinkedIn profile to highlight both your experience and recent efforts toward skill development, aligning with job descriptions and using relevant keywords to navigate applicant tracking systems. Harness multiple job portals such as Naukri.com, LinkedIn Jobs, Indeed, and TalentoIndia for diversified exposure. Leverage your network by reconnecting with former colleagues and supervisors and communicate your job search openly to access hidden opportunities. Develop a daily routine balancing job search, skill enhancement, and self-care to rebuild motivation and resilience. Consider upskilling or certification courses in demand areas like digital HR tools, payroll, or skilled administration, which also revitalize confidence. Volunteer work or freelance administrative roles can help ease back into employment and expand contacts. Prepare well for interviews by confidently addressing any employment gap and emphasizing your readiness and adaptability. Mental health support and career coaching can further support your journey. Overall, resilient persistence, proactive networking, targeted applications, continuous skill upgrades, and focused mindset adjustments form the roadmap to regain employment rapidly despite challenges linked to age and break.

Recommendation: Actively revamp your job search using key portals like Naukri, LinkedIn, and Indeed while expanding your professional network. Complement this with relevant upskilling and volunteer engagements to boost employability and confidence. Pursue routine structuring and mental wellness practices to maintain motivation and maximize job search effectiveness for swift re-entry. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 12, 2025Hindi
Career
My grandson is studying 12th mpc subjects please advise which competitive entrance exams. Should be given for engineering stud
Ans: For your grandson studying the 12th MPC (Mathematics, Physics, Chemistry) stream, multiple competitive engineering entrance exams in India provide access to a wide range of prestigious institutions. The prominent national-level exam is the Joint Entrance Examination (JEE) Main, conducted twice a year by the National Testing Agency (NTA), which tests knowledge in Physics, Chemistry, and Mathematics with a focus on NCERT-based syllabus. JEE Main serves as a gateway for admission to National Institutes of Technology (NITs), Indian Institutes of Information Technology (IIITs), and other centrally funded technical institutes, and is also a prerequisite for JEE Advanced for entrance to Indian Institutes of Technology (IITs). Another key national-level exam is BITSAT, the online test for Birla Institute of Technology and Science campuses, which includes additional sections like English Proficiency and Logical Reasoning alongside PCM. VITEEE is a well-known university-level entrance exam conducted by Vellore Institute of Technology, offering admission to its engineering programs. State-level exams such as Maharashtra’s MHT CET, West Bengal’s WBJEE, and Kerala’s KEAM target local candidates and provide pathways into state engineering colleges. Selection of exams should align with the student's preferred colleges, location, and career objectives. Ensuring eligibility, strong preparation for the PCM subjects, and timely application is crucial for success. The institutes to consider emphasize rigorous accreditation, qualified faculty, modern infrastructure, strong industry connections, and transparent governance for comprehensive student development.

Recommendation: Encourage your grandson to focus on the JEE Main exam for broad national exposure and top-tier institute eligibility while also considering BITSAT and VITEEE for premier private universities. Additionally, state-level exams like MHT CET are essential for regional opportunities. Preparing across these exams maximizes admission options and future career growth. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
Hi Sir, My Son was looking for ECE but however he has secured E.E VLSI Design & Technology but he wants to pursue Bsc in Business AI or Bsc in CS at Dr. Homi Bhabha State University in mumbai, please advice which would be the best option .
Ans: Umesh Sir, Dr. Homi Bhabha State University (HBSU) offers pioneering three-year BSc programs in Business AI and Computer Science, backed by NAAC accreditation and industry collaboration with TeamLease EdTech, equipping students with hands-on AI tool training, project-based learning, and mentorship in domains spanning finance, marketing, and software development. The university’s modern labs, digital resources, and strategic Churchgate location grant access to Mumbai’s tech and financial hubs, while emerging placement ties with TCS, Infosys, and ICICI Bank reflect growing demand for graduates with AI and programming expertise. In contrast, the BTech in Electrical Engineering with VLSI Design & Technology provides a four-year engineering degree emphasizing chip design, semiconductor fabrication, and hardware-software integration, delivered through advanced clean-room facilities, specialized labs, and faculty research in microelectronics. Strong industry partnerships in the semiconductor sector foster core hardware roles, though the specialized nature may limit versatility compared to broader tech disciplines. Both pathways maintain transparent governance, experienced faculty, robust infrastructure, and career services.

Recommendation: Prioritize the BSc in Computer Science at HBSU for broad software and AI foundations, versatile career options, and strong industry alignment. Next consider BSc Business AI for its business-tech integration. Opt for EE VLSI only if your son is committed to semiconductor hardware design and fabrication roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
My daughter got 75.47 percentile in jee main PCM group. She scored 77.67% in 12TH board from maharashtra state board under Savitri Bai Phule Pune University. Her 10th was from ICSE board with 95.33%. On the basis of these she got BTech in CSE at Amrita vishwavidyapeetham Haridwar campus which they launched this year with fees 1.25L per year or same course at Nagarcoil with 2L per year. In Maharashtra CET, her percentile is 88.05 and she got BTech in CE at Zeal college of engineering, pune with 30K fee per year as there is free education for girls in Maharashtra for OBC Non Creamy layer students. I am from Nashik, Maharashtra. Please guide me sir, Which one is better option as she want to do MS after graduation.
Ans: Bharat Sir, Your daughter’s options for pursuing B.Tech in Computer Science and Engineering (CSE) at Amrita Vishwavidyapeetham Haridwar or Nagarcoil campuses, versus Civil Engineering (CE) at Zeal College of Engineering Pune, should be evaluated with a focus on her desire to pursue an MS abroad after graduation. Amrita Vishwavidyapeetham is a highly reputed university with A++ NAAC accreditation, known for strong research culture, excellent faculty, and extensive international collaborations including study abroad programs and research exchanges. The Haridwar campus offers a competitive, specialized CSE program with strong industry linkages and international recognition, making it well-suited for students aiming for higher studies abroad. The Nagarkoil campus also has similar credentials but involves higher tuition fees. In contrast, Zeal College in Pune, though affiliated with Savitribai Phule Pune University and holding NAAC A+ accreditation, offers a Civil Engineering program with significantly lower fees aided by Maharashtra’s free education scheme for OBC non-creamy layer girls. However, CE as a branch offers a different career trajectory compared to CSE; the latter generally provides broader scope, especially in the context of MS abroad admissions where CSE graduates tend to have stronger opportunities in global tech research hubs. Zeal’s local reputation and affordability are definite advantages, but for a future MS abroad, especially in tech domains, Amrita’s CSE program offers a more recognized platform with a research-oriented and tech-focused curriculum.

Recommendation: Prioritize Amrita Vishwavidyapeetham Haridwar CSE for its robust academic quality, international exposure, and stronger alignment with MS pursuits abroad. Consider the Nagarkoil campus if budget permits and the branch preference remains CSE. Choose Zeal Pune CE only if budget constraints dominate and the focus is on local professional pathways or civil engineering specialization. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Career
Sir is CIC du good or iter
Ans: The Cluster Innovation Centre (CIC) at Delhi University is a government-funded institute promoting innovation through interdisciplinary programs, industry collaborations, and practical project work. CIC offers a focused B.Tech in IT & Mathematical Innovations with advanced labs and a location in Delhi University's North Campus. Its recent placement data shows approximately 40-50% placement with median packages around ?8.5 LPA, though it lacks a dedicated placement cell. CIC emphasizes research-driven learning and innovation culture. On the other hand, the Institute of Technical Education and Research (ITER), affiliated with Siksha ‘O’ Anusandhan Deemed University, is a top-ranked private engineering institute, nationally placed 2nd among private colleges and 3rd overall in Times Engineering Survey 2025. ITER is accredited by ABET, offers various engineering branches with strong research facilities, robust industry ties, and consistent high placement rankings in eastern India and nationally. It has modern infrastructure, experienced faculty, and a broad-based engineering curriculum. While CIC stands out for innovation and niche curriculum under Delhi University’s umbrella, ITER excels in broader technical education, high national rankings, and placement outcomes.

Recommendation: Choose ITER for a comprehensive engineering education with superior infrastructure, accreditation, and higher placement potential. Opt for CIC if you value Delhi University affiliation and a focus on innovation and interdisciplinary research with emerging tech specialization. Your choice should align with your career goals and preferred learning environment. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
My daughter got B.tech in Rubber and plastic technology, MIT Chennai. Now she received an email from SSN college for counseling to join Biomedical engineering which is under management quota.. what to decide whether to continue with MIT or SSN? Please suggest...
Ans: Malathi Madam, Your daughter’s current B.Tech in Rubber and Plastic Technology at Madras Institute of Technology (MIT) Chennai offers a specialized and unique curriculum that combines polymer science, rubber processing, and plastics technology, supported by experienced faculty, advanced labs, and strong industry connections with companies like Bridgestone and CEAT. MIT is esteemed as a government-affiliated institute under Anna University with solid accreditation and a robust placement record in this niche sector, with about 80% placement and internships, and average packages in relevant industries. Conversely, SSN College of Engineering’s Biomedical Engineering program, offered under management quota, is part of a reputed private institution with NAAC A++ accreditation, strong industry ties, vibrant research culture, and higher mainstream tech placement visibility. SSN’s Biomedical department reports decent placement support with recruiters from healthcare and technology domains, though admissions via management quota may have higher fees and different governance compared to MIT. Both institutions maintain transparent governance, modern infrastructure, and active student support systems. Your daughter’s choice hinges on whether she prefers continuing in the specialized Rubber and Plastics sector at a premier government-backed institute or pivoting to a broader, rapidly growing biomedical field with SSN’s private institute benefits. Just my suggestion: Prefer SSN-Biomedical Engineering, which is more suitable for a girl student (provided you are able to afford its Management Quota Fee) compared to Rubber-Plastic Technology. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
Which should i choose Electrical at IIEST Shibpur or Electrical at NIT Patna?
Ans: Arnav, The Electrical Engineering program at IIEST Shibpur is highly reputed, established since 1912 with a rich legacy as one of India’s premier engineering institutes. It offers a rigorous curriculum with NBA accreditation, advanced labs in power systems, drives, high voltage, and smart control, supported by faculty with strong research credentials and multiple funded projects. The department emphasizes innovation, industry collaboration, and practical learning with excellent infrastructure and transparent governance. Placement rates hover around 72-75%, with graduates finding opportunities in traditional power, automation, and emerging energy sectors. NIT Patna’s Electrical Engineering is an autonomous government institute with a solid curriculum, ranked 55th in NIRF 2024 for its program, and a focus on power systems, control, and electronics. It has a placement rate close to 75%, with top recruiters across core and IT sectors. The fee structure and campus facilities are comparable to IIEST. However, IIEST Shibpur excels in research environment, faculty quality, infrastructure, and industry ties, offering a slight edge especially for students interested in advanced projects and academic excellence.

Recommendation: Choose Electrical Engineering at IIEST Shibpur for its superior research opportunities, infrastructure, and reputed faculty. Opt for NIT Patna if geographic preference or cost factors dominate, but IIEST Shibpur provides a stronger foundation for core engineering and future innovation. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10252 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2025

Career
Hello sir, I want to know your reviews about Dr Homi Bhabha state university it is in mumbai. They have launched new course which is in Bsc business AI its a 3 years duration. Is it advisable to take admission for it. The college is located in churchgate Mumbai. Pls guide
Ans: Swapnali, Dr. Homi Bhabha State University (HBSU), located in Churchgate, Mumbai, is a cluster university comprising historic constituent colleges with strong NAAC accreditation and a mission to deliver flexible, industry-relevant education. The newly launched BSc Business AI is Maharashtra’s first undergraduate degree blending core business skills with practical AI applications, offered in collaboration with TeamLease EdTech. This program emphasizes hands-on training, AI tool mastery, mentorship from industry experts, and project-based learning in domains like marketing, finance, HR, and operations, bridging the gap between business and technology. HBSU’s well-equipped labs, modern infrastructure, and digital resources support experiential learning. Placement opportunities at the university reflect a growing interface with recruiters in IT, finance, and consulting sectors, with top companies such as TCS, Infosys, Wipro, and ICICI Bank recruiting students. The program offers excellent scope due to the surging demand for business professionals with AI competencies, supported by India’s expanding AI job market across industries. Recommended backup options include courses in data analytics, business analytics, and AI certifications to enhance employability. The university also maintains transparent governance, supportive student services, and vibrant campus life in its prime Mumbai location.

Recommendation: Enroll in Dr. Homi Bhabha State University’s BSc Business AI program for a pioneering, employment-driven education combining business and AI skills. Complement with certifications or diplomas in data/business analytics to stay competitive in campus and off-campus placements in this evolving sector. All the BEST for a Prosperous Future!

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