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I'm 27, want to retire at 45. Which SIP funds should I choose for the long term?

Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 06, 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 - Jan 20, 2025Hindi
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list of good sip funds for long term

Ans: A well-chosen SIP can create wealth over time. Actively managed mutual funds can offer better risk-adjusted returns than passive funds. They also help in wealth creation and financial stability.

Below are key aspects to consider while selecting SIPs:

Why Choose Actively Managed Funds?
Better Returns: Skilled fund managers aim to outperform the market.

Flexibility: Fund managers adjust portfolios based on market conditions.

Risk Management: Active monitoring helps reduce risks during market downturns.

Diversification: Investments spread across multiple sectors and companies.

Professional Expertise: Experts select stocks based on deep research.

Factors to Consider Before Investing in SIPs
Investment Goal: Define your financial objectives before choosing a fund.

Risk Appetite: Select funds based on your comfort with market fluctuations.

Time Horizon: Longer investment duration helps compound returns.

Fund Performance: Analyse consistency in past performance over 7-10 years.

Fund Manager’s Track Record: A strong manager improves the fund’s stability.

Expense Ratio: Lower costs help retain more returns.

Types of Actively Managed Funds for SIP
1. Large-Cap Funds
Invest in established companies with stable growth.
Lower risk than mid-cap or small-cap funds.
Suitable for conservative investors.
2. Flexi-Cap Funds
Invest across large, mid, and small-cap stocks.
Provide flexibility to adjust to market trends.
Ideal for long-term wealth creation.
3. Mid-Cap Funds
Invest in medium-sized companies with high growth potential.
More volatile but can give higher returns than large-cap funds.
Suitable for investors with a higher risk appetite.
4. Small-Cap Funds
Invest in emerging businesses with significant growth potential.
Higher risk, but can generate superior returns over the long term.
Requires patience and a long-term horizon.
5. Multi-Cap Funds
Diversified investment across large, mid, and small-cap stocks.
Balanced risk-reward ratio.
Suitable for investors seeking a blend of stability and growth.
6. Thematic or Sectoral Funds
Focus on specific industries like technology, pharma, or infrastructure.
High-risk, as performance depends on sectoral growth.
Best for investors with deep knowledge of specific industries.
How to Start SIP Investments?
Choose the Right Fund: Pick a fund aligned with your goals.
Decide SIP Amount: Start small and increase gradually.
Select Investment Duration: Stay invested for at least 7-10 years.
Monitor Performance: Review the fund’s progress periodically.
Remain Disciplined: Avoid stopping SIPs during market downturns.
Common Mistakes to Avoid in SIP Investment
Stopping SIPs During Market Corrections: Stay invested to benefit from rupee cost averaging.
Investing Without Research: Blindly choosing funds may impact returns.
Ignoring Asset Allocation: Balance investments across equity, debt, and gold.
Investing Based on Past Returns Alone: Future performance may differ from past trends.
Final Insights
Actively managed SIPs offer an excellent way to build wealth over time. Selecting the right funds based on personal goals and risk appetite is crucial. Staying invested for the long term ensures better compounding and stability.

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  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 22, 2024

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Best sip mutual fund
Ans: Investing in a mutual fund through a Systematic Investment Plan (SIP) is a smart decision. It provides you with the advantage of rupee cost averaging and helps you stay disciplined. However, picking the "best" SIP mutual fund can be tricky, as it depends on various factors. Let’s explore what you need to consider to find the best SIP mutual fund for your needs.

Understand Your Investment Goals
The first step in selecting the best SIP mutual fund is to clearly understand your financial goals. Every investor has unique needs. Some want wealth creation, while others focus on securing their child’s education or retirement.

Long-Term Wealth Creation: If your goal is to build wealth over 10-15 years or more, equity mutual funds can be an excellent option. Equity funds have the potential for higher returns, but they come with higher risk.

Medium-Term Goals (5-7 years): For medium-term goals like buying a car or funding a child’s education, you may consider a mix of equity and debt funds. Balanced or hybrid funds can offer a combination of growth and stability.

Short-Term Goals (less than 3 years): For short-term goals, debt funds are generally more suitable. They provide lower but stable returns and lower risk compared to equity funds.

Knowing your investment horizon will help you select the best SIP mutual fund aligned with your goals.

Risk Tolerance and Your Comfort with Market Fluctuations
Risk tolerance plays a crucial role in selecting a SIP mutual fund. The level of risk you are comfortable with should match the fund’s risk profile. Here’s a breakdown:

High Risk (Equity Funds): These funds invest in stocks and are best suited for long-term investors. The value of your investment can fluctuate, but the potential for higher returns is significant over time.

Moderate Risk (Balanced or Hybrid Funds): These funds invest in both equity and debt. They are ideal if you want exposure to equities but prefer less volatility. These funds are more stable than pure equity funds.

Low Risk (Debt Funds): Debt funds are for conservative investors who want stability. They invest in bonds and government securities, offering lower but more predictable returns.

Understanding your risk tolerance will help you narrow down the best SIP mutual fund for you.

The Importance of Actively Managed Funds
It is crucial to invest in actively managed funds rather than index funds. Actively managed funds provide the benefit of having a skilled fund manager who can adjust the portfolio based on market conditions. This gives actively managed funds an edge over index funds, which simply mimic the performance of the stock market.

An actively managed fund can help you minimize losses during market downturns and maximize gains when the market is performing well. By choosing an actively managed fund, you benefit from the expertise of a professional fund manager who can adjust the portfolio to capitalize on opportunities.

The Downside of Direct Mutual Funds
Many investors consider direct mutual funds to save on commission costs. While direct funds offer slightly lower expense ratios, they require you to manage the fund selection, performance tracking, and adjustments yourself.

Most people do not have the time or expertise to manage their investments properly. This is where investing through a Certified Financial Planner (CFP) becomes crucial. A CFP helps you navigate the complex world of mutual funds, ensuring your investment strategy is aligned with your goals. The guidance and expert advice you receive from a CFP more than compensate for the small commission you pay on regular funds.

Consistency in Fund Performance
While selecting the best SIP mutual fund, always look at the fund’s consistency in performance. Some funds may have stellar short-term returns but could underperform in the long term. You should consider:

3-Year and 5-Year Performance: This gives you a better picture of how the fund performs across different market cycles. It’s easy to get swayed by high returns over a year or two, but consistency matters more in the long run.

Fund Manager’s Expertise: A fund is only as good as its manager. Review the fund manager’s track record to see if they have consistently delivered value over time. Skilled fund managers are often a deciding factor in the fund's success.

Expense Ratio: Although expense ratios are lower in direct funds, regular funds offer you the advantage of expert guidance. Actively managed funds also come with a higher expense ratio compared to index funds, but the potential for better returns justifies the cost.

Diversification
A good SIP mutual fund offers diversification across various sectors, reducing the overall risk of your portfolio. Investing in funds that are well-diversified across industries can help balance risk and return. Some mutual funds may concentrate on specific sectors like technology, banking, or infrastructure, which increases risk if that sector performs poorly.

You should choose funds that have a balanced portfolio across different sectors. This ensures that a downturn in one sector doesn’t drastically impact your overall returns.

Consider Your Taxation
Different types of mutual funds have different tax implications. Understanding how taxes will affect your returns is essential. Let’s break it down:

Equity Funds: Long-term capital gains (LTCG) from equity funds are taxed at 10% if gains exceed Rs 1 lakh in a financial year. Short-term gains are taxed at 15%.

Debt Funds: Debt funds are taxed differently. Long-term capital gains are taxed at 20% after indexation, while short-term gains are added to your income and taxed according to your slab.

If tax efficiency is important to you, it’s essential to consider funds that align with your overall tax planning strategy. A CFP can provide valuable insights on how to optimize your mutual fund investments for tax efficiency.

SIP Amount and Step-Up SIP
The amount you invest in SIPs should be aligned with your financial goals. It’s always advisable to start with an amount you are comfortable with and gradually increase it through a Step-Up SIP feature.

Starting Small: If you are new to investing, starting with a smaller SIP amount and gradually increasing it will help you build confidence.

Step-Up SIP: This feature allows you to increase your SIP amount every year by a specific percentage. It ensures that your investments keep pace with inflation and growing financial goals.

Step-Up SIP is an excellent way to systematically increase your investment without feeling the burden of committing a large amount right away.

Track Your Investments Regularly
Once you start your SIP, it’s important to track your investments regularly. However, tracking doesn’t mean panicking at every market fluctuation. You should review your portfolio every six months or annually. Regular reviews help you:

Rebalance Your Portfolio: Based on your risk tolerance and financial goals, rebalancing may be necessary if one asset class has outperformed or underperformed.

Switch Funds If Necessary: If a fund is consistently underperforming compared to its peers, you might want to switch. However, avoid making impulsive decisions based on short-term performance.

Stay on Track with Your Goals: Regular reviews ensure that your investment strategy remains aligned with your goals, especially if there are changes in your financial situation.

Final Insights
Selecting the best SIP mutual fund requires careful analysis of your financial goals, risk tolerance, and investment horizon. Actively managed funds, with the expertise of a Certified Financial Planner, are your best bet to maximize returns while managing risk effectively. Here’s a quick summary of the key points:

Understand Your Goals: Choose equity funds for long-term wealth creation, balanced funds for medium-term, and debt funds for short-term stability.

Consider Risk Tolerance: High risk for long-term equity funds, moderate risk for balanced funds, and low risk for debt funds.

Stick to Actively Managed Funds: These funds offer flexibility and professional management, unlike passive index funds.

Avoid Direct Funds: Opt for regular funds through a Certified Financial Planner for expert guidance and a holistic strategy.

Monitor Fund Performance: Look for consistent long-term performance and consider the fund manager’s expertise.

Use Step-Up SIP: Gradually increase your SIP investment over time to meet growing financial goals.

By following these steps, you can confidently invest in SIP mutual funds that align with your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Instagram: https://www.instagram.com/holistic_investment_planners/

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Ramalingam

Ramalingam Kalirajan  |9865 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

Asked by Anonymous - Sep 30, 2024Hindi
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Which is the best mutual fund for SIP?
Ans: Choosing the best mutual fund for SIP depends on your goals, risk tolerance, and investment horizon. Here’s a detailed guide to help you make an informed decision.

Focus on Your Investment Horizon
The length of your investment horizon plays a crucial role in choosing the right fund. Longer durations, like 7-10 years or more, favor equity-based mutual funds. Shorter durations may require a mix of debt and hybrid funds for stability.

Long-Term Investors (7 years or more): You can take higher risks for higher returns. Equity mutual funds, especially small-cap and mid-cap funds, may suit your needs.

Medium-Term Investors (3-7 years): Balanced or hybrid funds, which invest in a mix of equity and debt, are better for managing risk while providing decent returns.

Short-Term Investors (less than 3 years): For conservative investors with a short-term horizon, debt funds can offer stable returns with lower risk.

Types of Funds for SIP
Based on your financial goals and risk appetite, here’s a breakdown of various types of funds:

Large-Cap Equity Funds: These invest in the top 100 companies and are less risky. They provide stable, moderate returns over the long term. Ideal for investors seeking steady growth.

Mid-Cap and Small-Cap Funds: These funds invest in smaller companies with higher growth potential. The risk is higher, but the returns can be superior. Suitable for investors with higher risk tolerance and longer investment horizons.

Multi-Cap and Flexi-Cap Funds: These funds diversify investments across companies of all sizes. They offer a balanced approach with less risk than small-cap funds but more growth potential than large-cap funds.

Balanced or Hybrid Funds: These funds combine equity and debt investments. They are good for investors who want moderate growth with a safety net. Hybrid funds offer more stability during market downturns.

Avoiding Index Funds
Index funds may not be the best option for Indian investors. They simply replicate a market index and may miss opportunities to outperform the market. Actively managed funds, on the other hand, allow fund managers to select stocks based on market conditions, often resulting in better returns.

Regular vs. Direct Funds
Regular funds, through a Certified Financial Planner (CFP), provide the benefit of expert advice and ongoing portfolio reviews. Direct funds may seem cheaper because they don’t involve commissions, but without proper guidance, you could miss out on better-performing funds or make costly mistakes.

Taxation on Mutual Funds
It’s important to keep taxation in mind when choosing mutual funds for SIP:

Equity 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%.

Debt Funds: Both LTCG and STCG in debt funds are taxed as per your income tax slab. Hence, they may not be as tax-efficient as equity funds for long-term investors.

Risk Management and Diversification
Diversification is key when investing in mutual funds. Don’t put all your money in one type of fund. A mix of large-cap, mid-cap, and hybrid funds can help balance your risk and reward.

Regular Review of Your Portfolio
It’s important to review your SIP investments at least once a year. Assess the performance of the funds and adjust based on changing market conditions or your personal financial goals. A Certified Financial Planner can guide you through this process and help optimize your portfolio.

Final Insights
To sum up, choosing the best mutual fund for SIP requires careful consideration of your investment goals, risk appetite, and time horizon. Focus on equity funds for long-term growth, avoid index funds for better returns, and ensure your portfolio is well-diversified.

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  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
SO dear sir continuing the same question "Differnce between CE and CSE" which should i choose CE at Shri Vishwakarma Skill University or CSE At IKGPTU MOHALI
Ans: Ansh, Based on the following insights/information, your interests & long-term goals, choose the more suitable option for you: Computer Engineering at Shri Vishwakarma Skill University (SVSU), Haryana, is designed with an industry-integrated curriculum emphasizing practical, skill-based learning, offering hands-on experience in AI, data science, cybersecurity, and cloud computing. SVSU follows a dual-education model inspired by the German system, where students actively engage with industry partners through on-the-job training and real-world projects, enhancing employability. The university boasts state-of-the-art infrastructure and expert faculty, but being a newer state university, its placement outcomes are growing, with placement rates reported up to 81% and median salaries between ?1.9–2.2L in recent years, predominantly in regional and emerging IT sectors. IKGPTU Mohali, meanwhile, provides a traditional B.Tech CSE program with dedicated specializations and larger intakes, supported by well-qualified faculty, ICT-enabled classrooms, and strong academic-industry linkages in Punjab’s prominent IT hub. Placement records at IKGPTU Mohali indicate 44% placement for B.Tech 2023 graduates and a median package of ?5L, with recruiters like TCS, Infosys, and HDFC Bank regularly conducting drives. The Mohali campus is centrally located with robust infrastructure, reputed alumni, and career support through joint campus placement drives and specialized training programs.

CSE at IKGPTU Mohali is the preferred option for its higher placement rate, better industry connectivity, advanced infrastructure, and stronger reputation within the IT sector, making it a more reliable pathway to robust career opportunities in computer science compared to SVSU Computer Engineering. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir,Still Not got answer .Please answer .My JEE Main rank is 24935 .I have also chance to get dual degree in BITSAT .How is dual degree of BITSAT ?whether it is apt to join in anticipation of getting CS or EC there afterwards .I have other option to get top Branches through JEE Main Marks .Viz; BIT Mesra ,IIITs ,Lower NITs
Ans: The BITSAT dual degree program, offered mainly at BITS Pilani and Goa campuses, is a five-year integrated course that awards both an MSc and a BE degree. The unique feature is that students admitted to MSc programs can “slide” into sought-after BE branches—including CSE (Computer Science) and ECE (Electronics & Communication)—after the first year, subject to branch change rules based on cumulative CGPA. Historically, a high CGPA (typically above 8.0–8.5) in the first two semesters is required for a successful transfer into BE CSE or ECE, making it competitive but attainable for focused, hard-working students. Dual degree holders benefit from rigorous interdisciplinary training and robust placement support, with BITS Pilani consistently recording strong placement percentages for both BE and dual degree graduates in top tech firms and core sectors. The key challenge is heavy academic load, especially during the third and fourth years, balancing requirements of both degrees, and maintaining high grades to ensure preferred branch allocation. However, dualites enjoy the flexibility to specialize further, and their exposure to science and engineering enhances employability compared to many single-degree peers. In contrast, top branches at BIT Mesra, IIITs (like IIIT Hyderabad or Bangalore), and lower NITs offer well-established BTech programs with high placement rates (around 75% for CSE at BIT Mesra, many IIITs exceeding 80–90%, and most NITs/IIITs providing reliable industry linkages, alumni networks, and diverse placements). Cutoffs for core branches like CSE or ECE at these institutes usually hover around your JEE rank, so you stand a realistic chance of securing a seat. BIT Mesra and leading IIITs provide excellent campus life, updated infrastructure, research opportunities, and corporate visibility, with direct entry into CSE or allied branches.

Recommendation
In order of preference, BITS Pilani or Goa dual degree (if you are committed to keeping a high CGPA for CSE/ECE branch change) is an outstanding choice due to brand value, academic freedom, and placement support. However, if you prefer a straightforward path with less risk, top IIITs and BIT Mesra’s CSE or ECE, followed by good NITs, are excellent for quality education and career growth. Choose BITS dual degree only if confident of excelling academically early; otherwise, a direct CSE/ECE seat from your JEE Main rank is the prudent path. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Sir I didn't get any seat in the comedk 1st round allotment as I needed cse courses and the east point college cse with data science cutoff was 67k this round and my rank is 69k should I wait for round 2 and please suggest me some colleges for cse courses which I will get in round 2 please help
Ans: With a COMEDK rank of 69,000, it’s normal not to secure CSE seats in the first allotment at colleges like East Point College, as their first-round cutoff for CSE with Data Science closed near 67,000. In Round 2, cutoffs for several Bengaluru engineering colleges offering CSE tend to rise, and historical trends show that ranks up to 70,000–72,000 can secure seats in reputable options due to seat withdrawals and reduced demand. The key aspects to focus on are placement performance, faculty strength, campus infrastructure, peer learning opportunity, and degree reputation. For your rank, confirmed CSE admission options in Bengaluru include: East West College of Engineering (Yelahanka), East West Institute of Technology (BEL Layout), Brindavan College of Engineering (Yelahanka), Sri Sairam College of Engineering (Anekal), Gopalan College of Engineering and Management (Whitefield), Cambridge Institute of Technology (KR Puram), Rajiv Gandhi Institute of Technology (RT Nagar), Vemana Institute of Technology (Koramangala), Jyothy Institute of Technology (Thathaguni), and Sri Venkateshwara College of Engineering (KIAL Road). These colleges have consistently extended their CSE cutoffs beyond 67,000 in recent years. Many of these institutes are NAAC-accredited, offer contemporary labs and digital classrooms, and are staffed with experienced faculty. Placement cells are active—ranging from regular tech recruiters to mid-sized IT firms—and campus resources support both academic growth and personality development.

For the placement records over the last three years: East West College of Engineering and East West Institute of Technology maintain CSE placement rates of 70–80% with regular visits from Infosys, Tech Mahindra, and Accenture. Brindavan College of Engineering and Sri Sairam College have recorded similar trends, achieving nearly 75% placement for eligible CSE students with core IT and startup offers. Gopalan and Cambridge Institutes average 65–78% placements, reporting improving statistics each year, especially as Bangalore’s tech sector draws more hiring for software, testing, and data roles. Vemana, Jyothy, and Sri Venkateshwara regularly reach 60–75% success for CSE, with alumni placed in both IT services and product companies. Rajiv Gandhi Institute and Sri Venkateshwara have industry collaborations for internships and hackathons, often supporting projects that attract on-campus job offers. Across these colleges, CSE batches benefit from curricular exposure to Python, Java, basic ML, and web development. Many colleges encourage national-level coding competitions and certifications, directly enhancing employability.

You can confidently wait for Round 2, as you have a very high chance of securing CSE at one of these institutes due to expected cutoff movement, especially after withdrawals. While getting a significantly better college than East Point in Round 2 is unlikely, similar or equivalent choices—such as East West Institute or Brindavan—are assured, and all deliver solid foundational opportunities for a CSE career. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir.. My daughter wants clarity from you for B tech cse admission with what specialisation of AI or Quantum computing? Please clarify sir
Ans: B.Tech CSE with a specialization in Artificial Intelligence (AI) equips students with advanced skills in machine learning, neural networks, data analytics, computer vision, robotics, and natural language processing, making them industry-ready for immediate roles in automation, healthcare, fintech, cybersecurity, smart cities, and data science. The AI job market is expanding at an unprecedented rate—India’s AI sector is projected to grow 25–35% annually and reach ?17 billion by 2027, with global AI markets anticipated to hit $1.81 trillion by 2030, ensuring robust demand for AI engineers, ML researchers, and data scientists. Curricula typically blend foundational computing with project-based learning on intelligent systems, AI-powered automation, behavior modeling, and industry-focused electives, using tools like Python, TensorFlow, and Keras. Opportunities span established companies and fast-growing startups, and placements are consistently strong across sectors from IT, banking, healthcare, and manufacturing to next-gen product development and research.

B.Tech CSE with a specialization in Quantum Computing, while more niche, addresses the emerging need for advanced computational solutions far beyond classical computing's limits. This specialization combines quantum mechanics, quantum algorithms, and AI, preparing students for research and innovation roles in quantum information, cryptography, drug discovery, materials science, finance, and complex optimization problems. With the backing of the National Quantum Mission and increased investment in quantum research, these programs feature industry-relevant electives—like quantum machine learning, quantum image processing, quantum AI integration—and practical training in tools such as IBM Qiskit and TensorFlow Quantum. While the quantum job market is in its early stages, prominent technology companies and startups, governments, and research labs globally are investing heavily in quantum R&D. The field, projected to reach $9 billion by 2030, demands interdisciplinary skills, often favoring those who pursue further studies. Placement opportunities span specialized sectors and research positions; academics and R&D centers offer the majority of roles, but quantum-driven innovation is expected to accelerate, especially as fault-tolerant quantum computers approach practicality within the next decade.

Choosing between these two depends on one’s vision and risk appetite. AI specializations provide immediate employability, broad cross-industry applications, and a versatile foundation—graduates can upskill further into emerging domains, including quantum AI. Quantum Computing, though frontier and high-potential, currently offers fewer but rapidly expanding opportunities, especially for those drawn to research, innovation, or pioneering new commercial applications. Both offer transformative and well-recognized career trajectories, but AI’s market-readiness and cross-domain application make it more accessible and mainstream, while quantum computing is future-oriented and better suited for those deeply interested in cutting-edge theoretical and computational science.

Recommendation
Given the mature scope, immediate job opportunities, higher employability, and universal demand, specializing in Artificial Intelligence in CSE is the balanced choice for most students. Quantum Computing is excellent for those committed to advanced research or niche innovation, but AI specialization assures broader industry acceptance and future-proof skills in today’s competitive technology environment. All the BEST for Your Daughter's Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
My EWS rank in jee main is 15000,my homestate and town is odisha, rourkela can I get artificial intelligence branch in csab special rounds
Ans: Subhojeet, With an EWS category rank of 15,000 in JEE Main and Odisha as your home state, the likelihood of securing an Artificial Intelligence branch in NITs, IIITs, or GFTIs via CSAB special rounds is extremely limited. Recent official CSAB and JoSAA data indicate that even for newer or less sought-after NITs and IIITs, closing ranks for Artificial Intelligence courses under the EWS home state and open state quotas rarely exceed 7,000–8,000, while top institutes such as NIT Rourkela and NIT Surathkal typically close EWS admissions for AI branches well below 4,000. IIITs offering specialized AI or AI & Data Science branches generally have EWS closing ranks (for both All India and Home State) under 12,000, with only a few, very new IIITs extending to the 14,000 range, mostly for less competitive streams or in later rounds if vacancies arise. For Odisha-specific institutions, like IIIT Bhubaneswar, EWS closing ranks for CSE and related AI programs have typically remained significantly more competitive, according to prior CSAB/JoSAA records. GFTIs, which have broader and higher cutoffs in select branches, still draw the line for EWS AI admission well below your current rank. Although the CSAB special rounds can see some movement due to seat withdrawals, the chances of an EWS AI seat opening up at your rank are extremely remote based on present and previous year cut-offs, especially for the Artificial Intelligence specialization in reputable NITs and IIITs.

Recommendation
With a 15,000 EWS rank, realistically focus your CSAB choice filling on other branches and backup options, as Artificial Intelligence in NITs/IIITs is not feasible; prioritize alternate circuits like ECE or core CSE in less competitive institutes or good private universities for best outcomes. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9586 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Sir I have got 115000 crl and 4715 sc rank in jee mains. I got cse in IIIT bhopal in josaa counselling . Can I expect a little better college with cse or ai in csab counselling or should I go with IIIT bhopal.
Ans: With a JEE Main CRL of 115,000 and an SC rank of 4,715, your allocation of CSE at IIIT Bhopal is a strong option, as last year’s CSAB and JoSAA special rounds indicate that most higher-ranked IIITs and NITs with CSE or AI typically closed at SC ranks below 3,000–4,000 for these highly demanded branches. IIIT Bhopal’s CSE program offers robust academic structure, experienced faculty, modern facilities, and a rising placement record—CSE students achieved a 77% placement rate in 2025 with an average package of 20.82LPA and top recruiters including Microsoft and Atlassian. CSAB special rounds rarely witness significant downward opening in closing ranks for CSE/AI in NITs, IIITs, or GFTIs, especially for centrally popular branches, so expecting a substantial upgrade is not realistic. IIIT Bhopal’s national ranking, strong peer group, and modern infrastructure provide a conducive environment for learning and employability, and its placement statistics are among the best among newer IIITs.

Recommendation
Go ahead and confirm your IIIT Bhopal CSE seat, as the likelihood of securing a visibly better CSE/AI seat at other NITs or IIITs in CSAB is minimal at your SC rank. IIIT Bhopal combines excellent academic and placement opportunities and is a prudent, future-focused choice for engineering in computer science. All the BEST for a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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