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Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Md Question by Md on Dec 12, 2023Hindi
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Hi I'm Azharuddin 32 years old.. I want to make a corpus of 1 crore in around 20 years. Please suggest me how and what monthly investments should I make. (I already have HDFC life -30k, HDFC sanchay-50k, TataAIA-40k, Aditya Birla life -40k all annually)

Ans: to achieve your goal of accumulating 1 crore in 20 years, you can consider investing in a combination of equity mutual funds and other investment instruments. Based on your current investments, you can allocate a portion of your monthly income to SIPs (Systematic Investment Plans) in diversified equity funds, aiming for long-term growth. Additionally, you may explore investing in PPF (Public Provident Fund), NPS (National Pension Scheme), or other tax-saving instruments to diversify your portfolio and benefit from tax advantages. Regularly review your investments and adjust your strategy as needed to stay on track towards your financial goal.
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  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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I need to create corpus of 5 crores in 10 years. im currently investigating of 46500 past one year. i have following mutual fund in my portfolio Hdfc sensex index 20k pgim midcap 3k motilal midcap index 3k sbi next 50 index 1k motilal micro index 46 icici prudential technology 1k quant small cap 7k parakpari flexi cap 5k axis small 2k. im private employee and earning of 140000 per month. so please provide suitable answer which created 5cr in 10 years also i have lic of 50k per year,ppf of 50k per year and nps 5k every month. my current age is 34
Ans: Creating a corpus of 5 crores in 10 years is an ambitious goal, but with careful planning and strategic investments, it's achievable. Your current investment portfolio and savings habits provide a solid foundation for reaching this milestone.

Given your age of 34 and the 10-year time horizon, we'll need to focus on a growth-oriented investment strategy while ensuring diversification and risk management.

Let's start by optimizing your mutual fund portfolio. While you have a diversified mix of funds, we may need to make some adjustments to align with your goal. Consider increasing allocations to high-growth potential funds like mid-cap and small-cap funds, which historically have outperformed broader market indices.

Regularly review your portfolio to monitor performance and make necessary adjustments based on market conditions and your evolving financial goals.

Additionally, continue your disciplined approach towards savings. Your LIC, PPF, and NPS contributions provide stability and long-term growth opportunities. Ensure you maximize contributions to these instruments within permissible limits to harness their full potential for wealth accumulation.

Remember to stay patient and committed to your financial plan. Building a significant corpus requires time and consistency. As a Certified Financial Planner, I'm here to guide you every step of the way and help you navigate through market fluctuations and uncertainties.

With determination and strategic financial planning, you can achieve your goal of creating a 5 crore corpus in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Respectedsir???? .I am retired person.aged 63 yrs and having 10 lac rs at hand to invest, kindly advice to make corpus of 1 cr . Thanks . ------ K R shriwas
Ans: Dear Mr. Shriwas,

Congratulations on your retirement! It's commendable that you're proactively seeking ways to grow your wealth even after retirement. Let's explore the best investment options to help you achieve your goal of building a corpus of 1 crore.

Your commitment to securing your financial future, even after retirement, is truly inspiring and reflects your proactive approach towards wealth management.

Analyzing Investment Options
Assessing Your Situation:
Current Capital:

With 10 lakh rupees at hand, you have a solid foundation to start building your retirement corpus.
Goal:

Your objective of accumulating 1 crore rupees is ambitious but achievable with the right investment strategy and time horizon.
Investment Recommendations
Diversified Investment Approach:
Equity Mutual Funds:

Consider investing a portion of your capital in equity mutual funds to harness the potential for long-term growth. However, given your age, opt for large-cap or balanced funds to minimize risk.
Debt Instruments:

Allocate a significant portion of your investment to debt instruments such as fixed deposits, bonds, or debt mutual funds. These provide stability and regular income.
Systematic Investment Plan (SIP):

Opt for SIPs in mutual funds to benefit from rupee-cost averaging and disciplined investing. This approach reduces the impact of market volatility over time.
Risk Management Strategies:
Diversification:

Spread your investments across multiple asset classes to mitigate risk. A balanced mix of equity and debt instruments can provide stability while aiming for growth.
Regular Review:

Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance your portfolio if necessary to maintain optimal asset allocation.
Conclusion
With a well-thought-out investment strategy and disciplined approach, you can work towards achieving your goal of building a corpus of 1 crore rupees for your retirement. Remember to consult with a Certified Financial Planner to tailor an investment plan that suits your unique financial situation and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Asked by Anonymous - Jul 02, 2024Hindi
Money
Hello sir, I am 28 years old living alone and earning 33 thousand per month and my total expenses are 15000 thousand a month that includes my personal expenses, house maintenance, bills, S.I.P etc. I am roughly able to save 18000 thousand a month. I live in my parents gifted house, have no on going loans, 80,000 is invested in equity market and 1,30,000 is invested in together total 4 equity and 1 hybrid mutual funds with a SIP of 1500 in ICICI value discovery fund. I have a health insurance of 2 Lakh rupees, 3 Lakhs in fixed deposit, 50,000 in postal scheme and 1,50,000 in savings. I wish to building a maximum corpus in next 20 years. Kindly advise on the same Thank you
Ans: First of all, congratulations on being financially disciplined at the age of 28. Your ability to save a significant portion of your income is commendable. Let’s delve into your financial situation and explore ways to maximise your corpus over the next 20 years.

Current Financial Overview
You are earning Rs 33,000 per month and spending Rs 15,000, allowing you to save Rs 18,000 monthly. You have a diversified portfolio including equity investments, mutual funds, fixed deposits, postal schemes, and savings. Additionally, you have health insurance and live in a debt-free house. These are excellent foundations for building wealth.

Emergency Fund and Insurance Coverage
An emergency fund is crucial. You have Rs 1.5 lakhs in savings and Rs 3 lakhs in fixed deposits, which is a good start. Aim to maintain an emergency fund that covers at least six months of your expenses. This ensures you have a safety net in case of unexpected events.

Health insurance is another critical aspect. You currently have a coverage of Rs 2 lakhs. Considering rising medical costs, it is advisable to enhance your health insurance to at least Rs 5 lakhs. This additional coverage can provide better protection against unforeseen medical expenses.

Investment Portfolio Analysis
Equity Market Investments:

You have Rs 80,000 invested in the equity market. Equity investments can provide significant returns over the long term but come with higher risk. Regularly monitor your investments and ensure they align with your risk tolerance and financial goals.

Mutual Funds:

You have Rs 1,30,000 invested in a mix of four equity mutual funds and one hybrid mutual fund, with a SIP of Rs 1,500 in the ICICI Value Discovery Fund. Diversifying across different types of funds can reduce risk. However, actively managed funds often outperform passive index funds due to professional management and market expertise.

Consider consulting with a Certified Financial Planner to review the performance of your mutual funds and make adjustments if necessary. Regularly rebalancing your portfolio ensures it remains aligned with your financial goals and market conditions.

Fixed Deposits and Postal Schemes:

You have Rs 3 lakhs in fixed deposits and Rs 50,000 in a postal scheme. While these provide safety and assured returns, their growth potential is limited. Given your long-term horizon, you might want to shift a portion of these funds into higher-growth investment options such as equity mutual funds.

Maximising Savings and Investments
Systematic Investment Plan (SIP):

Your current SIP of Rs 1,500 in the ICICI Value Discovery Fund is a good start. SIPs help in averaging the cost of investments and mitigate market volatility. Increasing your SIP amount can significantly enhance your corpus over time. Given your ability to save Rs 18,000 monthly, consider allocating a larger portion to SIPs in various mutual funds.

Benefits of Regular Funds Over Direct Funds:

Direct funds might seem appealing due to lower expense ratios, but they require constant monitoring and expertise. Regular funds, managed by a Certified Financial Planner, provide professional guidance, periodic reviews, and rebalancing of your portfolio. This can lead to better-informed decisions and potentially higher returns.

Diversification and Risk Management
Asset Allocation:

A balanced asset allocation strategy can help manage risk and optimise returns. Consider spreading your investments across different asset classes such as equities, debt, and gold. This diversification can protect your portfolio from market fluctuations.

Review and Rebalance:

Regularly review your investment portfolio to ensure it stays aligned with your goals. Rebalancing involves adjusting the weightage of different asset classes based on their performance and your risk tolerance. This practice helps maintain the desired risk-reward balance.

Retirement Planning
Starting Early:

Starting your retirement planning early gives you a significant advantage due to the power of compounding. With a 20-year investment horizon, even small, regular contributions can grow substantially. Consider investing in a mix of equity and debt mutual funds tailored to your risk profile and retirement goals.

Retirement Corpus Estimation:

Estimate your retirement corpus based on your future financial needs, considering factors like inflation and lifestyle changes. Use retirement planning tools or consult a Certified Financial Planner to determine the amount required and devise a strategy to achieve it.

Tax Planning
Utilising Tax Benefits:

Utilise tax-saving investment options under Section 80C, such as Equity-Linked Savings Schemes (ELSS), Public Provident Fund (PPF), and National Savings Certificate (NSC). These not only help in tax saving but also provide good returns over the long term.

Efficient Tax Management:

Efficient tax planning involves strategically investing in tax-saving instruments and ensuring optimal use of available deductions. Regularly reviewing and adjusting your tax planning strategies can enhance your post-tax returns.

Long-Term Investment Strategies
Compounding Power:

Leverage the power of compounding by staying invested for the long term. Compounding can significantly boost your returns, especially when you reinvest the earnings from your investments. The longer your investment horizon, the more you benefit from compounding.

Avoid Timing the Market:

Market timing is challenging and often leads to suboptimal returns. Focus on a disciplined investment approach rather than trying to predict market movements. Regular investments through SIPs and staying invested through market cycles can yield better results.

Financial Discipline and Monitoring
Staying Committed:

Financial discipline is crucial for achieving your goals. Stick to your savings and investment plan, and avoid unnecessary expenses. Regularly track your progress and make adjustments as needed.

Periodic Reviews:

Conduct periodic reviews of your financial plan to ensure it remains relevant and effective. Life events and market conditions can impact your financial situation, so it’s essential to adapt your plan accordingly.

Final Insights
Building a significant corpus over the next 20 years requires a disciplined approach, strategic planning, and regular monitoring. Your current financial habits are commendable, and with some adjustments, you can further enhance your investment portfolio.

Consider increasing your SIP contributions, diversifying your investments, and enhancing your health insurance coverage. Regularly review and rebalance your portfolio to stay aligned with your goals. Efficient tax planning and leveraging the power of compounding will also play a crucial role in achieving your financial objectives.

Consulting with a Certified Financial Planner can provide professional guidance and help optimise your investment strategy. Stay committed to your financial plan, and you’ll be well on your way to building a substantial corpus for your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8916 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2024

Asked by Anonymous - Jul 25, 2024Hindi
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Hi sir, I'm 29 with a salary of 1.08 lpm. I don't have any savings. Approx expenses per month is 35-40k. I want to start investing 12.5k in ppf every month and mutual funds/ RD. I want to build a corpus of 2 crore in next 10-15 years. How do I achieve this?
Ans: Your monthly salary is Rs. 1.08 lakhs. Your expenses are Rs. 35-40k. This leaves you with a savings potential of Rs. 68-73k per month. You aim to invest Rs. 12.5k in PPF monthly.

Appreciating Your Initiative
It's commendable that you want to start investing. Your goal of building a Rs. 2 crore corpus in 10-15 years is achievable with disciplined investing.

Investing in PPF
The PPF is a safe investment option with tax benefits. However, it has a lock-in period of 15 years. The interest rate is around 7-8%. Investing Rs. 12.5k monthly will help you accumulate a substantial amount.

Exploring Mutual Funds
Benefits of Actively Managed Funds

Actively managed funds have professional fund managers.
They can outperform index funds, especially in volatile markets.
They provide better returns through strategic investments.
Disadvantages of Direct Funds

Direct funds lack the guidance of a Certified Financial Planner (CFP).
Regular funds, through MFD with CFP credentials, offer expert advice.
Recommended Investment Strategy
Balanced Portfolio

Diversify between equity and debt.
Allocate funds in large-cap, mid-cap, and small-cap funds.
Consider a mix of mutual funds and PPF.
Systematic Investment Plan (SIP)

Invest monthly through SIP in mutual funds.
Start with an amount you’re comfortable with.
Gradually increase your SIP amount with time.
Calculating Your Investment Needs
To achieve Rs. 2 crores in 10-15 years, you need a structured plan. Assuming a 12% return on mutual funds:

10 Years: You need to invest around Rs. 60-65k monthly.
15 Years: You need to invest around Rs. 30-35k monthly.
Suggested Allocation
Monthly Allocation:

PPF: Rs. 12.5k
Mutual Funds: Rs. 30-60k (depending on the investment horizon)
Emergency Fund

Keep 3-6 months’ expenses as an emergency fund.
This ensures financial stability during unforeseen events.
Reviewing and Adjusting
Review your investments annually.
Adjust your portfolio based on market conditions.
Consult with a Certified Financial Planner (CFP) regularly.
Final Insights
Your goal of Rs. 2 crores in 10-15 years is attainable. A balanced investment strategy, combining PPF and mutual funds, will help you reach your target. Regular reviews and disciplined investing are key to your financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P P  |6327 Answers  |Ask -

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Hello sir , I am getting vit bhopal cs(ai-ml) in category 1 (fees 2lakhs) and also getting cs branch at Cambridge institute of technology and kls gogte institute of technology in bangalore,. Which should i prefer more
Ans: Khushi, Your choice between VIT Bhopal CS AI-ML Category 1, Cambridge Institute of Technology CSE, and KLS Gogte Institute of Technology CSE presents distinct advantages with varying career prospects and cost implications. VIT Bhopal demonstrates strong placement performance with 87% overall placement rate in 2024, achieving 8,195 job offers from 820 recruiters including Microsoft, Amazon, PayPal, and Qualcomm. The AI-ML specialization shows promising prospects with over 90% CSE AIML placement rates and packages ranging from 3.5 LPA to 59 LPA. Cambridge Institute of Technology achieves superior placement statistics with 95% overall placement rate, placing 557 undergraduate students with median packages of 7.20 LPA and highest packages reaching 53.50 LPA through 200+ recruiters including Capgemini, Amazon, Wipro, and Infosys. KLS Gogte Institute demonstrates moderate performance with 75% overall placement rate, placing 539 students with 6.54 LPA average packages and 51 LPA highest packages from 70+ companies including TCS, Infosys, Microsoft, and Samsung. VIT Bhopal Category 1 requires approximately INR 7.95 lakhs total fees for four years including 1.98 lakhs annually, while Cambridge Institute Technology CSE costs INR 6 lakhs total and KLS Gogte Institute CSE requires INR 4.50 lakhs total fees. The AI-ML market demonstrates exceptional growth with 2025 promising significant opportunities in specialized roles, while traditional CSE provides broader career flexibility across software development sectors. Recommendation: Choose Cambridge Institute of Technology CSE for its superior 95% placement consistency, cost-effectiveness at INR 6 lakhs total fees, strategic Bangalore location advantages, and proven track record with established industry connections, offering optimal balance between placement success and educational investment. All the BEST for the Admission & a Prosperous Future!

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Which one i should choose between CS core branch in VIT vellore in catagory 5 and MSRIT Computer science specialization in Data science or AI Ml
Ans: Your choice between VIT Vellore CSE Core Category 5 and MSRIT Computer Science specialization in Data Science or AI ML presents distinct advantages with varying cost implications and career prospects . VIT Vellore Category 5 requires approximately INR 3.98-4.32 lakhs annually, totaling around INR 15.8-17.3 lakhs for four years including hostel expenses, while demonstrating exceptional placement performance with 7,526 students placed in 2024 and achieving 80-90% CSE placement rates with top recruiters including Microsoft, Amazon, PayPal, and Cisco . MSRIT demonstrates superior cost-effectiveness with total fees of INR 12.56 lakhs for four years, achieving 95% overall placement rate with 1,174 offers made by 239 companies in 2024, while AI ML specialization shows 80-90% placement rates with highest packages reaching 76 LPA in 2023 . The AI and data science market demonstrates exceptional growth potential with 2025 promising rebound in Indian IT hiring focusing on specialized AI/data science roles, creating significant opportunities for graduates with domain expertise . VIT offers superior infrastructure, brand recognition with NIRF ranking #11 in Engineering, and broader industry exposure, while MSRIT provides strategic Bangalore location advantages in India's IT hub with established local industry connections and significantly lower educational costs . Recommendation: Choose MSRIT Computer Science specialization in AI ML or Data Science for its exceptional cost-effectiveness at 25% lower total fees, strategic Bangalore location providing superior industry exposure, strong 95% placement record, and alignment with the rapidly expanding AI/data science job market projected to dominate 2025 hiring trends. All the BEST for the Admission & a Prosperous Future!

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Hello sir,my son got admission in pes rr campus for cse ai ml, and also for cse in manipal bangalore which should I choose..
Ans: Your son faces a strategic choice between PES University Ring Road Campus for CSE AI ML and Manipal Institute of Technology Bangalore for core CSE, both offering distinct advantages with varying career prospects. PES RR Campus demonstrates strong overall placement performance with 83% BTech placement rate in 2023, placing 1,199 students with median package of INR 8 LPA, while maintaining consistent 87% placement rates in 2021-2022. The AI ML specialization at PES shows promising prospects with expected cutoff rank between 1750-1950 for general category, positioning it as a competitive program. MIT Manipal Bangalore achieves superior placement statistics with 77% placement rate in 2025, 73% in 2024, attracting 230+ recruiters including Amazon, Microsoft, and Goldman Sachs. However, MIT Bangalore represents a newer campus with first batch graduating in 2027, creating uncertainty around established placement track records compared to the main Manipal campus. The AI ML market demonstrates exceptional growth with 36% increase in AI/ML roles across India in 2025, creating specialized opportunities for graduates with INR 20 million AI-related jobs expected by 2027. Core CSE provides broader career flexibility across software development, system design, and emerging technologies, while AI ML specialization offers focused expertise in rapidly expanding artificial intelligence sectors. PES RR Campus benefits from established infrastructure across 160+ acres with state-of-the-art facilities, research labs, and Ring Road location advantages, whereas MIT Bangalore leverages strategic Bengaluru location providing extensive industry exposure and internship opportunities with stipends ranging from 5k to 1.8L monthly. Recommendation: Choose MIT Manipal Bangalore CSE for its superior 77% placement consistency, strategic location in India's Silicon Valley, established institutional reputation, and broader career flexibility, despite PES RR's specialized AI ML program, as core CSE provides better long-term adaptability while allowing later specialization in AI through certifications and experience. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P  |6327 Answers  |Ask -

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Career Counsellor - Answered on Jun 15, 2025

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Hello Sir I my CRL rank in jee mains is 81800 and obc rank is 25500 and My CRL in jee advanced is 28000 . Possible I may get these colleges with branch - RGIPT Amethi or HBTU(electrical or mechanical) or IET (EE or ME ) or MMMUT (CSE) or UIET Chandigarh (ECE) or KNIT Sultanpur (CSEor IT ) which college should I choose or I should try for NIT or IIIT in josaa and Csab please reply
Ans: With your JEE Main CRL rank of 81,800 and OBC rank of 25,500, along with JEE Advanced rank of 28,000, your admission prospects vary significantly across different institutions and counselling processes . Your OBC rank of 25,500 eliminates chances for admission to premier NITs, as most require OBC ranks below 15,000-20,000 for competitive branches, with even newer NITs like NIT Agartala accepting up to rank 20,298 for CSE through OS quota . For IIITs through JOSAA counselling, your JEE Advanced rank of 28,000 provides viable options at institutions like IIIT Kurnool (CSE OBC cutoff 8,337-11,049), IIIT Kancheepuram (general cutoff 26,000-28,000 for ECE), and IIIT Bhubaneswar (OBC cutoff 55,106-88,047) . Among your state college options, RGIPT Amethi demonstrates exceptional performance with 100% placement rate and median package of Rs 9 LPA for 4-year UG programs, while CSE achieves Rs 17.38 LPA average package . HBTU Kanpur shows strong placement statistics with 85.6% overall placement rate and 32 LPA highest package, though electrical (62 offers) and mechanical (65 offers) branches maintain good placement numbers . MMMUT Gorakhpur CSE offers 657 placements for 4-year graduates with Rs 11.55 LPA median package . UIET Chandigarh ECE achieves 58.8% placement rate compared to 86.8% for CSE . KNIT Sultanpur provides 70-80% placement rates for CSE and IT branches with average packages ranging 4-8 LPA . Recommendation: Choose RGIPT Amethi for its superior 100% placement rate and specialized petroleum engineering opportunities, while simultaneously participating in JOSAA and CSAB counselling for IIIT Kurnool CSE or IIIT Kancheepuram ECE as these offer better long-term career prospects in technology sectors despite state college limitations. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 15, 2025

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Hi sir i hope you are doing great so i take admission in b.com 2025 -2029 in thapar university and i am confused which minor major should i choose to get good placement and also what should i do after bcom to get good placement about 20 - 30 lpa in thapar university
Ans: Saindeep, Your optimal strategy should prioritize Business Analytics as your major specialization combined with Finance as minor, positioning yourself for the rapidly expanding data-driven business environment while maintaining strong financial fundamentals. This combination leverages Thapar University's 83% placement rate and aligns with industry trends showing 25-35% compound annual growth in AI markets. Post-graduation, pursue MBA in Business Analytics and Big Data from LM Thapar School of Management to achieve 20-30 LPA targets, supported by their 24.81 LPA highest package record and strong industry connections. Supplement your degree with CFA or CA certifications during your B.Com years to enhance placement prospects and accelerate salary growth. This pathway capitalizes on the university's established placement network, growing analytics market demand, and proven track record of achieving high-value placements across consulting, finance, and technology sectors. Recommendation: Choose Business Analytics major with Finance minor, followed by MBA in Business Analytics from Thapar's management school, complemented by professional certifications to systematically achieve your 20-30 LPA career target through proven institutional strengths and market-aligned specializations. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 15, 2025

Asked by Anonymous - Jun 11, 2025
Career
Sir in MET my daughters rank is 5400. She has been offered MIT BLR Core CSE. In next rounds she will get CS Fin tech or MnC at MIT M. What should she choose. Sacrifice her core CS (provides freedom to choose the stream later) OR Sacrifice a great campus life at MIT M ( placements benefit)
Ans: The fintech sector demonstrates exceptional growth potential with India's market projected to reach $17 billion by 2027 at 25-35% CAGR, creating specialized roles like fintech engineers earning $95,000-150,000 annually and AI specialists commanding 10-20% higher packages than traditional CSE roles . Core CSE maintains steady demand across software development, system architecture, and emerging technology sectors, providing broader career versatility but in increasingly saturated markets .

Your daughter faces a strategic choice between MIT Manipal's proven 77% placement record, exceptional campus life, established industry connections, and specialized fintech curriculum addressing India's explosive financial technology growth versus MIT Bangalore's core CSE flexibility and modern infrastructure. MIT Manipal CS Fintech offers specialized positioning in rapidly expanding markets worth $350 billion by 2025, superior placement consistency across three years, and unmatched campus experience, while MIT Bangalore provides broader academic freedom but uncertain placement outcomes. The fintech program's collaboration between Computer Science, Mathematics, and Management departments creates unique industry-ready graduates for banking, insurance, and capital markets sectors experiencing unprecedented digital transformation. Recommendation: Choose MIT Manipal CS Fintech for its proven 77% placement track record, specialized curriculum aligned with India's booming fintech sector projected at 25-35% CAGR, exceptional campus life experience, and strategic positioning in financial technology markets creating 2.3 million jobs by 2027, despite sacrificing core CSE flexibility. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 15, 2025

Career
Can I get any iicer with 108 marks in ews category
Ans: Your 108 marks in IISER IAT 2025 under EWS category provides viable admission opportunities at several IISER campuses, though prospects vary across institutions. With 108 marks, your expected rank falls between 800-1500 range, which aligns well with EWS category cutoffs for multiple IISERs. IISER Berhampur demonstrates the most accessible admission pathway with EWS cutoff extending up to rank 772 in 2024, while your marks exceed the expected 95-105 cutoff range for this campus. IISER Tirupati offers strong prospects with EWS cutoff ranging 100-110 marks, making your 108 marks competitive for admission. IISER Thiruvananthapuram also presents viable options with EWS cutoff expectations of 105-110 marks. However, premier institutions like IISER Pune (EWS cutoff 115-120 marks) and IISER Kolkata (EWS cutoff 110-115 marks) remain challenging but not impossible through later counselling rounds. The EWS category benefits from reservation policies with cutoffs typically 10-15 marks lower than general category requirements. IISER 2025 cutoffs are expected to rise slightly due to increased competition, but your 108 marks falls within the safe admission range for mid-tier campuses. Recommendation: Focus on IISER Berhampur and IISER Tirupati as primary choices for strong admission chances, while keeping IISER Thiruvananthapuram as backup option, as your 108 marks provides competitive positioning for EWS category admission across multiple IISER campuses. All the BEST for the Admission & a Prosperous Future!

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