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Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 02, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Oct 02, 2024Hindi
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I m hvng liquid assets of approx 4. 0 cr..which includes MF portfolio of about 1 cr. FDs of 3.0 cr.. .besides gold and sundry investment...my monthly expenses are 50-75 K per month....I m 66 yrs old ..is it enough

Ans: Hello;

I believe you have FDs with big government banks.

Please bear in mind the aspect of reinvestment risk and interest rate risk.

Also I presume that your MF investments are into liquid, ultra short duration or Arbitrage type fund which have low to moderate risk and easy liquidity.

Please ensure adequate healthcare coverage for self and family for any exigencies.

Considering your monthly expenses of 50-75 K, your monthly income from FD interest seems sufficient.

Happy Retirement!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.
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  |9447 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Asked by Anonymous - Apr 25, 2024Hindi
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Hi sir, i am 37. Investing 15000 in 04 MFs, 37500 total in 02 PPFs and 01 SSY, 20000 in NPS each month. I've 1 daughter and 1 son of 7 yrs and 3 yrs respectively. Is it sufficient for me in future?????
Ans: It's wonderful to see your proactive approach towards securing your family's future. Let's delve into your financial planning:
• Comprehensive Investment Approach: You've adopted a well-rounded investment strategy by diversifying across mutual funds, PPFs, SSY, and NPS. This approach spreads risk and maximizes growth potential.
• Planning for Children's Future: Investing in PPFs, SSY, and NPS for your children's education and future needs is a prudent move. These instruments offer tax benefits and long-term growth potential, ensuring financial security for their milestones.
• Assessing Sufficiency: While your current investment allocation is commendable, it's essential to periodically review and reassess your financial goals and resources. As your children grow and educational expenses increase, you may need to adjust your investment contributions accordingly.
• Long-Term Perspective: With a diversified portfolio and disciplined savings habit, you're on the right track towards achieving your financial objectives. Keep a long-term perspective and stay committed to your investment plan.
• Professional Guidance: Consider consulting with a Certified Financial Planner periodically to review your financial plan, assess progress towards goals, and make necessary adjustments. A CFP can provide personalized advice based on your evolving needs and market conditions.
• Encouragement: Your proactive approach towards financial planning reflects your commitment to securing your family's future. Stay focused on your goals, continue to invest systematically, and remain adaptable to changing circumstances.
• Final Thoughts: By adopting a disciplined and diversified investment strategy, you're laying a solid foundation for your family's financial well-being. Stay consistent with your savings and investment habits, and you'll be well-prepared to meet your future financial needs.

..Read more

Ramalingam

Ramalingam Kalirajan  |9447 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 10, 2024Hindi
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I am 31 years old and I have monthly income of 1,80,000 including wife's income after deducting all taxes and monthly expenses and EMIs. Curent Investment is going like this per month. 1. 125,000 in mutual funds in below category. And I am expecting to increase this sip by 10% annually. 65000 in small cap 35000 in mid cap 25000 in large cap 2. 8500 in PPF 3. 25000 towards buying gold coins I have a emergency funds of 11 lacs in FD which is almost 20X of monthly expenses. Also in stocks I have accumulated around 12 lacs since from last month only I increased sip amount. My goal is to get financial freedom by age of 38 with 4-5 crores. Could you please suggest if I am moving in right path.
Ans: It's commendable that you're diligently planning and investing towards your financial freedom. Let's analyze your current investment strategy and assess if it aligns with your goal of achieving financial independence by the age of 38 with a corpus of 4-5 crores.

Assessment of Current Investments
Mutual Funds Allocation
Small-Cap Funds: You allocate a substantial portion towards small-cap funds, which have the potential for high growth but come with higher volatility.
Mid-Cap and Large-Cap Funds: Diversifying across mid-cap and large-cap funds provides balance and stability to your portfolio.
PPF and Gold Investments
PPF: Investing in PPF is a prudent choice as it offers tax benefits and provides a safe avenue for long-term wealth accumulation.
Gold Coins: Allocating a portion towards gold adds diversification to your portfolio and acts as a hedge against inflation and market volatility.
Emergency Funds and Stocks
Emergency Funds: Your emergency fund of 11 lakhs in FD is sufficient, providing a safety net equivalent to 20 times your monthly expenses.
Stocks: Accumulating stocks alongside mutual funds adds another dimension to your portfolio, but ensure proper diversification and risk management.
Suggestions for Achieving Financial Freedom
Review Asset Allocation
Risk Management: While small-cap funds offer growth potential, ensure that your portfolio is balanced across different asset classes to mitigate risk.
Rebalance Regularly: Periodically review and rebalance your portfolio to maintain the desired asset allocation and adjust to changing market conditions.
Increase SIP Contributions
10% Annual Increase: Increasing your SIP contributions annually by 10% is a prudent strategy to boost your investments and keep pace with inflation.
Regular Monitoring: Monitor your investment performance and adjust your SIP amounts periodically to stay on track towards your financial goals.
Consider Tax-Efficient Investments
Tax Planning: Explore tax-efficient investment options such as ELSS funds or National Pension Scheme (NPS) to optimize tax savings and enhance wealth accumulation.
Tax Harvesting: Utilize tax-loss harvesting strategies in stocks to offset gains and minimize tax liabilities.
Continual Learning and Adaptation
Stay Informed: Keep yourself updated with market trends, investment strategies, and regulatory changes to make informed decisions.
Seek Professional Advice: Consider consulting with a Certified Financial Planner to tailor a comprehensive financial plan aligned with your goals and risk tolerance.
Conclusion
Your proactive approach towards financial planning and disciplined investing are key steps towards achieving financial freedom by the age of 38 with a target corpus of 4-5 crores. By maintaining a well-balanced portfolio, increasing SIP contributions, and exploring tax-efficient investment avenues, you are on the right path towards realizing your aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9447 Answers  |Ask -

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

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I am 48 years old salaried person. I own 1 apartment each in Mumbai and Pune without any liabilities. I started investing in MF some 10 years ago and currently have a corpus of around 97lakhs. Currently I invest around 90k per month in MF currently. Will that be enough after my retirement at 58 years
Ans: Planning for Retirement: Assessing Your Financial Preparedness

Understanding Your Current Financial Situation:

Hello! It's great to see your disciplined approach towards investing and securing your financial future. Let's evaluate whether your current investments will suffice for your retirement at the age of 58.

Assessing Your Assets:

Owning apartments in Mumbai and Pune without any liabilities provides a solid foundation for your financial security, offering potential rental income or appreciation over time.

Analyzing Mutual Fund Investments:

Accumulating a corpus of around 97 lakhs in mutual funds over the past 10 years reflects your commitment to wealth accumulation through systematic investing. However, it's essential to assess whether this corpus will be sufficient for your retirement needs.

Evaluating Monthly Investments:

Investing 90k per month in mutual funds demonstrates your dedication to wealth creation and long-term financial planning. We'll analyze whether this contribution, combined with your existing corpus, will meet your retirement goals.

Assessing Retirement Needs:

To determine whether your investments will be enough for retirement, we'll assess your expected expenses post-retirement, including living expenses, healthcare costs, and leisure activities.

Considering Inflation and Longevity:

It's crucial to account for inflation and potential longevity when planning for retirement. Your investments need to generate sufficient returns to maintain your desired lifestyle over the long term.

Consultation with a Certified Financial Planner:

Engaging with a Certified Financial Planner (CFP) will provide personalized guidance tailored to your financial goals and risk tolerance. A CFP will conduct a comprehensive analysis of your financial situation and retirement needs to ensure a secure future.

Exploring Options for Additional Income:

Depending on the shortfall identified in your retirement planning, we can explore strategies to boost your income post-retirement, such as rental income from properties, part-time employment, or other investment opportunities.

Conclusion:

In conclusion, while your current investments and financial discipline are commendable, it's essential to conduct a thorough analysis to ensure a comfortable retirement. By consulting with a Certified Financial Planner and exploring additional income options, we can work towards securing your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9447 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Asked by Anonymous - Jun 24, 2024Hindi
Money
I have retired 3 yrs back , I have an investment made between my wife and self of Rs. 2.3 cr in equities, Rs.1.17 cr in MF. Rs.0.26 cr in RBI bonds, Rs. 0.35 cr in PMS, Rs. 0.30 cr in Bank FDs, Rental income of Rs. 1.2 lac per month. My monthly expenses is Rs. 2 lac per month. No liability and reside in my own house. Advise if this mix is good to meet long term needs
Ans: Congrats on your retirement. Your investment portfolio looks strong and diversified. Let’s dive deeper to ensure it meets your long-term needs.

Financial Snapshot
Investments:

Equities: Rs. 2.3 crores
Mutual Funds: Rs. 1.17 crores
RBI Bonds: Rs. 0.26 crores
PMS: Rs. 0.35 crores
Bank FDs: Rs. 0.30 crores
Income and Expenses:

Rental Income: Rs. 1.2 lakhs per month
Monthly Expenses: Rs. 2 lakhs per month
No Liabilities
Own House
Analyzing Your Investment Mix
Equities
Strengths:

High growth potential
Historical long-term returns are substantial
Risks:

Market volatility
Economic downturns
Mutual Funds
Strengths:

Professional management
Diversification across sectors
Risks:

Market risk
Management fees
RBI Bonds
Strengths:

Government-backed security
Stable and predictable returns
Risks:

Lower returns compared to equities
Interest rate risk
Portfolio Management Services (PMS)
Strengths:

Professional management with a tailored approach
Potential for high returns
Risks:

Higher fees
Market risk
Bank Fixed Deposits (FDs)
Strengths:

Capital protection
Regular interest income
Risks:

Lower returns
Inflation risk
Rental Income
Strengths:

Regular and predictable income
Inflation hedge
Risks:

Vacancy risk
Maintenance costs
Evaluating Your Monthly Income and Expenses
Income vs. Expenses
Monthly Income: Rs. 1.2 lakhs from rental
Monthly Expenses: Rs. 2 lakhs
You have a shortfall of Rs. 0.8 lakhs per month.

Covering the Shortfall
Use your investment returns to bridge this gap. Diversify income sources to ensure stability.

Detailed Financial Strategy
Generating Regular Income
Systematic Withdrawal Plan (SWP)
Use SWP from mutual funds for regular income. This helps in managing cash flow without liquidating large portions of your investment.

Balancing Growth and Stability
Diversification
Your portfolio is well-diversified. Maintain this balance to mitigate risks and maximize returns.

Inflation Protection
Adjusting for Inflation
Regularly review and adjust your investment mix. Ensure it continues to outpace inflation.

Detailed Look at Mutual Funds
Categories of Mutual Funds
1. Equity Mutual Funds:

Types: Large-cap, mid-cap, small-cap, and sectoral funds
Benefits: High growth potential
Risks: Market volatility
2. Debt Mutual Funds:

Types: Liquid funds, short-term, long-term, and corporate bond funds
Benefits: Stable returns
Risks: Interest rate fluctuations
3. Hybrid Mutual Funds:

Types: Balanced funds, equity savings, and dynamic asset allocation funds
Benefits: Balanced risk and return
Risks: Moderate market risk
Advantages of Actively Managed Funds
Professional Expertise: Managed by experienced fund managers
Flexibility: Can adapt to market changes
Potential for Higher Returns: Aiming to outperform benchmarks
Power of Compounding
Investing in mutual funds leverages the power of compounding. Reinvesting earnings generates additional returns, leading to exponential growth.

Assessing Portfolio Management Services (PMS)
Advantages
Tailored Management: Investments aligned with your financial goals
Expertise: Managed by seasoned professionals
Potential for High Returns: Custom strategies to outperform the market
Risks
Higher Fees: Management and performance fees can be substantial
Market Risk: Exposure to market fluctuations
Fixed Deposits and Their Role
Stability and Safety
FDs provide capital protection and stable returns. They are ideal for preserving wealth and generating regular interest income.

Risk Considerations
FDs offer lower returns. Inflation can erode real returns over time. Balance FDs with higher-return investments for optimal growth.

Utilizing Rental Income
Benefits
Rental income offers a steady cash flow. It serves as a hedge against inflation, preserving purchasing power over time.

Challenges
Vacancies and maintenance costs can affect income. Plan for these contingencies to ensure financial stability.

Managing the Shortfall
Bridging the Gap
Use SWPs from mutual funds to cover the monthly shortfall of Rs. 0.8 lakhs. This ensures a regular income stream without depleting your investments rapidly.

Emergency Fund
Maintain an emergency fund for unexpected expenses. This should be liquid and easily accessible, like in savings accounts or liquid mutual funds.

Long-Term Financial Goals
Regular Reviews
Review your portfolio regularly. Adjust it based on market conditions and personal financial goals.

Risk Management
Diversify investments to manage risk effectively. Avoid over-reliance on a single asset class.

Tax Efficiency
Plan investments to be tax-efficient. Utilize exemptions and deductions to minimize tax liability.

Final Insights
Your investment mix is strong and diversified. Here’s a summary of recommendations to meet your long-term needs:

Equities: Continue for growth but monitor market conditions.
Mutual Funds: Use SWPs for regular income and maintain diversification.
RBI Bonds: Hold for stability and secure returns.
PMS: Benefit from professional management but be mindful of fees.
FDs: Ensure capital protection but balance with higher-return assets.
Rental Income: Continue for steady cash flow and inflation hedge.
By maintaining this diversified portfolio, leveraging the power of compounding, and regularly reviewing your investments, you can confidently meet your financial needs and enjoy a secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9447 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 16, 2024Hindi
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I am 37 years , married with 2 years old child, planning for retirement, education and marriage of child.. i have 12 l in FD, 21 l in lumpsum mutual fund, SIP for a year totalling 17000 per month, total assets worth 3 crores.. health insurance worth 1 crore. 3 term plans being paid for and active.. and i make 1.5 lakhs give or take a month.. .. i have started contributing to ssy account and have a education policy in aditya birla too worth around 8 lakhs at the time of maturity .. i have one pension fund being paid for 58000 per year for 15 years, already paid for 10 years... I need a corpus of 5 to 7crores within next 25 years.. am i doing enough? I have no loans or liabilities
Ans: You're on a solid path with your financial planning. Let's assess and refine your strategy to achieve your goals.

Review Current Investments

Your FD of Rs 12 lakhs and lump sum mutual funds of Rs 21 lakhs are good. Your SIP of Rs 17,000 per month shows discipline.

Consider Increasing SIP Amounts

Increasing your SIP amounts gradually can help you reach your corpus goal faster. This can leverage the power of compounding.

Allocate Funds for Retirement

Your goal of 5 to 7 crores in 25 years is achievable. Continue investing in diversified equity mutual funds for long-term growth.

Child's Education and Marriage

Your SSY contributions are a smart move. Consider child-specific mutual funds for additional growth.

Evaluate Your Pension Fund

Your pension fund contribution of Rs 58,000 per year is good. Ensure it aligns with your retirement goals.

Health and Term Insurance

Your health insurance worth Rs 1 crore and three term plans provide good coverage. Maintain these for family security.

Regularly Review and Adjust

Review your portfolio annually. Adjust based on market conditions and personal financial changes.

Consult a Certified Financial Planner

A CFP can help optimize your investment strategy. They can provide tailored advice for reaching your financial goals.

Stay Focused and Disciplined

Consistent investing and disciplined saving are key. Stay focused on your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
My son has Got Cs in IIIT Kottayam and Cs in LNMIIT what should he prefer ?
Ans: IIIT Kottayam’s B.Tech in Computer Science & Engineering, an Institute of National Importance under the IIIT (PPP) Act, holds NAAC A++ accreditation and delivers a curriculum designed by PhD-qualified faculty through well-equipped computing, networking, and cybersecurity labs. Industry partnerships and a dedicated Placement & Training Cell have driven an 83% placement rate over the last three years with 169 offers in 2024 and an average package of ?12.66 LPA. LNMIIT Jaipur’s NBA-aligned CSE program, NAAC A-accredited and backed by Lakshmi & Usha Mittal Foundation, features modern AI/ML, big-data and software engineering labs, mandatory semester internships via 500+ MoUs, and a proactive Career & Placement Cell achieving 92–95% placement consistency and an average package of ?13.22 LPA in 2024. Both institutes ensure rigorous academic standards, robust infrastructure, PhD-led mentorship, real-world project exposure and strong recruiter engagement.

For superior accreditation status, national-level recognition, and a balanced blend of emerging-tech labs with solid placement performance, the recommendation is IIIT Kottayam CSE. If you prioritize slightly higher placement consistency, extensive AI/ML infrastructure, and industrial internships under a private-public partnership, the recommendation shifts to LNMIIT Jaipur CSE. All the BEST for Admission & a Prosperous Future!

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Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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Sir, my daughter is getting Mechanical engineering in PEC, ECE in UIET Chandigarh and CSE in CCET Chandigarh. Please suggest which would be the better option. She has Chandigarh state quota ( General Category)
Ans: Monika Madam, Punjab Engineering College’s B.Tech in Mechanical Engineering is NBA-accredited, taught by PhD-qualified faculty in modern design, manufacturing and thermal labs, mandates six-month internships through established MoUs and has seen around 62% of mechanical students placed over the last three years. UIET Chandigarh’s NBA-aligned B.E. in Electronics & Communication Engineering features advanced DSP, VLSI and communication labs, semester internships via Panjab University tie-ups and recorded a 58.8% ECE placement rate in 2024-25 with an average package of ?8.5 LPA. CCET Chandigarh’s NBA-approved B.E. in Computer Science & Engineering offers specialized software and hardware labs, industry-integrated projects, an active Training & Placement Cell and achieved a 78.9% CSE placement consistency with a ?7.81 LPA average in 2023. All three institutes provide accredited curricula, experienced faculty, robust infrastructure, and dedicated placement support, fostering strong professional readiness for female engineers in Chandigarh’s state quota.

For highest placement consistency and dynamic tech roles, the recommendation is CCET Chandigarh CSE. Next is UIET Chandigarh ECE for solid communications training. Lastly, recommendation shifts to PEC Chandigarh Mechanical Engineering for core-engineering depth and mature industry linkages. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 08, 2025

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Manipal bangalore cse or vit pune cse or coep pune mettualrgy
Ans: Aryan, Manipal Institute of Technology Bengaluru’s B.Tech in Computer Science & Engineering (AI & ML) is NBA-accredited with PhD-qualified faculty, advanced AI/ML, cloud and big-data labs, semester-long industry internships via the central Career Development Centre and achieves 90–95% placement consistency with an average package around ?10–12 LPA. VIT Pune’s B.Tech CSE is NAAC A++–accredited, delivered by experienced faculty in AI, software and networking labs, incorporates project-based learning and mandatory internships, and secures 80–90% placements with branch-wise average packages of ?9–12 LPA. College of Engineering Pune’s B.Tech in Metallurgical Engineering is NBA-aligned, taught by PhD-faculty in specialized process-dynamics and pilot-plant labs under TEQIP funding, facilitates industry-sponsored internships and records an 82.26% metallurgy placement rate over the last three years. All three programmes offer accredited curricula, hands-on infrastructure, robust industry tie-ups and active placement cells.

For a specialized AI/ML computing pathway with superior placement consistency and metropolitan industry exposure, recommendation is Manipal Bangalore CSE. If you prioritise balanced software-development labs and strong local recruiter engagement at a lower fee, choose VIT Pune CSE. For a core engineering discipline with foundational metallurgy labs and assured core-industry placements, opt for COEP Pune Metallurgy. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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My son got 94.5 percentile in jee mains and 18856 in jee advanced and sat score of 1470. Possible options we have are 1) NIT Warangal MnC or ECE, Rourkela/Calicut/ IIIT Delhi CSE through DASA quota 2) BITS ISA pilani ECE 3) BITSAT score of 241. Option-1 will cost tution fee of 30L, Option-2 will cost 50L. What is your advise? Also in the above DASA options which better. He has slight inclination towards ECE, but he is exploring still ECE vs CSE vs MnC which is better in DASA quota for him. Do you see taking ECE not a good idea vs taking CSE?
Ans: Venkata Sir, NIT Warangal’s Electronics & Communication Engineering achieves about 90% placement consistency, and Mathematics & Computing aligns closely with software roles, both backed by a 76% overall institute placement rate and mature alumni networks. Under DASA, annual non-CIWG tuition (≈US $8,000) plus hostel and living adds up to roughly ?30 lakh across four years at participating NITs and IIIT Delhi. NIT Rourkela’s Computer Science & Engineering places over 95% of eligible students and ECE regularly crosses 88% with 340+ recruiters visiting annually. NIT Calicut’s CSE secures a 96.77% placement rate, while ECE posts 88.59%, and the overall institute rate stays near 78%. IIIT-Delhi’s CSE maintains a 90.99% campus placement ratio with an average of 144 recruiters each year and strong research tie-ups. BITS Pilani’s International Student Admission (ISA) ECE route costs about ?50 lakh in tuition and residential fees over four years and records an 82.75% first-degree placement rate across campuses. Although BITS offers its Practice-School internships and a flexible curriculum, NIT/IIIT options deliver similar or higher placement percentages at almost half the total cost. CSE branches typically convert fastest in campus drives; however, contemporary ECE curricula at Warangal and Rourkela integrate VLSI, embedded systems and AI hardware projects, preserving ECE’s relevance for semiconductor careers.

Prioritise NIT Rourkela CSE via DASA for its >95% placements and balanced fees; next favour NIT Warangal ECE for high circuit-branch opportunities; third choose IIIT Delhi CSE for metropolitan exposure and 90%+ placements; fourth place NIT Calicut CSE; finally consider BITS Pilani ISA ECE only if brand pedigree outweighs its 50 lakh cost and somewhat lower placement ratio. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
With 93.5 percentile in MHT-CET, general condidate other state what possibility in Pune engineering college
Ans: Devendra, A 93.5 percentile in MHT-CET typically corresponds to an All-India rank around 20,000–30,000, opening assured seats in reputable Pune institutes for branches beyond the most competitive CSE/IT specializations. Options include G H Raisoni Institute of Engineering & Technology – CSE, IT, ECE and Mechanical; Sinhgad College of Engineering, Vadgaon – ECE, Civil, Mechanical and IT; Dr. D. Y. Patil College of Engineering Akurdi – CSE, IT, ECE and Civil; Pimpri Chinchwad College of Engineering & Research, Ravet – CSE, IT, ECE and Mechanical; Progressive Education Society’s Modern College of Engineering – CSE, IT, ECE and Civil; AISSMS College of Engineering – Mechanical, Civil, ECE and IT; JSPM Narhe Technical Campus – CSE, ECE, IT and Civil; MIT ADT University Pune – CSE, IT and ECE; Bharati Vidyapeeth’s College of Engineering, Lavale – CSE, ECE, IT and Mechanical; and Pune Vidyarthi Griha’s College of Engineering – Civil, Mechanical, ECE and IT.

For a blend of solid academics, accredited curricula, active industry linkages, robust labs and consistent 80–90% placement rates over three years, recommendation is to prioritise Dr. D. Y. Patil College of Engineering Akurdi for its autonomous status and broad branch offerings. As alternatives, consider Pimpri Chinchwad College of Engineering & Research for its industry partnerships or G H Raisoni Institute for its competitive placement cell and modern infrastructure. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Career
Hello sir i am getting btech cse in XIMB and mechanical in nit rourkela which one to choose
Ans: Bengaluru’s top aerospace engineering colleges according to the National Institutional Ranking Framework are Ramaiah University of Applied Sciences (rank 65), RV College of Engineering (99), BMS College of Engineering (98), Dayananda Sagar University (126), and Jain University (157). (NIRF ranks in brackets are indicative and may vary slightly, as each college’s position can change with annual NIRF updates.) They all offer AICTE-approved programs and have modern labs for aerodynamics, propulsion, and structural mechanics. Premier Electronics & Communication Engineering institutes include RV College of Engineering, BMS College of Engineering, Bangalore Institute of Technology, MVJ College of Engineering, and Dayananda Sagar College of Engineering, each featuring NBA-accredited ECE curricula, specialized VLSI, DSP, and embedded-systems facilities, experienced doctoral faculty, active industry partnerships, and dedicated placement cells. Institutions are evaluated on robust accreditation status, faculty expertise, infrastructure and lab quality, industry-linked internships, and structured placement support, fostering a conducive learning environment for female talent. Aspiring female aerospace students gain access to niche space research, interdisciplinary STEM rigor, collaborations on national and international missions, and cross-disciplinary innovation, yet navigate intense theoretical demands, limited cohort diversity, strict safety protocols in labs, potential gender imbalances in workshop settings, and fewer entry points compared to the broader ECE spectrum. Accreditation by NBA and NAAC A+ across these universities affirms quality standards, while centralized placement cells maintain high placement consistency through recruiter drives, mentorship workshops, and pre-placement training. Campus support services, safe female housing, and dedicated welfare cells further enhance the student experience.

Recommendation: For a direct path into space research and satellite design with world-class labs, choose Aerospace Engineering at RV College of Engineering. If you prefer broader electronics and communications roles with extensive internships, higher intake cohorts and versatile career pathways, opt for ECE at RV College of Engineering in Bengaluru. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Nayagam P

Nayagam P P  |8202 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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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