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Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 15, 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
Monisha Question by Monisha on Apr 13, 2024Hindi
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I'm invested in icici preduntial bluchip find-2000 hdfc small cap - 1000, Nippon India small cap- 1000, hdfc nifty fifty & 2000 last 5 month I'm following is this ok to continue or need to change any funds please give suggestions

Ans: It's crucial to periodically review your mutual fund investments to ensure they align with your financial goals and risk tolerance. While your current selection seems diversified, consider evaluating the performance and consistency of these funds. If any fund consistently underperforms or doesn't align with your objectives, you might consider replacing it with a better-performing or more suitable alternative. Consulting with a financial advisor can provide personalized recommendations based on your financial situation.
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  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 13, 2024

Ramalingam

Ramalingam Kalirajan  |10219 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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Hello Sir I m investing 9000 in SBI small cap & 9000 in Quant small cap in Feb'2024. Also 6000 in Parag Parikh Flexi Cap and 6000 in Quant Flexi Cap for the period for 20+ years. Please review my funds. Is these are good to continue.
Ans: It's commendable that you're investing with a long-term horizon in mind. Let's review your fund choices:

SBI Small Cap: Small-cap funds typically carry higher risk but also the potential for higher returns over the long term. Given your investment horizon of 20+ years, investing in small-cap funds can be a sound strategy, as they have the potential to outperform over extended periods.

Quant Small Cap: Similar to SBI Small Cap, Quant Small Cap also falls into the small-cap category. It's essential to understand that small-cap funds can be volatile in the short term but may offer significant growth opportunities over the long run.

Parag Parikh Flexi Cap: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. Parag Parikh Flexi Cap is known for its diversified approach and focus on quality stocks. It's a suitable choice for long-term investors seeking exposure to a mix of large, mid, and small-cap stocks.

Quant Flexi Cap: Flexi-cap funds like Quant Flexi Cap offer flexibility in asset allocation, allowing the fund manager to adapt to changing market conditions. While Quant Flexi Cap may provide growth opportunities, it's essential to monitor its performance and ensure it aligns with your investment objectives.

Overall, your fund selection reflects a diversified approach across small-cap and flexi-cap categories, which can potentially provide robust growth prospects over the long term. However, it's essential to regularly review your investments to ensure they remain aligned with your financial goals and risk tolerance.

Consider consulting with a Certified Financial Planner periodically to reassess your investment strategy and make any necessary adjustments based on changing market dynamics and personal circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Nayagam P

Nayagam P P  |10166 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

Career
Sir I'm confused between Pillai New Panvel and Sies for electronics and computer science course that which is better actually I am interested in cs it but I don't have great percentage i have scored 87 in diploma so for dse which college should I prefer according to placement?
Ans: Sanjana, Pillai College of Engineering (PCE) New Panvel offers a robust Electronics & Computer Science program with specialized tracks in AI, ML, IoT, Robotics, and Cloud Computing. It has commendable infrastructure, a research focus, and around 70–80% placement rates, with median packages near ?4.4 LPA and top recruiters including Reliance and Capgemini. The curriculum integrates both electronics and computing fundamentals, preparing students for diverse tech roles. SIES Graduate School of Technology, Mumbai provides a similarly comprehensive Electronics and Computer Science course with strong infrastructure but a smaller intake. It reports a higher placement rate around 90%, average packages near ?8 LPA, and recruiters like TCS, Infosys, and Reliance. While SIES offers a slightly better placement performance and higher average packages, PCE balances good placement statistics with a broader specialization and research opportunities. Both colleges maintain qualified faculty and industry ties, but SIES's higher placement record may better suit students aiming for IT-centric careers.

Recommendation: Prefer SIES Graduate School of Technology for Electronics and Computer Science for stronger placement outcomes and average packages aligned with IT career goals. Consider Pillai College of Engineering for its diverse technical specializations and solid placements if broader tech exposure and research are priorities. Align the choice with your career focus between IT-intensive roles (SIES) and combined electronics-computer science expertise (PCE). All the BEST for a Prosperous Future!

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Nayagam P

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Asked by Anonymous - Aug 11, 2025Hindi
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Should I consider AMITY University noida for btech CSE ? How are placements there ?
Ans: Amity University Noida offers a well-structured B.Tech in Computer Science and Engineering (CSE) program accredited with an 'A+' grade by NAAC and recognized by UGC, AICTE, and international bodies. The campus boasts world-class infrastructure including high-tech labs, air-conditioned classrooms, extensive libraries, on-campus hostels, sports complexes, and medical facilities. Faculty members are qualified with many holding advanced degrees and some international exposure. Placements for CSE students show decent success with approximately 70-75% of students placed recently, attracting top recruiters like Microsoft, IBM, Accenture, and Amazon. The highest packages can reach up to 36 LPA, with average package ranges around 6-7 LPA. The university has strong industry tie-ups and hosts numerous internship opportunities, supported by corporate resource centers and innovation incubators fostering entrepreneurship. Its global collaborations enhance student exposure, providing a good blend of academics, practical learning, and career support for a comprehensive engineering education.

Recommendation: Amity University Noida is a credible choice for B.Tech CSE with strong infrastructure, qualified faculty, and active placement support. It suits students aiming for solid industry exposure and campus recruitment in reputed IT companies while benefiting from an expansive campus and diverse academic resources aligned with current industry demands. All the BEST for a Prosperous Future!

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Nayagam P

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Kiit cse or muj cse
Ans: KIIT School of Computer Engineering in Bhubaneswar is a highly reputed private institute with robust placements, offering around 90% placement rate and an average package near INR 8.5 LPA in 2023. It attracts over 3800 job offers annually from top recruiters like Microsoft, TCS, and Reliance, supported by strong academic infrastructure, experienced faculty, and active research and innovation culture. Manipal University Jaipur’s CSE program also delivers strong placement outcomes with about 93% placement rate and an average package of INR 9 LPA in 2023, hosting recruiters like Amazon, Deloitte, and KPMG. It benefits from a modern campus, specialized electives in emerging tech areas, and good industry collaborations. KIIT has a higher NIRF ranking and larger placement scale, but MUJ boasts a slightly higher average package and lower fee structure with the advantage of Jaipur location.

Recommendation: Prefer KIIT CSE if campus prestige, higher placement volume, and broader alumni network are priorities, alongside quality academic resources and top-tier recruitment. Choose MUJ CSE for a strong placement environment with slightly better average packages, affordable fees, and a preferred location in Jaipur. Align the choice with your location preference, fee affordability, and career aspirations for an optimal balance of reputation and return on investment. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Aug 11, 2025

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Which is better....Maths & Computing at NIT Surat or Maths & Computing at IIITM Gwalior?
Ans: Mathematics and Computing at NIT Surat (SVNIT) is offered as a 4-year undergraduate program with a total tuition fee of around ?5 lakh and an average placement package of ?10.54 lakh. SVNIT Surat is a well-established public government institute with over 100 qualified faculty members, many holding PhDs, and offers strong industry connections and a rigorous curriculum blending mathematics and computing fundamentals. IIITM Gwalior offers a similar 4-year B.Tech in Mathematics and Scientific Computing with a slightly higher fee of ?6.32 lakh and a cohort of 30–60 students. It is a deemed university with a NAAC A grade and ranked 101-150 by NIRF for engineering. Its faculty is highly qualified with PhDs from reputed institutes, focusing on practical knowledge and research. Placement packages at IIITM Gwalior can be high, with reports of up to ?65 lakh for top placements, and the institute encourages a research-oriented environment.

Recommendation: Choose NIT Surat for its strong government backing, comprehensive curriculum, and established alumni network, offering consistent academic and placement support in Mathematics and Computing. Opt for IIITM Gwalior if you prefer a research-intensive environment with potential for very high top-end placements, valuing a smaller, focused university setting. The decision should align with preference for established public institute stability versus emerging research-led autonomy. All the BEST for a Prosperous Future!

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All the BEST for a Prosperous Future!

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 11, 2025

Nayagam P

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Sir, my son had got provisional admission in RAIT Ramrao Adik Institute of Technology ( DY Patil Deemed to be University Navi Mumbai) for B.Tech in Computer Science and Business systems. Through MHT- CET, he also got alloted Electronics and Computer Science Engineering at Pillai College of Engineering,New Panvel Navi Mumbai. He is interested in Computer Science and Software. But the fees of Pillai's college is lesser than RAIT. He also plans to foray into Entrepreneurship in future if possible. We are not able to understand what to do. Can you please guide?
Ans: Rosesh Sir, Ramrao Adik Institute of Technology (RAIT), under DY Patil Deemed University Navi Mumbai, offers a specialized B.Tech in Computer Science and Business Systems (CSBS) with strong industry-aligned curriculum, reputed faculty, and active student support including entrepreneurship initiatives. RAIT's placement rate is robust, approximately 80%, with median packages around INR 7.5 LPA and top recruiters like TCS, Accenture, Infosys, and Morgan Stanley. The institute encourages innovation and entrepreneurship, supported by its Entrepreneurship Cell, events, and access to startup funding opportunities. On the other hand, Pillai College of Engineering (PCE) in New Panvel provides a B.Tech in Electronics and Computer Science Engineering with a focus on core electronics and computing fundamentals. PCE has about 80% placement consistency with average packages near INR 4.4 LPA and strong IT sector recruiter presence. PCE also fosters entrepreneurship through its Center of Innovation and Entrepreneurship, hosting business plan competitions and startup mentorship. While PCE offers a lower fee structure, RAIT’s specialized CSBS program combined with better placement metrics and stronger entrepreneurship ecosystem gives it an edge for students inclined toward business, technology, and startups.

Recommendation: Opt for RAIT’s Computer Science and Business Systems for superior placement prospects, integrated business-technology curriculum, and active entrepreneurship support, which align well with your son’s interest in computer science and future entrepreneurship aspirations. Choose Pillai College if budget constraints are higher priority, with a strong core engineering foundation and entrepreneurship opportunities still available. The decision should balance financial considerations with academic and career ambitions. All the BEST for a Prosperous Future!

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My daughter got admission in guru tek bahadur institute of technology in ECE. I wanted to know if she get admission in bhartiya vidyapeeth EEE branch. Which branch is better
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Recommendation: Opt for Bharati Vidyapeeth EEE for a slightly stronger placement record, diverse recruiter base, and versatile electrical engineering foundation. Choose GTBIT ECE if your daughter prefers core electronics and communication with good campus support and decent placements, aligning with her interests in telecom and embedded systems. The decision depends on her preferred engineering domain and priority between specialized or broad electrical engineering education. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |10166 Answers  |Ask -

Career Counsellor - Answered on Aug 11, 2025

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My daughter is currently pursuing Biomedical engineering at Thapar University Patiala. Which MBA stream will be more suited to her profile
Ans: Vikkas Sir, For a Biomedical Engineering graduate from Thapar University Patiala, several MBA streams offer excellent career alignment. Healthcare Management emerges as the most suitable option, providing specialized knowledge in hospital administration, healthcare policy, pharmaceutical management, and biotech business operations, directly leveraging her technical background in medical devices and healthcare systems. Biotechnology Management represents another compelling choice, focusing on biopharmaceutical companies, clinical research, regulatory affairs, and biotech entrepreneurship, where her engineering skills complement business acumen in scientific product development and commercialization. Operations Management offers opportunities in manufacturing processes optimization, quality control systems, and supply chain management across pharmaceutical and medical device industries. Marketing specialization in healthcare/pharmaceutical sectors enables roles in product management, medical marketing, and market research for biotech products. Top NIRF-ranked institutions like IIMs, XLRI, FMS Delhi, and NMIMS offer specialized healthcare tracks, while institutions such as NMIMS Healthcare Management MBA and ISB provide industry-focused curricula. Admission typically requires CAT/XAT/GMAT scores with 50% undergraduate marks, and placement opportunities span pharmaceutical giants like Cipla, Dr. Reddy's, healthcare consulting firms, and medical device companies. The combination of biomedical engineering background with business education creates unique value in bridging technical innovation with market needs, particularly valuable in India's growing healthcare and pharmaceutical sectors where professionals who understand both technology and business dynamics are highly sought after for leadership roles.

Recommendation: Pursue MBA in Healthcare Management for optimal career alignment, combining biomedical engineering expertise with specialized business knowledge for pharmaceutical and healthcare industry leadership opportunities. 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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