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Ramalingam

Ramalingam Kalirajan  |9403 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 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
Asked by Anonymous - Sep 20, 2023Hindi
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Dear Members, I had posted this question ago but haven't got an answer so reposting. (the reason being I am in a hurry and need to make a decision - questions asked below). I have an issue with my EPF account and the issue is related to my name. Just to keep my name anonymous for this post I am using a sudo name that is Jack Jones Harry. I have an EPF account in the name of Jack Jones Harry. I tried to log in and I was asked to contact my employer to link my Aadhaar card to my EPF account. I contacted my Ex employer and they said the issue was that my EPF is under the name of Jack Jones Harry and my Aadhaar have the name Jack J Harry. Due to this, it shows a mismatch. I have clearly informed that its the same and in my Aadhaar card the Jack J Harry the J stands for Jones. They said they cant do anything and they have asked me to fill up a joint declaration form which is a requisite for a name change. I was not comfortable using this form as they have a column asking me the "wrong" name and corresponding correct name. Since my name Jack Jones Harry is not a "wrong" name, its Just that my aadhaar card has J mentioned instead of Jones. I was not comfortable filling out this declaration. I decided to go to the EPF office myself to check on this. However, they also provided me with the same format for name change. I am guessing I have two options one is change my Aadhaar card or submit the form for name change requisition. The issues is some bank accounts and property have my name as Jack Jones Harry and some property and bank details and mutual funds have my name as Jack Js Harry. I just wanted to run it by you and wanted to check is this a common issue and which is a better option. I really want to get it done as this has been pending since long.

Ans: First, decide, which format of the name you want to retain. Based on that, change the other format in all your records. It will solve your problem once and for all.
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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Sanjeev

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Asked by Anonymous - Sep 08, 2023Hindi
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Hi, I have an issue with my EPF account and the issue is related to my name. Just to keep my name anonymous for this post I am using a sudo name that is Jack Jones Harry. I have an EPF account in the name of Jack Jones Harry. I tried to log in and I was asked to contact my employer to link my Aadhaar card to my EPF account. I contacted my Ex employer and they said the issue was that my EPF is under the name of Jack Jones Harry and my Aadhaar have the name Jack J Harry. Due to this, it shows a mismatch. I have clearly informed that its the same and in my Aadhaar card the Jack J Harry the J stands for Jones. They said they cant do anything and they have asked me to fill up a joint declaration form which is a requisite for a name change. I was not comfortable using this form as they have a column asking me the "wrong" name and corresponding correct name. Since my name Jack Jones Harry is not a "wrong" name, its Just that my aadhaar card has J mentioned instead of Jones. I was not comfortable filling out this declaration. I decided to go to the EPF office myself to check on this. However, they also provided me with the same format for name change. I am guessing I have two options one is change my Aadhaar card or submit the form for name change requisition. The issues is some bank accounts and property have my name as Jack Jones Harry and some property and bank details and mutual funds have my name as Jack Js Harry. I just wanted to run it by you and wanted to check is this a common issue and which is a better option. I really want to get it done as this has been pending since long.
Ans: I understand your situation. It's common to face issues with name variations in official documents. You can cater to this issue with 2 options- 1st is that you can change your Aadhaar card or you can submit requisition form to EPF office.

1. Aadhaar Card: If you want to align all your official documents with the name "Jack Jones Harry," you have to update your Aadhaar card to reflect the full name "Jack Jones Harry" to match your EPF account. You must visit an Aadhaar enrolment centre and providing the necessary documents for the name change.

2. Name Change Requisition Form: If you prefer not to change your Aadhaar card, you can go ahead and submit the joint declaration form for a name change requisition as requested by the EPF office. In this form, you can explain the discrepancy between your EPF account name and your Aadhaar card name as you've described which will require some additional documents and processing time.
The choice between these options depends on your personal preference and the hassle involved in changing your Aadhaar card. Ensure that you update your name consistently across all your official documents to avoid future issues.

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Hello sir I have done diploma after my 10th but in diploma I had to take a drop of 1 year in which I did my 12th as well so in diploma I got 60.88% , in 12th boards I got 58.83% and i also tried for VITEEE and got a rank of 154006 and in MHT CET I got 36.52 percentile so is it possible for me to get a college without management quota having a max of 2 lack fees and the mechatronics or robotics branch ? Career
Ans: Rudraksh, With a 36.52 percentile (approx. rank 59 000), admission into top-tier Mechatronics/Robotics programs via general CAP rounds is unlikely. However, select private institutes with total fees under ?2 lakh admit candidates with closing state ranks up to 75 000. Rajarambapu Institute of Technology, Sangli offers B.Tech Mechatronics (lateral entry) for ?1.47 lakh total fees, admitting till ~70 590 rank. Terna Engineering College, Navi Mumbai provides B.E Mechatronics at ?1.2 lakh total fees with closing statewide general percentile around 87.17 (≈rank 50 000–60 000). Prof. Ram Meghe Institute of Technology & Research, Amravati and Pillai College of Engineering, New Panvel admit allied branches such as Robotics & Automation for ranks between 50 000–75 000 via CAP rounds. All have NBA/AICTE approval, PhD-qualified faculty, modern labs for automation, and 70–85% placement rates.

recommendation:
For affordability, infrastructure, and realistic cutoffs, target Terna Engineering College for its ?1.2 lakh fees and CAP closing around your rank, or Rajarambapu Institute of Technology for ?1.47 lakh fees and proven ~70 590 closing rank. All the BEST for the Admission & a Prosperous Future!

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My son has secured admission in NMIMS Nilkamal School for BSc Applied Statistics and Analytics. Meanwhile, we are awaiting CUET results and considering Indian Statistical Institute for BSc Statistics and Data Science. Hindu College in DU is also a option being a 3 year course. Which one would be the best in terms of career prospects.
Ans: NMIMS’s Nilkamal School of Mathematics, Applied Statistics & Analytics offers a four-year BSc in Applied Statistics & Analytics with NBA-aligned curriculum, dedicated analytics and visualization labs, a full-time placement cell with corporate partnerships for internships and final placements, and personalized career guidance. ISI’s BStat & Data Science (Hons.) provides an elite three-year program under its Institute of Eminence status, led by PhD-active faculty in core and applied statistics, access to high-performance computing clusters, extensive research collaborations, integrated MSc/PhD pathways, and near-100% placement into top tech and research roles. Hindu College DU’s three-year BSc (Hons.) Statistics is A+ NAAC-accredited with CUET-based admission, strong academic rigor and campus life, but campus-driven placement for BSc candidates remains modest (~14% across UG batches over three years), with top recruiters in consulting and analytics offering limited slots.

Recommendation:
For premier placement consistency and research-driven roles, recommendation is ISI BStat & Data Science. Next, choose NMIMS BSc Applied Statistics & Analytics for its modern labs, strong corporate tie-ups, and dedicated placement support. Consider Hindu College BSc Statistics only if you prioritise DU’s brand, academic environment, and peer network. All the BEST for the Admission & a Prosperous Future!

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Plz suggest pec civil or production
Ans: Punjab Engineering College’s Civil Engineering and Production & Industrial Engineering programs are both NBA-accredited and taught by predominantly PhD-qualified faculty. Civil offers 110 seats, with labs in Structural Analysis, Geotechnical Engineering, Environmental Systems, Surveying, and Transportation, and industry tie-ups with CPWD, IRCON, and L&T. Production enrolls 40 students, featuring advanced Manufacturing, Automation, Robotics, Quality Control, and Six Sigma labs, plus a Siemens-funded Centre of Excellence. Over the last three years, Civil placements averaged ~36% (29–43 offers against 83–104 eligible), while Production saw ~76% conversion (23–36 offers from 26–46 eligible) with 88–90% internship conversion into job offers. Both branches share an average package of ?15.97 LPA and mandate six-month internships. Civil graduates enter construction, infrastructure, and consultancy roles, whereas Production alumni secure manufacturing, operations, and process-engineering positions.

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Given its superior placement consistency (76% vs. 36%), robust manufacturing labs, and stronger industry-internship pipelines, choose Production & Industrial Engineering at PEC. Opt for Civil Engineering only if your interests lie specifically in core infrastructure and environmental projects. All the BEST for the Admission & a Prosperous Future!

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Which type of questions are came in AIIMS Paramedical exam and what is its paper level ?
Ans: Kirti, The AIIMS Paramedical entrance is a 90-minute, computer-based test comprising 90 four-option MCQs across three mandatory sections—Physics (30 questions), Chemistry (30 questions)—and one optional section (Biology or Mathematics, 30 questions) depending on course eligibility. Each correct response earns +1 mark and each incorrect answer incurs –? mark, with no penalty for unattempted questions. The paper’s overall difficulty is moderate, blending straightforward NCERT-level questions with application-based items in Mechanics, Thermodynamics, Organic Chemistry, and Human Physiology; a few questions demand deeper conceptual clarity but none exceed Class 12 standards.

A successful six-week preparation plan includes:

Syllabus mapping: Download AIIMS paramedical syllabus from aiims.edu and list all Class 11–12 NCERT topics in Physics, Chemistry, Biology/Mathematics.

Concept reinforcement: Strengthen fundamentals via NCERT textbooks; cover each topic thoroughly before moving on.

Targeted practice: Solve 200+ previous years’ AIIMS Paramedical MCQs to familiarize with question framing and moderate difficulty.

Mock testing: From week 2, take one full-length simulated test weekly, increasing to three tests per week in the final fortnight; analyse errors and time spent per section.

Sectional drills: Dedicate two days each week exclusively to Physics and Chemistry problem-solving, one day to Biology/Mathematics, and review one full syllabus revision weekly.

Revision aids: Create concise formula sheets and concept charts; use flashcards for definitions in Biology and key reactions in Chemistry.

Time management: Practice sectional time allocation—30 minutes per section—maintaining 1 minute per question with 10–15 minutes at end for review.

Peer discussion: Join online study groups or local discussion forums to clarify doubts and exchange memory-based questions.

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Hello sir, My son get iit bombay material eng in 3rd round of josaa. He may get admission in DAIICT in ICT. Which one is best to finalize
Ans: Harsh Sir, IT Bombay’s B.Tech in Metallurgical Engineering and Materials Science is ranked #3 by NIRF and delivered by PhD-qualified faculty in a department equipped with central and FIST facilities—OIM & Texture, X-Ray, Nanoindenter, TEM prep, Scanning Probe Microscopy, Hyperflash thermal analysis, dual vacuum SEM, and an HPC cluster—on a 500-acre Powai campus. Accredited by AICTE, NBA, and with NAAC recognition, the program recorded a 70.37% batch placement rate in 2024 through core recruiters like Intel, Qualcomm, and L&T. DA-IICT’s B.Tech in Information and Communication Technology holds NAAC A+ accreditation, UGC approval, and operates a 1:1 computing infrastructure—including a five-node GPU-enabled HPC cluster, 1 Gbps campus LAN, 1,300+ desktops, 30 servers, and 22 teaching plus 11 research labs (Electronics, DSP, CS, HPC, IoT, VLSI)—supported by PhD faculty and industry-seasoned instructors. Over the past three years, 80–90% of ICT graduates secured placements via 120+ recruiters such as Google, Amazon, and Microsoft, with 390+ offers in 2024 and strong internship-to-offer conversion.

Recommendation: Weighing premier brand value, specialized materials labs, and solid core-engineering placements at IIT Bombay, finalize IIT Bombay Materials Engineering for long-term research and industry roles. Opt for DA-IICT ICT only if interdisciplinary ICT training, cutting-edge computing infrastructure, and its higher placement consistency (80–90%) align more closely with immediate software and communication technology goals. All the BEST for the Admission & 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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