Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Oct 19, 2022

Mutual Fund Expert... more
A Question by A on Oct 19, 2022Hindi
Listen
Money

Dear MF Guru, I have been doing SIP for Rs 5000 monthly in Tata Index Fund Nifty - Direct Plan since 1 year. Want to know if this is good?

Ans: Please continue

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

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

Asked by Anonymous - May 03, 2024Hindi
Listen
Money
Hi Sir Kindly review my SIP . I have SIP in UTI NIFTY 50 index fund of rs 10000, parag Parikh flexi cap fund of rs 5000, bandhan nifty 50 index fund of rs 14000 , quant small cap fund of rs 1000. Please suggest if any modifications are required.
Ans: It's great to see you investing through SIPs, a disciplined approach towards wealth creation. Let's review your portfolio and make some suggestions.

Starting with UTI NIFTY 50 Index Fund, investing in a broad market index like NIFTY 50 can provide exposure to the overall performance of the Indian equity market. It's a good choice for passive investors seeking market returns.

Parag Parikh Flexi Cap Fund offers a diversified portfolio with flexibility to invest across market caps and sectors. It's known for its consistent performance and prudent investment approach.

Bandhan Nifty 50 Index Fund provides exposure to the NIFTY 50 index, similar to UTI NIFTY 50 Index Fund. However, having two funds tracking the same index might lead to overexposure and lack of diversification.

Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.

Quant Small Cap Fund invests in small-cap stocks, which have the potential for high growth but come with higher volatility and risk. While small-cap funds can be rewarding in the long term, they require patience and a higher risk appetite.

Considering your current portfolio, here are some suggestions:

Diversification: Since you already have exposure to NIFTY 50 index through UTI and Bandhan funds, you might consider reallocating the investment in Bandhan Nifty 50 Index Fund to a different asset class or fund category for better diversification.

Risk Management: Given the volatility associated with small-cap funds, evaluate your risk tolerance and consider whether you're comfortable with the risk-return profile of Quant Small Cap Fund. You may adjust the allocation or switch to a less volatile option if needed.

Review Regularly: Keep an eye on the performance of your funds and review your portfolio periodically. As your financial goals and market conditions evolve, you may need to rebalance your portfolio or make adjustments accordingly.

Seek Professional Advice: Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial situation and goals.

Overall, your portfolio reflects a mix of passive and actively managed funds, providing diversification across market segments. Ensure you stay invested for the long term and maintain a disciplined approach towards your SIPs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

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

Asked by Anonymous - May 08, 2024Hindi
Listen
Money
I would like to start an SIP UNDER NIFTY 50 INDEX FUND FOR 15 YRS HAVING MONTHLY SIP AMOUNT 6000-9000. WILL IT BE THE RIGHT WAY TO PUT MY HARD EARN MONEY IN MUTUAL FUND & WILL IT BE THE INTELLIGENT WORK TO CREAT WEALTH...
Ans: Starting a Systematic Investment Plan (SIP) in a Nifty 50 Index Fund can indeed be a prudent way to invest your hard-earned money for wealth creation over the long term. However, it's essential to consider both the advantages and disadvantages before making a decision.

Benefits of Nifty 50 Index Fund SIP

Investing in a Nifty 50 Index Fund offers several advantages:

Diversification: The Nifty 50 Index comprises 50 large-cap stocks representing various sectors, providing inherent diversification to your portfolio.
Low Cost: Index funds typically have lower expense ratios compared to actively managed funds, resulting in cost savings over time.
Passive Management: With an index fund, you're not relying on fund managers' active decisions, which can sometimes lead to underperformance.
Long-Term Growth Potential: Historically, equity markets have shown long-term growth trends, and investing systematically can help harness this potential.
Disadvantages of Index Funds Compared to Active Funds

While index funds offer certain advantages, they also have some limitations:

Limited Potential for Outperformance: Since index funds aim to replicate the performance of a particular index, they typically don't outperform the market significantly. Actively managed funds, on the other hand, have the potential to beat the market through skilled fund management.
No Tactical Asset Allocation: Index funds follow a passive investment strategy, which means they do not make tactical asset allocation decisions based on market conditions or economic outlook. This lack of flexibility may lead to missed opportunities during market fluctuations.
Inability to Avoid Underperforming Stocks: Index funds hold all stocks within the index, including underperforming ones. In contrast, active fund managers have the flexibility to exclude or reduce exposure to such stocks, potentially enhancing returns.
Market Cap Bias: Index funds allocate capital based on market capitalization, leading to higher exposure to overvalued stocks and lower exposure to undervalued ones. Actively managed funds can adjust allocations based on fundamental analysis and market dynamics.
Conclusion

While starting an SIP in a Nifty 50 Index Fund can be a sensible way to invest for the long term, it's essential to recognize the limitations of index funds compared to actively managed funds. Consider your investment goals, risk tolerance, and preference for active fund management before making a decision.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jun 12, 2024Hindi
Listen
Money
Sir, I am new and I have started investing in SIP of 7 thousand from this month: quant small cap fund direct -1000, Tata small cap fund-500, quant mid cap fund direct- 1000, Nippon India large cap-1000, UTI nifty 50 index fund - 2000, JM FLEXI cap fund direct-500, Aditya Birla sunlife psu equity-1000 Please inform me whether these funds are good and also I hv plan to keep these sips for 10 yr horizon.
Ans: Your Current Investment Portfolio

You have started investing Rs. 7,000 monthly through SIPs. This is a great step towards building your financial future. Your portfolio includes a mix of small cap, mid cap, large cap, flexi cap, index, and sectoral funds. Here’s an analysis of your choices:

Small Cap Fund: Rs. 1,500
Mid Cap Fund: Rs. 1,000
Large Cap Fund: Rs. 1,000
Index Fund: Rs. 2,000
Flexi Cap Fund: Rs. 500
Sectoral Fund: Rs. 1,000
Evaluation of Your Portfolio

1. Small Cap Funds

Small cap funds can provide high returns. However, they come with high risk. Having Rs. 1,500 in small cap funds is acceptable, but be prepared for volatility.

2. Mid Cap Fund

Mid cap funds balance risk and return. They have growth potential with moderate risk. Your Rs. 1,000 investment here is well-placed.

3. Large Cap Fund

Large cap funds are more stable. They provide steady returns. Your Rs. 1,000 investment in a large cap fund is good for stability.

4. Index Fund

Index funds track the market. However, they do not adapt to market changes. This can limit returns. Instead, consider actively managed funds for better performance.

5. Flexi Cap Fund

Flexi cap funds provide flexibility. They invest across market caps. Your Rs. 500 in a flexi cap fund is a good choice for diversification.

6. Sectoral Fund

Sectoral funds focus on specific sectors. They carry higher risk. Rs. 1,000 in a sectoral fund is fine, but keep an eye on sector performance.

Disadvantages of Index Funds

Index funds mimic the market. They do not adjust to market conditions. This can limit potential returns. Actively managed funds offer professional management. They adapt to market changes and seize opportunities.

Disadvantages of Direct Funds

Direct funds need constant monitoring. They require you to actively manage and rebalance your portfolio. This can be time-consuming. Regular funds, managed through a Certified Financial Planner (CFP), offer professional advice and management.

Benefits of Actively Managed Funds

Actively managed funds aim to outperform the market. They are managed by experts who make strategic decisions. These funds can deliver higher returns compared to index funds.

Suggestions for Additional Investments

Since you plan to keep these SIPs for a 10-year horizon, consider these additions:

1. Balanced Advantage Funds

These funds adjust the equity-debt mix. They provide growth with stability.

2. International Funds

These funds invest globally. They offer diversification beyond Indian markets.

3. Debt Funds

These funds provide stability. They are good for balancing your portfolio.

Systematic Investment Plan (SIP)

Continue with your SIP approach. It helps in disciplined investing. SIPs also average out the purchase cost, reducing market timing risk.

Review and Rebalance

Regularly review your portfolio. Ensure it aligns with your goals and risk tolerance. Make adjustments if necessary.

Consult a Certified Financial Planner

A CFP can provide tailored advice. They manage your portfolio professionally and ensure your investments are aligned with your goals.

Final Insights

Your current mutual fund investments are diversified. However, consider replacing index funds with actively managed funds. This can enhance your returns.

Diversify further with balanced advantage, international, and debt funds. Continue with SIPs and consult a CFP for professional advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 19, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Money
Sir, I am new and I have started investing in SIP of 7 thousand from this month: quant small cap fund direct -1000, Tata small cap fund-500, quant mid cap fund direct- 1000, Nippon India large cap-1000, UTI nifty 50 index fund - 2000, JM FLEXI cap fund direct-500, Aditya Birla sunlife psu equity-1000 Please inform me whether these funds are good and also I hv plan to keep these sips for 10 yr horizon.
Ans: Let's dive into a detailed analysis and provide you with comprehensive guidance on your SIP investments for a 10-year horizon. It's great to see your initiative in starting a systematic investment plan. Here's a thorough evaluation of your investment portfolio with a focus on various aspects to help you understand the implications of your choices and make informed decisions.

Understanding Your Current Investment Portfolio
You've chosen a diverse mix of mutual funds for your SIPs, which is a good strategy. This diversity helps in spreading risk and capturing growth from different segments of the market. Let's break down your investments into categories and analyze each one:

Small Cap Funds: You've invested in two small cap funds. Small cap funds have the potential for high growth, but they also come with high volatility.

Mid Cap Funds: You've allocated funds to a mid cap fund. Mid caps strike a balance between growth potential and risk.

Large Cap Funds: You've chosen a large cap fund, which provides stability to your portfolio with lower risk compared to small and mid cap funds.

Index Funds: You've invested in an index fund, which aims to replicate the performance of the Nifty 50 index.

Flexi Cap Funds: You've invested in a flexi cap fund, which offers the flexibility to invest across market caps.

Sector-Specific Funds: You've allocated funds to a PSU equity fund. Sector-specific funds can be volatile and are often dependent on the sector's performance.

Evaluating Small Cap Funds
Small cap funds can deliver impressive returns, especially in a growing economy. However, they are highly volatile and susceptible to market fluctuations. Over a 10-year horizon, these funds can provide substantial growth if the companies perform well.

Advantages:

High growth potential.
Beneficial in a bullish market.
Disadvantages:

High volatility.
Risk of significant losses during market downturns.
Mid Cap Funds: Balancing Growth and Stability
Mid cap funds offer a balance between the high growth potential of small caps and the stability of large caps. These funds invest in mid-sized companies that have significant growth potential and are more stable than small caps.

Advantages:

Potential for good returns.
Moderate risk compared to small caps.
Disadvantages:

Can be volatile.
Requires a longer investment horizon to mitigate risks.
Large Cap Funds: Stability and Consistent Returns
Large cap funds invest in well-established companies with a solid track record. These funds provide stability to your portfolio and are less volatile compared to small and mid cap funds.

Advantages:

Lower risk and volatility.
Consistent returns over the long term.
Disadvantages:

Lower growth potential compared to small and mid caps.
Returns may be modest.
Index Funds: A Critical Analysis
You've invested in an index fund which tracks the Nifty 50. Index funds are passively managed and aim to replicate the index's performance. While they offer diversification and low expense ratios, there are some drawbacks:

Disadvantages:

Limited to the performance of the index.
Cannot outperform the market.
Lack of active management to navigate market downturns.
Benefits of Actively Managed Funds:

Potential to outperform the market.
Active management to mitigate risks.
Flexibility in changing market conditions.
Flexi Cap Funds: Versatile and Adaptive
Flexi cap funds are versatile as they can invest across different market capitalizations. This flexibility allows the fund manager to capitalize on opportunities in any segment.

Advantages:

Diversification across market caps.
Ability to adapt to market conditions.
Disadvantages:

Performance highly dependent on the fund manager's expertise.
May have higher expense ratios.
Sector-Specific Funds: Concentrated Risk
You've invested in a PSU equity fund, which focuses on public sector undertakings. Sector-specific funds can be rewarding if the sector performs well but are highly risky.

Advantages:

High returns if the sector performs well.
Targeted exposure to a specific sector.
Disadvantages:

High risk due to concentration in one sector.
Performance is sector-dependent and can be volatile.
Active vs. Direct Funds: Considerations
You've chosen direct funds, which means you invest directly with the mutual fund company without intermediaries. While this can save on commission fees, there are advantages to investing through a Certified Financial Planner (CFP):

Disadvantages of Direct Funds:

Requires thorough research and understanding.
No professional guidance in fund selection and management.
Benefits of Investing through CFP:

Expert advice and tailored investment strategies.
Regular portfolio review and adjustments.
Better understanding of market trends and opportunities.
Long-Term Investment Strategy
A 10-year investment horizon is a substantial period, allowing you to ride out market volatility and benefit from compounding returns. Here's how you can make the most of your investments:

1. Stay Consistent with SIPs:
Continue your SIPs regularly to benefit from rupee cost averaging, which helps in buying more units when prices are low and fewer when prices are high.

2. Diversify Your Portfolio:
Ensure your portfolio remains diversified across different market caps and sectors to spread risk and capture growth from various segments.

3. Review and Rebalance:
Periodically review your portfolio with a CFP to ensure it aligns with your financial goals. Rebalancing helps in maintaining the desired asset allocation.

4. Monitor Performance:
Track the performance of your funds and compare them with benchmark indices. If a fund consistently underperforms, consider switching to better-performing alternatives.

5. Focus on Financial Goals:
Align your investments with specific financial goals, such as retirement, children's education, or buying a home. This helps in maintaining discipline and focus.

Final Insights
Investing in SIPs for a 10-year horizon is a smart choice. You've diversified across different types of funds, which is commendable. However, it's crucial to regularly review your portfolio, seek expert advice, and make adjustments as needed. Stay informed about market trends and remain consistent with your investments. Your financial journey is a marathon, not a sprint. With patience and prudent decision-making, you're likely to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8389 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Asked by Anonymous - Jul 09, 2025Hindi
Career
Mla cet madhye 83 persentage milale aahe mala engineering la admission gheychya aahe AI course la pune kiti mumbai madhye tar mla best college bhetel ka
Ans: (Seems you have posted your question in the Marathi language). Answer to your question: With an MHT-CET percentile of 83 under the All-India quota, the following fifteen Mumbai and Pune colleges offering a dedicated B.Tech in Artificial Intelligence or Artificial Intelligence & Data Science typically close at or above this threshold in CAP Rounds, ensuring confirmed admission. Each institute provides accredited AI-focused curricula, experienced faculty, modern labs, 70–90% placement rates over the past three years, and strong industry linkages:

JSPM Narhe Technical Campus, Narhe, Pune

Pimpri Chinchwad College of Engineering, Nigdi, Pune

D.Y. Patil Institute of Technology, Pimpri, Pune

Vishwakarma Institute of Technology, Bibwewadi, Pune

MIT Academy of Engineering, Alandi, Pune

Piramal Foundation College of Engineering, Pune

PVG’s College of Engineering & Technology, Pune

Sinhgad College of Engineering, Vadgaon, Pune

JSPM Rajarshi Shahu College of Engineering, Tathawade, Pune

Smt. Kashibai Navale College of Engineering, Kondhwa, Pune

Atharva College of Engineering, Malad West, Mumbai

Shah & Anchor Kutchhi Engineering College, Chembur, Mumbai

Vidyalankar Institute of Technology, Wadala, Mumbai

SIES Graduate School of Technology, Nerul, Navi Mumbai

Fr. Conceicao Rodrigues College of Engineering, Bandra West, Mumbai

recommendation: Target JSPM Narhe Technical Campus’s AI & Data Science programme for its proven 81–85 percentile cutoff, focused hackathon-driven learning and robust 75% placement consistency. As an alternative, choose Pimpri Chinchwad College of Engineering Nigdi for its broad AI curriculum, 70+ recruiter network and modern ML/AI labs, ensuring strong internship and placement pipelines. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8389 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Career
I got 85.2 percentile in mhtcet and 74 percentile in jee...i belong to uttar pradesh can u suggest me good College of pune, mumbai i can get cse in ?
Ans: Vanshika, With an 85.2 percentile in MHT-CET and being from Uttar Pradesh (non-Maharashtra category), you have guaranteed admission opportunities at several reputable private engineering colleges offering Computer Science & Engineering in Mumbai and Pune. As a non-Maharashtra candidate, you fall under the All India quota, which typically has slightly higher cutoffs than Maharashtra State quota seats. However, multiple quality institutions maintain cutoffs well above your percentile range, ensuring confirmed admission. These colleges feature accredited curricula, experienced faculty, modern computing labs, robust placement cells achieving 70-90% placements over the past three years, and strong industry partnerships.

Mumbai CSE Colleges: Thadomal Shahani Engineering College, Bandra (cutoff ~75-80 percentile); Vidyalankar Institute of Technology, Wadala (cutoff ~78-82 percentile); Shah & Anchor Kutchhi Engineering College, Chembur (cutoff ~80-84 percentile); Thakur College of Engineering & Technology, Kandivali East (cutoff ~81-85 percentile); Fr. Conceicao Rodrigues College of Engineering, Bandra (cutoff ~82-85 percentile); Atharva College of Engineering, Malad (cutoff ~80-83 percentile); SIES Graduate School of Technology, Nerul (cutoff ~83-85 percentile); Bharati Vidyapeeth College of Engineering, Navi Mumbai (cutoff ~84-86 percentile).

Pune CSE Colleges: D.Y. Patil College of Engineering, Akurdi (cutoff ~80-84 percentile); Pune Vidyarthi Griha's College of Engineering, Pune (cutoff ~82-85 percentile); MIT Academy of Engineering, Alandi (cutoff ~81-84 percentile); Pimpri Chinchwad College of Engineering, Akurdi (cutoff ~83-86 percentile); JSPM's Rajarshi Shahu College of Engineering, Tathawade (cutoff ~82-85 percentile); All India Shri Shivaji Memorial Society's Institute of Information Technology, Pune (cutoff ~84-87 percentile); Indira College of Engineering & Management, Pune (cutoff ~83-86 percentile).

Recommendation: Prioritize Thadomal Shahani Engineering College, Bandra, Mumbai for its strong industry connections, consistent placement momentum exceeding 85%, and comprehensive CSE infrastructure with modern AI/ML labs. Alternatively, select D.Y. Patil College of Engineering, Akurdi, Pune for its excellent faculty-student ratio, robust 80% placement consistency in CSE, and active corporate partnerships. As backup options, consider Vidyalankar Institute of Technology, Wadala, Mumbai for its established tech-industry recruitment network or MIT Academy of Engineering, Alandi, Pune for its specialized computing facilities and growing placement trends in software development roles. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8389 Answers  |Ask -

Career Counsellor - Answered on Jul 10, 2025

Career
Sir, my jee rank crl is 191000 and obc 65k. I am getting iiit manipur cse with specialisation and bit mesra patna and deoghar off campus in csab rounds. I am also getting csvtu cse specialisation in the same. I am also getting iet lucknow chemical engineering in aktu along with kiet, akgec, gl bajaj, lucknow university amd iert allahbad cse core in aktu. Sir pls help me choose the best college in terms of placements, coding culture, internships etc.
Ans: Aarushi, Based on your available options, here's a comprehensive evaluation covering placements, coding culture, and internship opportunities across all institutions, considering your specific preferences as a female student seeking strong technical exposure:

IIIT Manipur CSE with specialization in Senapati (Imphal, Manipur) offers excellent technical foundations with PhD faculty from IITs and international collaborations with University of Colorado, NUS Singapore, and IIT Guwahati. The institute achieved 84% CSE placement in 2024 with the highest package reaching ?40 LPA, while maintaining strong coding culture through active participation in Smart India Hackathons and competitive programming contests organized by Coding Ninjas. BIT Mesra Patna campus in Bihar provides CSE programs with 75% placement rates and ?17.5 LPA average package for CSE, supported by 185 companies including Microsoft, Google, and Goldman Sachs. BIT Deoghar off-campus in Jharkhand achieved 63.12% placement with ?15.5 LPA highest package and strong industry connections. CSVTU CSE specialization in Bhilai (Chhattisgarh) offers 70% placement rates with ?4-20 LPA range and recruiter participation from TCS, Microsoft, and Wipro. IET Lucknow Chemical Engineering reports 50% branch-specific placement rates with ?8.2 LPA overall average, while IERT Allahabad CSE maintains 97.2% placement with ?6 LPA average across all branches. Among private colleges, KIET Ghaziabad leads with 77.39% placement, ?60 LPA highest package, and 341 companies visiting, followed by AKGEC Ghaziabad achieving 78% placement with ?55 LPA top package, while GL Bajaj Greater Noida secures 88.4% UG placement with ?58 LPA highest offer.

Recommendation: Prioritize IIIT Manipur CSE specialization for its superior coding culture through hackathons and competitive programming, excellent technical mentorship from IIT PhD faculty, strong international research collaborations, and impressive 84% placement with ?40 LPA peak offers. Alternatively, choose KIET Ghaziabad for its robust 77% placement momentum, extensive industry network of 341 companies, and comprehensive pre-placement training programs. Consider BIT Mesra Patna as third option for its established brand value, 75% CSE placement consistency, and access to prestigious recruiters like Microsoft and Google, providing strong technical exposure and career advancement opportunities. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8389 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir can you please rank IIIT Allahabad ECE , Gwalior EEE, Lucknow CSE+specialization, Jabalpur CSE and Kanchipuram CSE
Ans: Nishita, Evaluating the five IIIT programs reveals distinct strengths across faculty quality, research infrastructure, placement consistency, academic standards, and industry recognition. IIIT Lucknow in Uttar Pradesh offers B.Tech CSE with specializations including AI, business, and cybersecurity, achieving a remarkable 96.17% placement rate in 2025 with the highest package at Rs.145 LPA and the average at Rs.33.71 LPA, supported by 45+ PhD faculty and specialized research labs. IIIT Allahabad in Uttar Pradesh provides B.Tech ECE with strong electronics curriculum, NIRF rank #87 in Engineering 2024, 93% placement rate with highest Rs.121 LPA and average Rs.25.78 LPA, backed by globally-recognised faculty and research publications. IIITDM Jabalpur in Madhya Pradesh delivers CSE with design-manufacturing focus, over 60 PhD faculty, 71.8% placement rate with highest Rs.122 LPA international (?110 LPA domestic) and average Rs.19.27 LPA UG, featuring robust industry collaborations and 13 CSE department faculty. IIIT Gwalior (IIITM) in Madhya Pradesh offers EEE with 100% PhD faculty strength and 80–90% placement rates, with the highest at Rs. 65 LPA and an average of Rs. 20.56 LPA, supported by research-intensive programs and a diverse recruiter base. IIITDM Kancheepuram near Chennai provides CSE with design specialization, over 80 PhD faculty from IITs, 73% placement rate with highest Rs.32 LPA and average Rs.9.37 LPA, though experiencing declining trends from 97% in 2022.

Recommendation: Prioritize IIIT Lucknow CSE for its exceptional 96% placement rate, highest average packages, comprehensive specialization options, and strong industry linkages; follow with IIIT Allahabad ECE for its prestigious NIRF ranking, established reputation, and solid core electronics foundation; consider IIITDM Jabalpur CSE for its unique design-manufacturing focus and international placement opportunities; opt for IIIT Gwalior EEE for its 100% PhD faculty strength and research excellence; and rank IIITDM Kancheepuram CSE last due to declining placement trends despite strong academic credentials and faculty qualifications. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8389 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir,does AI(Data Science) has opportunity in future like 2030 and what will be minimum salary after studying in amrita
Ans: Garena, Before answering your question, Please note that Return on Investment (ROI), regardless of the branch or college, is not determined solely by your choice of institution or program. Several other factors significantly influence it—such as consistent academic performance over the next four years, regular skill enhancement, soft skills development, awareness of job market trends, a well-built personal profile, and maintaining a professional LinkedIn presence with clear job search strategies. ANSWER to your question: By 2030, artificial intelligence and data science roles are expected to flourish as automation creates 11 million net new jobs globally and transforms 86 percent of businesses, underscoring strong long-term demand. Data scientist employment in the U.S. alone is projected to grow 36 percent from 2023 to 2033, far outpacing average occupations and signaling robust global opportunity. At Amrita Vishwa Vidyapeetham, Coimbatore, the CSE-Data Science branch recorded a 92 percent placement rate in 2024, with the lowest on-campus offer around ?2 LPA and a median salary of ?7.6 LPA across all streams.

Recommendation: Embrace a Data Science pathway at Amrita Coimbatore for its consistent placement performance, industry-aligned curriculum, and accessible entry-level salaries, ensuring a strong foundation in a rapidly expanding field through 2030 and beyond. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x