Hi Milind, Good day!! I am 49 years old having a monthly SIP of 80 K monthly in A) Nippon Small Cap - 10 k B) MOSL Mid cap- 7.5K C) SBI Contra- 7.5 k D) ICICI BHARAT 22 FOF- 10k E) ICICI Nifty Next 50- 7.5k F) SBI ( ELSS) long term equity- 10 K G) Parag Parikh Flexi cap- 7.5K H) Quant Large & Mid cap- 10K I) QUANT infra- 5k J) Aditya Birla PSU- 5 K Kindly guide if the allocation and SIP amount is correct. I am targetting a corpus of 3cr+ in next 11 years. Regards, Kaushik

Ans: With 89 percentile in JEE Mains and below 75% in boards, your son is eligible for admission in UPES Dehradun, SRM, Amity Noida, and Bennett University for CSE. UPES offers industry-focused courses with decent placements and moderate fees. SRM is well-established with good infrastructure and consistent placements. Amity provides diverse programs but variable placements, while Bennett University, affiliated with Times Group, is newer but growing rapidly with a modern curriculum and improving placements. Bennett requires minimum 55-60% in boards, so eligibility must be confirmed. For better opportunities, consider private universities like Shiv Nadar or Ashoka with strong CSE programs. State universities or deemed universities with flexible criteria can also be explored. Overall, UPES and SRM stand out for practical exposure and placements, while Bennett offers a promising emerging option. Your choice should balance academic quality, placements, and affordability. All the best for your Son's admission and a bright future!

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

Ans: Among CSE at UPES Dehradun, Manipal University Jaipur, and COE at Thapar University Patiala, Thapar stands out for its strong academic reputation, rigorous curriculum, and excellent placements, with top recruiters like Google and Amazon. The COE branch offers exposure to emerging technologies and a robust alumni network, making it ideal for long-term career growth. Manipal Jaipur provides good infrastructure, NAAC A+ accreditation, and a vibrant campus life, with solid placement opportunities. UPES Dehradun focuses on industry-oriented courses with decent placements and practical learning. Overall, Thapar COE is recommended for those seeking quality education and strong placements, Manipal Jaipur is a solid private university alternative, and UPES suits students prioritizing industry exposure and hands-on experience. All the best for your admission and a bright future!

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

Ans: With a 53 percentile in JEE Mains and 68% board marks, admission to top NITs or IIITs for AI and Data Science is unlikely due to high cutoffs (93+ percentile for general category). However, good private universities like UPES Dehradun and VIT campuses (VIT AP, VIT Bhopal) offer AI and DS programs with more accessible admission criteria and decent fees. State government colleges with lower cutoffs can also be considered, especially those offering CSE or IT branches with AI/DS electives. Exploring related branches like Computer Science or Electronics with AI specialization is a practical alternative. It’s advisable to research colleges with flexible admission policies and good industry connections to ensure quality education and placement opportunities. Applying broadly and considering private universities (in your / neighbouring States) with strong AI/DS curricula will maximize chances of admission and future career growth in this emerging field. All the best for your admission and a bright future!

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

Ans: Ramesh Sir, Admission to B.Tech in Electronics and Communication Engineering (Biomedical Engineering) at VIT Vellore with an 11,000 rank in Category 4 is a good choice. The program blends electronics, communication, and biomedical sciences, preparing students for careers in healthcare technology, medical devices, and diagnostics. VIT Vellore offers excellent infrastructure and faculty. Placements are strong. Though core biomedical roles are fewer; many students also secure IT jobs. Biomedical engineering is a growing sector with opportunities in India and abroad, especially in medical device companies and healthcare IT. VIT’s flexible curriculum and industry connections enhance learning and career prospects. Overall, this program at VIT Vellore is a valuable option for students interested in interdisciplinary engineering and healthcare technology. All the best for your daughter's admission and a bright future!

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

Ans: Kubendrkumar Sir, Your daughter’s 74.46 percentile in JEE Mains 2025 allows her to participate in JoSAA counselling, as there is no minimum percentile cutoff for registration. This percentile roughly translates to an All India Rank near 1.8 to 2 lakh, which may restrict admission to top NITs or preferred branches like Computer Science. She has better chances in lower-tier NITs, IIITs, or other government institutes for branches with higher cutoffs such as Mechanical or Civil Engineering. Her excellent 94% in +2 exams strengthens her eligibility and can be advantageous for institutes with board percentage criteria. Considering her rank and marks, exploring state universities and reputed private colleges is advisable to secure a good engineering program. It’s recommended she carefully reviews branch-wise cutoffs during counselling and considers a broader range of colleges and branches to maximize admission opportunities. HERE IS, How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main/Advanced Results – A Step-by-Step Guide

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Have some other options also as back-ups instead of relying only on JEE/JoSAA.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your daughter's admission and a bright future!

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

Ans: Neha, Choose IIIT Hyderabad ECE if you are passionate about electronics, communication systems, hardware, and research-driven learning with strong placement prospects in core and interdisciplinary tech fields.

Opt for BITS Pilani CSE if your interest lies primarily in software, programming, and computer science with a flexible curriculum and strong industry connections. Both are prestigious institutions with excellent career prospects, so the decision should align with your interests and long-term goals. All the best for your admission and a bright future!

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

Ans: Eshwar, VIT Chennai’s Electrical and Computer Science Engineering (ECSE) program offers a unique blend of electrical engineering and computer science, ideal for careers in robotics, IoT, and automation. Although ECSE started recently, VIT’s strong placement network provides good opportunities. The university features excellent infrastructure, experienced faculty, and a vibrant campus environment. The curriculum balances theory and practical skills, preparing students for industry and research roles. Given VIT’s reputation and multidisciplinary approach, ECSE at VIT Chennai is a valuable choice for students seeking a broad engineering education with strong future prospects. In order to remain competitive in the campus recruitment drive and job market over the next four years, it is also essential to upgrade your skills, build a strong profile, and research job market trends. All the best for your admission and a bright future!

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

Ans: Pandyan, Christ University Bangalore’s BBA program is highly respected, offering a comprehensive curriculum with specializations like Finance, Business Analytics, and International Business. Accredited with an A+ grade by NAAC and ranked 60th by NIRF in management, the university emphasizes practical skills and industry readiness. With a placement rate of 79%,, and over 450 recruiting companies, students have strong career opportunities. The experienced faculty and active campus life enhance learning and personal growth. While the program is structured with limited flexibility and some strict rules, it provides a solid foundation for business careers. Competition among students is high due to large batch sizes. Overall, Christ University’s BBA is a good choice for students seeking quality education, strong placements, and industry exposure in Bangalore. All the best for your admission and a bright future!

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

Ans: Pushpa Madam, Jain University Bangalore and Lovely Professional University (LPU) are both reputable private universities but differ in strengths and offerings. Jain University, established in 1990, is ranked higher nationally (NIRF rank around 95 for engineering) and is known for strong academic quality, good faculty, and decent placement records. It offers a focused campus experience in Bangalore with good infrastructure and accreditation (NAAC A++).

LPU, founded in 2005, has a larger campus in Punjab and is ranked around 50th in NIRF engineering. It is known for extensive industry tie-ups, global exposure, and diverse extracurricular activities. LPU’s average placement package is slightly lower, but it offers state-of-the-art facilities and collaborations with top tech companies.

For Computer Science and Engineering, Jain University is preferred for academic rigor and placements, especially if you prioritize a strong academic environment in Bangalore. LPU is suitable if you value a large campus, international exposure, and industry-oriented learning. Ultimately, Jain University Bangalore edges ahead for quality and career prospects. All the best for your admission and a bright future!

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