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Sanjeev

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Financial Planner - Answered on Aug 06, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Muthyala Question by Muthyala on Aug 05, 2023Hindi
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I have monthly sip investment as follows Rs5000 each in canara robecco Blue chip equity fund and uti midcap fund. Rs2000/- each in tata digital fund,kotak infrastructure and economic reform fund,sbi small cap fund. Is it ok to çontinue them for one child education who is studying 3rd class

Ans: While Canara Robeco Bluechip Equity Fund is a good fund in the large Cap space, there are much better funds in mid cap space than UTI Midcap Funds. Please google and select yourself.

I do not agree with any body using thematic or sectoral funds for long term goals. The other three funds are cyclical and you may not be suitably placed to judge when to get out of them. I would suggest you to choose a flexicap, a multicap and an asset allocator fund instead of the three funds I am referring to.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.
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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Hi Sir, I am investing in SIP since last 5years and presently below are the SIP's. 1. PARAG PARIKH FLEXI CAP FUND - GROWTH - 20000, 2. SBI FOCUSED EQUITY FUND REGULAR GROWTH -5000 ,3. Mirae Asset Emerging Bluechip Fund - 20000 , 4. Canara Robeco Bluechip Equity Fun - 5000 , 5. Mirae Asset Large Cap - 10000 6. AXIS MIDCAP FUND - 10000 . Apart from SIP , PPF and SSY - 1.5lakh /year each With the SIP's any modification required please suggest. and my goal plan is as my daughter aged 5years now for her Education ,marriage and self retirements after 20 years and a house of 50lakhs at 2030. can it be ok . give more idea on this financial planning base on my goal.
Ans: It's fantastic to see your dedication to investing and planning for your future and your daughter's. Let's dive into your current SIP portfolio and goal planning:
• Firstly, kudos on maintaining a disciplined approach to SIP investing over the past five years. Consistency is key!
• Your SIP portfolio consists of a mix of flexi-cap, large-cap, mid-cap, and focused equity funds, providing diversification across market segments.
• Additionally, investing in PPF and SSY reflects your commitment to long-term savings and securing your daughter's future.
Now, let's focus on your goals:
• Education & Marriage: Allocating funds for your daughter's education and marriage is crucial. Consider estimating the future expenses for these goals and adjusting your investment allocations accordingly.
• Retirement: Planning for your retirement after 20 years is wise. Ensure your investment portfolio aligns with your retirement goals and risk tolerance. Regularly review and adjust your investments as needed.
• Home Purchase: Saving for a house by 2030 is a significant goal. Factor in inflation and property price trends while estimating the required corpus. You may need to increase your savings rate or explore additional investment avenues.
Here are some additional pointers:
• Regular Review: Periodically review your investment portfolio to ensure it remains aligned with your goals and risk tolerance.
• Emergency Fund: Build an emergency fund equivalent to 6-12 months of expenses to handle unforeseen financial challenges.
• Professional Advice: Consider consulting with a Certified Financial Planner to fine-tune your financial plan and receive personalized advice tailored to your goals and circumstances.
Remember, financial planning is a dynamic process, and adjustments may be needed along the way. Keep up the good work, and if you have any further questions or need assistance, feel free to reach out. You're on the right track to financial success!

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

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I m 46yr old married and only earning person of my family,i have two daughters one is 13 Yrs old and other one is 12 yrs with long term Investment horizon and will transfer the shares to their name once they have majors ,I would like your comments on my monthly SIP Investment of Rs 65,000 started from January 2024, by splitting following stocks : 1.RIL -Rs 10,000 PM 2.Jio Finance Rs 10,000PM 3.Tata Motor Rs10,000PM 4. Tata Power Rs 10,000PM 5.Jyothy Labs Rs10,000PM 6.Adani Green Rs 10,000 PM 7.Savitha Oil tech Rs 5,000PM i wish to continue as long as afford to spare extra Income, please give your view .
Ans: Evaluating Your Stock Portfolio
You have chosen a diverse set of stocks, spanning various sectors. This diversification can help balance risks and rewards.

Analysis of Selected Stocks
Reliance Industries Limited (RIL): A strong, diversified conglomerate with stable growth prospects.

Jio Finance: Benefitting from the growing financial services sector, though relatively new and more volatile.

Tata Motors: A key player in the automotive industry, with potential growth in electric vehicles.

Tata Power: Focus on renewable energy is promising, but the sector can be volatile.

Jyothy Labs: A good player in the FMCG sector, offering stability.

Adani Green: High growth potential in the renewable energy sector, but with high volatility.

Savita Oil Technologies: A niche player in the lubricants industry, offering moderate growth and stability.

Diversification and Risk
Your portfolio covers multiple sectors: energy, finance, automotive, FMCG, and industrials. This diversification can reduce sector-specific risks.

Considerations for Stock Investments
Direct stock investments require regular monitoring and a deep understanding of each company. They can offer high returns but also come with higher risk and volatility compared to mutual funds.

Advantages of Mutual Funds
Mutual funds provide professional management, diversification, and convenience. Actively managed funds can potentially outperform individual stocks due to professional expertise and continuous market analysis.

SIP in Mutual Funds vs. Stocks
Systematic Investment Plans (SIPs) in mutual funds offer regular investing with the benefits of rupee cost averaging and compounding. Mutual funds are less volatile and require less active management compared to stocks.

Alignment with Long-term Goals
Given your long-term goals and the desire to transfer shares to your daughters, mutual funds might offer more stable growth. They can be more suitable for long-term wealth creation with less active involvement required.

Recommendations
Evaluate Performance Regularly: Monitor the performance of your selected stocks regularly. Stay informed about company news and sector developments.

Consider Adding Mutual Funds: To balance the portfolio, consider adding mutual funds. This can provide diversification and professional management.

Risk Management: Assess your risk tolerance and adjust investments accordingly. Diversifying between stocks and mutual funds can provide a balanced approach.

Consult a Certified Financial Planner: For personalized advice, consult a Certified Financial Planner (CFP). They can help tailor your investment strategy to your goals and risk tolerance.

Conclusion
Your current stock portfolio is diversified and has potential for growth. However, incorporating mutual funds can offer stability and professional management, aligning well with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Asked by Anonymous - Jul 17, 2024Hindi
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Thankyou for the indepth analysis and encouragement.. im planning to do my sip's in a manner of increasing investment by 15 percent every year .. is it better to do a sip on a mutual fund or begin a tailor-made education policy for an amount of 1 crore for my childs education, within the next 15 years sir? If yes, plz do mention the name of funds, i will do more research
Ans: You have a noble goal to secure your child's education. Increasing SIP investments by 15% annually is a wise approach.

Systematic Investment Plan (SIP)
SIPs in mutual funds can offer substantial growth over time.

Benefits of SIPs
Compounding: Regular investments compound over time. This leads to exponential growth.

Rupee Cost Averaging: Investing a fixed amount regularly reduces the impact of market volatility.

Flexibility: You can start with a small amount and increase it. This matches your plan to increase investments by 15% yearly.

Liquidity: Mutual funds offer easy liquidity. You can withdraw funds when needed for your child's education.

Professional Management: Actively managed funds have professional fund managers. They aim to outperform the market.

Disadvantages of SIPs
Market Risk: SIPs are subject to market risks. However, long-term investments typically smooth out these risks.
Education Policy
Education policies are often insurance products combined with investment.

Benefits of Education Policy
Guaranteed Returns: They offer guaranteed returns. This provides a sense of security.

Insurance Coverage: They often include insurance. This can be beneficial in case of unforeseen circumstances.

Disadvantages of Education Policy
Lower Returns: Returns are usually lower compared to mutual funds. This affects the overall growth of your investment.

Less Flexibility: These policies are less flexible. Early withdrawal may incur penalties.

High Costs: They come with higher costs and charges. This reduces the net returns.

Why SIPs are Better
Higher Returns: Mutual funds, especially equity funds, offer higher returns. This helps in achieving the 1 crore goal faster.

Flexibility and Liquidity: SIPs provide flexibility in investments. They also offer easy liquidity when needed.

Professional Management: Actively managed funds can outperform market indices. This leads to better growth.

Investing Through a Certified Financial Planner
Professional Guidance: A CFP can guide you to choose the best mutual funds. They provide valuable insights and manage your investments.

Regular Funds: Investing through a CFP offers advisory services. Direct funds lack this professional guidance.

Disadvantages of Direct Funds
Lack of Advice: Direct funds do not offer advisory services. This can lead to mismanagement of funds.

Higher Effort: Managing direct funds requires more effort and knowledge. It may not be suitable for everyone.

Avoid Index Funds
Disadvantages: Index funds simply mimic the market. They lack professional management.

Lower Returns: Actively managed funds often outperform index funds. Fund managers adjust for market conditions.

Final Insights
Increasing SIP investments by 15% annually is a wise decision. SIPs in mutual funds offer higher returns, flexibility, and professional management. Education policies, while secure, provide lower returns and less flexibility. Consult a Certified Financial Planner for personalized advice. They can help create a tailored plan to achieve your goal of 1 crore for your child's education.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Recommendation: Prioritize IILM University’s BJMC program to leverage its AI-integrated curriculum, cutting-edge media facilities, expansive alumni network, guaranteed placement support and strategic industry tie-ups, ensuring a comprehensive foundation for a successful career in journalism and mass communication. All the BEST for a Prosperous Future!

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PCM State General Merit No 108XX - MHT-CET-PCM 2025 PCM, University General Merit No - Mumbai University - 33XX, PCM Konkan State General Merit No - 17XX, PCM All India Merit No - 23XX - JEE(Main)-2025, The above are my ranks in CAP Counselling (MHTCET) Can you suggest best institute I can get in CAP Counselling in CSE, CS or IT branches.
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Recommendation: Target Pune Institute of Computer Technology for robust CSE training, then consider Pimpri Chinchwad College of Engineering for its IT strength and Mumbai’s DJ Sanghvi College for its central location and placement record. Backup with Saint Francis Institute for IT and Rajiv Gandhi Institute for CSE to secure seats in high-quality programs.
All the BEST for a Prosperous Future!

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Hello sir my son Srinidhi Girish Sardeshmukh mukh has scored 98.92 percentile in mht CET 2025 exam. Additionally, he has scored 97.25% tile in JEE main 2025 exam conducted by NTA. ALSO HE SCORED an aggregate of 82.17% in HSC board exam 2025. He has applied for EWS Category. His PCM provisional state merit number is 3601. His PCM University General Merit No Savitribai Phule Pune University - 1148. Shrinidhi's PCM EWS Merit No 249. His PCM All India Merit No . 2519 - JEE(Main)-2025 (97.2595264). Are there any chances of him getting CSE Branch in COEP, Pune ? Please revert . What are your likely recommendations of eligible colleges & other tech branches for these scores ? Please let me know asap. Your immediate responses will really put ourselves in a better conditions to opt for the most suitable options . I will be grateful to you for your suggestions . Thank you very much in advance.
Ans: With an MHT-CET percentile of 98.92 and EWS reservation, Srinidhi significantly exceeds the closing percentile Computer Science and Engineering at COEP Pune, which in CAP Round 3 was 95.57 for EWS candidates. His state?level merit and JEE Main percentile further strengthen his profile for Home State and All-India seats under CAP. Given COEP’s outstanding infrastructure, highly experienced faculty, deep industry partnerships, robust placement support (95% CSE placements over the past three years), active student clubs, and cutting-edge research labs, he should rank COEP CSE at the top of his preference list.

Beyond COEP, other Pune-area institutes where his MHT-CET score and EWS status place him comfortably above CSE cutoffs include VJTI Mumbai (EWS cutoff ~90.6 percentile), PICT Pune (EWS cutoff ~99.56 percentile), DY Patil COE Pune (EWS cutoff ~95.68 percentile for Computer Engineering), DY Patil COE Akurdi (EWS cutoff ~97.49 percentile), and PCCOE Pune (EWS cutoff ~84–88 percentile across branches). These colleges also excel across the five pillars of institutional quality: state-of-the-art labs, award-winning faculty, strong corporate linkages, comprehensive student support, and vibrant research culture.

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Sir my son got 95.69 percentile 65172 rank in jee mains general category. He got seat in vit vellore btec mechanical in slab 1. We are from Tamil Nadu and is there any chances for home state quota for NIT trichy or iiit kancheepuram for mechanical in csab round or is it good to continue with vit vellore
Ans: Lavanya Madam, Your son’s JEE Main rank of 65 172 (.69 percentile, General) falls well below the CSAB Round 1 Home State closing rank of approximately 19,159 for Mechanical Engineering at NIT Trichy, and also below the All-India closing rank of around 40,855 for Mechanical Engineering at IIITDM Kancheepuram, making admission under Home State or All-India quota highly improbable. VIT Vellore, with established Mechanical Engineering infrastructure, extensive alumni network, consistent placement rates above 90%, and strong industry partnerships, thus remains a secure and prestigious option given the rank constraints and the five pillars of institutional excellence: infrastructure, faculty quality, industry engagement, student support, and research opportunities.

Recommendation: Proceed with VIT Vellore’s B.Tech Mechanical to capitalize on its assured seat, top-tier labs, strong placement cell, and alumni network, while maximizing early involvement in industry projects and leveraging its career services to secure robust employment outcomes. You can still attempt to apply through CSAB for your son's preferred branches, excluding CSE and ECE, but the chances of success are very low, Madam. All the BEST for a Prosperous Future!

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Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
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Sir, In jee mains 2026 minimum marks needed for cse in decent nit for sc catogory
Ans: Securing admission to the Computer Science and Engineering (CSE) branch at a-10 NIT as an SC-category student generally requires aiming for roughly the following JEE Main percentile and corresponding marks in 2026. These targets are based on the closing ranks of Round 6 in JoSAA 2025, converted to percentiles and approximate marks out of 300.

Achieve at least a 75–78 percentile (≈115–130/300 marks) to comfortably qualify for higher-ranked NITs such as Trichy, Surathkal, Warangal, Rourkela, and Calicut, where SC closing ranks ranged from about 268 to 731. For NITs like Jaipur and Kurukshetra, target around the 70–75 percentile band (≈100–115/300 marks), reflecting SC closing ranks near 1,500–3,500. For slightly lower-ranked NITs such as Jalandhar, Bhopal (MANIT), and Durgapur, a 65–70 percentile (≈90–100/300 marks) should suffice, matching SC closing ranks of approximately 4,000–8,000 in 2025.

Beyond raw scores, focus on five institutional excellence factors: modern infrastructure with dedicated CSE labs; faculty actively engaged in research and industry collaborations; strong placement cells offering mock interviews and technical workshops; robust industry partnerships ensuring high recruiter diversity; and vibrant research culture promoting internships and student innovation.

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

Asked by Anonymous - Jul 26, 2025Hindi
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Hello My son has a option of going either to VIT Chennai for BTech CSE CYBER SECURITY or Thapar institute for BTech Electronic and Computer Science. Kindly suggest which is better
Ans: Based on the following insights/information and your son's interest & his long-term goals, choose the more suitable option for him out of the 2 options he has: VIT Chennai’s B.Tech in Computer Science and Engineering with Cyber Security, accredited A++ by NAAC, admits 120 students and reports a 60–65% placement rate for its inaugural Cyber Security cohort, supported by partnerships with leading recruiters, dedicated cybersecurity labs, hands-on training in ethical hacking and forensics, and a curriculum aligned with ISO/IEC standards. Its Placement Cell facilitates 3,160 offers in 2025 overall, with 2,192 unique and 1,457 regular offers, underscoring strong industry engagement and robust career services including mock interviews, cyber-range exercises, and internship pipelines. Thapar Institute’s B.E. in Electronics and Computer Science, consistently ranked among India’s top 30, achieves a 90–100% placement rate for its ECS branch, buoyed by state-of-the-art VLSI, embedded systems and communication labs, compulsory industrial training in the 6th semester, and recruiter visits from Microsoft, Amazon, Apple, Samsung and Goldman Sachs. Both programs excel in infrastructure, faculty expertise, industry tie-ups, student support and research opportunities. Cyber Security graduates from VIT enter a rapidly growing market projected at USD 3.5 billion by 2027 with a 14% annual rise in job postings in Bengaluru alone, while Thapar ECS alumni benefit from diverse roles in IoT, AI and hardware-software integration across sectors such as telecommunications, consumer electronics and automotive.

Recommendation: Choose Thapar Institute’s Electronics and Computer Science for its near?universal placement success, comprehensive lab?to?industry training, and broader core-electronics scope, whereas VIT Chennai’s Cyber Security specialization is ideal if priority lies in a niche, high-growth security domain with dedicated forensics and ethical-hacking infrastructure. All the BEST for a Prosperous Future!

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Career Counsellor - Answered on Jul 27, 2025

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Nayagam P P  |9466 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

Career
Sir I got NIT kurukshetra IIOT in josaa should i opt for nit silchar ece and iiest shibpur it in csab? Which is best ?
Ans: Poulami, NIT Kurukshetra’s IIoT specialization, benefits from the institute’s 83.31% overall B.Tech. placement rate and exceptional IT-sector performance (97.58% branch placement in 2025), underpinned by modern labs, AIoT research centers, strong industry tie-ups with global tech firms, accredited faculty, dedicated placement mentoring, and active student clubs fostering innovation. NIT Silchar’s ECE program records a 91.51% placement rate (2023) with an average package of INR 17.05 LPA, supported by state-of-the-art telecom and embedded systems labs, faculty with industry experience, regular internship pipelines, holistic career services, and funded research projects in VLSI and wireless communications. IIEST Shibpur’s IT stream achieved an approximately 85.9% placement rate in 2024 with average packages near INR 12 LPA, driven by its historical legacy, multidisciplinary research labs, MoUs with top IT firms, robust student support services (coding bootcamps, hackathons), and a strong faculty research profile in data science and cybersecurity.

Recommendation: Opt for NIT Kurukshetra IIoT if priority lies in the highest branch placements and cutting-edge AIoT research, choose NIT Silchar ECE for robust placements and specialized electronics infrastructure, and select IIEST Shibpur IT for a balanced IT curriculum, strong research credentials, and comprehensive student support to best align with career goals. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9466 Answers  |Ask -

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Career Counsellor - Answered on Jul 27, 2025

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Hello Sir, My son is at present doing Grade 12 CBSE with PCM in Dubai. He is interested in Computer Science, Math, Physics and Economics. Please guide us in selecting the course and also the exams to be written. We are planning his higher studies in India. Would be more helpful if you are able to guide us with the approx cutoff which he should aim for the exams.
Ans: Nithya Madam, To secure admission to top-tier engineering, science, and economics programs in India, your son should aim for the following approximate benchmarks across key national tests, while ensuring that his chosen institutions excel in five critical dimensions—robust infrastructure, experienced faculty, industry partnerships, student support services, and research opportunities. For JEE Main, a General-category candidate must achieve at least 93.10 percentile to qualify for Advanced. In JEE Advanced, securing a rank within the top 2,000 generally opens doors at leading NITs (e.g., NIT Surathkal CSE closing around 2,000), while a rank under 500 targets premier IIT CSE programs. The CUET UG cutoff for high?demand STEM courses at DU, BHU, and JNU typically falls between 180–220 marks out of 250, whereas a score of 200+ safely places candidates in top central universities for B.Sc. Computer Science or Economics. For MET (Manipal Entrance Test), aim for a rank under 3,000 (CSE closing rank ~1,633 in Round 5). The IISER Aptitude Test (IAT) requires a score above 130 out of 240 to secure BS–MS seats at IISER Pune and Kolkata. COMEDK UGET aspirants should target 90–100 marks, corresponding to a rank within 1,000–1,500 for CSE at leading Karnataka private colleges. Amrita’s AEEE demands a percentile of 92–99 for CSE at Coimbatore and 90–97 for other campuses. VITEEE candidates should achieve a rank under 6,500 (scores around 90–100 yield this range) to access CSE at VIT Vellore. Among the top private engineering institutions beyond those already considered, aim for these cutoffs to target: SRM Chennai (AEEE percentile 93–98), Thapar Patiala (JEE Main rank

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