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Ramalingam

Ramalingam Kalirajan  |8320 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 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
Pinaki Question by Pinaki on May 08, 2024Hindi
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Good morning.. I am 40 years old .. I have an investment in SIP 25000 in a month through STP mode started from 2023 and also have 10 lakh lumsum investment... I have a goal to get 1 cr+ in 10 yrs.. uti flexi cap 5k.. parag parikh flexi cap 5k... Kotak Mahindra flexicap 5k.. HDFC mid cap opportunity fund 5k... ABSL flexi cap. 5k... Lumsumsum.... SBI flexi cap.. 5 lakh and Kotak Mahindra flexicap.. 5lakh... Please let me know am I in the right path to get 1cr in next 10 years ..

Ans: Good morning! Your investment strategy has strong potential for reaching your goal of Rs. 1 crore in 10 years. Here's a breakdown:

Strengths of Your Plan:

Diversification: You've chosen a mix of flexi-cap and mid-cap funds, offering diversification across market capitalizations.
SIP & Lumpsum: Combining SIPs with a lumpsum investment provides both rupee-cost averaging and a growth boost.
Long-Term Focus: A 10-year timeframe allows you to ride out market fluctuations and potentially benefit from long-term growth.
Points to Consider:

Past Performance: Past returns don't guarantee future results. However, flexi-cap and mid-cap funds have historically offered higher growth potential.
Active Management: Your chosen funds are likely actively managed, aiming to outperform the market. This approach can be beneficial, but carries inherent risks.
Role of a CFP Professional

While your plan looks promising, a Certified Financial Planner (CFP) professional can offer a more personalized assessment. They can consider:

Risk Tolerance: Analyze your comfort level with market ups and downs.
Overall Portfolio: Evaluate your SIPs alongside other investments for a holistic view.
Alternative Investments: Explore if any additional asset classes might be suitable.
Maximizing Your Investments

Regular investment plans with a CFP can potentially offer some advantages over direct plans. A CFP can:

Minimize Costs: Help you potentially find ways to reduce investment expenses.
Stay Invested: Guide you through market volatility and keep you on track.
Remember:

Reaching your goal of Rs. 1 crore depends on market conditions. However, your diversified approach and long-term focus are positive steps.

Next Steps:

Consider consulting a CFP professional for a personalized evaluation.
Regularly monitor your portfolio and make adjustments as needed.
Keep up the good work!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |8320 Answers  |Ask -

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

Money
Hello Sir, pinaki here I have invested in SIP 5000 each of 20k..and 6 lakh lumsum in SBI flexi cap fund.....HDFC mid cap opportunity 5k, kotak flexi cap 5k, parag parikh flexi cap 5k, ABSL flexi cap 5k from last 1 year and having a goal to reach 1 cr in next 10 yrs .. am I in the right path to achieve my goal?
Ans: Pinaki,

I hope you are doing well. It’s great to see that you have taken steps towards building your financial future. Investing through SIPs and lump sum amounts shows your commitment to disciplined investing. Let’s delve deeper into your investments and evaluate your path towards achieving your goal of Rs 1 crore in the next 10 years.

Understanding Your Current Investments
You have diversified your investments across various mutual funds. Here’s a summary of your current SIPs and lump sum investment:

SIP Investments: Rs 5,000 each in four funds, totaling Rs 20,000 per month.
Lump Sum Investment: Rs 6 lakh in SBI Flexi Cap Fund.
The funds you have chosen are a mix of flexi cap and mid cap funds, which is a good start.

SIPs: A Steady Approach
Systematic Investment Plans (SIPs) are an excellent way to invest regularly. They help in averaging out the cost of investments and mitigate market volatility.

Evaluating Flexi Cap Funds
Flexi cap funds provide flexibility in investing across large, mid, and small-cap stocks. They offer a balance between risk and return. Your allocation in flexi cap funds shows a balanced approach.

Mid Cap Fund Investment
HDFC Mid Cap Opportunities Fund adds a bit more risk but also the potential for higher returns. Mid cap funds can outperform in a growing market but can also be volatile.

Goals and Expectations
Your goal is to accumulate Rs 1 crore in 10 years. To assess if you are on the right path, let's consider a few factors:

Expected Returns
Historically, equity mutual funds in India have delivered returns between 12-15% per annum. However, past performance is not indicative of future results. It's important to have realistic return expectations.

SIP Growth Projection
If you continue investing Rs 20,000 per month in SIPs, here’s how it might grow over 10 years, assuming an average annual return of 12%:

Total SIP Investment: Rs 24 lakhs.
Estimated Future Value of SIPs: Around Rs 47.5 lakhs.
Lump Sum Investment Growth
Your Rs 6 lakh lump sum investment in the SBI Flexi Cap Fund, assuming an average annual return of 12%, could grow to approximately Rs 18.6 lakhs in 10 years.

Total Future Value
Combining your SIPs and lump sum investments, the total estimated future value might be around Rs 66.1 lakhs. This is a substantial amount, but it falls short of your Rs 1 crore goal.

Adjusting Strategy for Goal Achievement
To bridge this gap, consider the following adjustments:

Increase SIP Contributions
One straightforward way to reach your goal is to increase your monthly SIP contributions. If you increase your SIPs from Rs 20,000 to around Rs 30,000 per month, the future value could be closer to Rs 71 lakhs from SIPs alone. Combined with your lump sum, you would be nearer to your Rs 1 crore goal.

Annual Increase in SIP
Consider an annual step-up in your SIP contributions. For example, increasing your SIP by 10% every year can significantly enhance your corpus over time.

Reinvest Dividends
Ensure that you have chosen the growth option for your mutual funds. Reinvesting dividends can help in compounding your returns over time.

Regular Review and Rebalancing
Periodically review your portfolio. Market conditions and fund performances can change. Rebalancing your portfolio ensures it stays aligned with your goals.

Actively Managed Funds: A Potential Edge
You mentioned having invested in several flexi cap and mid cap funds. Actively managed funds can potentially offer better returns than index funds. Experienced fund managers can make tactical decisions to navigate market conditions. This flexibility might provide an edge in achieving higher returns.

Benefits of Actively Managed Funds
Actively managed funds have the potential to outperform benchmarks, especially in volatile markets. Fund managers actively pick stocks based on research and market conditions, which might provide better returns.

Regular Funds Over Direct Funds
While direct funds have lower expense ratios, investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential can offer valuable benefits. They provide professional advice, portfolio reviews, and help in rebalancing investments as needed.

Disadvantages of Direct Funds
Direct funds require more active management by the investor. Without professional guidance, one might miss critical market signals or fail to rebalance the portfolio appropriately. This can potentially impact the overall returns.

Value of Professional Guidance
A Certified Financial Planner can help you navigate complex market conditions. They can provide tailored advice, ensure your investments align with your goals, and offer periodic reviews to keep your portfolio on track.

Investment Monitoring and Adjustments
Regular Portfolio Reviews
Review your portfolio at least once a year. This helps in assessing fund performance and making necessary adjustments. Underperforming funds can be switched for better-performing ones.

Rebalancing Strategy
Rebalancing involves adjusting your portfolio to maintain your desired asset allocation. It helps in managing risk and optimizing returns. This is crucial in volatile markets.

Emergency Fund and Insurance
Ensure you have an adequate emergency fund and sufficient insurance coverage. This protects your investments from being disrupted in case of unforeseen events.

Tax Efficiency
Tax Implications on Investments
Understand the tax implications of your investments. Long-term capital gains tax (LTCG) on equity funds is applicable beyond Rs 1 lakh of gains. Plan your investments to be tax-efficient.

Utilize Tax-saving Opportunities
Investing in tax-saving instruments like ELSS (Equity Linked Savings Scheme) can provide tax benefits under Section 80C. This not only helps in saving tax but also in growing your wealth.

Financial Discipline
Stick to Your Investment Plan
Stay disciplined and avoid making impulsive decisions based on short-term market fluctuations. Stick to your investment plan and review it periodically.

Avoid Frequent Fund Switching
Frequent switching of funds can incur exit loads and impact returns. Stick to your chosen funds unless there's a strong reason to change.

Long-term Perspective
Focus on Long-term Goals
Investing is a long-term journey. Focus on your long-term goals and avoid getting swayed by short-term market volatility. Patience and discipline are key to successful investing.

Diversification
Ensure your portfolio is well-diversified across different asset classes. This reduces risk and enhances the potential for returns.

Conclusion
Pinaki, your current investment strategy shows a commendable commitment to achieving your financial goals. You have diversified across different funds and invested regularly. However, to reach your goal of Rs 1 crore in 10 years, you might need to make some adjustments.

Consider increasing your SIP contributions, adopting an annual step-up strategy, and ensuring you have the growth option for your mutual funds. Regular portfolio reviews and rebalancing are crucial to staying on track.

Investing through actively managed funds with professional guidance can provide an edge in achieving higher returns. Stay disciplined, focus on your long-term goals, and avoid making impulsive decisions based on market fluctuations.

Remember, investing is a journey, and with the right strategy and discipline, you can achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8320 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2024

Asked by Anonymous - Jun 23, 2024Hindi
Money
I am 30years old investing monthly in SIPs as follows: 5000 in aditya birla sun life PSU equity direct fund, 3000 in nippon india small cap fund direct growth, 5000 in icici prudential infrastructure direct growth 4000 in quant small cap fund direct growth paln, 5000 in nippon large cap fund, 5000 in canara robeco equity hybrid fund regular. Apart from the above I have invested bulk 24k in invesco india psu india equity fund direct And 50k n 60k in canara manufacturing NFOs. My goal is to have 1cr, for how many years do i need to continue investing for me to reach my goal
Ans: It’s great to see that you are actively investing and planning for your financial future. Reaching a goal of Rs 1 crore is ambitious and achievable with disciplined saving and smart investment strategies. Let’s break down your investment journey and evaluate how to reach your goal.

Understanding Your Current Investments
Your current SIPs and lump sum investments are quite diverse. Here’s a snapshot of your monthly investments:

Rs 5,000 in a PSU equity fund.
Rs 3,000 in a small-cap fund.
Rs 5,000 in an infrastructure fund.
Rs 4,000 in another small-cap fund.
Rs 5,000 in a large-cap fund.
Rs 5,000 in a hybrid equity fund.
You have also invested:

Rs 24,000 in a PSU equity fund.
Rs 50,000 and Rs 60,000 in manufacturing NFOs.
This diversification is beneficial but needs a strategic review.

Evaluating Your Portfolio
Your portfolio leans towards sector-specific funds (PSU, infrastructure) and small-cap funds. While these can generate high returns, they also carry higher risks. Let's evaluate the pros and cons of your investment choices.

Pros:

High Growth Potential: Small-cap and sector-specific funds can offer significant returns during market uptrends.
Diversification: Investing in different sectors spreads risk.
Hybrid Fund: Provides a mix of equity and debt, balancing growth and stability.
Cons:

High Volatility: Small-cap and sector-specific funds are more volatile and risky.
Sector Concentration Risk: Heavy investment in specific sectors can be risky if those sectors underperform.
Lack of Stability: Lack of significant investments in more stable, large-cap funds.
Actively Managed Funds vs. Index Funds
While actively managed funds can potentially offer higher returns, they come with higher management fees. However, their benefits often outweigh the disadvantages of index funds.

Disadvantages of Index Funds:

Passive Management: Index funds simply replicate the index without any strategic adjustments.
Market Dependency: They perform in line with the market, offering no downside protection.
Limited Flexibility: No room for fund managers to capitalize on market inefficiencies.
Advantages of Actively Managed Funds:

Professional Management: Fund managers make strategic decisions to outperform the market.
Flexibility: Ability to adapt to market changes and economic conditions.
Potential for Higher Returns: Active management can potentially yield better returns.
Disadvantages of Direct Funds
Direct funds might have lower expense ratios, but regular funds come with the benefit of professional guidance.

Disadvantages of Direct Funds:

No Professional Guidance: You miss out on the expertise of a Certified Financial Planner.
DIY Approach: Requires more personal research and time investment.
Risk of Poor Decisions: Without professional advice, there's a higher risk of poor investment choices.
Benefits of Regular Funds:

Expert Advice: CFPs provide tailored advice based on your financial goals.
Portfolio Management: Ongoing monitoring and rebalancing of your portfolio.
Stress-free Investing: Less effort required from your side in managing investments.
Projecting Your Goal Achievement
To reach Rs 1 crore, you need a strategic plan. Assuming an average annual return of 12%, which is a reasonable expectation for a diversified equity portfolio, let’s estimate the timeframe.

Your current SIP investment totals Rs 27,000 per month. The lump sum investments add another dimension. Here’s a breakdown:

Monthly SIP: Rs 27,000
Lump Sum: Rs 1,34,000
Long-term Investment Horizon
Given your current investments, let's assess how long it might take to reach Rs 1 crore.

Investment Growth Factors:

Consistent SIPs: Continuing your Rs 27,000 monthly SIP.
Market Performance: Assuming an average annual return of 12%.
Regular Review: Adjusting your portfolio as needed with professional advice.
Detailed Investment Strategy
Reevaluate Sector-specific Funds:
Sector funds can be volatile. Consider balancing them with more stable, diversified funds.

Increase Large-cap Exposure:
Large-cap funds offer stability. They should form a core part of your portfolio.

Hybrid Funds for Stability:
Continue with hybrid funds for a balanced approach.

Regular Monitoring:
Have a CFP regularly review and rebalance your portfolio.

Tax Efficiency and Savings
Consider the tax implications of your investments. Equity funds held for over a year are subject to long-term capital gains tax, which is lower than short-term. Utilize tax-saving funds like ELSS to benefit from Section 80C deductions.

Benefits of a Certified Financial Planner (CFP)
A CFP can provide invaluable assistance:

Tailored Advice: Aligning investments with your financial goals.
Risk Management: Balancing risk and return effectively.
Portfolio Rebalancing: Adjusting investments based on market conditions.
Adjusting Your Investment Strategy
To optimize your journey towards Rs 1 crore:

Diversify Wisely: Balance high-risk, high-reward investments with stable ones.
Focus on Long-term Growth: Prioritize long-term potential over short-term gains.
Leverage Professional Guidance: Utilize a CFP for informed decision-making.
Final Insights
To summarize:

Maintain and Review: Keep your current SIPs but consider diversifying further.
Adjust Sector Exposure: Reduce concentration in sector-specific funds.
Increase Stability: Add more large-cap and hybrid funds.
Utilize Professional Help: Regularly consult a CFP for portfolio adjustments.
Stay Committed: Continue disciplined investing and regular reviews.
Achieving Rs 1 crore is possible with consistent investing, strategic diversification, and professional guidance. Stay committed to your financial goals and regularly reassess your strategy to ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8320 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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i am 30 years (unmarried).i have following investment in- Gold SIP(100 month) RD for 6 mnths (17k p.m) FD in small finance bank for 201 days(10k) Invested in stock market (78k) MUTUAL FUND(for last 3 years) SBI BLUECHIP DIRECT PLAN GROWTH(4K) QUANT SMALL CAP FUND DIRECT PLAN GROWTH(4K) UTI FLEXI CAP DIRECT GROWTH (1K) ICICI PRUDENTIAL TECHNOLOGY DIRECT PLAN (1K) HDFC LARGE CAP DIRECT PLAN GROWTH( 1.2K) TATA DIGITAL DIRECT GROWTH(1.5K) ICICI PRUDENTIAL COMMODITIES FUND(500) How can i achieve 1 CR and in what time.
Ans: You have a well-diversified portfolio across gold, RD, FD, stocks, and mutual funds.
Your mutual fund SIPs total Rs. 12.2K per month, spread across different categories.
Your stock market investment is Rs. 78K, which is a good start.
Gold SIP and RD offer stability but may not provide high growth.
Evaluating Your Financial Goal
You want to achieve Rs. 1 crore, but the timeline is not mentioned.
Your SIPs and stock investments will compound over time.
If you invest consistently and increase SIPs, you can reach Rs. 1 crore faster.
Steps to Reach Rs. 1 Crore
Increase SIP Contributions
Your current SIP of Rs. 12.2K per month can be increased gradually.
If possible, raise your SIP by 10% every year.
This will take advantage of compounding and market growth.
Review and Rebalance Your Portfolio
Your portfolio has sectoral and small-cap funds, which are high risk.
Consider a balance of large-cap, flexi-cap, and mid-cap funds.
Avoid thematic funds as they may underperform in some phases.
Reduce Low-Yielding Investments
RD and small finance bank FD provide safety but not high returns.
Instead, allocate more to mutual funds or a debt fund for stability.
Continue Stock Market Investments
Investing in direct stocks can give higher returns if done wisely.
Invest only in fundamentally strong companies with long-term growth potential.
Consider keeping 5-10% of your portfolio in direct stocks.
Emergency and Risk Management
Ensure you have an emergency fund covering 6-12 months of expenses.
If not, set aside some money in a liquid fund or savings account.
Get adequate health insurance and a term life cover if dependents exist.
Final Insights
Achieving Rs. 1 crore depends on consistent investments and market growth.
Increase SIPs every year and maintain a balanced portfolio.
Reduce low-yield investments and focus on long-term wealth creation.
Regularly review and adjust investments based on performance.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Radheshyam

Radheshyam Zanwar  |1603 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 06, 2025

Career
Dear Sir, as my son Inter bord got 91% but in Jee mains 1st attempt got 50% and 2nd attempt got 70%, but he was not eligible for Advance, and he was wrote other college exams as (IIIT Hyd + VIT+TSEAPCET) in that VIT got results as 1.20 Lakh rank and he was eligible for Round of Category of 5th for VIT-AP & VIT-Bhopal, and expecting results for IIIT Hyd and also waiting for other Exams as (COMEDK + MIT + BITS), he was sincerely trying the efforts private college entrance exams, but the results which is not satisfy for him, and getting disappoint, but I was giving the motivation for other exams and do the hard work and focus on, BITS & IIT-Hyd also very tuff and more competitive, as i need to think for the negative side, if he could not get any cut of marks, what is the next option....? I request you pls give any other alternate suggestions for which is alternate engineering university for the course of (CSE AI & ML), my son interested in CSE course only
Ans: Hello Rakesh
First and foremost, I would like to commend your son for his earnest efforts in preparing for a range of engineering entrance examinations. His dedication is commendable, even if the outcomes so far haven't aligned with expectations. As you’ve mentioned, he has not yet been able to meet the required cutoff, which understandably may lead to feelings of disappointment or frustration.
However, the journey isn't over. Significant opportunities still lie ahead with BITSAT and IIIT-Hyderabad, both of which are known to be less about difficulty and more about testing strategic thinking and conceptual clarity. It appears that your son may be facing challenges in effectively managing the vast syllabus or might not yet have identified the right approach to tackle these competitive exams. Understanding how to study smartly for such tests often makes all the difference.
It’s important to maintain a positive outlook and avoid negative assumptions at this stage. You haven’t mentioned your financial circumstances, but if your son is determined to pursue fields like Computer Science, Artificial Intelligence, or Machine Learning, and if merit-based options don’t materialize, admission through the management quota could be a viable alternative. This route is typically available in reputed private engineering colleges, though it comes with a higher financial commitment.
Before considering this option seriously, I would recommend waiting for the results of all the remaining entrance exams. At the same time, it would be wise to proactively visit a few reputed institutions to inquire about the availability of management quota seats, associated costs, and relevant terms and conditions. Many parents secure such seats early on, anticipating the challenges their child might face in clearing competitive cutoffs.
Stay optimistic, there are still several promising pathways ahead.
Follow me if you like the reply. Thanks
Radheshyam

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Dr Nagarajan J S K

Dr Nagarajan J S K   |372 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 06, 2025

Asked by Anonymous - May 06, 2025
Career
can i get admission in NFSU through jee mains score only ? because i gone on NFSU admission portal link for B.Tech-M.Tech Integrated program in Computer Science and Engineering (Cyber Security) but they asking about NFAT exam
Ans: Hi,
I apologize for any confusion, but I want to clarify that when the government asked for our support of the ONE NATION ONE CARD system, we did not accept it. Similarly, everyone is required to open a savings account at a bank, and many of us expressed our discontent. However, we can see the positive changes happening in India. If we support the government, they will reciprocate by providing benefits to the citizens.

In terms of education, the government is attempting to implement a new education policy, which has proven to be quite difficult. The education system has changed significantly before and after the pandemic. Now, the government is working on new policies that align with those of developed countries.

Therefore, we cannot expect the ONE STUDENT ONE EXAM system from the government at this time, as it is not included in the current guidelines. Each council or organization has its own set of guidelines, and synchronizing them will take time. At this moment, it is simply not feasible.

The NFAT exam is different from the JEE. In the case of the JEE, they did not notify the aspirants that they are eligible to apply for NFSU, and similarly, NFSU did not mention that JEE rank holders could also apply. Therefore, if you want admission to NFSU, you need to register and appear for the NFTA.

In the near future, we can expect the ONE STUDENT ONE EXAM system from this BJP government for the benefit of younger generations. For the benefit of postgraduate aspirants (for all courses except a few professional ones), the NTA is organizing the PGCUET exam nationwide. In this exam, you can opt for up to four different courses based on your eligibility.

A similar exam pattern is needed for engineering and medical fields as well. As I mentioned, we can expect this change; however, we, as citizens, should offer moral support for the benefit of younger generations. Unfortunately, we often do not provide this support to the government. For example, in the NEET exam, many aspirants do not follow the guidelines even when appearing for the exams.
BEST WISHES

POOCHO. LIFE CHANGE KARO.

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Dr Nagarajan J S K

Dr Nagarajan J S K   |372 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 06, 2025

Career
Hello sir I have taken a 1 year drop for neet 2025 from pw online . But now I am scoring only 300 in neet .Now i am very confused what to do should I take one more drop or chose any option. This time i want to join offline coaching and really want to work hard but afraid that the coaching centre after knowing my marks will give me their worst batch so what should i do ?
Ans: Hi Ritika,
You mentioned that you scored only 300 in NEET. While we can't make any judgments until the official results are published, I must say that a score of 300 is quite low.

If you're planning to reappear for NEET, that's a good decision! However, I understand you might be worried about the coaching classes placing you in a less suitable batch. I recommend attending for 2 or 3 days while attending the coaching just follow the below instructions.

Make a list of the subjects and chapters you find challenging. Discuss these areas with your coaching faculty and aim to ask at least 15-20 questions daily to clarify your doubts and enhance your understanding. Additionally, request tips and tricks for each chapter so that you can put in a lot of effort to reach your goal.

Alternatively, you can prepare 10 questions on your own and seek answers from your coaching faculty. If you maintain this practice throughout the course, you'll build your confidence, and the coaching staff may consider changing your group due to your proactive approach in asking questions.

Through NEET, you can also pursue other medical-related courses such as BAMS, BSMS, BHMS, BYMS, BNYS, and BDS.

If you don’t have confidence in yourself, you might consider dropping NEET and exploring other courses. However, I encourage you to take one chance and follow my suggestions.

Additionally, if you are not already practicing yoga and meditation, I recommend starting. These activities can help you concentrate better and reduce distractions while studying.

Best of luck!
POOCHO. LIFE CHANGE KARO.

...Read more

Dr Nagarajan J S K

Dr Nagarajan J S K   |372 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on May 06, 2025

Career
Hlo I have taken a 1 year drop in 2024 for neet but i am scoring only 300 . Now I am so confused what to do I really want to crack neet and this time i want to join offline coaching but afraid that i can do it or not Please tell me what to do
Ans: Hi Ritika,
Good decision! Offline coaching is far better than online coaching because it allows you to focus on your studies more effectively.

You mentioned that you need to crack the exam, so here are some tips on how to do that:

First, identify which subjects and chapters you find challenging and make a list. Discuss these areas with your coaching faculty. Aim to ask at least 10 questions daily to clarify your doubts and enhance your understanding.

Alternatively, you can prepare 10 questions on your own and seek answers from your coaching faculty. If you maintain this practice throughout the course, you will build your confidence.

Additionally, if you are not practicing yoga and meditation, I recommend starting. These activities can help you concentrate better and reduce distractions while studying.

Best of luck!

POOCHO. LIFE CHANGE KARO.

...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.

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