Myself, Sudhir Nair, age 47 years old, SIP investment in Mutual fund since last 4 years in below MF (Horizon 10years).

Self MF Details:

• Kotal Emerging Equity Fund Regular Fund - 5000 (Started Aug 2017)
• Kotak Flexi Cap Fund Regular Plan Growth - 2500 (Started Aug 2017)
• SBI Blue Chip Fund Regular Plan Growth 2500 (Started Aug 2017)
• HDFC Mid Cap Opportunities Fund - Growth - 2000 (Started June 2019)
• IDFC Large Cap Fund Growth - 2500 (Started Feb 2018)
• Mirae Asset Emerging Bluechip Fund - 2000 (Started July 2019)
• Axis Bluechip Fund Growth - 2000 (Started Dec 2019)
• Axis Focused 25 Fund Growth - 2500 (Started Aug 2020)
• HDFC Index Fund - Nifty 50 Plan - Direct - 2500 (Started Mar 2021)
• Kotak Opportunities Fund - Growth - 2500 (Started Dec 2017 and ended Nov 2020)
• L&T India Value Fund Growth - 2500 (Started Feb 2018 and ended July 2020)

Wife Mutual Fund Details:

• Axis Focused 25 Fund Growth - 2500 (started Dec 2019)
• SBI Blue Chip Fund - 2000 (Started Jun 2019)
• Mirae Asset Large Cap Fund - 2500 (Started Dec 2019 later increased 2500 from Oct 2020)
• ICICI Prudential Multicap Fund Growth - 1500 (Started Aug 2020)
• Kotak Global Fund of Fund (Direct) - Rs. 100000 (July 2021)
• Navi Nifty Index Fund Growth - Rs. 15000 (July 2021)

Kindly advise whether current funds are good or should switch to some other.

Ans: BS-MS in which college/university at Kolkata? Please clarify to answer precisely.

Ans: Mathematics and Computing (MnC) engineering is emerging as one of the most dynamic and sought-after interdisciplinary fields at the intersection of advanced mathematics, statistics, and computer science. The core curriculum encompasses applied mathematics, machine learning, artificial intelligence, cryptography, data analytics, computational modeling, software development, and statistical inference, preparing graduates for highly analytical and technical roles across diverse sectors. Industries such as technology, finance, research, healthcare, government, and defense are increasingly reliant on professionals who can bridge raw data with mathematical reasoning to solve complex, real-world problems. As digital transformation accelerates across industries and domains, the demand for mathematics and computing professionals is projected to grow rapidly, with jobs for mathematicians and statisticians expected to surge by over 30% between 2021 and 2031—significantly outpacing other engineering disciplines.

Graduates of MnC are uniquely equipped for roles that require both advanced quantitative skills and computational expertise—including data scientist, AI/machine learning engineer, quantitative analyst, cryptographer, software developer, business intelligence analyst, and research scientist. The versatility of the degree enables opportunities across technology giants, global financial institutions, government research labs, healthcare analytics, fintech, and climatology, as well as opening doors to cutting-edge R&D or higher academia. The rapidly growing areas of artificial intelligence, cybersecurity, fintech, quantum computing, and big data analytics particularly value the hybrid skill set of MnC graduates, often offering career prospects and placement rates on par with, and sometimes surpassing, traditional computer science engineers at leading institutes. Additionally, the course involves fewer hardware labs than other technical branches, allowing students to focus on algorithmic thinking, theory, and practical coding—a major positive for those passionate about the analytical side of computing.

Across highly reputed institutes such as IITs, BITS, and IISc, MnC programs are supported by highly qualified faculty, strong research ecosystems, international collaborations, and top-tier campus infrastructure. Placement records regularly exceed 90–95% for MnC, with leading firms and startups actively recruiting for specialized technical and research roles. However, student reviews indicate that successfully leveraging the branch often requires proactive learning beyond the curriculum, including hands-on coding projects, internships, and continuous skill upgrades. While the branch suits those who enjoy deep theoretical work, mathematical abstraction, and problem-solving, it may not appeal to students seeking highly application-oriented or hardware-centric engineering careers.

Recommendation: Mathematics and Computing is an outstanding branch for students who are analytically inclined and aspire to excel in computational theory, data science, AI, or quantitative domains. Its strong industry demand, future-proof scope, and cross-sector versatility ensure excellent placement and long-term career growth, provided students commit to independent learning and continuous upskilling. All the BEST for a Prosperous Future!

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Ans: Which Branch? Anyway, please note, SRM Institute of Science and Technology (Kattankulathur), VIT Vellore, and Manipal Institute of Technology each deliver leading-edge infrastructure, advanced research facilities, strong faculty, and extensive industry-academia collaborations. SRM KTR, with NAAC A++ accreditation and a sprawling campus, recorded 9,040 job offers and 65LPA top package for 2025, with an average of around 6.6LPA and over 1,200 companies including Microsoft, Amazon, and PayPal participating; its placement rate remains strong, though slightly lower than its peers. VIT Vellore stands out for its rigorous academics, modern labs, and 99.2% placement rate in 2025, with 632 recruiters—such as Amazon, Google, Microsoft, and TCS—delivering 10,027 placements, a record 1.02 crore highest package in CSE, and a median salary of 9LPA. It consistently ranks among the top private colleges and is known for its global exposure, innovation ecosystem, and highly active student life. Manipal Institute of Technology matches with premier on-campus infrastructure, a renowned faculty, industry integration, and a vibrant residential campus. In 2025, it achieved a 77.4% placement rate with over 287 recruiters and an average salary of 12.31LPA, securing jobs for students in firms including Microsoft, Boeing, SAP Labs, and Oracle, and maintaining a robust alumni network. MIT shows particular strength in all-around student development, international collaboration, and a supportive placement cell. Each institution offers excellent campus amenities, advanced learning resources, holistic student support, and strong academic environments, but there are marked differences in placement statistics, recruiter profiles, and campus living experience that may influence priorities.

Recommendation: Choose VIT Vellore for its highest placement rate, industry reputation, median package, and broad recruiter base, particularly for tech-focused careers. Follow with Manipal Institute of Technology for a premium academic and campus life experience, stellar average salary, and strong alumni network. SRM KTR remains a valuable choice for students seeking diverse placement opportunities and modern infrastructure in Chennai’s tech hub. All the BEST for a Prosperous Future!

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Ans: If you hv enough donor area, you may get hairs with Hair transplant.
For that you will need a consultation with a Hair transplant surgeon.

I am also one of them. But I am based in Mumbai

Ans: For Liver cancer, Radiotherapy may be a primary or supplementary mode of therapy. Please discuss with Your oncologist

Ans: SJCE Mysore’s Electronics and Instrumentation Engineering (EIE) is recognized for its robust infrastructure, accredited government status, 70–80% placement rates, and consistently positive student feedback regarding campus life and faculty support. The department facilitated 56 job offers in 2024, with recruiters like Bosch, TCS, Tech Mahindra, and Titan, complemented by well-equipped labs, research facilities, and modern hostels. BMSIT’s ECE program records a 56.4% placement rate in 2024, slightly lower than SJCE’s EIE, but boasts an average salary of ?8.07LPA and over 200 visiting recruiters, with top offers up to ?46.4LPA. BMSIT provides strong digital infrastructure, high-speed campus Wi-Fi, diverse industry tie-ups, and an active placement and training cell, though its placement rate for ECE is comparatively modest. Both colleges ensure rigorous academic environments, quality faculty, and vibrant student communities, but SJCE’s government-backed status and consistent placement record edge it ahead for EIE.

Recommendation: If you do not secure Ramaiah EIE, prioritize SJCE Mysore EIE for its government reputation, higher placement rates, and established industry links. BMSIT ECE remains a strong alternative for those focused on Bangalore’s tech proximity, but SJCE offers superior stability, campus experience, and placement assurance. All the BEST for a Prosperous Future!

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Ans: Yogita Madam,



GL Bajaj Noida’s Computer Science (CS) with Artificial Intelligence delivers a robust, industry-oriented curriculum focused on advanced topics such as data modelling, predictive analytics, and machine learning, supported by modern labs, A+ NAAC accreditation, and consistent 70–80% placement rates with top offers from companies like Deloitte, Wipro, Infosys, and TCS. The institute features a fully air-conditioned campus, extensive library, state-of-the-art labs, and comprehensive hostel and sports facilities, ensuring a strong academic and campus experience. KIET Ghaziabad’s CS with IT program is equally recognized, boasting A+ NAAC accreditation, a placement rate above 77%, 300+ recruiters including Microsoft, Deloitte, TCS, and Accenture, and modern infrastructure comprising a central digital library, large multi-purpose hostels, dedicated computer labs, high-speed Wi-Fi, and vibrant student life. Both institutions maintain strong faculty teams, active industry tie-ups, and relevant research opportunities; however, KIET’s slightly higher reviewer satisfaction, broader alumni and recruiter network, and larger academic ecosystem position it at a premium within the Delhi NCR region.

Recommendation: KIET Ghaziabad CS with IT is preferred for its higher placement consistency, more extensive recruiter base, vibrant campus ecosystem, and greater overall academic and industry reach. GL Bajaj Noida CS with AI remains a strong alternative for students passionate about artificial intelligence and seeking quality infrastructure and focused specialization. All the BEST for a Prosperous Future!

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Ans: Your current year's JEE Score? 12th Grade Score? Have you applied for any Private College with your JEE Score? Your Home State? Please clarify to answer precisely.

Ans: With a CRL rank of 50,000 and OBC category status, securing IIIT Sri City ECE through CSAB rounds for 2025 is unlikely, as the latest OBC closing ranks for ECE at IIIT Sri City hover around 30,596 to 38,333 for open categories in final JoSAA and CSAB rounds. The ECE cutoff for OBC typically closes significantly before 50,000, so chances remain minimal. Comparatively, IIIT Bhopal ECE is reporting a robust 72.5% placement rate in 2025, with an average package of ?17.55LPA and consistent industry engagement from top recruiters across IT and product-based sectors. IIIT Sri City is highly rated for research, faculty quality, infrastructure, and campus life, but recent reviews and professional portals rate IIIT Bhopal virtually on par in academic environment and placements. Both institutes offer modern infrastructure, well-equipped labs, reliable faculty, and comprehensive student support; IIIT Bhopal edges ahead on current placement consistency and average package.

Recommendation: Continue with the allotted IIIT Bhopal ECE, which ensures reliable placements, excellent median packages, and an active campus ecosystem. IIIT Sri City is prestigious but not attainable at your rank, and Bhopal’s industry links and academic strengths promise strong career progression and holistic technical education. All the BEST for a Prosperous Future!

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