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Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 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
Rohith Question by Rohith on Apr 04, 2024Hindi
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Namaste Ramalingam Sir, I have Started SIP 2014 with one fund, but started really focusing on from last 2 years with multiple fund and also increased the top-up on few fund. New SIP Fund Details 1. Aditya Birla Sun Life Gold Fund - Gr : 2500 from Jan-2024 2. Kotak Business Cycle Fund - Gr : 2000 from Oct-2022 3. NJ ELSS Tax Saver Scheme - Gr : 3000 from Aug-2023 4. SBI Blue Chip Fund - Gr : 2500 from Jan-2024 Existing SIP Fund & TOP up 5. Baroda BNP Paribas India Consumption Fund - Gr : 1500 from Sept-2022 & Top Up from Jan-2024 6. Nippon India Flexi Cap Fund - Gr : 1500 Started from Sept-2022 & Top Up from Jan-2024 7. Tata Equity P/E Fund Gr : 2000 from July-2014 & Top Up from Jan-2024 Total of 20k SIP Can you just review my portfolio and guide us wither investment is on right fund. Thank you in advance Rohith Adiga

Ans: Your portfolio seems well-diversified across various fund categories, which is a positive approach. It's essential to regularly review your investments to ensure they align with your financial goals and risk tolerance. Consider the purpose of each fund in your portfolio and whether it complements your overall investment strategy. If any fund consistently underperforms or no longer fits your investment objectives, you may consider reallocating or replacing it. Additionally, monitoring market trends and staying updated on economic developments can help you make informed investment decisions. If you're unsure about any aspect of your portfolio, consulting a financial advisor can provide valuable insights tailored to your individual circumstances.
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  |8005 Answers  |Ask -

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

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Namaste Kirtan Sir, I have Started SIP 2014 with one fund, but started really focusing on from last 2 years with multiple fund and also increased the top-up on few fund. New SIP Fund Details 1. Aditya Birla Sun Life Gold Fund - Gr : 2500 from Jan-2024 2. Kotak Business Cycle Fund - Gr : 2000 from Oct-2022 3. NJ ELSS Tax Saver Scheme - Gr : 3000 from Aug-2023 4. SBI Blue Chip Fund - Gr : 2500 from Jan-2024 Existing SIP Fund & TOP up 5. Baroda BNP Paribas India Consumption Fund - Gr : 1500 from Sept-2022 & Top Up from Jan-2024 6. Nippon India Flexi Cap Fund - Gr : 1500 Started from Sept-2022 & Top Up from Jan-2024 7. Tata Equity P/E Fund Gr : 2000 from July-2014 & Top Up from Jan-2024 Total of 20k SIP Can you just review my portfolio and guide us wither investment is on right fund. Thank you in advance Rohith Adiga
Ans: Rohith,

It's commendable to see your dedication towards building a diversified investment portfolio through SIPs. Reviewing your portfolio is crucial to ensure it remains aligned with your financial goals and risk tolerance.

Firstly, let me appreciate your proactive approach in diversifying your investments across multiple funds. This spreads risk and enhances potential returns. However, it's essential to periodically evaluate the performance of each fund and make adjustments as necessary.

Consider factors like fund performance, consistency, fund manager's track record, and investment objectives. Additionally, assess whether your portfolio reflects your risk appetite and investment horizon.

Remember, investing is a journey, not a destination. Stay informed, stay patient, and stay committed to your financial goals. Regularly review and rebalance your portfolio to adapt to changing market conditions and personal circumstances.

As a Certified Financial Planner, my role is to guide you on this journey, providing insights and recommendations tailored to your unique situation. Feel free to reach out for further assistance or clarification.

Wishing you success in your investment journey!

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Sir my age is 32 years, I have started Sip since July 2023 my investment details are below Nippon small cap 2k Quant small cap 1k Tata small cap 1k Sbi small cap 2k ICICI prudential value 2k Quant mid cap 3k Sbi magnam mid cap 2k Sbi contra fund 3k Parag Parikh flexi cap 2k 25 years sip plan with step up, please review my portfolio,
Ans: Your proactive approach to investing in SIPs at a young age is commendable. This sets a strong foundation for long-term wealth creation. Your diversified portfolio reflects a good understanding of market opportunities and risks.

Evaluating Your Current Portfolio
Current Investments:

Your SIPs are spread across small cap, mid cap, and contra funds, with a flexi cap for additional diversification.
Each category serves a distinct purpose in your investment strategy.
Portfolio Composition Analysis
Small Cap Funds:

Growth Potential: Small cap funds offer high growth potential but come with higher risk.
Current Allocation: You have ?6,000 in small cap funds, which is quite aggressive.
Assessment: High risk, high return. Ensure you are comfortable with the volatility.
Mid Cap Funds:

Balanced Growth: Mid cap funds provide a balance between growth and stability.
Current Allocation: ?5,000 in mid cap funds. This is a good strategy to capture growth while managing risk.
Assessment: Moderately risky, suitable for long-term goals.
Value and Contra Funds:

Defensive Strategy: These funds invest in undervalued stocks, aiming for long-term growth.
Current Allocation: ?5,000 combined in value and contra funds.
Assessment: Less risky, suitable for market downturns.
Flexi Cap Funds:

Diversification: Flexi cap funds invest across market capitalizations, providing diversification.
Current Allocation: ?2,000 in flexi cap.
Assessment: Provides a safety net by diversifying across various market segments.
Recommendations for Optimization
Balancing Risk and Growth:

Reallocation Suggestion: Consider reallocating some funds from small cap to more stable options like large cap or balanced funds.
Reason: Reduces overall portfolio risk while still aiming for growth.
Introduction of Large Cap Funds:

Suggestion: Add a large cap fund to your portfolio.
Reason: Large cap funds provide stability and steady returns, balancing the high-risk small and mid cap funds.
Balanced Funds:

Suggestion: Include a balanced or hybrid fund.
Reason: These funds invest in both equity and debt, offering a balanced risk-reward profile.
Portfolio Step-Up Strategy
Regular Increases:

Implementation: Increase your SIP contributions annually as planned.
Reason: Step-up SIPs help in compounding your investments more effectively.
Importance of Professional Guidance
Engage a Certified Financial Planner (CFP):

Benefits: Personalized advice tailored to your financial goals and risk tolerance.
Reason: A CFP can help optimize your portfolio and ensure it aligns with your long-term goals.
Regular Monitoring and Review
Periodic Portfolio Review:

Frequency: Review your investment portfolio at least annually.
Reason: Ensures your investments stay aligned with your goals and market conditions.
Rebalancing:

Action: Rebalance your portfolio if any fund significantly outperforms or underperforms.
Reason: Maintains desired asset allocation and risk level.
Final Thoughts
Your disciplined investment in SIPs across diverse funds is a strong start. For optimal growth and risk management, consider introducing large cap and balanced funds into your portfolio. Regular reviews and professional guidance will keep your investments on track. Your commitment to a 25-year plan with step-ups shows foresight and determination, paving the way for substantial wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2024

Asked by Anonymous - May 27, 2024Hindi
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Please review my SIP portfolio - HDFC Retirement fund 10K pm ICICI Retirement fund 10K pm UTI Mutual Fund UTI Mid Cap Fund - Regular Plan 5k pm SUNDARAM LARGE AND MID CAP FUND - REGULAR GROWTH 5k pm Union Children's fund 10k pm Aditya Birla Sun Life Multi-Cap Fund Regular Growth 10k pm Samco Flexi Cap Fund - 10k pm Union Innovation and Opportunities Fund - Regular Growth - 10k pm Parag Parikh Flexicap 2k pm Parag Parikh Dynamic asset allocation fund 5k pm Bank of India Manufacturing and Infrastructure fund 10k pm ULIP Plan (midcap momentum fund) - 5k pm HDFC Large cap and mid cap - IDCW - 500 rs pm Intention is to invest and hold for 15 more years. What changes do I bring in?
Ans: Understanding Your Investment Goals
You have a well-structured SIP portfolio with a diverse range of mutual funds and plans. Your goal is to invest and hold for 15 more years, which is a commendable strategy for long-term wealth creation. The mix of funds you've chosen indicates a balanced approach towards growth and security.

Assessment of Current Portfolio
Your portfolio consists of various mutual funds, including retirement funds, mid-cap, large-cap, multi-cap, and sector-specific funds. This diversity helps in spreading risk across different sectors and market capitalizations. Investing Rs. 10,000 per month in each of the retirement funds is a sound decision, as these funds are designed to provide stability and growth over the long term.

Evaluating Fund Types
You have included mid-cap and large-cap funds, which offer growth potential and relative stability. Mid-cap funds are known for their high growth potential but come with higher volatility. Large-cap funds provide stability and consistent returns over time. Your investment in multi-cap and flexi-cap funds ensures flexibility in adjusting the portfolio according to market conditions.

Regular vs. Direct Funds
You have opted for regular plans instead of direct funds, which is beneficial. Regular funds come with the advantage of professional advice and management. A Certified Financial Planner (CFP) can help you make informed decisions and provide insights that are not easily accessible through direct funds.

Sector-Specific Investments
Your portfolio includes sector-specific funds like the manufacturing and infrastructure fund. These funds can provide high returns when their respective sectors perform well. However, they also come with higher risk if the sector faces downturns. Balancing these with more stable funds is a good strategy.

Child-Specific Investments
Investing in a children's fund is a thoughtful decision. These funds are designed to provide long-term growth and cater to future educational and other needs of your children. Ensuring a regular investment in these funds will secure your child's future financial needs.

ULIP and Retirement Funds
Your inclusion of a ULIP plan with a mid-cap momentum fund and various retirement funds shows a balanced approach. ULIPs combine insurance with investment, providing dual benefits. However, they often come with higher charges. Evaluating the performance and costs associated with ULIPs regularly is essential.

Reviewing Fund Performance
Regularly review the performance of your funds. Compare their returns with benchmark indices and peer funds. This helps in identifying underperforming funds and making necessary adjustments.

Risk Management
Your portfolio shows a balanced approach to risk with investments in large-cap, mid-cap, and multi-cap funds. Adding dynamic asset allocation funds helps in adjusting the portfolio according to market conditions, further managing risk effectively.

Recommendations for Portfolio Enhancement
Maintain Portfolio Balance: Ensure a mix of equity and debt funds to balance risk and return. Consider including more dynamic asset allocation funds if market volatility increases.

Monitor Sector Exposure: Regularly review sector-specific funds to avoid overexposure to any single sector. Diversify further if necessary.

Evaluate ULIP Performance: Regularly assess the performance and charges associated with ULIPs. Ensure they align with your financial goals.

Stay Informed: Keep yourself updated with market trends and seek professional advice from a Certified Financial Planner to make informed decisions.

Flexibility in Investments: Be open to adjusting your portfolio based on market conditions and life changes. Regularly rebalance your portfolio to maintain the desired asset allocation.

Appreciating Your Strategy
Your approach to long-term investment through SIPs is commendable. Regular investments and a diversified portfolio are key to achieving financial stability and growth. Your thoughtful inclusion of children's funds and retirement plans shows a strong commitment to securing your family's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

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

Asked by Anonymous - Jun 16, 2024Hindi
Money
Hi sir. I am 38 years old have started SIP from 2024 jan. Following are the fund i am doing SIP. 1. Kotak ELSS 2. Quant ELSS 3.parag parikh flexi cap- regular 4.Nippon infrastructure growth-regular 5. SBI contra- regular 6.franklin india focussed equity fund-regular 7.Bajaj finserv multiasset alocation-regular 8.ICICI prudential silver ETF fund 9.ICICI prudential bharat 22 fof 10. HDFC small cap fund- regular My total monthly SIP amount 23000 INR. Kindy let me know if i have good portfolio diversification. Do i need to stop SIP in any kf above fund and start some other good fund. My motto is to get maximum return for next 10-15 years.
Ans: Assessing Your Investment Portfolio
Your investment portfolio is diversified, and that is commendable. However, let’s delve into the specifics of your funds to see if there’s room for optimization. Portfolio diversification is essential, but too many funds can lead to over-diversification, which might dilute returns.

Equity Linked Savings Schemes (ELSS)
You have two ELSS funds. ELSS is excellent for tax-saving under Section 80C. They also offer the potential for high returns due to their equity exposure. However, investing in multiple ELSS funds can be redundant. Consider consolidating your ELSS investments into one well-performing fund to streamline your portfolio.

Flexi Cap Funds
Flexi cap funds are versatile as they invest across market capitalizations based on the fund manager's outlook. Your flexi cap fund choice is prudent as it offers flexibility and diversification within itself. This type of fund can balance risk and reward effectively, adapting to market conditions.

Sectoral and Thematic Funds
You are investing in an infrastructure growth fund. Sectoral funds can provide high returns but come with higher risk due to their concentrated exposure. Infrastructure is a promising sector but is also susceptible to economic cycles and regulatory changes. It’s wise to limit exposure to such sector-specific funds to avoid significant volatility in your portfolio.

Contra Funds
Contra funds invest in undervalued stocks and follow a contrarian approach. These funds can provide significant returns during market corrections when undervalued stocks rebound. However, they require patience and a long-term horizon, which aligns well with your 10-15 year investment goal.

Focused Equity Funds
Focused equity funds concentrate on a limited number of stocks. This strategy can yield higher returns if the selected stocks perform well but also increases risk due to lower diversification. Ensure that the focused equity fund aligns with your risk tolerance and long-term goals.

Multi-Asset Allocation Funds
Multi-asset allocation funds invest across asset classes like equity, debt, and gold, providing diversification and risk management. This fund type is suitable for balanced growth and risk mitigation. Including such a fund in your portfolio adds stability and reduces dependency on market performance.

Precious Metals Fund
Your investment in a silver ETF fund adds an element of commodity diversification. Precious metals like silver can hedge against inflation and currency fluctuations. However, precious metal funds can be volatile and might not perform consistently over time. Limit exposure to such funds to avoid excessive risk.

Fund of Funds (FoF)
The Bharat 22 FoF invests in a basket of stocks from the Bharat 22 index, providing diversification within a single fund. FoFs can offer easy access to diversified portfolios but come with higher expense ratios due to the layered fee structure. Ensure the FoF aligns with your overall investment strategy and cost considerations.

Small Cap Funds
Small cap funds invest in smaller companies with high growth potential. These funds can offer substantial returns but also come with higher risk due to market volatility. Given your long-term horizon, small cap funds can be a valuable addition for capital growth, but monitor their performance and risk exposure closely.

Regular vs. Direct Funds
You have chosen regular plans through a mutual fund distributor (MFD) with a Certified Financial Planner (CFP) credential. Regular funds have slightly higher expense ratios due to distributor commissions. However, the guidance and advice from a certified professional can be invaluable in navigating market complexities and making informed decisions. Direct funds, while cheaper, require a deep understanding of market dynamics and continuous monitoring, which might not be feasible for all investors.

Disadvantages of Index Funds
Index funds, which you haven't opted for, have the disadvantage of passively following a market index. They cannot outperform the market as they merely replicate index performance. In contrast, actively managed funds, like the ones in your portfolio, have the potential to outperform through strategic stock selection and market timing by experienced fund managers. Active management can add significant value, especially in volatile or bearish markets.

Portfolio Optimization Suggestions
Consolidate ELSS Investments: Streamline your ELSS investments into one well-performing fund to avoid redundancy and simplify tracking.

Review Sectoral Fund Exposure: Limit exposure to sectoral funds like the infrastructure growth fund to manage risk better. Sectoral funds should not form a large portion of your portfolio.

Focus on Core Holdings: Maintain a balanced mix of flexi cap, contra, and focused equity funds as core holdings for stable and diversified growth.

Limit Precious Metals and Sectoral Exposure: Keep your investments in precious metals and sectoral funds minimal to avoid excessive risk from market volatility.

Evaluate Expense Ratios: Regularly review the expense ratios of your funds, especially the FoFs, to ensure they are cost-effective relative to their performance.

Understanding Market Cycles and Patience
Investing for 10-15 years requires understanding market cycles and having patience. Markets will have ups and downs, and staying invested during downturns is crucial for long-term growth. Avoid the temptation to make frequent changes based on short-term market movements. Instead, focus on your long-term goals and stay committed to your investment strategy.

Regular Review and Rebalancing
Regularly reviewing your portfolio and rebalancing it as needed is vital. As market conditions change, the allocation of your investments may drift from your original plan. Rebalancing ensures that your portfolio remains aligned with your risk tolerance and investment objectives. It also helps lock in gains and manage risks effectively.

Importance of Diversification
Diversification reduces risk by spreading investments across various asset classes and sectors. While you have diversified your investments, ensure that no single fund or sector dominates your portfolio. Proper diversification can enhance returns while mitigating risks, helping you achieve a balanced and resilient portfolio.

Role of a Certified Financial Planner
Working with a Certified Financial Planner (CFP) provides access to professional advice tailored to your financial goals. A CFP can help you make informed decisions, optimize your portfolio, and navigate complex market conditions. Their expertise ensures that your investments are aligned with your risk tolerance and long-term objectives.

Final Insights
Your current portfolio demonstrates a commendable approach towards diversification and long-term growth. However, streamlining your investments and focusing on core holdings can enhance returns and manage risks more effectively. Regular reviews and rebalancing, along with professional guidance from a Certified Financial Planner, will ensure that your investment journey remains on track towards achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

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Career Counsellor - Answered on Feb 19, 2025

Asked by Anonymous - Jan 06, 2025Hindi
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I am 21 year old female, doing my graduation in zoology from a central university. And I am in my 3rd year now. But I am still having doubts on which direction should I go for after graduation. I don't have any interest in higher studies. And I am afraid that if i won't get a government job then i will regret leaving my studies after graduation. I don't have any other skills beside drawing good portraits. I have already tried to sell my portraits but that was also a failure because of bad marketing . I have self esteem issues, bad communication skills. And though i score good marks in exams but these are just bookish knowledge which i just forget after attempting exams. I want to do a job but don't know which direction to go or how to prepare myself. Please give me some advice on how to build my career, develop a better personality.
Ans: A B.Sc. in Zoology can lead to various career opportunities, including wildlife technicians, environmental educators, zookeepers, and animal care technicians. Government positions, such as the Indian Forest Service (IFS), Staff Selection Commission (SSC), and Public Sector Banks, value graduates from diverse fields. To leverage your artistic skills, enhance your online presence and learn basic marketing skills. Improve self-esteem and communication skills by joining workshops or clubs, setting small, achievable goals, and seeking feedback.

Practical steps forward include identifying your interests, researching potential careers, developing necessary skills, networking with professionals, and considering internships or volunteering. Despite the uncertainty, taking proactive steps, seeking support, and being open to exploring various opportunities can lead to a fulfilling career. All the Best for your Prosperous Future.

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Nayagam P

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Career Counsellor - Answered on Feb 19, 2025

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My son scored 83% in JEE first session he is interested in AI & ML , can he get seat in NIT or IIT under ST category and now he preparing for CBSE 12th Board exams and then he attend JEE 2nd session in APRIL 2025, kindly suggest
Ans: Regarding IIT, it is contingent upon his performance in the JEE-Advanced and whether he is assigned a rank. Regarding his JEE-Main 83rd percentile, I recommend verifying the following to see which NITs and branches he may qualify for admission. To determine which National Institutes of Technology (NITs) and branches she might be eligible for, consider the following steps: Identify Preferred Branches: Discuss with your daughter to understand his interests and preferred engineering disciplines. Check JoSAA Opening and Closing Ranks of 2024: The Joint Seat Allocation Authority (JoSAA) provides detailed information on the opening and closing ranks for NITS and branches. To access this information: Visit the official JoSAA website. Navigate to the "eServices" section and select "Opening and Closing Ranks 2024". Input the desired parameters such as counseling round (preferably the last round for comprehensive data), institute type (e.g., NIT), specific institute names, academic programs (branches), and your daughter's category. Review the displayed data to identify institutes and branches that align with his percentile and preferences. For a broader perspective, consider exploring opening and closing ranks from previous years, which can provide insights into trends and help set realistic expectations. While his current score is commendable, it's prudent to have alternative options. Encourage his to appear for additional entrance examinations to keep multiple pathways open. All the Best for your Son's Prosperous Future.

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Nayagam P

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Career Counsellor - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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My son is 12th appearing for his board exams right now. He has scored 96.5 percentile in JEE January attempt. He is planning to give second attempt in April and also JEE advanced. Actually his percentile went low due to Maths in which he scored 70. Physics and Chemistry he scored above 98 He really likes studying Physics. What branch can he opt for in future??
Ans: Congratulations to your son for achieving a 96.5 percentile in his JEE-Main examination. (Based on his score of 96.5, his rank may be approximately between 4200 and 4700 (as you have indicated in single decimal). Here are some highly effective strategies and recommendations for your son: He should concentrate on weak topics and questions answered incorrectly in his mock and practice tests from his coaching center. It is essential to keep revising and practicing those chapters and topics. He should continue to revise Physics and Chemistry as well. He can begin practicing questions from the JEE-Advanced exams of the last 20-30 years. As nearly all the chapters of PCM are addressed in his Coaching Centre, he is able to effectively and strategically manage the preparations for both his Board exams and the JEE-Main-April Session as well as JEE Advanced. To determine which National Institutes of Technology (NITs) and branches she might be eligible for, consider the following steps: Identify Preferred Branches: Discuss with your daughter to understand his interests and preferred engineering disciplines. Check JoSAA Opening and Closing Ranks of 2024: The Joint Seat Allocation Authority (JoSAA) provides detailed information on the opening and closing ranks for NITS and branches. To access this information: Visit the official JoSAA website. Navigate to the "eServices" section and select "Opening and Closing Ranks 2024". Input the desired parameters such as counseling round (preferably the last round for comprehensive data), institute type (e.g., NIT), specific institute names, academic programs (branches), and your daughter's category. Review the displayed data to identify institutes and branches that align with his percentile and preferences. For a broader perspective, consider exploring opening and closing ranks from previous years, which can provide insights into trends and help set realistic expectations. While his current score is commendable, it's prudent to have alternative options. Encourage his to appear for additional entrance examinations to keep multiple pathways open. All the Best for your Son's Prosperous Future.

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Nayagam P

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Career Counsellor - Answered on Feb 19, 2025

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My daughter scored 99.26 percentile in 2025 mains first session. What are the chances for her in top NITs
Ans: Amit Sir, Congratulations to your daughter on achieving a remarkable 99.26 percentile in her JEE Main examination! This accomplishment opens up numerous opportunities for her in esteemed institutions. To determine which National Institutes of Technology (NITs) and branches she might be eligible for, consider the following steps:
Identify Preferred Branches: Discuss with your daughter to understand her interests and preferred engineering disciplines. Check JoSAA Opening and Closing Ranks of 2024: The Joint Seat Allocation Authority (JoSAA) provides detailed information on the opening and closing ranks for various institutes and branches. To access this information: Visit the official JoSAA website. Navigate to the "eServices" section and select "Opening and Closing Ranks 2024". Input the desired parameters such as counseling round (preferably the last round for comprehensive data), institute type (e.g., NIT), specific institute names, academic programs (branches), and your daughter's category. Review the displayed data to identify institutes and branches that align with her percentile and preferences. For a broader perspective, consider exploring opening and closing ranks from previous years, which can provide insights into trends and help set realistic expectations. While her current score is commendable, it's prudent to have alternative options. Encourage her to appear for additional entrance examinations to keep multiple pathways open. All the Best for your Daughter's Prosperous Future.

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NEET, Medical, Pharmacy Careers - Answered on Feb 19, 2025

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How many marks is required in neet to get admission in iisc bangalore
Ans: IISc is a premier institute. When planning to join a prestigious institution, it's important not to focus solely on the eligibility criteria. Generally, the minimum eligibility for admission varies between 50-60%. This means that if you have at least 60% marks in the required subjects, you still may not guarantee admission, as many aspirants intend to pursue their studies at the same institute. Consequently, competition can be intense, and some applicants might not secure a place.

Please note that the admission selection process typically involves an entrance exam conducted either by the institute itself or by a testing agency. According to your query, the basic eligibility to pursue an undergraduate program at IISc is 60%, and candidates are also required to appear for the entrance exam.

For your reference, I have extracted this information from the IISc website. If you need any further details, kindly feel free to POOCHO. LIFE CHANGE KARO!

Eligibility criteria
Applicants must be Indian nationals, OCI/PIO/Foreign Nationals to apply for IAT 2025.

The candidates must have passed the Class XII (or equivalent) examination with science stream from any board recognized by the Council of Boards of School Education (COBSE) in India. Foreign Nationals need to upload an equivalence certificate issued by the Association of Indian Universities unless they have passed the Class XII or equivalent level examination from any board recognized by the Council of Boards of School Education (COBSE) in India. The equivalence certificate must be uploaded while submitting the IAT 2025 Application Form under "Please upload copy of document supporting your claim of Foreign National (You'll need to produce original when necessary)".

Candidates should have been born on or after October 01, 2000. Five years of age relaxation is given to SC, ST, and PwD candidates, i.e, these candidates should have been born on or after October 01, 1995. Note that, there is no restriction based on the completion year of Class XII.

Candidates must have taken at least three subjects among Biology, Chemistry, Mathematics and Physics during their Class XII (or equivalent) examination.

Candidates belonging to SC/ST/PwD are required to score a minimum of 55% marks in aggregate or equivalent grade in their Class XII (or equivalent) examination. Candidates belonging to other categories are required to score a minimum of 60% marks in aggregate or equivalent grade in their Class XII (or equivalent) examination.

NOTE:
Candidates belonging to Kashmiri Pandit/Kashmiri Hindu Families (Non-Migrants) may apply for the IAT 2025 as Kashmiri Migrants subject to the fullfillment of other eligibility criteria. These candidates must upload a valid domicile certificate at the time of application under "Kashmiri Migrant Certificate".

Admission to IISERs
Admission to IISERs is exclusively through the IISER Aptitude Test (IAT), which is a computer-based test scheduled on Sunday, May 25, 2025 at 9:00 AM, at various centres across the country.

Performance Criteria in Class XII (or equivalent examination)
Candidates whose Class XII (or equivalent) examination results have not yet been declared can apply for IAT 2025. However, their admission will be subject to fulfilling the minimum eligibility criteria given above.
For candidates who have appeared in the Class XII (or equivalent) examination multiple times (for whatever reasons), the best of the performances in terms of aggregate in a given year will be considered.
If a board gives aggregate marks considering both Class XI and Class XII, then only Class XII (or equivalent) examination marks will be considered. If a board gives aggregate marks considering the results of all three years of a 3-year diploma or courses of equivalent duration, then only the marks scored in the final year will be considered. Similarly, the marks scored in the final two semesters will be considered for boards that follow a semester system.
If a board awards only letter grades without providing an equivalent percentage of marks on the grade-sheet, the candidate should obtain a certificate from the board specifying the equivalent marks and submit it before the deadline of the mark-sheet submission. In case the board does not provide such a certificate, the percentage marks will be assessed as follows:

percentage marks = (CGPA or CPI obtained × 100) / PS,
where PS is the maximum value of the point scale used by the respective board.
Reservation Policy
Reservation policies as mandated by the Govt. of India will apply
Scheduled Caste (SC) - 15% of seats
Scheduled Tribe (ST) - 7.5% of seats
Other Backward Classes belonging to the Non-Creamy Layer (OBC-NCL) - 27% of seats
Persons with Disability (PwD) with at least 40% impairment - 5% of seats (horizontal, within the same category)
Kashmiri Migrants - 3 seats per IISER (supernumerary)
Economically Weaker Section (EWS) - up to 10% (as per Government of India rules)
Note that the EWS/OBC-NCL certificate should be issued on or after April 01, 2025

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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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A 6 digit code has been sent to Mobile

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