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How Can I Earn 200,000 Per Month? Asking for Naven

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 06, 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
Vijaya Question by Vijaya on Nov 06, 2024Hindi
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Hi i am naveen i have to earn 200000 per month please help me please

Ans: To achieve a monthly income of Rs. 2,00,000, focus on creating a balanced, diversified portfolio with steady and growth-oriented investments.

Start by investing in Fixed Deposits and Debt Funds for stable returns. Add dividend-paying mutual funds for regular income, which could yield 5-7% annually. If you have property or funds to invest in real estate rentals, these can provide reliable cash flow.

For long-term growth, invest in equity mutual funds through SIPs, targeting 10-12% returns. Over time, you could set up a Systematic Withdrawal Plan (SWP) from these funds, generating monthly income.

As your portfolio grows, review it regularly with a Certified Financial Planner (CFP) to adjust according to your income needs. This approach, blending stability with growth, can help you consistently reach your Rs. 2,00,000 monthly goal.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

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I need money for 2 months 35000
Ans: If you need Rs 35,000 for a short-term period of 2 months, here are a few options to consider:

1. Emergency Fund
If you have an emergency fund set aside, this would be the ideal use for it. It’s designed for unexpected expenses like this, ensuring you don’t disrupt your long-term investments.

2. Personal Loan
Consider a personal loan from a bank or a reputable financial institution. Personal loans typically offer quick disbursal and can be repaid over a short period, such as 2 months. Compare interest rates and terms to find the best option.

3. Credit Card
If you have a credit card with sufficient limit, you could use it for the amount needed. However, ensure you can repay the balance in full within the interest-free period to avoid high interest charges.

4. Withdrawal from Investments
If you have investments in liquid assets like certain mutual funds or fixed deposits, you might consider withdrawing the required amount. Be mindful of any withdrawal penalties or tax implications.

5. Borrowing from Friends or Family
If feasible and comfortable, borrowing from friends or family might be an option. Ensure you have a clear agreement on repayment terms to avoid misunderstandings.

6. Salary Advance
If you're employed, you might inquire about a salary advance from your employer. This allows you to access a portion of your salary in advance, which can be repaid through deductions from future paychecks.

Final Considerations
Evaluate these options based on your personal financial situation and choose the one that aligns best with your needs and ability to repay within the specified timeframe.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Hello sirji I got place at NIELIT Ajmer and Thapar both CSE and in NIELIT cyber security and I am from Haryana so wht should I choose?
Ans: As a student from the State of Haryana you are offered seats at NIELIT Ajmer for CSE and Cyber Security alongside CSE at Thapar University, a comprehensive evaluation reveals distinct academic and career pathways. NIELIT Ajmer’s B.Tech in Computer Science and Engineering covers Internet of Things, Cyber Security, and Blockchain Technology with a 60-seat capacity, admission via JEE Main closing around 47,166 for general category, and government-funded programs under MeitY ensuring affordable fees and specialized labs. Thapar University’s CSE achieved an 83% placement rate in 2023 with 334 recruiting companies, robust T&P infrastructure, and major recruiters like Google, Amazon, Microsoft, Deloitte, and IBM. Thapar’s average package of ?11.90 LPA underscores consistent industry engagement and comprehensive training. NIELIT Ajmer Cyber Security offers targeted government-backed certification courses, dedicated placement cells, and proximity to Haryana (~322 km), while NIELIT Ajmer CSE remains nascent with limited placement history. Both institutions feature modern laboratories, libraries, and safe residential facilities supporting holistic student development.

Recommendation: Choose Thapar University CSE for its better job placement record, strong ties with companies, and good academic standing; look at NIELIT Ajmer Cyber Security for affordable, government-supported training in new security technologies; steer clear of NIELIT Ajmer CSE because it has little job placement information and is still growing. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

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Hello sir, I need your help in selecting college. The options i have are;- cse in sastra university tanjaore, and industrial and production engineering in nit jalandhar. Which would be better to choose for placements and industry?
Ans: Reshwanth, SASTRA University’s B.Tech Computer Science and Engineering curriculum emphasizes core programming, data structures, algorithms, operating systems and electives in AI, IoT and cybersecurity, backed by experienced faculty and smart classrooms with high-speed Wi-Fi and modern computer labs. Active MoUs with Tata Electronics, AstraZeneca and Bajaj BEST Center foster internships and industry-academia research collaborations. According to NIRF 2025, 83% of UG 4-year graduates secured placements with a median package of ?7.60 LPA and top recruiters including TCS, Amazon and Microsoft. NIT Jalandhar’s Industrial and Production Engineering offers a curriculum covering manufacturing systems, operations research, quality control and supply-chain management, delivered by a strong permanent faculty, modern workshops and CNC labs. The institute ranked 58th in NIRF engineering 2024, houses a dedicated T&P Cell and records a 77.6% placement rate with an average package of ?8.59 LPA for IPE, attracting recruiters like Amazon, Tata Steel and various PSUs. Both campuses provide robust student support, campus safety and entrepreneurship cells, but differ in specialization focus and placement consistency.

Recommendation: Considering slightly higher placement consistency and focused CSE industry tie-ups, opt for SASTRA University CSE for strong IT placements and research exposure; for core manufacturing roles with marginally higher average packages, choose NIT Jalandhar IPE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Career
Hello Sir My son has got CSE at III T Hyderabad and AI Hello Sir My son has got CSE at III T Hyderabad and AI at NIT Surathkal. Kindly guide what to prefer . at NIT Surathkal. Kindly guide what should he prefer .
Ans: IIIT Hyderabad’s B.Tech in Computer Science and Engineering features a hands-on curriculum with foundational courses in programming, data structures, algorithms, networks, operating systems, and flexible elective tracks in AI, systems, and theory, ensuring depth and breadth in emerging areas. Its placement rates have exceeded 99% for CSE over the past three years, with an average package of ?31.98 LPA in 2025 and top recruiters including Google, Microsoft, and Amazon. The 66-acre residential campus offers state-of-the-art air-conditioned labs (1:2 PC-student ratio), 24×7 security, smart classrooms, research centres, and robust industry collaborations. NIT Surathkal’s B.Tech in Artificial Intelligence emphasizes specializations in data science, human-centred computing, cyber-physical systems, and robotics under NEP-aligned curriculum. Its AI branch achieved a 93% placement rate with an average package of ?18.26 LPA in 2023, supported by major recruiters like Google and MRPL, and leverages a fully Wi-Fi campus with modern labs, a digital library of 130,000 volumes, and extensive conference and sports facilities across 296 acres.

Recommendation:
IIIT Hyderabad CSE offers superior placement consistency, higher average packages, cutting-edge research infrastructure, and stronger industry linkages, making it the preferable choice for a purely technical trajectory, whereas NIT Surathkal AI provides focused AI specialization with solid facilities but relatively lower placement outcomes. My Suggestion: Prever IIIT-H over NIT-S. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8925 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

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My son got Cse data science in VIT Chennai and Cse in Jaypee and Cse with minor Aiml in national institute of electronics and information technology Gorakhpur after sixth round, please suggest suggest.
Ans: Anup Sir, Based on the inputs, your son can decide the most suitable option out of 3 options: VIT Chennai’s B.Tech in CSE with Data Science specialization delivers a rigorous curriculum encompassing core programming, predictive analytics, machine learning and big data frameworks, supported by smart classrooms, high-speed Wi-Fi, modern computer labs and dedicated data-science research centers. Placements for the CSE school average 85–90% with leading recruiters such as TCS, Infosys, Cognizant and Deloitte, and internship-to-job conversions bolstered by industry tie-ups. Jaypee Institute of Information Technology Noida’s CSE program follows an NEP-aligned structure with strong emphasis on problem solving, AI/ML electives and hands-on capstone projects, underpinned by a dedicated placement cell that achieved 107% job-offer rate overall and 112% for CSE participants, with a median package of ?6.50 LPA and top recruiters including Microsoft, Cisco and Amazon. NIELIT Gorakhpur’s CSE curriculum integrates electronics and IT fundamentals with a minor in AI/ML training modules delivered through certified courses; its Model Career Centre has mobilized over 900 candidates into placement drives and offers career counselling, skill-development workshops and government-industry linkages, though its published placement rate stands near 46% with median salaries of ?5 LPA. All three institutions provide robust faculty expertise, accreditation, campus safety and active industry collaboration.

VIT Chennai’s established CSE-Data Science program leads with superior infrastructure, placement reach and focused research. Jaypee Noida CSE ranks second for its high placement offers and balanced tech curriculum. NIELIT Gorakhpur follows, offering government-backed AI/ML training and solid career counselling despite lower placement conversion. All the BEST for Admission & a Prosperous Future!

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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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