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

Ramalingam

Ramalingam Kalirajan  |9466 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

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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  |8253 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

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I got seat in eee in amrita amritapuri campus and eee in cusat soe which would be best , please suggest me a good college for my academics and research prospective
Ans: Dhananjayan, Amrita Vishwa Vidyapeetham’s Amritapuri campus offers a B.Tech in Electrical and Electronics Engineering with NBA accreditation, PhD-led faculty, advanced power-electronics, instrumentation and embedded-systems labs, and specialized research centres (Flexible Electronics & Advanced Materials, e-Learning, SMART Mobility) fostering interdisciplinary projects. Its 2022–23 batch recorded an 86.67% placement rate over three years with an average package of ?4.91 LPA. CUSAT School of Engineering’s EEE programme, under NAAC A+ accreditation, provides modern power-systems, control and communication labs, active research in Power & Energy Systems and Industrial Power Electronics, and industry internships through its Central Placement Office. The 2024–25 placements achieved an average package of ?5.40 LPA and approximately 80% branch-specific placement consistency for EEE. Both institutions ensure robust curricula, accredited programmes, experienced faculty, well-equipped infrastructure, strong industry tie-ups and dedicated placement support.

For deeper academic research immersion, interdisciplinary lab access and consistent core-sector placements, the recommendation is Amrita Amritapuri EEE. If higher average packages and broader corporate recruiter engagement in IT and power sectors are priorities, the recommendation shifts to CUSAT SOE EEE. All the BEST for Admission & a Prosperous Future!

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I am getting cse core at iter soa at 18-19 lakh tution fees+ donation and hit haldia at 15-16 lakh tution fees+ donation and techno main salt lake at 15-16 lakh as same T+D and iem Kolkata 15-16 lakh Tution fees+ donation all of them I am getting cse core branch please help me which should I choose
Ans: All four institutes hold AICTE approval and maintain robust academic credentials, with ITER–SOA (ABET- and NBA-accredited) delivering a rigorous curriculum under PhD-faculty, 47 specialized computing labs, 104 corporate MoUs, and a 91% placement consistency for CSE graduates. HIT Haldia’s CSE program benefits from NAAC A-accreditation, modern software and networking labs, mandatory industry internships via NIRF-recognized partnerships and a 91% median placement rate with 208 CSE students placed in 2023. Techno Main Salt Lake offers NBA-aligned CSE courses in AI/ML and cloud computing labs, active industry collaborations and achieved a 90.07% CSE placement rate in 2023. IEM Kolkata’s CSE core branch, approved by NBA and NAAC A, features AI/ML and cybersecurity labs, extensive training and recorded around 90% placement consistency with a median package of ?6 LPA in 2024. Each institute provides dedicated placement cells, structured internships, continuous industry engagement, and modern infrastructure to support comprehensive technical education and employability.

For top-tier global accreditation, metropolitan recruiter engagement, and a proven 91% CSE placement record, the recommendation is ITER–SOA CSE. If rural fees justify strong core-IT placements, choose HIT Haldia CSE. For balanced lab exposure with slightly lower yet solid placements, opt for Techno Main Salt Lake CSE. For cost-effective training with consistent median packages, select IEM Kolkata CSE. 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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