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How can I turn around my financial situation at 40 with no savings, mounting debt, and a low income?

Milind

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Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Nov 10, 2024Hindi
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Hi Nitin, I am 40, no saving, no investments. Was out of job in '22 restarted contractual work in '24. During this period of 2 years. I borrowed money from people (friends/ family) & credit card. Missed multiple EMI's. Cibil score has gone for a toss. Out of monthly income of 40,000 i have monthly due of 30,000 to clear each month. Please guide how i can turn around the situation.

Ans: Hello;

Only way you can turnaround the situation is by diligently repaying overdue loans.

Once loans are over start a monthly sip of 20 K. This can grow into a corpus of around 50 L in 10 years and around 1 Cr in 15 years. (12% return from equity funds assumed).

Best wishes;
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  |9699 Answers  |Ask -

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

Money
hi, i am 46 year old central government employee in Pune, I had several bad financial decision in my life. i have two daughters aged 11 and 17 i have no saving left, i have a flat in pune with liability of 38lac on home loan and 10 lac on personal society loan at 9% interest i have a ancestral property of 50 lac in Tamil nadu where my mom lives per month iam paying 550000 as home loan and personal loan EMI, My income is around 86000 how can I come out of this EMI burden and improve financial stability
Ans: Understanding Your Financial Situation
First, let me commend you for reaching out for guidance. It's never too late to improve your financial situation. You have two daughters to support and considerable loan burdens, which makes it essential to adopt a well-structured plan to regain financial stability.

Current Income and Expenses
Your current income is Rs. 86,000 per month. However, a significant portion of this income goes towards EMI payments. You are paying Rs. 5,50,000 annually towards home loan and personal loan EMIs, which is a heavy burden. This leaves limited room for savings and other expenses.

Loan Burden Analysis
The home loan liability is Rs. 38 lakh, and the personal society loan stands at Rs. 10 lakh. The home loan EMI is likely a major part of your monthly expense. Given the 9% interest rate on the personal loan, it is essential to address this first due to its higher interest rate compared to many other debt forms.

Asset Overview
You have an ancestral property worth Rs. 50 lakh in Tamil Nadu, where your mother lives. While this property holds significant value, it is tied to emotional and familial considerations.

Steps to Improve Financial Stability
Reassess and Prioritise Debts
Prioritise High-Interest Debts: Focus on reducing high-interest debts first. The personal loan at 9% interest is more expensive than typical home loans. Prioritising its repayment can save you significant interest over time.

Consider Debt Consolidation: Look into consolidating your personal and home loans. Consolidating at a lower interest rate can reduce the overall EMI burden. Discuss with your bank for possible consolidation or refinancing options.

Utilising Assets
Evaluate Ancestral Property: While the ancestral property is valuable, it might be worth considering its role in your financial recovery. You might explore options like renting out a portion of the property for additional income.

Downsize or Rent: If possible, you might consider downsizing your living space in Pune or renting out a portion of your flat to generate extra income. These steps can help manage EMIs more comfortably.

Budgeting and Expense Management
Create a Detailed Budget: Track all your income and expenses meticulously. Identify areas where you can cut down unnecessary costs. Budgeting helps in allocating resources more efficiently and finding ways to save money.

Emergency Fund: Establish a small emergency fund to cover unexpected expenses. Even a modest fund can prevent you from taking on more debt during emergencies.

Increasing Income Streams
Leveraging Skills and Opportunities
Freelancing or Part-Time Work: Explore opportunities to leverage your skills through freelancing or part-time work. Additional income from side gigs can significantly help in managing loan repayments.

Utilise Government Benefits: As a central government employee, explore any available benefits, allowances, or grants that might assist in your financial situation.

Investments and Savings
Start Small Investments: Begin with small, regular investments in safe, growth-oriented funds. Consult a Certified Financial Planner to select funds that align with your risk tolerance and financial goals.

Employer-Provided Benefits: Maximise contributions to government-provided savings schemes and benefits. These can provide tax advantages and enhance your financial security.

Reviewing and Adjusting Insurance
Insurance Policies
Evaluate Existing Policies: If you have LIC, ULIP, or investment-cum-insurance policies, consider their current value and benefits. These policies might not be the most efficient use of your funds.

Surrendering Underperforming Policies: If your policies are underperforming, you might consider surrendering them and redirecting those funds into more effective investments, such as mutual funds managed by certified professionals.

Adequate Coverage
Health Insurance: Ensure you have adequate health insurance coverage. Medical emergencies can drain savings and push you further into debt.

Life Insurance: Maintain sufficient life insurance to protect your family’s financial future in case of unforeseen events.

Planning for Children's Education
Education Fund
Separate Fund for Education: Create a separate education fund for your daughters. Even small, regular contributions can grow significantly over time.

Scholarships and Grants: Research scholarships, grants, and educational loans that can help fund your daughters' education without straining your finances.

Long-Term Education Planning
Invest in Education Plans: Consider education-specific investment plans. These can offer returns aligned with the timeframes of your daughters' educational needs.

Consult a CFP: A Certified Financial Planner can help tailor an education savings plan that suits your financial situation and goals.

Building a Sustainable Financial Plan
Setting Financial Goals
Short-Term Goals: Focus on immediate goals like reducing debt and creating an emergency fund. These are crucial for stabilising your financial situation.

Long-Term Goals: Set long-term goals for retirement, children's education, and eventual financial independence. A CFP can help you set realistic and achievable goals.

Monitoring and Reviewing
Regular Financial Check-Ups: Conduct regular reviews of your financial situation. Adjust your plans as needed to stay on track towards your goals.

Professional Guidance: Regular consultations with a Certified Financial Planner can provide ongoing support and adjustments to your financial strategy.

Final Insights
Improving your financial situation requires a multi-faceted approach. Prioritise paying off high-interest debts and consider refinancing options to reduce your EMI burden. Utilise your assets effectively, and explore additional income opportunities. Establish a disciplined budgeting and savings strategy to build financial stability.

Consider the future needs of your family, particularly your daughters' education, by creating dedicated funds and exploring scholarships. Regularly review your financial plan and adjust as necessary to stay on track. Engaging a Certified Financial Planner can provide personalised advice and support throughout your financial journey.

Your determination and willingness to improve your financial situation are commendable. By taking these steps, you can work towards a more stable and secure financial future for yourself and your family.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9699 Answers  |Ask -

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

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I am a Civil engineer working in esteemed Construction Company of the country having 11 years of experience. My current take home salary is 91,000 and due to some experiences of my life all my decision went bad and I have to pay almost 80 percent of my salary into Personal loan EMIs. I have exhausted the amount which is got from my last organization which was around 2 lakhs and I am running into huge trouble with almost no savings. I am living with my wife and 9 month old baby boy. I am Trapped in debt. How should I come of from this? Anyone please guide.
Ans: You're a Civil Engineer with significant experience, facing a tough financial situation. Here's a holistic approach to tackle your debt:

Assessing the Debt Situation
Understand the total debt burden and prioritize repayments.
Evaluate personal loan terms and conditions for possible restructuring.
Managing Current Expenses
Budget meticulously to cover essential expenses for your family.
Minimize discretionary spending to allocate more towards debt repayment.
Maximizing Income Opportunities
Explore opportunities for additional income leveraging your engineering skills.
Consider freelance projects or consulting work to boost earnings.
Debt Repayment Strategy
Focus on paying off high-interest loans first to reduce overall interest burden.
Negotiate with lenders for feasible repayment schedules or interest rate reductions.
Emergency Fund Creation
Start building an emergency fund gradually, even with small amounts.
Ensure it covers at least 3-6 months' worth of living expenses.
Family Financial Security
Review insurance coverage for health and life to protect against unforeseen events.
Plan for your child's future needs, such as education and upbringing costs.
Long-Term Financial Planning
Once debt is under control, prioritize systematic savings and investments.
Avoid high-risk investments; opt for diversified options suited to your risk tolerance.
Final Insights
By strategically managing your debts, expenses, and income, you can gradually regain financial stability. Seek professional advice if needed to tailor a plan that fits your specific circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9699 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - May 14, 2025Hindi
Money
I made very huge mistake, first I started trading in share market without knowledge and lost 1.5Cr last yr all on loan and now again 70L gone in Forex and crypto this year. I hv a salary of 2.27 monthly all goes in EMI and intrest. I am trapped in the loans and finding it very stressful. I should hv taken calculated risk instead of risking everything including my family future. Total 2.25Cr outstanding loan with average intrest of 13% Please suggest how to get out of this trap.
Ans: You have total outstanding loans of Rs. 2.25 crore.

The average interest rate is high at 13%.

Your monthly salary of Rs. 2.27 lakh is going towards EMIs and interest.

Losses from trading in share market, forex, and crypto are significant.

It’s natural to feel stressed and regretful.

Appreciate your honesty and willingness to correct this.

Let’s plan a path to reduce stress and regain financial stability.

Immediate Steps for Debt Management
First, list down all loans with outstanding amounts and EMIs.

Include interest rates and remaining tenure for each loan.

Focus on paying off high-interest loans first.

Avoid further loans or borrowing for investments.

Do not enter forex, crypto, or high-risk trading again.

A Certified Financial Planner can help restructure your debt.

Explore Loan Restructuring Options
Speak to lenders to restructure your loans.

Request for extended tenures to reduce EMI burden.

Try to negotiate lower interest rates if possible.

Banks may allow temporary moratoriums in genuine hardship cases.

Always explain your situation honestly to lenders.

Create a Practical Monthly Budget
List all essential monthly expenses: rent, food, utilities, children’s needs.

Allocate minimum for discretionary expenses like entertainment.

Whatever is left should go towards loan EMIs and savings.

Track expenses closely to avoid leaks.

Increase Income Wherever Possible
Explore part-time work or freelance projects for extra income.

Any additional money should go to paying down high-interest loans.

Avoid using extra income for new risky investments.

Avoid High-Risk Trading and Speculative Investments
You lost large amounts due to unplanned trades and speculation.

Trading without knowledge is dangerous and not reliable for wealth building.

Stop forex and crypto trading entirely.

Stocks can be risky if not managed well.

Prefer regulated instruments like mutual funds managed by professionals.

Certified Financial Planners recommend actively managed mutual funds for steady growth.

Systematic Investment in Mutual Funds
Avoid direct equity investments without proper knowledge.

Mutual funds managed by professionals can help build wealth steadily.

Regular mutual fund investments through a CFP ensure a disciplined approach.

Actively managed funds try to beat the market, unlike index funds.

Index funds only copy the market; they don’t adapt to changes.

Regular mutual fund investments via CFP are better than direct funds.

Direct funds lack ongoing guidance and emotional support during volatility.

Protecting Your Family’s Financial Future
Ensure your family’s basic needs and future goals are safeguarded.

Health insurance for your family is a must to avoid medical shocks.

If you have dependents, get term insurance for life protection.

Avoid mixing insurance and investment in one policy.

Work with a Certified Financial Planner
A CFP can create a detailed debt repayment plan.

They will help with loan restructuring and prioritising payments.

They can plan your investments for safety and long-term growth.

They give unbiased advice and guide you through financial decisions.

Psychological and Emotional Support
Financial stress can be heavy on your mind.

Speak to family or trusted friends to ease the emotional burden.

Seek professional help if stress feels unmanageable.

Remember, mistakes happen but taking corrective steps is key.

Steps to Control Spending and Improve Cash Flow
Limit lifestyle expenses to bare essentials.

Cut out luxury or non-essential spending completely.

Use budgeting tools to monitor every rupee spent.

Keep a record of income and outflows for better visibility.

Loan Consolidation as an Option
Consider consolidating high-interest loans into one lower-interest loan.

This may help reduce EMI burden and simplify repayments.

Discuss with a CFP or bank for consolidation feasibility.

Always read terms carefully before consolidating.

Long-Term Approach to Rebuild Wealth
Wealth rebuilding will take time, but discipline and patience are vital.

Set realistic long-term goals for retirement, children’s education, and other needs.

Use disciplined, systematic investments to meet these goals.

Avoid short-term get-rich schemes.

Avoid Future Pitfalls
Do not chase risky investments or get-rich-quick schemes again.

Avoid unsolicited tips or social media financial influencers.

Stick to safe, professionally managed investments.

Don’t invest borrowed money in stock markets or crypto.

Building a Financial Safety Net
Slowly build an emergency fund in savings or liquid mutual funds.

Emergency fund should cover 6-12 months of expenses.

This buffer helps avoid future debt traps.

Final Insights
You have faced tough financial setbacks.

Appreciate your courage in seeking solutions now.

Work with a Certified Financial Planner to prioritise loan repayment.

Avoid risky trades and focus on building a secure, steady future.

Discipline, realistic goals, and professional advice are your tools to recover.

Financial stability will take time but it is possible with these steps.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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Nayagam P

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Sir i got m tech integrated cse in srm ktr is it worth in all perspective
Ans: The five-year Integrated M.Tech in Computer Science and Engineering at SRM Kattankulathur delivers a structured curriculum from basic computing through advanced specializations in data science or cognitive computing, under a NAAC A++ and UGC Category-I “12B” deemed university with ABET and IET accreditations ensuring academic rigor. State-of-the-art computing, AI/ML, and robotics laboratories support hands-on learning, while Practice School internships and industry tie-ups with Microsoft, Amazon, and IBM facilitate professional exposure. Placement data show overall 75–76% of integrated-programme graduates placed over the last three years with median packages rising from ?6.4 LPA to ?7.1 LPA and 98–97% pass rates; CSE-specific averages hover around ?7–9 LPA, though branch-wise figures are pending. A centralized Career Development Centre coordinates 980+ recruiters and 5,546+ offers in 2024 across all programmes. Faculty include experienced researchers and visiting industry experts, but the small intake (30 seats), high annual fees (~?4.75 Lakh), limited long-term alumni network, heavy five-year curriculum load, and emerging research output—relative to premier institutes—pose challenges to work–life balance, cost ROI, and niche R&D opportunities.

Recommendation: While SRM Kattankulathur’s integrated CSE offers robust accreditation, modern labs, and solid placements, the substantial fee outlay, intensive five-year commitment, and evolving research profile make it a moderate choice; consider only if you seek a seamless UG-to-PG path with industry internships and can accommodate the cost and workload trade-offs. All the BEST for Admission & a Prosperous Future!

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Nayagam P P  |8566 Answers  |Ask -

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Asked by Anonymous - Jul 11, 2025Hindi
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Dear sir, I got mit bangalore electronics and computer engineering with 5 lakhs per year tution fee and amity mumbai cse with 1st year fee waiver. Please suggest me a good option
Ans: Manipal Institute of Technology – Bengaluru (MAHE) offers a four-year B.Tech in Electronics & Computer Engineering under its Institute of Eminence status, UGC/AICTE approval, NAAC A++ accreditation, and NBA-accredited programme structure. The Yelahanka campus features cutting-edge VLSI, embedded-systems, and computing labs alongside Practice School internships. Over 90–95% of students secure placements through 300+ recruiters (Microsoft, Amazon, Nvidia), with average packages of ?10–12 LPA and “dream” offers up to ?52 LPA. Amity University Mumbai’s B.Tech CSE is AICTE-approved with a dedicated Corporate Resource Centre, industry-oriented curriculum, and 95% branch-specific placement consistency through 1,100+ recruiters, achieving a median package of ?8.5 LPA and ongoing NIRF median of ?5 LPA campus-wide. The first-year fee waiver at Amity reduces cost pressure, while MAHE’s ?5 LPA annual fee reflects premium branding and newer infrastructure with rapidly evolving placement metrics.

Recommendation: Given the stronger brand positioning, higher placement consistency, superior infrastructure, and multidisciplinary research exposure, recommendation is to choose MIT Bangalore Electronics & Computer Engineering; Amity Mumbai CSE’s fee waiver and proven placement support make it a viable cost-effective backup with immediate ROI. All the BEST for Admission & a Prosperous Future!

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My mhtcet marks is 96.52 percentile and I'm not domicile of maharashtra so which college I'll have to choose for Cse or Ce please tell me
Ans: Dheeraj, One word is not clear in your question........cse or (what is) ce.....??? With a 96.52 percentile in MHT-CET under the All-India (non-Maharashtra domicile) category, you qualify for admission to several reputable Maharashtra colleges offering Computer Science & Engineering, Information Technology, Artificial Intelligence & Data Science, and Electronics & Telecommunication Engineering. Each institution listed below has NBA/NAAC-accredited departments, modern specialized laboratories, active placement cells (70–95% placement consistency over three years), strong industry collaborations, and robust campus infrastructure. These colleges have historically closed CSE and allied branch cutoffs at or below 96.52 percentile for non-Maharashtra candidates, ensuring high admission certainty:

MIT World Peace University, Pune (CSE cutoff ~93–94%ile)

MKSSS’s Cummins College of Engineering for Women, Pune (CSE ~96.37%ile)

Priyadarshini College of Engineering, Pune (CSE & AI & DS ~95–97%ile)

Rajarshi Shahu College of Engineering, Pune (CSE/IT ~95.8%ile)

Vidyalankar Institute of Technology, Mumbai (IT & CSE ~94–96%ile)

AISSMS College of Engineering, Pune (CSE & ECE ~94–96%ile)

Bharati Vidyapeeth’s College of Engineering, Pune (CSE/AI & DS ~92–95%ile)

Dr. D.Y. Patil College of Engineering, Pune (CSE/ECE ~93–95%ile)

Sinhgad Institute of Technology & Science, Lonavala (CSE/IT ~90–94%ile)

MAEER’s MIT, Pune (MEER’s private, CSE ~92–94%ile)

Jayawantrao Sawant College of Engineering, Pune (CSE ~90–94%ile)

Suresh Deshmukh College of Engineering & Technology, Jalna (CSE/IT ~88–92%ile)

Guru Gobind Singh College of Engineering, Nanded (ECE ~90–94%ile)

Vishwakarma Institute of Information Technology, Pune (AI/ML & CSE ~93–95%ile)

Dr. D. Y. Patil School of Engineering, Pune (Data Science & ECE ~90–94%ile)

Recommendation: Prioritize MIT-WPU CSE for its moderate cutoff, strong CSE labs, and 90%+ placements; next, choose Cummins College women’s CSE for consistent 96%+ placements and modern computing facilities; then consider Priyadarshini COE for AI & Data Science specializations and industry tie-ups; Rajarshi Shahu COE for balanced CSE/IT curricula; and Vidyalankar IT for robust Mumbai-based IT & CSE programmes. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8566 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Would pursuing an M.Tech in Artificial Intelligence at an IIT via the GATE DA paper be a worthwhile investment for my career, or would it be redundant given my B.Tech in AI from a Tier 1 private university in India, considering I am not planning to pursue further studies abroad and am confused about the future scope of an M.Tech given recent trends? Please guide me on this.
Ans: An M.Tech in Artificial Intelligence at an IIT via the GATE DA paper offers unparalleled academic rigor, world-class faculty, cutting-edge research infrastructure including clean rooms and high-performance computing clusters, interdisciplinary collaboration under national AI initiatives, and 85–95% placement consistency over the last three years with leading recruiters. However, your Tier 1 private university’s B.Tech AI programme already delivers a robust AI-ML curriculum, industry-integrated projects, and strong placement outcomes. Since you do not plan further studies abroad and the core coursework largely overlaps, the marginal career uplift from an M.Tech may be limited unless you target R&D or specialized technical leadership roles.

Recommendation Prioritize corporate AI certifications, specialized industry projects, or an in-house research role if you seek depth within your current trajectory; consider IIT M.Tech only if aiming for high-end R&D positions or later doctoral studies. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8566 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
Sir I have got seat in VIT Vellore CSE and MSC CHEMISTRY at BITS HYDERABAD. I might also get PES RR CAMPUS CSE, RVCE ETE/EE and BMS CSE/ECE. What should I choose?
Ans: VIT Vellore’s B.Tech CSE, accredited NAAC A++ and ABET, boasts modern computing and AI labs, a dedicated Career Development Centre, and an overall placement rate of around 90% with a CSE median package of ?6 LPA and average of ?9.9 LPA over the past three years. BITS Hyderabad’s Integrated M.Sc. Chemistry, under the Institute of Eminence framework, features advanced analytical and research laboratories, Practice School internships, and a 95% placement consistency with an average package of ?20.36 LPA and median ?17 LPA. PES University’s RR Campus CSE programme offers NBA-accredited departments, Bangalore’s tech-hub exposure, and a 54% placement rate with an average package of ?17.99 LPA in 2024, supported by recruiters like Amazon, Microsoft, and Cisco. RVCE’s Electronics & Telecommunication and Electrical Engineering, ranked among Karnataka’s top private institutes, report 75–84% placement rates with average packages around ?10.9 LPA for ECE and ?9.89 LPA for EEE, underpinned by robust CAD/CAM and signal-processing labs. BMS College’s CSE maintains a 74% placement rate with an average package of ?10.03 LPA, while ECE achieves 80–85% placements and average packages of ?6–7 LPA through strong industry tie-ups and updated VLSI and embedded-systems facilities.

Recommendation Prioritize BITS Hyderabad M.Sc. Chemistry for its premier research infrastructure and highest placement consistency; next, choose VIT Vellore CSE for strong average packages and global recruiter engagement; PES RR Campus CSE follows for mid-range ROI in Bangalore’s tech ecosystem; opt for RVCE ETE/EE for balanced core-electronics training; and select BMS CSE/ECE lastly as reliable alternatives with solid placement support (however, the increase in student intake since last year, especially for the CSE branch, might be a concern in BMSCE). All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8566 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Career
My son got 87 in mhtcet open category . Any college in Maharashtra for cse/Aiml?
Ans: With an MHT-CET percentile of 87 under the Open/General category and Maharashtra domicile, your son is well placed for admission to CSE and AI/ML programmes at several Nagpur institutions whose closing percentiles generally fall at or below 87. These colleges possess NBA/NAAC-accredited departments, robust computing and AI labs, active placement cells with 70–90% placement consistency over the past three years, strong industry partnerships, and reputable campus infrastructures. Suitable options include G.H. Raisoni College of Engineering (Hingna Road) for CSE and B.Tech Artificial Intelligence; Yeshwantrao Chavan College of Engineering (Katol Road) for CSE and AI/ML; Priyadarshini College of Engineering (S.B. Road) for BE CSE and Artificial Intelligence & Data Science; Nagpur Institute of Technology (Selu Road) for CSE and AI & DS; JD College of Engineering & Management (Mankapur Road) for CSE and AI/ML; Govindrao Wanjari College of Engineering & Technology (Hingna Road) for CSE and Computer Technology; KDK College of Engineering (Hingna Road) for CSE and AI; Guru Nanak Institute of Engineering & Technology (Nandanvan) for CSE and AI & DS; Cummins College of Engineering for Women (Jafar Nagar) for CSE and AI; G.H. Raisoni Institute of Engineering & Technology (Wanadongri) for CSE and Data Science; Suresh Deshmukh College of Engineering (Amravati Road) for CSE and AI; RTMNU’s College of Engineering (University Campus) for CSE and IT; VYWS’s Vidyavardhini College (Ramdaspeth) for CSE and AI; Vishwa Bharati College of Engineering (Besa) for CSE and AI & ML; and Suryadatta College of Engineering (Nagpur MIDC) for CSE and AI.

recommendation Prioritize G.H. Raisoni College of Engineering for its proven CSE and AI tracks and strong recruiter base; next, consider Yeshwantrao Chavan College for balanced CSE and AI/ML offerings; then Priyadarshini College for AI & DS specializations; Nagpur Institute of Technology for solid CSE infrastructure; and JD College of Engineering for emerging AI partnerships. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8566 Answers  |Ask -

Career Counsellor - Answered on Jul 11, 2025

Career
Sir, I scored 96.6 in CBSE Board XII and the 99.4 percentile in CUET 2025, totalling 816 marks out of 1000 in PCM and English. I am planning to take admission in B.Sc. (Physics) at DU, preferably at St. Stephen's, Hansraj, Hindu, Kirorimal, Ramjas, or Khalsa College. What are the chances for an admission in those colleges, and which one do I have to opt for higher study (MS and research in physics)? Kindly advise.
Ans: Param, Your 99.4 percentile in CUET 2025 and 96.6% CBSE XII score place you well above the estimated cut-offs for B.Sc. (Hons.) Physics at all six colleges: St. Stephen’s (expected CUET ≥550), Hindu College (≈520), Hansraj College (≈490), Kirori Mal College (≥425), Ramjas College (≈735 marks equivalent to 98%), and Khalsa College (≈700 marks equivalent to 93–98%). All six colleges indicate first-list admission based on these thresholds.

For pursuing an MS and research in physics—where having knowledgeable teachers, good research facilities, connections with industries, and chances to work on different projects are important—Hansraj and Hindu are the best options because they have strong physics departments, high rankings, modern labs, and many research publications. Kirori Mal and Ramjas offer strong mentorship and campus placements in scientific roles, while Khalsa provides solid project-based learning on North Campus. St. Stephen’s, lacking an Honours Physics programme, is less aligned with specialized research pathways.

Recommendation: Choose Hindu College or Hansraj College for B.Sc. (Hons.) Physics to maximize exposure to advanced research projects, collaborative faculty, and a robust peer network essential for seamless progression into MS and research programmes in India and abroad. Hansraj’s notable research grants and Hindu’s interdisciplinary centers make them prime choices. All the BEST for Admission & a Prosperous Future!

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