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Samraat

Samraat Jadhav  |2549 Answers  |Ask -

Stock Market Expert - Answered on May 03, 2023

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Bhogeswararao Question by Bhogeswararao on May 03, 2023Hindi
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ORIENTPAPER nearest target plz

Ans: its time to sell now.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
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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Sir no issue of location but there should be a good environment with higher placement of cse
Ans: Here are 15 reputed engineering colleges across India accessible with a JEE Main rank of 219,950 (85 percentile) and 95.4% in boards (92.33% PCM), based on cutoff trends, institutional credibility, and placement outcomes:

1. Amrita Vishwa Vidyapeetham (Coimbatore/Amritapuri)
Programs: Mechanical, Civil, Chemical Engineering

JEE Main Cutoff: ~83–85 percentile (2024)

Highlights: NAAC A++ accreditation, 80–90% placements in core engineering roles, industry-aligned labs, and research centers.

2. Bennett University (Greater Noida)
Programs: CSE, AI/ML, Electronics

Admission: JEE Main (85+ percentile) or SAT

Highlights: Partnerships with IBM, Microsoft, and AWS; 90% placements in tech roles.

3. UPES Dehradun
Programs: Energy Engineering, Infrastructure

JEE Main Cutoff: ~80–85 percentile (non-core branches)

Highlights: Specialized curriculum for energy sectors, 85% placements in ONGC, Schlumberger, etc..

4. Galgotias University (Greater Noida)
Programs: CSE, IT, Robotics

JEE Main Cutoff: 85–90 marks (aligned with 85 percentile)

Highlights: 700+ recruiters, 87% placement rate, emphasis on hackathons and internships.

5. Nirma University (Ahmedabad)
Programs: Mechanical, Civil, Electrical

JEE Main Cutoff: ~1500–6000 rank (state quota)

Highlights: NBA accreditation, 92% placements via TCS, L&T, and Adani.

6. MIT World Peace University (Pune)
Programs: AI/ML, Data Science

Admission: JEE Main or MHTCET

Highlights: Industry 4.0 labs, 85% placements in startups and MNCs.

7. KIIT University (Bhubaneswar)
Programs: IT, Electronics, Civil

JEE Main Cutoff: ~220,000–240,000 rank

Highlights: 95% placement rate, collaborations with Siemens and Deloitte.

8. Manipal Institute of Technology (Manipal)
Programs: Mechatronics, Biotechnology

Admission: MET or JEE Main (management quota)

Highlights: 90% placements, research partnerships with MIT USA.

9. Siksha 'O' Anusandhan (SOA) University (Bhubaneswar)
Programs: CSE, Electrical

JEE Main Cutoff: ~230,000 rank

Highlights: NAAC A++, 88% placements in core engineering sectors.

10. Pandit Deendayal Energy University (Gandhinagar)
Programs: Petroleum, Chemical Engineering

JEE Main Cutoff: ~200,000–250,000 rank

Highlights: Focus on energy sectors, 80% placements in Reliance, Cairn, etc..

11. Shiv Nadar University (NCR)
Programs: CSE, ECE

Admission: SNUSAT or JEE Main

Highlights: Liberal arts-integrated curriculum, 85% placements in Microsoft, Amazon.

12. Jain University (Bangalore)
Programs: Aerospace, IoT

Admission: JEE Main or Uni-Gauge

Highlights: Incubation centers, 82% placements in Airbus, Bosch.

13. Hindustan Institute of Technology (Chennai)
Programs: Automotive, Aerospace

JEE Main Cutoff: Direct admission with 90%+ boards

Highlights: Partnerships with Rolls-Royce, 80% placements in core engineering.

14. Symbiosis Institute of Technology (Pune)
Programs: CSE, Robotics

Admission: SET or JEE Main

Highlights: Interdisciplinary projects, 88% placements in tech roles.

15. GLA University (Mathura)
Programs: CSE, Mechanical

JEE Main Cutoff: ~85 percentile

Highlights: 75% placements in Mahindra, Infosys; focus on applied learning.

Key Recommendations
Prioritize Amrita or KIIT for core engineering branches with strong placements.

Bennett University or MIT WPU for emerging tech specializations (AI/ML).

UPES or PDEU for niche sectors like energy/petroleum.

Leverage board scores (95.4%) for direct admission/fee waivers at Manipal, Jain, or Hindustan Institute.

Confirm management quota options at SRM Chennai or VIT Bhopal if CSE is preferred.

Ensure to verify branch-specific cutoffs during counselling and explore merit scholarships based on academic performance.

..Read more

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Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 06, 2026Hindi
Relationship
I am ready to stand against my parents for the boy I love, but he isn’t willing to stand up to his family. We are both Hindus but our customs, language and rituals are very different from each other. Since the time we started dating, I have tried to give up on my choices for the sake of our happiness. He proposed to me last year after dating for 12 years. I said yes. Now he wants me to convince his parents. He is 29, the eldest son of the family but he feels his parents will not agree for our marriage. His entire family is against us. His mother won't even look at me, forget sit down and talk. I told him we'll have a court marriage and live separate but he wants me to convince his family. If he doesn't take responsibility now, how can I expect him to stand up for me in the future?
Ans: Dear Anonymous,
Are you serious? He happily got into a relationship with you BUT now wants to hide when it's time to talk to his parents.
He's 29 and as a mature adult you must learn to understand that until marriage it's his responsibility to not just talk to his parents but also find a way to make you and his parents meet.
Instead, he chooses to hide or he's scared? Do push him gently into his responsibilities and if you catch him delaying talking to his parents, then understand that he has a personality that avoids conflicts especially with his parents. Do imagine what it can be for you once you are married into that house.
Have an honest chat with him; love is not always roses and candles...straight and honest talk is always better before taking that big step.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Reetika

Reetika Sharma  |524 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Money
sir, I am 28 year old Engineer working in IT field for 6 years. Recently married and my wife is also working in a IT Company. I have started investment in MF since my first salary and at present total the corpus is 15 L and my present SIP amount is 60K. In addition I am having 6L in PPF, 8L in Bank FD, 15L PLI and 5L Health Policy. My parents are well settled. My portfolio is as given below. 1. ICICI Prud. NASDAQ - 3K 2. Parag Parikh Flexi Cap - 10K 3. Quant ELSS - 7K 4. HDFC Retirement Saving - 10K 5. Kotak Mid Cap - 6K 6. SBI Focused Equity - 8K 7. Bandhan Small Cap - 8K 8. Nippon India Multi Asset - 8K My investment time horizon is 20+ years. Please review and suggest changes required if any. With Thanks & Regards, S. Salvankar
Ans: Hi Sarvothama,

You are doing great with your iverall investments at such age. Early investment really helps you in the long run. Let us analyse everything in detail:
1. Make sure to have ample emrgency fund in FD or liquid funds.
2. You should have proper term insurance and health insurance for yourself and family. As your spouse is working, she should also have an independent term insurance.
3. 8 lakhs in FD - can be treated as your emergency fund.
4. 6 lakhs in PPF - not recommended as a=you must have your EPF being an IT Professional. PPF is just like EPF, hence make minimum contributions to keep the account active and close it when 15 years tenure is over.
5. Health policy - 5 lakhs >> insufficient keeping in mind rising medical costs. Increase it to a minimum of 25 lakhs family floater for yourself and spouse.
6. 15 lakhs PLI - continue.
7. 15 lakhs + 60k monthly SIP in mutual funds. Very good and you should continue. However, the funds chosen are not exactly great. Entire allocation needs a proper plan in alignment to your profile and long term goal. It is better to work with a professional to choose better funds for your 20+ years goal.
I will not recommend continuing your SIPs in - Quant ELSS, HDFC Retirement Savings, Nippon multi asset and Focused Equity fund.

Hence overall reallocation and distribution in required here.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |524 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Money
Sir, I am a 44 years old male and have made following investments in Mutual Funds, which are as follows, please let me know if it is good to go: DSP India T.I.G.E.R. (The Infrastructure Growth and Economic Reforms Fund) Direct Growth (Rs. 1,000) Nippon India Small Cap Fund Direct Growth (Rs. 1,500) Axis Silver FoF Direct Growth (Rs. 1,000) LIC MF Gold ETF FoF Direct Growth (Rs. 1,000) Parag Parikh Flexi Cap Fund Direct Growth (Rs. 1,000) Motilal Oswal Midcap Fund Direct Growth (Rs. 500) SBI PSU Direct Plan Growth (lumpsum - Rs. 7,000) Aditya Birla Sun Life PSU Equity Fund Direct Growth (lumpsum - Rs. 6,000) I urge you to review my above portfolio as a whole and thereafter appropriately guide me whether I need to switch any of the above SIPs or stay invested as it is, particularly I am more worried about ‘Nippon India Small Cap Fund Direct Growth’ (keeping in consideration that my SIP becomes more than 1.5 years old with this Fund), it has generated negative returns more often, which now becomes my cause of concern, as a result sometimes I felt that I had invested in a wrong fund. My intent for the above investment is to create sufficient wealth, till the time of my retirement. Now, I seek your valuable guidance over the above, enabling me to reach to a decision. Thanks & regards, Ashish
Ans: Hi Ashish,

You have long 16 years till your retirement and proper guided investment can do wonders with your monthly SIPs.
Your concern regarding Nippon Small Cap fund is genuine but this is exactly how markets work. One cannot expect their money to double in an overnight. It needs patience and proper plan to generate even bare minimum of 12% annual return.

I see all the funds you invest in are direct funds. while direct funds are more preferred as they have lower expense ratio of about 0.5%, regular funds are better as they come with proper plan and guidance throughout.
Generating 2-4% returns in these types of direct funds v/s getting 12% return in regular funds - there is always an option.

However, continue with Nippon small cap, Parag Parikh Flexicap, and Motilal Oswal Midcap fund. Stop SIPs in other funds and work with a proper advisor to redirect these funds into better new funds.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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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