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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 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
Asked by Anonymous - Feb 22, 2024Hindi
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Hi. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.

Ans: let's focus on other mutual fund sectors excluding index funds and sectoral funds:

Large Cap Funds: These funds invest in established, large-cap companies known for their stability and consistent performance. They offer a blend of growth potential and stability, making them suitable for investors with a moderate risk appetite and a long-term investment horizon.
Multi-Cap Funds: Multi-cap funds provide flexibility by investing across companies of various market capitalizations, including large, mid, and small-cap. This diversification allows investors to capitalize on opportunities across different segments of the market, potentially maximizing returns over the long term.
Mid Cap Funds: Mid-cap funds focus on companies with medium market capitalization, offering higher growth potential compared to large caps. While they come with higher volatility, mid-cap funds can generate significant returns over the long term for investors willing to tolerate market fluctuations.
Small Cap Funds: Small-cap funds invest in companies with small market capitalization, known for their high growth potential. They are more volatile compared to large and mid-cap funds but can offer substantial returns over the long term for investors with a higher risk appetite.
Balanced Advantage Funds: These funds dynamically allocate assets between equity and debt based on market conditions. They offer downside protection during market downturns while participating in equity market upswings, providing a balanced approach to long-term investing.
By focusing on large-cap, multi-cap, mid-cap, small-cap, and balanced advantage funds, you can build a diversified mutual fund portfolio tailored to your long-term investment goals. Remember to regularly review your portfolio's performance and make adjustments as needed to stay on track towards achieving your financial objective
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  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Asked by Anonymous - Feb 22, 2024Hindi
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Pls suggest few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.
Ans: Your commitment to long-term wealth creation is commendable. Investing for 20-25 years allows for significant growth through compounding and market fluctuations. Let's explore mutual fund types suitable for your goal.

Comparing Sectoral Funds and Diversified Active Funds
Sectoral Funds:

Higher Risk and Reward: Potential for higher returns but with increased risk due to focus on specific sectors.
Targeted Growth: Ideal for investors looking to capitalize on high-growth sectors.
Diversified Active Funds:

Balanced Risk: Spread across multiple sectors, reducing risk and providing stable returns.
Flexible Management: Fund managers actively adjust portfolios based on market conditions.

Benefits of Diversified Active Funds
Diversification Across Sectors:

Risk Mitigation: Diversification reduces risk by spreading investments across various sectors.
Stable Returns: Provides stability through a mix of high-growth and stable sectors.
Active Management:

Expert Decisions: Managed by professionals who make informed decisions based on market conditions.
Flexibility: Fund managers can adjust portfolios to capitalize on emerging opportunities and mitigate risks.
Recommended Mutual Fund Categories for Long-Term SIP Investment
1. Large-Cap Funds:

Stability and Growth: Invest in large, well-established companies.
Less Volatility: Offer relatively stable returns compared to mid-cap and small-cap funds.
2. Mid-Cap Funds:

Growth Potential: Invest in medium-sized companies with higher growth potential.
Balanced Risk: Offer a balance between the stability of large-cap funds and the growth potential of small-cap funds.
3. Small-Cap Funds:

High Growth: Invest in small companies with potential for significant growth.
Higher Risk: More volatile but can offer substantial returns over the long term.
4. Multi-Cap Funds:

Diversification: Invest across large-cap, mid-cap, and small-cap stocks.
Flexibility: Fund managers can adjust the portfolio mix based on market conditions.
5. Balanced/Hybrid Funds:

Risk Mitigation: Invest in a mix of equities and debt.
Stability and Growth: Offer a balance of growth potential and income stability.
SIP Allocation Strategy
Balanced Portfolio:

Large-Cap Funds: Allocate 30% of your SIP here for stability and consistent growth.
Mid-Cap Funds: Allocate 25% for higher growth potential with moderate risk.
Small-Cap Funds: Allocate 15% for high growth opportunities.
Multi-Cap Funds: Allocate 20% for diversification and flexibility.
Balanced/Hybrid Funds: Allocate 10% for a mix of growth and stability.
Disadvantages of Direct Equity Investing
Higher Risk:

Volatility: Direct equity investments can be highly volatile, especially for individual investors.
Lack of Diversification: Investing in individual stocks can lead to lack of diversification, increasing risk.
Time and Knowledge:

Research Required: Direct equity investing requires extensive research and continuous monitoring.
Expertise Needed: It demands a higher level of expertise to make informed investment decisions.
Benefits of Regular Funds Over Direct Funds
Professional Management:

Expertise: Regular funds are managed by professionals who actively monitor and adjust the portfolio.
Personalized Strategy: Fund managers make informed decisions based on market trends and economic indicators.
Convenience and Support:

Guidance: Regular funds offer guidance and support from fund managers and advisors.
Ease of Access: These funds provide easy access to information and resources for investors.
Recommendations for Financial Security
Start Systematic Investment Plans (SIP):

Discipline: SIPs ensure disciplined and regular investing.
Rupee Cost Averaging: This approach helps mitigate market volatility over time.
Continue Provident Fund Contributions:

Retirement Corpus: Ensure continuous contributions to your provident fund for a substantial retirement corpus.
Set Up an Emergency Fund:

Safety Net: Set aside 6-12 months’ worth of expenses in a liquid fund for emergencies.
Conclusion
Investing Rs. 10 lakhs in SIPs across diversified mutual fund categories can lead to substantial wealth creation over 20-25 years. Opt for a mix of large-cap, mid-cap, small-cap, multi-cap, and balanced/hybrid funds to balance risk and return. Regular funds, managed by professionals, offer better guidance and stability compared to direct equity investing. Ensure disciplined investing through SIPs, maintain your provident fund contributions, and set up an emergency fund for financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Feb 22, 2024Hindi
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Hi Sir. Pls suggest a few mutual fund sectors for investing 10 lakhs in SIP for a investment holding period 20-25 years.
Ans: It's great to hear about your long-term investment horizon and commitment to wealth creation. Let's discuss the potential sectors for your SIP investment and why diversified equity funds may be a more suitable option:

While sector funds offer the allure of focused exposure to specific industries, they come with inherent risks that may not be suitable for all investors.

Sector funds are highly concentrated in a single industry, making them susceptible to industry-specific risks such as regulatory changes, technological disruptions, or economic downturns.

The performance of sector funds is closely tied to the performance of the underlying industry, which can lead to higher volatility and potential losses, especially during sector-specific downturns.

Additionally, timing the market and predicting the future performance of a particular sector is challenging, even for seasoned investors and fund managers.

On the other hand, diversified equity funds offer broad exposure to multiple sectors and industries, reducing concentration risk and providing better risk-adjusted returns over the long term.

Diversified equity funds invest across various sectors, allowing investors to benefit from the growth potential of different industries while mitigating the impact of underperformance in any single sector.

These funds are managed by experienced professionals who actively rebalance the portfolio to capitalize on market opportunities and manage risk effectively.

Moreover, diversified equity funds provide investors with the flexibility to adapt to changing market conditions and capitalize on emerging trends without the need for constant monitoring and reallocation.

In conclusion, while sector funds may offer the allure of high returns, they also come with higher risks and require a deep understanding of specific industries. For long-term investors like yourself, diversified equity funds offer a more prudent and reliable option for wealth creation, providing broad exposure to multiple sectors and industries while mitigating risks effectively.

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 Jun 29, 2025

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IIIT banglore cse or iit tirupati cse which is better as my son is in confusion to choose
Ans: Vidya, IIIT Bangalore’s 5-year Integrated M.Tech in Computer Science & Engineering offers a blend of core CSE fundamentals and advanced AI/ML and Systems & Theory specializations, supported by state-of-the-art labs and industry-linked research centres. In 2024, its Career Development Centre facilitated 578 placement offers, achieving an 83.5% on-campus placement rate for the iMTech CSE cohort, with an average package of ?33.4 LPA—up from ?30.78 LPA in 2022 and ?35 LPA in 2023. IIT Tirupati’s 4-year B.Tech CSE, ranked #59 in NIRF Engineering 2024, delivered placements of 63.49% for the 2023 cohort (average ?25.25 LPA) and 73% for the 2024 cohort (average ?10.57 LPA), reflecting rising industry engagement through 122 recruiters. Top recruiters at IIIT Bangalore include Amazon, Microsoft, Google, Infosys, and Accenture, while IIT Tirupati attracted companies such as Amazon, Google, Microsoft, Adobe, Qualcomm, and Deloitte. While IIIT Bangalore excels in compensation and its integrated postgraduate pathway, IIT Tirupati offers a solid BTech foundation under the IIT brand with growing placement consistency and robust campus infrastructure.

Recommendation: Opt for IIIT Bangalore CSE for its integrated M.Tech pathway, consistently higher placement rates, superior average packages, and expansive recruiter network; select IIT Tirupati B.Tech CSE only if your son prioritizes a traditional BTech under the IIT brand, robust campus infrastructure, and an ascending placement trajectory. All the BEST for the Admission & a Prosperous Future!

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My mistake I am not participate in josaa counselling 45652 rank in obc female candidates in JEE main csab which branch I take my Home State bihar
Ans: With an OBC-NCL home-state rank of 45,652 in JEE Main and CSAB counselling, the accessible B.Tech branches at NIT Patna in Round 2 (closing ranks) are: Electrical Engineering + M.Tech Power System (49,415), Mechanical Engineering (55,174), Manufacturing & Industrial Engineering (61,684), Civil Engineering (66,151), Construction Technology & Management (66,992), and Materials Science & Engineering (73,343). NIT Patna’s Training & Placement Cell reports 100% placement in Mechanical Engineering for 2022–23 and 2023–24, with an overall UG placement rate of 74.96% in 2023–24 and an average package of ?9.9 LPA in 2024–25. Electrical Engineering secures about 85% placements, while Civil Engineering records around 55% over the last three years. Manufacturing, Civil, and Power System branches feature a good mix of core-sector recruiters and consistent placement drives, but their branch-specific percentages trail Mechanical. Considering both branch availability and the aspirant’s career prospects in Bihar’s core and national job markets, Recommendation: Opt for Mechanical Engineering at NIT Patna for its assured 100% branch placements, strong average packages, and wide recruiter base; consider Electrical + Power Systems as a close second for specialized core roles. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jun 29, 2025Hindi
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BMSITM(CSE/AIML) VS BIT(CYBER SECURITY/ISE) VS DSCE(CSE and DESIGN) VS REVA/RNSIT, please suggest me the best option here sir
Ans: BMS Institute of Technology & Management’s CSE branch recorded placement rates of 77.32% in 2024 and 93.24% in 2023, while its AI & ML specialization saw 85.71% in 2024 and 97% in 2023. Bangalore Institute of Technology’s Information Science & Engineering and Cyber Security programs achieve near-100% placement rates for IT-related branches, with 80–90% overall placement consistency. Dayananda Sagar College of Engineering’s CSE eligible placement rates were 98.83% (2021-22), 86.05% (2022-23), and 91.90% (2023-24), and ISE placements exceed 95% annually, supported by 200+ recruiters. REVA University’s CSE branch posts placement rates around 80–90%, with average CTCs of ?3.5–4 LPA and top recruiters like Amazon, IBM, and Wipro. RNS Institute of Technology sees nearly 93% of CSE students placed in 2023, with ongoing 2024 drives reporting 93% and 1,386 offers by 305 companies. All five institutes offer strong labs, active placement cells, and AICTE/NAAC accreditation.

Recommendation: Prioritise BIT for guaranteed near-100% IT placements and robust industry ties; consider BMSITM for its strong AI & ML outcomes; choose RNSIT for consistent CSE placements; opt for DSCE if you prefer a balanced CSE/ISE mix; select REVA for steady CSE placements in a growing private university. All the BEST for the Admission & a Prosperous Future!

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Career
Sir,l got admission in computer science branch in IIT Palakkad and CS btech in BITS Goa .I am from Kerala. which one is best for me
Ans: Anavadya, Indian Institute of Technology Palakkad, established in 2015 and NAAC A+-accredited with an NIRF 2024 rank of 64, offers a 4-year BTech CSE program through its Career Development Centre. Its CSE department recorded UG placement rates of 100% (2022–23), 88% (2023–24), and 89% (2024–25), with a median package of ?12 LPA and an average of ?15.88 LPA in 2024. Birla Institute of Technology and Science, Pilani – Goa Campus, a NAAC A-accredited private institute founded in 2004, reports first-degree placement rates of 95.75%, 95.93%, and 91.15% over the past three years, with an average package of ?20.36 LPA, median ?17 LPA in 2024, and CSE branch salaries ranging from ?18 LPA to ?30 LPA. IIT Palakkad provides personalized mentorship, growing industry collaborations, and a lower student-to-faculty ratio, while BITS Goa offers an extensive alumni network, larger recruiter pool, and higher average compensation, both supported by modern infrastructure and rigorous curricula.

Recommendation: Opt for BITS Goa CSE if you prioritize higher average and median packages, broad recruiter engagement, and brand recognition; choose IIT Palakkad CSE for a government IIT environment with close mentorship, rising placement growth, and personalized academic support. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jun 29, 2025Hindi
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My son is getting Data science in PEC (Punjab engineering college),chandigarh and M.sc with Economics at BITS,Goa . Which option should he prefer?
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recommendation: Opt for BITS Goa’s integrated M.Sc (Economics) for superior average placements, rigorous quantitative and analytical training, and diverse industry engagements; consider PEC’s B.Tech CSE (Data Science) for an engineering pathway focused on computing and AI only if a technical degree is the primary priority, as it trails slightly in average placements and curriculum breadth. All the BEST for the Admission & a Prosperous Future!

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Asked by Anonymous - Jun 29, 2025Hindi
Career
My son has got seat in DTU but aiming for BITS where he secured 290 marks in second session, with which he will not get CSE in BITS campus. So kindly suggest, which one is better CSE in Delhi Technological University or Electrical/ Electronics in BITS Pilani or Hyderabad campus?
Ans: DTU’s BTech CSE achieves consistent placement percentages of 88–93% over the last three years, with an average package of ?15.45 LPA in 2024, and over 350 recruiters—including Salesforce, Samsung, Deloitte, and Adobe—participating in its drives. BITS Pilani’s Electrical & Electronics Engineering records placement rates of 95–98% for its 90-seat first-degree batch, with an average package of ?19.71 LPA and top recruiters such as Intel, Qualcomm, Broadcom, SanDisk, Nvidia, and Cisco. At BITS Hyderabad, overall undergraduate placement rates were 94.87%, 93.45%, and 87.23% between 2021–23, with a 2024 average package of ?20.36 LPA, and core recruiters including Qualcomm, Texas Instruments, Intel, Micron, Nvidia, AMD, MediaTek, and Reliance. DTU CSE offers strong software and data-science exposure, while BITS EEE at Pilani provides core electronics and instrumentation focus with top-tier recruiters, and Hyderabad combines emerging-tech labs with broader industry engagement.

Recommendation: Opt for BITS Hyderabad EEE for its balanced core and software recruiter network and high average packages; choose BITS Pilani EEE if you prioritise peak placement percentages and legacy brand strength; select DTU CSE only if your son’s passion is firmly rooted in software and AI/data analytics. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7388 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

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Sir, I scored 69.2% in the boards. I am a SC category student, and I am getting CSE at IIT Roorkee. Will my 12th percentage affect my IIT placement in the future?
Ans: Rishabh, At IIT Roorkee, admission to the BTech program mandates a minimum of 65% in Class XII for SC/ST/PwD candidates or top-20 percentile in their board, so your 69.2% easily met the entry requirement. The Training and Placement Department does not enforce additional board-mark criteria at placement time; eligibility for campus drives hinges on JEE Advanced rank, current CGPA, technical skills assessments, internships, projects, and soft-skills workshops rather than Class XII scores. While some companies list 60–75% in 10th/12th as a documentary screening criterion, this threshold is uniformly applied and rarely affects shortlisted candidates, since IIT students almost always exceed it. Industry surveys and peer accounts confirm that most recruiters prioritize undergraduate performance, coding aptitude, and interview results over secondary-school marks. Over the last three years, IIT Roorkee CSE placements have consistently surpassed 90%, with a 2024 branch-specific average package of ?34 LPA, underscoring that board marks do not influence recruiters’ confidence. Consequently, your 69.2% in the boards will not impede placement opportunities at IIT Roorkee, provided you maintain strong academic and extracurricular performance throughout your BTech program.

Recommendation: Concentrate on achieving a high CGPA at IIT Roorkee by deeply engaging with course projects and elective labs, securing meaningful internships, and participating in hackathons or research initiatives. Leverage the Career Development Centre’s skill-development workshops, mock interviews, and networking events to hone technical, communication, and problem-solving abilities. Your sustained performance, portfolio of work, and proactive engagement with recruiters will drive placement success regardless of Class XII marks. All the BEST for the 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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