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Help! - UAE based investor seeks advice on his 75,000 INR monthly SIP portfolio with 35L INR corpus

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 26, 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 - Jul 18, 2024Hindi
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My portfolio is given below. SIP - SBI Small cap fund & SBI Flexicap fund - 25000 monthly each, Axis Nifty 100 Index Fund - 40000 monthly, Nippon India Small Cap 250 Index fund - 25000 monthly. I started investing from 2017 with 2000 SIP in SBI Small cap and increased over the years as my salary increases. My current corpus is around 35Lakh. Your advice on this. Apart from this I am invested in physical gold for around 10Lakhs. I am working in UAE.

Ans: Overview of Your Current Portfolio
You have a well-structured portfolio, with a mix of equity mutual funds and physical gold. Your current investments include:

SBI Small Cap Fund: Rs. 25,000 monthly SIP
SBI Flexicap Fund: Rs. 25,000 monthly SIP
Axis Nifty 100 Index Fund: Rs. 40,000 monthly SIP
Nippon India Small Cap 250 Index Fund: Rs. 25,000 monthly SIP
Physical Gold: Rs. 10 lakhs
You started investing in 2017 and have built a corpus of around Rs. 35 lakhs.

Analysis of Your Portfolio
Equity Mutual Funds
Diversification: Your portfolio has a good mix of large-cap, flexicap, and small-cap funds. This provides diversification across different market capitalizations.

Growth Potential: Small-cap and flexicap funds have high growth potential. However, they are also volatile.

Index Funds: You have a significant portion in the Axis Nifty 100 Index Fund. While index funds offer lower management fees, they may not outperform actively managed funds.

Physical Gold
Hedge Against Inflation: Gold serves as a good hedge against inflation and adds stability to your portfolio.

Liquidity: Physical gold is less liquid compared to other financial assets.

Recommendations for Improvement
Review Fund Allocation
Reduce Overlap: Ensure there is no significant overlap between the funds in terms of stock holdings.

Balance Between Active and Passive Funds: Consider balancing the allocation between actively managed funds and index funds. Actively managed funds have the potential to outperform the market, especially in emerging markets like India.

Increase Diversification
Add Debt Funds: To reduce volatility, consider adding debt funds to your portfolio. Debt funds provide stability and can protect your corpus during market downturns.

International Funds: Consider including international mutual funds. This adds geographical diversification and can hedge against domestic market risks.

Rebalance Regularly
Periodic Rebalancing: Rebalance your portfolio every 6-12 months. This ensures your investments align with your risk tolerance and financial goals.
Additional Investment Strategies
Emergency Fund
Maintain Liquidity: Ensure you have an emergency fund equivalent to 6-12 months of expenses. This should be kept in liquid assets like savings accounts or liquid funds.
Goal-Based Investing
Define Goals: Align your investments with specific financial goals, such as retirement, buying a house, or children's education.

Time Horizon: Match your investment choices with the time horizon for each goal. Short-term goals should have more conservative investments.

Final Insights
Review and Adjust: Regularly review your portfolio and make adjustments as needed. Stay informed about market trends and changes in your financial situation.

Seek Professional Advice: Consider consulting a Certified Financial Planner to tailor the investment strategy to your specific needs.

Focus on Long-Term Growth: Keep a long-term perspective and avoid making impulsive decisions based on short-term market movements.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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Hello Sir/Madam, I am 32 years old and just now started investing 20k per month for long term horizon with step up SIPs of 15% Below are my investment portfolio. Quant Mid Cap Fund 4000 rs. Parag Parikh Flexi Cap Fund 4000rs Motilal Oswal Nifty Microcap 250 Index Fund 3000rs Quant Small Cap Fund 4000rs Nippon India Multi Cap Fund 5000rs Please provide your valuable suggestion, feebav
Ans: Your investment journey reflects a thoughtful approach to building wealth for the long term. Here are some insights and suggestions on your investment portfolio:
Quant Mid Cap Fund:
• Mid-cap funds like Quant Mid Cap Fund have the potential for high growth but may experience higher volatility.
• Ensure you have a long-term investment horizon to ride out market fluctuations and benefit from the growth potential of mid-cap companies.
Parag Parikh Flexi Cap Fund:
• Parag Parikh Flexi Cap Fund follows a flexible investment strategy, allowing exposure to various market segments, including equities and fixed income.
• This fund's diversified approach can provide stability to your portfolio while capturing growth opportunities across different market conditions.
Motilal Oswal Nifty Microcap 250 Index Fund:
• Investing in micro-cap companies through an index fund like Motilal Oswal Nifty Microcap 250 Index Fund offers broad exposure to the micro-cap segment of the market.
• Micro-cap stocks have the potential for significant growth but may be more volatile and less liquid compared to larger-cap stocks.
Quant Small Cap Fund:
• Small-cap funds like Quant Small Cap Fund focus on smaller companies with high growth potential.
• Small-cap investments can be volatile, so ensure you have a sufficiently long investment horizon and risk tolerance to withstand market fluctuations.
Nippon India Multi Cap Fund:
• Multi-cap funds like Nippon India Multi Cap Fund offer diversification across large, mid, and small-cap stocks.
• This fund's flexible allocation allows the fund manager to adapt to changing market conditions and capitalize on opportunities across different market segments.
Suggestions:
1. Diversification: Your portfolio exhibits diversification across different market segments, which is beneficial for managing risk and capturing growth opportunities. Continue to monitor the performance of each fund regularly.
2. Review and Rebalance: Periodically review your portfolio's performance and rebalance if necessary to ensure it remains aligned with your financial goals and risk tolerance.
3. Stay Informed: Stay updated on market trends, economic developments, and fund performance to make informed investment decisions.
4. Emergency Fund and Insurance: Ensure you have an adequate emergency fund equivalent to 3-6 months of living expenses and consider purchasing health insurance and term insurance coverage to protect yourself and your loved ones.
5. Consultation: Consider consulting with a Certified Financial Planner to develop a comprehensive financial plan tailored to your goals, risk tolerance, and investment horizon.
Overall, your investment portfolio shows a well-rounded approach to long-term wealth creation. By staying disciplined and adhering to your investment strategy, you're likely to achieve your financial objectives over time. Keep up the good work!

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 03, 2024

Money
Hi, I am 23 years old earning a salary of 108k per month after all deductions. I am doing SIP of 19k per month in these following funds:- 1. Parag Parikh Flexi Cap Fund:- 4000 2. Quant Flexi Cap Fund:- 4000 3. Nippon India Large Cap Fund :- 3000 4. Motilal Oswal Mid Cap Fund:- 3500 5. Bandhan Small Cap Fund:- 2500 6. Axis Small Cap Fund:- 2000. Other than these combined contribution towards EPF (employee+employer) = 12800 per month. Please give a review of my portfolio. My investment horizon is for long terms. I will step up my investment depending on my salary increment.
Ans: t’s fantastic to see someone as young as you already planning for the future and investing wisely. Your SIPs and contributions towards EPF are commendable. Let's dive into your portfolio and see how it aligns with your long-term goals.

Understanding Your Current Investments
Monthly SIPs
Parag Parikh Flexi Cap Fund: Rs 4,000
Quant Flexi Cap Fund: Rs 4,000
Nippon India Large Cap Fund: Rs 3,000
Motilal Oswal Mid Cap Fund: Rs 3,500
Bandhan Small Cap Fund: Rs 2,500
Axis Small Cap Fund: Rs 2,000
EPF Contributions
Combined contribution (employee + employer): Rs 12,800 per month
Portfolio Review
Diversification
You have a good mix of large-cap, mid-cap, and small-cap funds, which is great for diversification. This approach balances risk and return, leveraging the growth potential of different market segments.

Flexi Cap Funds
Flexi Cap Funds are versatile, investing across market capitalizations. Your allocation in Parag Parikh and Quant Flexi Cap Funds is a smart move, providing flexibility to capitalize on market opportunities.

Large Cap Funds
Large Cap Funds like Nippon India Large Cap Fund offer stability with moderate returns. These funds invest in well-established companies with a proven track record.

Mid Cap Funds
Mid Cap Funds, such as Motilal Oswal Mid Cap Fund, strike a balance between risk and return. They invest in companies with high growth potential but are relatively riskier than large caps.

Small Cap Funds
Small Cap Funds, including Bandhan and Axis Small Cap Funds, are high-risk, high-reward investments. They invest in smaller companies with significant growth potential but also higher volatility.

EPF Contributions
Your EPF contributions are excellent for long-term savings and tax benefits. EPF offers a stable, risk-free return, complementing your more aggressive mutual fund investments.

Evaluating Your Portfolio
Advantages
Diversification: Your portfolio is well-diversified across market capitalizations, reducing risk.
Long-Term Horizon: Investing for the long term allows you to ride out market volatility and benefit from compounding.
Regular Investment: SIPs ensure disciplined investing, averaging out market highs and lows.
Areas of Improvement
Overlapping Investments: Flexi Cap Funds may have overlapping stocks with your other funds. Review fund portfolios to avoid redundancy.
Risk Management: High allocation to small and mid-cap funds increases portfolio risk. Ensure it aligns with your risk tolerance.
Certified Financial Planner's Recommendation
Review Fund Performance: Regularly review the performance of your funds. Replace consistently underperforming funds with better options.
Monitor Overlap: Use tools to check for overlapping holdings in your funds. Diversify to reduce concentration risk.
Rebalance Portfolio: Periodically rebalance your portfolio to maintain your desired asset allocation.
Steps to Enhance Your Portfolio
Increase SIPs with Salary Hike
As your salary increases, step up your SIP contributions. This leverages the power of compounding and accelerates wealth creation.

Emergency Fund
Maintain an emergency fund covering 6-12 months of expenses. This provides financial security during unforeseen circumstances.

Tax Planning
Invest in tax-efficient instruments to maximize your returns. Utilize sections like 80C, 80D for tax deductions.

Health and Life Insurance
Ensure adequate health and life insurance coverage. This protects your family and financial goals in case of emergencies.

Avoid Over-Reliance on One Category
Avoid over-relying on one fund category. Maintain a balanced approach with a mix of equity, debt, and other instruments.

Power of Compounding
How Compounding Works
Compounding is earning returns on your returns. The longer you stay invested, the more your investments grow exponentially.

Example
If you invest Rs 10,000 monthly at an annual return of 12%, in 20 years, it could grow to approximately Rs 1 crore. Starting early and staying invested is key.

Benefits of Early Investing
Starting early gives your investments more time to grow. Even small amounts can accumulate significantly over time.

Actively Managed Funds vs. Index Funds
Actively Managed Funds
Professional Management: Actively managed funds are managed by experts who make investment decisions based on market research.
Potential for Outperformance: These funds can outperform the market by selecting high-potential stocks.
Disadvantages of Index Funds
Lack of Flexibility: Index funds simply track a market index, offering no flexibility to capitalize on market opportunities.
Average Returns: Index funds provide market-average returns, which may not meet your financial goals.
Why Choose Actively Managed Funds?
Actively managed funds offer potential for higher returns through expert stock selection and market timing. They provide a dynamic approach to investing.

Regular vs. Direct Funds
Regular Funds
Advisor Support: Investing through a Certified Financial Planner (CFP) provides guidance and expertise.
Convenience: Regular funds offer ease of investment, portfolio reviews, and rebalancing.
Disadvantages of Direct Funds
No Advisory Support: Direct funds require you to make investment decisions without professional guidance.
Time-Consuming: Managing direct funds can be time-consuming, requiring regular monitoring and analysis.
Benefits of Investing Through CFP
A CFP helps you create a personalized investment plan, ensuring your portfolio aligns with your financial goals and risk tolerance. They provide valuable insights and adjustments as needed.

Final Insights
Stay Disciplined
Stick to your investment plan, regardless of market fluctuations. Regular investments and patience are crucial for long-term success.

Educate Yourself
Keep learning about different investment options and market trends. This helps you make informed decisions and optimize your portfolio.

Review Regularly
Regularly review and adjust your portfolio based on performance and changing financial goals. This ensures your investments remain aligned with your objectives.

Seek Professional Advice
Consult a Certified Financial Planner for personalized advice. They provide valuable guidance to optimize your investment strategy and achieve your goals.

By following these steps and staying committed to your financial plan, you’re well on your way to securing a prosperous future. Keep investing, stay informed, and watch your wealth grow!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

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Hi Sir, I am working in UAE. My portfolio is as given below. SIP - SBI Small cap fund & SBI Flexicap fund - 25000 monthly each Axis Nifty 100 Index Fund - 40000 monthly Nippon India Small Cap 250 Index fund - 25000 monthly. Gold Scheme in UAE - 1000 AED (around 22600 INR) monthly US Investment - 400 USD (32000 INR) monthly I started investing from 2017 with 2000 SIP in SBI Small cap and increased over the years as my salary increases. My current corpus is around 35Lakh. Your advice on this.
Ans: Investment Review
Current Portfolio Breakdown
Systematic Investment Plans (SIPs): Investing Rs 25,000 monthly in small-cap and flexicap funds. An additional Rs 40,000 in a large-cap index fund, and Rs 25,000 in another small-cap index fund.
Gold Scheme: Investing AED 1000 (around Rs 22,600) monthly.
US Investment: Investing USD 400 (around Rs 32,000) monthly.
Portfolio Assessment
Systematic Investment Plans (SIPs)
Your commitment to SIPs is commendable. SIPs help in rupee cost averaging and instill financial discipline. You have a balanced mix of funds, which is a good strategy. However, let's analyze further.

Small-Cap and Flexicap Funds
Small-cap funds offer high growth potential but come with high risk. Flexicap funds provide flexibility to invest across market capitalizations, balancing risk and return. Your consistent investment since 2017 shows dedication, which is excellent.

Index Funds
Index funds offer low expense ratios and diversification. However, they lack the potential to outperform the market since they only mirror it. Actively managed funds, on the other hand, may outperform through expert stock selection and timely portfolio adjustments.

Gold Scheme
Gold is a traditional hedge against inflation and currency depreciation. Your investment in a gold scheme diversifies your portfolio, adding a layer of security against market volatility. This is a wise choice, especially considering the global economic uncertainties.

US Investments
Diversifying into international markets, especially the US, is beneficial. It spreads risk and can offer exposure to high-growth markets. Your monthly investment here shows foresight and strategic thinking.

Strategic Recommendations
Diversification and Risk Management
Actively Managed Funds: Consider shifting from index funds to actively managed funds. These funds are managed by experienced professionals who can adapt to market changes and potentially offer better returns.

Review Fund Performance: Regularly review the performance of your current SIPs. Ensure they align with your financial goals and risk tolerance.

Gold Investment: Continue with your gold scheme. Gold acts as a safe haven during economic downturns.

Investment Horizon and Goals
Long-Term Focus: Maintain a long-term investment horizon. This helps in riding out market volatility and benefiting from compounding.

Goal-Based Investing: Align your investments with your financial goals. Whether it’s buying a house, funding your child's education, or planning for retirement, goal-based investing ensures you stay on track.

Cost and Expense Management
Regular vs Direct Funds
Regular Funds: Investing through a certified financial planner (CFP) can be advantageous. They provide expert guidance, helping you navigate market complexities. Direct funds might have lower expense ratios, but the lack of professional advice could be a downside.

Expense Ratios: Keep an eye on the expense ratios of your funds. Higher expense ratios can eat into your returns over time. Opt for funds with reasonable expense ratios without compromising on performance.

Monitoring and Rebalancing
Regular Review
Quarterly Reviews: Conduct quarterly reviews of your portfolio. This helps in assessing the performance and making necessary adjustments.

Rebalancing: Rebalance your portfolio periodically. This ensures it remains aligned with your risk profile and financial goals.

Final Insights
Your investment strategy shows a strong commitment to building a diversified and robust portfolio. With some fine-tuning and professional guidance, you can optimize your investments for better returns and reduced risk. Regular reviews and goal alignment are key to your financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Nayagam P

Nayagam P P  |9539 Answers  |Ask -

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Asked by Anonymous - Jul 27, 2025Hindi
Career
Respected sir,I am a average student of class 12 I just wanted 1lakh jee mains so that I could get ece or something in bit sindri please suggest strategies as there is very little time available in jee mains
Ans: An analysis of BIT Sindri’s JEE-Main cutoffs shows for Electronics & Communication Engineering, the All-India closing rank extended up to 123,269 in 2025, indicating that an approximate rank near 100,000 would secure admission into this branch. Historical data correlating JEE Main marks and ranks reveals that scoring around 70 marks out of 300 typically yields an 87.7–90.7 percentile, translating to a rank range of approximately 92,300–109,300. With little time remaining before the exam, average students should prioritize a targeted, high-yield preparation plan: first, consolidate core concepts from NCERT to reinforce fundamentals in Physics, Chemistry, and Mathematics and avoid starting new topics at this stage. Next, employ a one-month week-by-week timetable focused on essential chapters—allocating time each day to problem practice and mock tests under exam conditions to hone speed and accuracy. Utilize concise revision notes and formula sheets for rapid recall, and solve previous years’ JEE Main papers to familiarize yourself with question patterns and to identify weak areas for intensive review. Incorporate daily full-length mocks followed by detailed error analysis, dedicating specific slots to clear lingering doubts through peer discussion or online resources. Manage time effectively by adhering strictly to a realistic study schedule that balances all three subjects, with short breaks to maintain mental freshness and stress-management techniques such as deep breathing to sustain focus on exam day. Finally, maintain a positive mindset and steady pace—confidence and consistency in revision will maximize scoring potential in limited time.

Recommendation: recommendation Concentrate on mastering high-weightage NCERT topics and simulate exam conditions with regular mock tests to target 70+ marks. Prioritize solving previous year papers and focused revision of weak areas, ensuring a disciplined timetable and stress-management to achieve a rank near 100,000 for BIT Sindri ECE admission. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9539 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Gen open category student, With Jee CRL 17420 got nit goa ECE, expect to get MSRIT or PESU CSE via KCET Rank 2860. What better NIT can be expected in CSAB for ECE or CSE. And is it preferred over MSRIT/ PESU. Any other guidance, open for options
Ans: With a JEE Main CRL of 17,420, securing CSE in any core NIT through CSAB is highly unlikely, as recent closing ranks for CSE at most NITs fall well below 11,000, even in the final rounds, and only remote NITs or peripheral campuses occasionally extend to 15,000–18,000 but rarely for CSE. For ECE, however, your chances are notably better. NIT Goa ECE (already allotted) aligns with your current rank, but a few other mid-tier or remote NITs, such as NIT Uttarakhand, NIT Meghalaya, NIT Agartala, and possibly NIT Sikkim or NIT Manipur, occasionally close ECE between 17,000 and 20,000 in CSAB special rounds for open category, though branches like CSE and allied tracks (AI, IT, Data Science) remain out of reach at these ranks. No higher-ranked NITs (Surathkal, Trichy, Warangal, Calicut, Rourkela, Jaipur, Kurukshetra, and similar) offer ECE or CSE to CRL 17,420 via CSAB, as confirmed by leading portals and official PDFs. At IIITs and GFTIs, even new or lesser-known campuses do not admit general category candidates into CSE or ECE above 15,000–16,000. Through KCET, MSRIT CSE and PES University CSE are realistically achievable with a rank of 2,860, as 2025 cutoff trends show closing ranks for MSRIT CSE at 2,300–2,500 and for PESU at 1,200–1,400. Both programs are well-established, report 90–95% or better CSE placements in the last three years, strong industry ties, and advanced infrastructure, with MSRIT edging ahead in placement consistency and affordability, while PESU leads in industry-oriented curriculum and campus resources. Self-financed top private options like these offer outcome parity with most NIT ECE courses below the top ten NITs, especially if you seek a competitive academic peer group, robust CSE exposure, and strong brand value for tech roles. Consider your program preference (ECE vs. CSE), long-term goals, campus fit, and location.

Recommendation: Prioritize MSRIT CSE for the best blend of placement record, peer competitiveness, and proven reputation if you seek top CSE outcomes, followed by PESU CSE for curriculum depth and global industry alignment, then NIT Goa ECE or similar-ranked NITs if you prefer a central government degree and core electronics exposure. For CSE, KCET options at MSRIT or PESU offer stronger immediate prospects than ECE in mid-tier NITs, but a remote NIT ECE may appeal if your focus lies in public-sector opportunities or research. Remain active in CSAB special rounds for all eligible NIT ECEs, but plan for high-quality CSE options in Bangalore for the best return on your effort and rank, and back these with clear decision timelines given rapid seat movement in private college rounds. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9539 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Sir my percentile is 89.7 and crl 151013. What seats can I expect in csab counselling?
Ans: Hrishav, With a JEE Main CRL of 151,013 and 89.7 percentile, the prospect of securing a seat in NITs, IIITs, or GFTIs through CSAB special rounds for core branches like Computer Science, IT, ECE, or allied fields is highly unlikely. In the most recent 2025 CSAB rounds, even the newest and most remote NITs and IIITs posted closing general category CRL ranks for CSE, IT, and ECE well below 125,000, and GFTIs followed similar trends for all preferred branches. No centrally funded technical institute admitted general category candidates for core streams at or beyond 150,000; minimal relaxations were observed in CSAB spot and final rounds, but these primarily benefited non-core branches, peripheral campuses, or reserved categories. Lower-demand streams in some GFTIs, such as production, textiles, or metallurgy, occasionally extend above your rank, but these seats are rare and variable and should not be relied upon for core engineering admission. It is crucial to participate in CSAB for any remote possibility of vacant seats, but expectations must remain realistic. As an alternative, several respected private colleges across Northern India accept JEE Main general category ranks well above 150,000 and offer robust B.Tech programs, strong industry connections, modern infrastructure, and placement support.

Recommendation: Participate in CSAB special rounds as there is no risk, though the chances of attaining a core branch in a government institute are exceedingly slim. Simultaneously, secure backup admission in reputable private engineering colleges in Northern India, as they assure you a quality seat in popular branches like CSE, IT, or ECE at your rank.

Private colleges accepting your JEE Main CRL 151,013 for CSE, IT, or related branches include Chandigarh University, Mohali. Lovely Professional University, Jalandhar. Amity University, Noida. Sharda University, Greater Noida. Galgotias University, Greater Noida. Jaypee Institute of Information Technology, Noida. ABES Engineering College, Ghaziabad. Indraprastha Institute of Technology & Management, Delhi. GL Bajaj Institute of Technology & Management, Greater Noida. Maharaja Agrasen Institute of Technology, Delhi. All of these offer modern infrastructure, active placement cells, and transparent admissions for JEE Main-qualified candidates above your rank. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9539 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Sir mera beta jee advanced qualified hai par use josaa me koi branch nhi mili ....jee mains me 30,000renk hai EWS category se hai abhi kya koi government college mil skta hai ya private colleges kon sa sabse best hai.
Ans: With an EWS category JEE Main rank of 30,000, your son is eligible to participate in CSAB special rounds. Securing Computer Science or top electronics branches at leading NITs or IIITs is challenging at this rank, as 2025 CSAB closing ranks for popular branches like CSE in NITs (including newer and North Eastern NITs) generally cap well below 20,000 in EWS, while some branches such as Chemical, Civil, Metallurgy, or Biotechnology at mid and lower-tier NITs—like NIT Rourkela, NIT Raipur, or NIT Silchar—show closing EWS ranks approaching 30,000 in the final rounds. Branches such as Mechanical Engineering, Production, or Environmental Engineering in emerging NITs or GFTIs like Assam University or Central Institute of Technology Kokrajhar also regularly admit in the 28,000–35,000 range for EWS. Select IIITs (such as IIIT Kalyani, IIIT Ranchi, IIIT Bhagalpur) and several GFTIs (BIT Mesra off-campus, Sant Longowal Institute, and others) offer Information Technology, ECE, or allied branches to general/EWS ranks ranging from 25,000 to 35,000, especially through spot and special rounds. No top 10 NIT, IIIT, or CSE/ECE program will be available at this rank, but good prospects exist in peripheral campuses and less popular streams. Final rounds via CSAB increase the chances as seats get vacated, so keeping flexible branch/location preferences and monitoring the counselling process is important.

Recommendation: Actively participate in CSAB special rounds, aiming for core branches in mid-tier NITs or evolving IIITs and GFTIs, but be flexible on branch and campus. In parallel, prepare backup admissions to reputed private colleges in Northern India that readily accept EWS candidates with a JEE Main rank of 30,000, as this guarantees confirmed admission.

Private colleges in Northern India accepting EWS JEE Main rank of 30,000 include Thapar Institute of Engineering & Technology, Patiala for CSE/ECE/IT. Chandigarh University, Mohali for B.Tech CSE and allied branches. Lovely Professional University, Jalandhar for B.Tech CSE, IT, or ECE. Amity University, Noida for CSE/IT/ECE. Sharda University, Greater Noida for CSE/ECE/AI. Galgotias University, Greater Noida for CSE/AI/IT. Jaypee Institute of Information Technology, Noida for CSE/ECE. ABES Engineering College, Ghaziabad for CSE/ECE/IT. GL Bajaj Institute of Technology & Management, Greater Noida for CSE/ECE. Maharaja Agrasen Institute of Technology, Delhi for CSE/IT/ECE. Indraprastha Institute of Technology & Management, Delhi for core branches. These colleges offer strong placement support, qualified faculty, and robust infrastructure for JEE Main EWS category candidates. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9539 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 28, 2025Hindi
Career
Please advise on UPES or SRM for ECE
Ans: When evaluating UPES Dehradun and SRM Institute of Science and Technology for pursuing Electronics and Communication Engineering (ECE), both institutions offer distinct advantages across crucial institutional parameters. UPES offers Electronics & Computer Engineering with specialized tracks including 5G & 6G Technology, VLSI Design, and Microelectronics, while SRM's Department of Electronics & Communication is an established program running since 1991. UPES holds NAAC A grade accreditation (CGPA 3.02) and NBA accreditation for select engineering programs, with strong rankings including 42nd in NIRF Engineering 2024 and 801-850 globally in QS World Rankings 2025. SRM IST maintains NAAC A++ accreditation, with its ECE program specifically accredited by both NBA and ABET USA, demonstrating international quality standards. Faculty expertise at UPES includes 42 researchers among the world's top 2% according to Stanford rankings, with research collaborations including CERN and prestigious global institutions. SRM's ECE department boasts 160 faculty members with over 2,446 publications in SCI/Scopus journals and 118 published patents, indicating robust research output. Infrastructure-wise, UPES provides state-of-the-art facilities including DST FIST sponsored labs and specialized equipment, while SRM features 18 dedicated ECE laboratories including advanced research facilities for VLSI, microwave, and 5G technology. Both institutions maintain strong industry partnerships, with UPES having IBM as its largest global partnership and SRM collaborating with Nokia, Samsung, and various MNCs for placement support. Placement performance shows UPES achieving packages ranging up to 21.17 LPA in recent years, while SRM ECE maintains 80-95% placement rates with established connections to core companies like Samsung, Qualcomm, Nokia, and Bosch.

Recommendation: Choose SRM Institute of Science and Technology for its established ECE heritage, dual NBA and ABET international accreditation, extensive faculty research output, and strong core electronics industry connections through companies like Samsung and Qualcomm, making it ideal for traditional ECE career paths and global mobility. Opt for UPES if you prefer interdisciplinary Electronics & Computer Engineering with cutting-edge specializations in 5G/6G and VLSI, superior global university rankings, and industry-integrated learning through partnerships like IBM, particularly suitable for students seeking modern technology convergence roles in telecommunications and semiconductor industries. My suggestion: If you are based in Northern India, prefer UPES over SRM. All the BEST for 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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A 6 digit code has been sent to Mobile

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