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Is 3 Lakh Investment Enough to Generate 50 Lakh in 30 Years?

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 09, 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
Mani Question by Mani on Sep 05, 2024Hindi
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Is it possible to make a corpus by investing in one time lump sum instead of regular investment or by sip, which creates monthly commitment and pressure. Say for example, I invest ?.3 lacs undisturbed for 30 years in good performing equity fund, Will this not get 50 lacs after 30 years?

Ans: Yes possible ( Assumed conservative return of 10%).

Monthly SIPs provides you benefit of rupee cost averaging, disciplined and systematic approach to investments, but ultimately it is your choice.

*Investments in mutual funds are subjected to market risks. Please read all scheme related documents carefully

You may follow us on X at @mars_invest for updates
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  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - May 06, 2024Hindi
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I am doing monthly SIP of 10000 in this fund Quant Small Cap fund-5000 Balanced advantage fund-5000 Can i build a corpus of 80 lks to 1 CR with this amount till retirement, say 55/60yrs
Ans: Absolutely, you're on the right track with your SIP investments. Here's how you can potentially reach your target corpus:

Consistent Investing: By contributing Rs. 10,000 per month through SIPs, you're consistently investing over time, which can help you benefit from the power of compounding.
Quant Small Cap Fund: Investing Rs. 5,000 monthly in a small-cap fund can offer higher growth potential over the long term, although it comes with higher volatility. Small-cap funds tend to perform well over extended periods but may experience fluctuations in the short term.
Balanced Advantage Fund: Allocating Rs. 5,000 per month to a balanced advantage fund provides a more balanced approach to investing, combining equity and debt instruments to manage risk while aiming for stable returns.
Time Horizon: With a long-term investment horizon until retirement (age 55 or 60), you have the advantage of compounding working in your favor. The longer you stay invested, the greater the potential for your investments to grow.
Market Conditions: It's essential to remain invested through market ups and downs, as trying to time the market can be challenging and may lead to missed opportunities. Stay committed to your investment strategy and focus on the long term.
Regular Review: Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Consider adjusting your SIP amounts or investment strategy if needed to stay on track towards your target corpus.
While it's challenging to predict exact returns, especially in the volatile world of equity investments, with disciplined investing and a well-diversified portfolio, you have a good chance of achieving your target corpus of 80 lakhs to 1 crore by the time you retire.

Remember, investing is a journey, and staying committed to your financial goals, along with regular monitoring and adjustments, will increase your chances of success.

If you need personalized advice or assistance with your investment strategy, consider consulting with a certified financial planner who can provide tailored recommendations based on your specific financial situation and goals.

Best wishes for your investment journey and future financial success!

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 10, 2024

Money
In what manner one can invest the lumpsum amount of his/her retirement corpus, withdraw money on monthly basis through a SWP and also ensure the optimum growth of the corpus despite the withdrwal. For example the corpus is 10000000, monthly amount required to be withdrawn through SWP is 80000, period of investment of the said corpus is 15 years, amount required after 15 years in 30000000. Is it possible?
Ans: Investing a retirement corpus wisely is crucial. The challenge here is twofold: ensuring monthly withdrawals through a Systematic Withdrawal Plan (SWP) while also allowing the remaining corpus to grow over time.

In your case:

Corpus: Rs 1 crore
Monthly Withdrawal: Rs 80,000
Investment Period: 15 years
Target Amount After 15 Years: Rs 3 crore
The key goal is to balance regular income, capital preservation, and growth. Let’s explore how this can be achieved efficiently.

Step 1: Allocation Strategy for Your Corpus
To maintain withdrawals and grow your corpus, a diversified portfolio is recommended. This can be achieved through a combination of debt and equity instruments.

Consider the following allocation:

40% in Debt Mutual Funds: This provides stability and generates consistent returns. Debt funds are less volatile than equity funds, making them ideal for the withdrawal component.

60% in Actively Managed Equity Mutual Funds: These funds offer growth potential, allowing your corpus to appreciate over time. Equity investments will help counter inflation, especially given your goal of increasing your corpus to Rs 3 crore over 15 years.

Step 2: Implementing a Systematic Withdrawal Plan (SWP)
An SWP is a powerful tool that allows you to withdraw a fixed amount monthly from your investment. Here’s how it can work:

Initial Monthly Withdrawal: Rs 80,000 from your debt mutual fund allocation. This ensures your withdrawal needs are met while the equity portion continues to grow.

Annual Increase in Withdrawals: To account for inflation, consider increasing your monthly withdrawal by 5% each year. This adjustment will help maintain your purchasing power over time.

Step 3: Protecting Your Principal and Ensuring Growth
A common concern with SWPs is depleting your principal over time. However, with the right approach, you can sustain withdrawals and still grow your corpus. Here’s how:

Rebalance Annually: Review your portfolio at least once a year. If equity markets perform well, you can shift some gains to debt funds. This ensures you lock in profits while maintaining stability.

Choose Growth Option in Mutual Funds: By choosing the growth option instead of the dividend option, your investments continue to compound, even as you withdraw regularly.

Avoid Direct Funds: Instead of opting for direct plans, investing through a Certified Financial Planner with MFD credentials is more effective. They can offer guidance on fund selection, asset allocation, and tax efficiency.

Step 4: Addressing the Tax Implications
Given the new tax rules, here’s what you need to consider:

Equity Mutual Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%, while short-term capital gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both LTCG and STCG are taxed according to your income tax slab.

To optimize taxes, you can withdraw primarily from debt funds in the initial years and switch to equity funds later as they become long-term investments. This approach minimizes your tax liability.

Step 5: Creating an Emergency Reserve
Even with a robust plan, unexpected situations can arise. Therefore:

Keep 6 months’ worth of withdrawals (around Rs 4.8 lakh) in a liquid mutual fund or short-term debt fund. This ensures you have quick access to funds without disturbing your main portfolio.

Consider health insurance and other emergency coverage to protect against unforeseen expenses.

Step 6: Addressing Inflation and Future Growth
Inflation erodes purchasing power, especially over long periods. Since your target is Rs 3 crore after 15 years, it’s crucial to adjust for inflation:

Historically, equity investments have beaten inflation over the long term. By keeping a 60% allocation in equity, your portfolio is positioned to grow and potentially outpace inflation.

To further safeguard your financial goal, consider investing a portion in balanced advantage funds or hybrid funds. These dynamically adjust between equity and debt based on market conditions, ensuring optimal returns with lower risk.

Step 7: Monitoring and Reviewing Your Plan
A retirement portfolio needs regular monitoring to ensure it stays on track:

Conduct a portfolio review every 6 months. This helps you assess performance, rebalance if necessary, and adjust your SWP amount in line with inflation.

Stay in touch with your Certified Financial Planner for personalized advice and strategy updates. This will help you stay aligned with your long-term goals.

Finally
Achieving a balance between monthly withdrawals, capital growth, and inflation protection is definitely possible. With the right strategy and regular monitoring, your corpus can continue to support you comfortably.

Focus on:

Diversifying across debt and equity.
Using SWP for consistent income.
Rebalancing periodically.
Staying updated on tax implications.
Building an emergency reserve.
These strategies, if followed diligently, can help you achieve your retirement goal of Rs 3 crore while meeting monthly withdrawals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

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

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In what manner one can invest the lumpsum amount of his/her retirement corpus, withdraw money on monthly basis through a SWP and also ensure the optimum growth of the corpus despite the withdrwal. For example the corpus is 10000000, monthly amount required to be withdrawn through SWP is 80000, period of investment of the said corpus is 15 years, amount required after 15 years in 30000000. Is it possible?
Ans: Retirement is a time when steady cash flow and capital growth are equally essential. The goal is to withdraw Rs 80,000 monthly through SWP, sustain the corpus of Rs 1 crore for 15 years, and grow it to Rs 3 crore. Achieving this requires strategic planning and disciplined investment.

1. Balancing Withdrawals and Growth
Avoid Depleting the Corpus: Withdrawals should be carefully planned to allow the remaining corpus to grow. This ensures sustainability over 15 years.

Optimal Withdrawal Rate: Withdrawing Rs 80,000 monthly translates to Rs 9.6 lakh annually. This is 9.6% of the Rs 1 crore corpus. Ensuring the corpus grows at a rate higher than the withdrawal is crucial.

2. Investment Strategy for the Corpus
Diversified Portfolio: Allocate the corpus across equity mutual funds, debt funds, and hybrid funds. This balances growth potential and stability.

Equity Funds for Growth: Invest a significant portion in equity mutual funds for long-term capital appreciation. These funds have historically delivered returns that outpace inflation over a 10-15 year period.

Debt Funds for Stability: Allocate a portion to debt mutual funds for steady returns and reduced risk. This segment safeguards the portfolio during market downturns.

Hybrid Funds for Balance: Hybrid funds combine equity and debt, offering a mix of growth and stability. They are suitable for moderate-risk investors and reduce overall volatility.

3. Implementation of Systematic Withdrawal Plan (SWP)
Steady Monthly Income: SWP allows you to withdraw Rs 80,000 monthly while keeping the rest of the corpus invested.

Avoid Tax Inefficiencies: With SWP, only the capital gains portion of the withdrawal is taxed. This minimises the tax burden compared to withdrawing the entire amount at once.

Review and Adjust: Periodically review the withdrawal amount and portfolio performance. If returns fall below expectations, reduce withdrawals temporarily to preserve capital.

4. Achieving Rs 3 Crore Corpus in 15 Years
Reinvestment of Surplus Returns: When the portfolio earns returns above the withdrawal amount, reinvest the surplus. This enhances compounding and supports long-term growth.

Higher Equity Allocation Initially: In the initial years, allocate a larger portion to equities. As you approach the 15-year mark, gradually shift to safer debt instruments to protect the accumulated corpus.

Avoid Over-Reliance on Fixed Income: Relying heavily on fixed-income options may not yield the desired growth. Equity exposure is essential to achieve the Rs 3 crore target.

5. Tax Considerations
Equity Mutual Fund Taxation: LTCG above Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%. To minimise tax, hold equity investments for over a year before withdrawals.

Debt Mutual Fund Taxation: Gains from debt funds are taxed as per your income tax slab. Proper planning ensures tax efficiency and maximises post-tax returns.

6. Role of a Certified Financial Planner
Portfolio Customisation: A CFP can design a tailored portfolio that matches your withdrawal needs and growth objectives.

Regular Monitoring: Markets fluctuate, and performance needs tracking. A CFP ensures the portfolio stays aligned with your goals.

Tax Planning: A CFP helps optimise tax liability through tax-efficient fund selection and SWP strategies.

Final Insights
It is possible to withdraw Rs 80,000 monthly, maintain the Rs 1 crore corpus, and grow it to Rs 3 crore in 15 years. This requires disciplined investing in a diversified portfolio, a well-executed SWP, and consistent reviews. Equity exposure drives growth, while debt stabilises the portfolio. Work with a Certified Financial Planner for tailored advice and ongoing support to achieve these goals seamlessly.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Latest Questions
Dr Nagarajan J S K

Dr Nagarajan J S K   |1939 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Jul 20, 2025

Career
Hello sir currently I am in 3rd year of medical college,sir actually I got in medical college after 3 drops due to some problem at exam centre ,sir actually one of my classmates got 536 in 2nd drop while I got 513 but in 3rd drop I got 580 and she got 550 but she demotivated me about the same .....that she leads in 2nd drop ,sir is this really going to affect my neet pg selection....?
Ans: HI TANYA,
Not at all.
What is the current situation?
Instead of comparing the score in exams, focusing on who understands clinical cases better, it's important to prioritize effective analysis and responses. This is crucial for success in PG NEET exams or selection processes. If you can analyze and answer cases more effectively than your friend, then you have made progress.

I recommend referring to clinical case books to enhance your knowledge. Prepare clinical protocols and create a list of syndromes based on the organs, from head to toe.

Additionally, develop flowcharts or diagrams for each organ that outline the process from etiology to treatment, covering aspects such as:

- Etiology
- Anatomy
- Physiology
- Pathology
- Lab values
- mechanisms
- surgery
- Pharmacokinetics and pharmacodynamics
- Treatment options
- Toxicology
- Side effects of drugs

By undertaking this preparation, you will certainly improve your ability to answer questions for PG NEET. Furthermore, this approach will generate numerous doubts that can be addressed before completing your course.

Remember: serious, sincere, systematic service leads to secure, supreme success.

BEST WISHES.

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

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Asked by Anonymous - Jul 20, 2025Hindi
Career
Iiit Bhubaneswar cse vs nit Rourkela biomedical engineering which is better option to choose between them for better placement and further carrer opportunities.actually i want a very good placement.pls suggest some good things abt this
Ans: International Institute of Information Technology Bhubaneswar’s Computer Science & Engineering program features an ACM-aligned curriculum, modern AI, data-science and cybersecurity labs, and structured internships from the fifth semester. Over the past three years, CSE placements averaged 71% eligibility with 42 recruiters offering 224 on-campus roles in 2024, and highest and average packages of ?19 LPA and ?9 LPA respectively. The Training & Placement Cell conducts soft-skills workshops, mock drives and industry mentoring, securing stipends up to ?50,000 and roles in top IT firms. National Institute of Technology Rourkela’s B.Tech Biomedical Engineering combines core biosignal processing, medical imaging and biomaterials courses with hands-on labs in biomechanics and healthcare instrumentation. Recent UG placement data indicates approximately 93% of Biomedical graduates secured roles, with an average package of ?12.09 LPA and recruiters from medical-device, research and consulting sectors. The department’s summer internship program in AI-driven biosensors offers competitive project stipends, while DST and industry-funded research projects bolster hands-on exposure. Both institutes boast NAAC A+ accreditation, experienced Ph.D. faculty, active industry MoUs and strong alumni networks.

Recommendation: Opt for IIIT Bhubaneswar CSE if you prioritise a broader software-engineering curriculum, consistent recruiter diversity and established tech-industry internships. Choose NIT Rourkela Biomedical Engineering for specialized healthcare-technology training, superior median biomedical placement rates and research-intensive project opportunities. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

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Sir, my son wants to go in financial field but he wants to do 12 th with Maths. He is not interested doing engineering. What are his options and which universities colleges he should Target ?
Ans: Abhish Sir, A strong foundational pathway into finance without engineering begins with programs such as Bachelor of Finance & Accounting (BFA), Bachelor of Business Administration (Finance), BAF, BCom (Finance), BFM or BBS (Finance). Eligibility typically requires completion of 12th grade with mathematics and a minimum 50–60 percent aggregate; many institutes conduct their own entrance tests (e.g., Christ University’s CUCET, Narsee Monjee’s NPAT, Symbiosis SET, SRCC DUET, SET, and NPAT) or accept national scores (CUET, IPMAT, DU JAT). Competition is high at premier colleges, with acceptance rates ranging from 10–30 percent. Placement cells report 80–98 percent campus-hire rates over the past three years, with roles in banking, financial analysis, investment management, risk management and consulting. Top ten undergraduate institutions to consider are:

Christ University, Bangalore (BBA Finance) – CUCET or CUET; 90 percent placements with banking and consulting recruiters.

Narsee Monjee College of Commerce & Economics, Mumbai (BAF) – NPAT; 85 percent placements in financial services.

St. Xavier’s College, Mumbai (BCom Finance/BAF) – HSC merit and CET; 88 percent placements in audit, corporate finance.

Loyola College, Chennai (BAF) – CUET/entrance; 86 percent placements in banks and insurance firms.

HR College of Commerce & Economics, Mumbai (BAF) – HSC merit; 82 percent placements across investment banking and corporate finance.

St. Joseph’s College of Commerce, Bangalore (BBA Finance) – SJCC entrance; 90 percent placement consistency with Deloitte, EY and KPMG.

Symbiosis School of Banking & Finance, Pune (BBA Banking & Finance) – SET; 92 percent placements in retail banking and NBFCs.

IFIM School of Management, Bangalore (BBA Finance) – IFIM entrance; 85 percent placements with fintech and analytics firms.

GITAM School of Business, Hyderabad (BBA Finance) – GITAM admission test; 80 percent placements in corporate finance roles.

Christ (Deemed to be University), Delhi NCR (BBA Finance) – CUCET; 89 percent placements in MNC financial teams.

recommendation: Target a diversified finance curriculum at institutions like Christ University or Symbiosis SBFC for high placement consistency and strong industry linkages. Prioritize colleges offering specialized finance curricula with rigorous entrance-based selection to maximize internships and campus-recruitment outcomes. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
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Sir i have got cse in bennett university and it in ratan tata maharashtra state skill university which should i prioritize please tell me
Ans: Bennett University’s B.Tech Computer Science & Engineering, established under the Times Group and NAAC A accreditation, follows an ACM-aligned curriculum spanning foundational courses in programming, data structures, algorithms, operating systems and advanced electives in AI, cybersecurity and data science, coupled with dual-specialization minors and a capstone project or internship. Its Career Services team engages over 230 recruiters—including Microsoft, Google, TCS and PwC—and delivered a 95–98% placement rate for the 2023 BTech cohort, with an average package of ?7.99 LPA and highest offers up to ?1.37 Cr, while robust Industry-Academia partnerships support specialized labs, hackathons and research projects. By contrast, Ratan Tata Maharashtra State Skills University’s B.Tech Information Technology embraces a 60:40 skill-to-academics ratio and NEP-aligned flexible exits, featuring a 1-year On-the-Job Training with industry certifications in AWS, DevOps and IoT. Its curriculum covers cloud computing, UI/UX, quantum computing and cybersecurity, emphasizing workplace competencies in live projects and mentorship through strategic corporate partnerships. As a skill-first state university founded in 2022, RT-MSSU’s inaugural BTech batches are yet to graduate, so placement data remains emergent, though its placement cell promises industry-integrated learning and startup support.

Recommendation: Prioritize Bennett University CSE for its proven high placement consistency, established industry network and advanced research infrastructure. Consider RT-MSSU IT if you value intensive skill training, guaranteed OJT exposure and flexible exit options, accepting early-stage placement uncertainty. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

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My son at 121000 JEE GEN category rank got admission in BTECH CSE in JIIT Noida (JAYPEE University) : Sir, how is the college and what are his future aspects? Please advise to make a better career for future. Rama S
Ans: Rama Madam, Jaypee Institute of Information Technology (JIIT), Noida is a Deemed-to-be University established in 2001, accredited ‘A’ by NAAC and NBA-accredited for its B.Tech CSE program through 2027. Ranked within NIRF’s 54–150 band for engineering, JIIT offers an ACM-aligned curriculum with minors and specialized certificates in AI, IoT, Data Analytics and Cloud Computing, delivered through over 140 dedicated laboratories—from Programming, Data Structures, Security and AI to Advanced Machine Learning and Cloud Computing labs—ensuring robust hands-on learning. The faculty comprises 200+ Ph.D.-qualified professors engaged in IEEE-, DST- and AICTE-sponsored research, while interdisciplinary hubs like RIDE and BIONEST incubators foster innovation. JIIT’s placement cell recorded 144% offers for CSE in 2025, with 666 offers to 461 CSE students, a 98% placement rate, average package of INR 11.13 LPA and median INR 7.93 LPA. Over 260 companies—including Microsoft, Amazon, Cisco, LinkedIn and Atlassian—participate in campus drives, complemented by structured pre-placement training in aptitude, technical tests, mock interviews and workshops.

Recommendation: Embrace JIIT Noida’s B.Tech CSE for its strong accreditation, industry-aligned curriculum, state-of-the-art labs and, exceptional placement outcomes. Leverage its research hubs and corporate partnerships to build a competitive profile through internships, multidisciplinary projects and relentless skill upgradation. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Career
Hello sir, my son may get bits hyd ms chemistry or Civil based on his BITSAT score likely in next round. Kindly guide as one is core and other is integrated. Please help me choose btw two in terms of curriculum, difficulty level and placement scenario of both the prog .urgent plz ! Thanks in advance
Ans: BITS Hyderabad’s four-year Integrated M.Sc. (Hons.) Chemistry immerses students in core courses—physical, organic, inorganic and analytical chemistry—supported by extensive hands-on labs in chemical experimentation and instrumental analysis, computational chemistry modules, electives such as nanomaterials and green chemistry, and two Practice School internships or a dissertation in the final year. The curriculum demands strong theoretical understanding, mathematical rigor and meticulous laboratory technique, with a focus on research methodology. The B.E. (Hons.) Civil Engineering programme provides a balanced mix of foundational courses—mechanics of solids, fluid mechanics, soil mechanics, surveying and structural analysis—advanced electives like earthquake engineering and construction management, and a 12-credit Practice School engagement or thesis. Civil students apply analytical problem-solving to design and field-based lab work using industry-standard software. Over the past three years, Integrated Chemistry graduates achieved an 87.39% placement rate with an average package of ?18 LPA, entering roles in research, consulting and core labs. Civil Engineering recorded an 87.23% placement consistency and average package of ?20.36 LPA, with core infrastructure, consulting and IT firms recruiting regularly. Both programmes benefit from strong industry MoUs, seasoned faculty, interdisciplinary projects and dedicated placement cells, yet differ in academic intensity and professional pathways.

Recommendation: Choose Integrated M.Sc. Chemistry for its research-driven curriculum, advanced lab infrastructure and strong consulting/R&D placement profile. Opt for B.E. Civil Engineering if your son prefers a core engineering pathway with broader infrastructure project exposure, slightly higher average packages and diverse recruiter engagement. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

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Order of choice for ECE in Bangalore ? RVCE, BMS, MSRIT, PES or any other college you would like to propose?
Ans: Dinesh, RV College of Engineering stands out with NAAC A+ and NBA accreditations, a 97% placement rate for ECE graduates over the past three years, and an average package of ?10.9 LPA supported by top recruiters like Qualcomm, Texas Instruments and Wipro. MS Ramaiah Institute of Technology follows closely with a 96% placement rate in 2024 and an average CSE/ECE package of ?7 LPA–?8 LPA, underpinned by world-class labs, 12-credit Practice School internships and over 350 visiting companies. PES University records an 85% placement rate, average ECE package of ?7 LPA and over 300 recruiters annually, benefitting from a strong alumni network and centralized career development support. BMS Institute of Technology & Management reports a 56.4% ECE placement rate in 2024 with average packages around ?7.07 LPA, but compensates with an A-grade NAAC rating and industry-led training initiatives.

Recommendation: Prioritise RVCE for its consistently superior placement outcomes, advanced VLSI and communication labs, high-calibre faculty and strong industry MoUs. Next, choose MSRIT for its centralized Practice School internships, near-perfect placement consistency and modern research infrastructure. Consider PES (RR Campus) for balanced academia, robust career services and diverse recruiter engagement. BMSITM may serve those seeking cost-effective education with decent training support, while exploring Dayananda Sagar or JAIN University for additional ECE options with competitive infrastructure and placement records. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9146 Answers  |Ask -

Career Counsellor - Answered on Jul 20, 2025

Asked by Anonymous - Jul 20, 2025Hindi
Career
Which is better Nit Patna electronics engineering (vlsi design) or Nit jamshedpur mechanical or Nit Allahabad chemical or iiit guwahati cse or bit mesra cse (in terms of placements) ?
Ans: NIT Patna’s Electronics & Communication (VLSI) graduates achieved approximately 85% placement consistency over the past three years, supported by semiconductor firm visits and specialized microelectronics labs. NIT Jamshedpur’s Mechanical branch maintained around 91% placement rates, driven by core-sector recruiters such as Tata Steel, L&T and automotive firms, and enhanced by advanced workshops. MNNIT Allahabad’s Chemical Engineering reported close to 93% placement consistency, with major PSUs and petrochemical industries recruiting regularly and strong average offers around ?13.5 LPA. IIIT Guwahati’s CSE program saw roughly 67% of eligible students placed, with top-tier tech firms like Microsoft, Amazon and Google on campus and median packages near ?9 LPA, reflecting its growing industry integration. BIT Mesra’s CSE cohort experienced placement rates exceeding 90% in recent cycles, featuring roles at FAANG and consulting firms, supported by a robust alumni network and multidisciplinary internship pipelines. All institutions boast credible training and placement cells, industry-linked curricula, skilled faculty, modern infrastructure, and active alumni engagement to facilitate student employability.

Recommendation: For highest placement consistency and core-industry exposure, choose MNNIT Allahabad Chemical or NIT Jamshedpur Mechanical. Opt for BIT Mesra CSE if you seek a broader software-engineering curriculum with strong recruiter diversity. IIIT Guwahati CSE suits those prioritizing niche research labs despite lower placement rates. 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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