My PPF was opened in 1992 and still alive on extension after evwery 5 years.If I withdraw 60% of the available balance and reinvest in the same PPF in every year to claim income tax rebate on the reinvested amount.If it is possible then PPF will be more attractive.Thank you.

Ans: Keerthana, For CSE/ECE, target NIT Trichy (CSE OBC-OS: 8,241–8,996; ECE OBC-OS: 3,080–3,546), NIT Surathkal (CSE OBC: 499–9,918), NIT Calicut (ECE OBC-HS: 11,853–14,647), NIT Durgapur (CSE OBC-OS: 3,182; ECE OBC-OS: 4,631), and NIT Raipur (CSE OBC-OS: 3,382–3,917; ECE OBC-OS: 4,631). CSE remains highly competitive, with cutoffs significantly lower for ECE across institutes. For example, NIT Trichy ECE (OBC-OS: 3,080–3,546) and NIT Raipur ECE (OBC-OS: 4,631) are more accessible. NIT Calicut offers ECE at OBC-HS ranks up to 14,647, while NIT Durgapur’s ECE (OBC-OS: 4,631) is viable. Prioritize ECE at NIT Trichy/Surathkal for reputation or CSE at NIT Raipur/Durgapur if rank aligns. Home State (HS) quotas (e.g., NIT Trichy CSE-HS: 11,196–20,185) may require higher ranks. Overall, focus on ECE in mid-tier NITs or CSE in newer NITs based on cutoff alignment. Please note, BITS needs minimum 290 marks to get admission to any one of the branches/campuses. All the best for your admission and a bright future!

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Ans: Aditya Sir, With a JEE Main CRL of 17,171 (98.89 percentile) and 82% in Class 12, your son can target ECE at mid-tier NITs like NIT Silchar (ECE cutoff ~17,300), NIT Durgapur (~18,800), NIT Patna (~20,300), or NIT Raipur (~21,300), which offer strong academic reputations and research infrastructure. For CSE/IT, consider newer IIITs such as IIIT Lucknow (IT cutoff ~15,274), IIIT Pune (CSE ~13,000), IIITDM Kancheepuram (AI ~18,702), or IIIT Bhagalpur (CSE ~32,560), which focus on specialized domains like AI and data science. For research-oriented paths, explore integrated M.Tech programs at IIIT Allahabad (closing rank ~9,323) which combines UG studies with advanced research opportunities. While direct CSE admission in top NITs is unlikely, prioritize ECE at NITs for institutional reputation or opt for IIITs for niche CSE specializations. Encourage early engagement in research internships and projects to align with long-term academic goals, and consider lateral entry/GATE for future specialization. All the best for your son's admission and a bright future!

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Ans: Gagan, Taking a partial drop (preparing for JEE while attending college) is possible but challenging. Students often join engineering colleges via state quotas or management seats (e.g., AP/TS EAPCET Category-B) to secure admission with lower board scores (64% is sufficient for many private colleges). However, balancing college academics (attendance, assignments) with JEE prep requires strict time management and discipline. For instance, students in integrated programs (e.g., Resonance, Sri Chaitanya) combine 12th boards with JEE coaching, but this model is harder to replicate in college. Alternatives include lateral entry after a diploma or targeting colleges with flexible attendance policies. While partial drops are mentally taxing, they allow backup options if JEE isn’t cleared. Prioritize colleges with lighter academic loads or online/distance programs to focus on JEE. Note that NITs/IIITs require 75% boards (65% for reserved categories), so improving board scores via compartment exams may help future attempts. Recommendation: If confident in multitasking, opt for a partial drop; otherwise, focus on college and switch branches later via GATE or state exams. All the best for your admission and a bright future!

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Ans: Gagan, Taking a partial drop (preparing for JEE while attending college) is possible but challenging. Students often join engineering colleges via state quotas or management seats (e.g., AP/TS EAPCET Category-B) to secure admission with lower board scores (64% is sufficient for many private colleges). However, balancing college academics (attendance, assignments) with JEE prep requires strict time management and discipline. For instance, students in integrated programs (e.g., Resonance, Sri Chaitanya) combine 12th boards with JEE coaching, but this model is harder to replicate in college. Alternatives include lateral entry after a diploma or targeting colleges with flexible attendance policies. While partial drops are mentally taxing, they allow backup options if JEE isn’t cleared. Prioritize colleges with lighter academic loads or online/distance programs to focus on JEE. Note that NITs/IIITs require 75% boards (65% for reserved categories), so improving board scores via compartment exams may help future attempts. Recommendation: If confident in multitasking, opt for a partial drop; otherwise, focus on college and switch branches later via GATE or state exams. All the best for your admission and a bright future!

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Ans: Deepa, SNU Chennai is a promising choice for students seeking a modern, research-driven CSE education with a focus on IoT and cybersecurity. While placements are still evolving, its industry connections and foundation backing provide a solid foundation. All the best for your admission and a bright future!

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Ans: Adit, With a JEE Main 92 percentile (~1.2 lakh rank), VITEEE 28k rank, and 81% boards, target affordable colleges with 10+ LPA placements like Jadavpur University (govt.-subsidized fees, ~INR 10k/year, 10–12 LPA avg. for CSE/ECE) and NITs (Agartala, Meghalaya, Raipur) for Mechanical/Civil Engineering (fees: INR 5–7L total, 6–8 LPA avg., top roles up to 10+ LPA). IIIT Bhagalpur/Lucknow (fees: INR 4–6L total) offer IT/ECE with rising placement averages (8–12 LPA). For private options, Manipal Institute (ECE/Mechanical, fees: INR 13L total, 11.76 LPA avg.) and Thapar University (non-CSE, fees: INR 15–18L total, 8–10 LPA avg.) are viable. Prioritize state quotas (e.g., WBJEE) or lateral entry to upgrade branches. While 10+ LPA averages are challenging, focus on IT/ECE roles in IIITs or core sectors in NITs for better prospects. Scholarships (e.g., Manipal for 80%+ boards) can reduce costs. All the best for your admission and a bright future!

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Ans: Rounak Sir, With 92.4% in 12th and 85 percentile in JEE Main, your child can target several reputable institutes through JoSAA counselling, mainly in non-core branches or at newer NITs and IIITs. Likely options include NIT Raipur, NIT Agartala, NIT Meghalaya, NIT Goa, NIT Puducherry, NIT Hamirpur, NIT Jalandhar, and NIT Durgapur for branches such as Electrical, Mechanical, Civil, Chemical, and Bioengineering. Some IIITs like IIIT Allahabad and IIITM Gwalior may offer seats in less competitive branches. Admission chances improve for reserved categories. Additionally, consider private universities like KIIT, LPU, Thapar, SRM, Amity, Chitkara, BIT Ranchi etc. as backup options. Apply to multiple colleges and keep an eye on spot rounds to maximize opportunities. All the best for your child's admission and a bright future!

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Ans: A student with a JEE Main B.Arch rank of 9,925 and CBSE Class 12 scores of 71% (PCM: 186/300) may still qualify for JoSAA counselling if their aggregate meets the 75% threshold (General category) or falls within the top 20 CBSE percentile. By replacing a low-scoring subject with a sixth subject (e.g., scoring 232/300), the aggregate could rise to ~77.3%, satisfying the eligibility criteria. For reserved categories (SC/ST/OBC), the requirement is 65%. If the recalculated aggregate remains below 75%, eligibility hinges on the CBSE board’s top 20 percentile cutoff for their category. The student’s JEE Main rank is competitive for NITs like NIT Raipur or NIT Hamirpur (2024 closing ranks: ~5,000–10,000). To proceed, verify the CBSE’s calculation of the best five subjects (including PCM) and confirm percentile status. If eligible, register on the JoSAA portal during the counselling window. Strategic subject substitution and percentile validation are critical to securing admission. All the best for your son's admission and a bright future!

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Ans: Sai Sir, While JEE Main/EAPCET scores limit options for top-tier colleges, your son’s 99.4% in Class 12 and strategic targeting of management quotas, private universities, or lateral entry can secure him a seat in Cyber Security or ECE. Focus on colleges with flexible admission criteria and leverage his academic strength in board exams. All the best for your son's admission and a bright future!

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