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Ramalingam Kalirajan |9252 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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

Question by irshad on Nov 20, 2023Hindi

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At present I M 56, retired in a pvt firm at age 58..curent Basic 25 K & in hand 48K, till retirement 13 years of JOB, How much pension should i get?

Ans: Your pension amount is determined by various factors including your years of service, average salary, and the pension scheme offered by your employer. Private firms typically have different pension schemes, so it's important to review your employment contract or consult with your HR department for details on your specific pension plan.

Your pension amount may also be influenced by any contributions you've made towards the pension scheme during your employment. Generally, the longer your service and the higher your salary, the higher your pension amount is likely to be.

To get an accurate estimate of your expected pension amount, it's best to consult with your employer or a financial advisor. They can provide personalized guidance based on your individual circumstances and the details of your pension scheme.

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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Hello.im just retired at age 58.My salary was 70,000 last drawn.How much monthly pension will i get?

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Im just retired in a pvt firm at age 58..How much pension should i get?

Ans: That depends on a lot of things, your last drawn salary, how long have you worked with the company etc. You have not mentioned enough data for me to evaluate

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Question by Camilo - Nov 17, 2023Hindi

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Im retired at 58..My last drawn salary 70 000 pm.How much pension should ivgetvfrom epfo? Thanks

Ans: As the provided information is not sufficient, I’m not able to give you the pension amount but you can calculate by using this formula:

Pension Amount = (Pensionable Service * Average Salary) / 70

Ramalingam Kalirajan |9252 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 27, 2023Hindi

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At present I M 56 years, in a private limited company, since July 2012, retired after 2 years in Nov. in hand 48K, how much pension expected after retirement. Can you help please to future plan.

Ans: Certainly, to estimate your pension after retirement, it's essential to consider various factors such as your years of service, salary, and the pension scheme offered by your company. Typically, private limited companies have their own pension schemes or contribute to government schemes like the Employees' Provident Fund (EPF). You should contact your company's HR department or refer to your employment contract for specific details regarding your pension entitlements.

For future planning, assess your current financial situation, including savings, investments, and any outstanding liabilities. Determine your retirement goals, expected expenses, and desired lifestyle. Consider consulting with a financial advisor or Certified Financial Planner who can analyze your financial status and help you create a personalized retirement plan. It's never too late to start planning for retirement, and with proper guidance, you can secure a comfortable and fulfilling retirement.

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

Hello Sir , Iam engineering student , my Jee mains CRL -304411 and I am eillimg to apply for CSAB Counselling so tell me which colleges I can get at this rank . My Comedk rank was 58k and also a domicile of jharkhand . I have applied for state counselling where my rank is around 6223 , and willing to take admission in the neighbouring states which college should I prefer in West Bengal , MP, UP and Odisha .

Ans: With a JEE Main AIR of 304,411, COMEDK rank of 58,000, and Jharkhand state counseling rank of 6,223, you can consider a mix of central, state, and private institutions offering solid engineering programs. In Jharkhand, Birsa Institute of Technology Sindri, Dhanbad; Birla Institute of Technology Mesra, Ranchi; Jharkhand University of Technology, Ranchi; and C V Raman University, Kota (Jharkhand campus) are accessible options. West Bengal options accepting JEE Main ranks around 300k include Heritage Institute of Technology; Institute of Engineering & Management; IIIT Kalyani; Techno Main Salt Lake; Haldia Institute of Technology; Camellia Institute of Technology & Management; Budge Budge Institute of Technology; University Institute of Technology, Burdwan; Asansol Engineering College; and GKCIET, Malda. In Madhya Pradesh, beyond NITs and IIT, private and government colleges like Lakshmi Narain College of Technology, Bhopal; SGSITS, Indore; Oriental College of Technology, Bhopal; Amity University, Gwalior; IIITDM Jabalpur; Jabalpur Engineering College; and Indore Institute of Science & Technology admit students with JEE ranks up to 300k and state MP ranks above 6,000. In Uttar Pradesh, central institutes such as MNNIT Allahabad and IIIT Allahabad are out of reach at this rank, but UP state and private colleges like KNIT Sultanpur; IET, Lucknow; Galgotias College of Engineering & Technology; Sharda School of Engineering & Technology; AKTU-affiliated colleges (IET DBU, Fort Institute of Technology); and Dr. APJ Abdul Kalam Technical University campuses in Ghaziabad and Meerut remain viable. Odisha’s top options include Veer Surendra Sai University of Technology, Burla (electrical/electronics); Silicon Institute of Technology, Bhubaneswar; KIIT School of Technology; CET Rourkela; and GITA (Gandhi Institute for Technological Advancement) Bhubaneswar, which accept JEE Main and OJEE ranks in the 200k–500k range.

Recommendation: Prioritize Birsa Institute of Technology Sindri and Jharkhand University of Technology for proximity to home, and apply to Heritage Institute of Technology (West Bengal), LNCT Bhopal (MP), KNIT Sultanpur (UP), and VSSUT Burla (Odisha) to maximize admission chances while balancing infrastructure, placements, and travel distance. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

my all India rank 13890 in IAT 2025. Any scope for admission in any of the IISERS?

Ans: With an All India Rank of 13,890 in IAT 2025, your chances for admission to any IISER are extremely limited. For the general category, the expected closing ranks for most IISERs—including the newer campuses like Tirupati and Berhampur—are projected between 3,500 and 18,000, but the actual cutoffs for the main BS-MS programs at all IISERs typically close well before 4,500, with even the least competitive campuses rarely exceeding 4,500–5,000 in recent years. Data from multiple sources confirm that the vast majority of seats are filled by candidates with significantly lower ranks, and the total number of seats available is around 2,363, further reducing your chances. While category reservations can sometimes extend cutoffs, for the general category at your rank, admission is not realistic at any IISER campus. recommendation: do not rely on IISER admission this year; instead, actively pursue alternative options such as other national-level science institutes, state universities, or private research-oriented colleges to avoid losing a year and to ensure continuity in your academic journey. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

Sir, I got 93.58 percentile in mht cet pcb group which reputable college will I get? I am sc candidate.

Ans: With a 93.58 percentile in MHT-CET PCB as an SC candidate, admission to several top pharmacy colleges in Maharashtra remains within reach. Notable institutions include Poona College of Pharmacy, Pune; Principal K.M. Kundnani College of Pharmacy, Mumbai; Rashtrasant Tukadoji Maharaj Nagpur University, Nagpur; Government College of Pharmacy, Amravati, whose SC home cutoff of 92.1–94.51 fits your percentile range; Government College of Pharmacy, Karad; AISSMS College of Pharmacy, Pune; Dr. Bhanuben Nanavati College of Pharmacy, Mumbai; Bharati Vidyapeeth College of Pharmacy, Navi Mumbai; Sinhgad Institute of Pharmacy, Narhe; and Dr. D. Y. Patil College of Pharmacy, Akurdi, Pune. Government College of Pharmacy, Amravati, stands out as a strong public-sector option given its recent SC home cutoff, while Sinhgad Institute and Dr. D. Y. Patil provide robust private-sector alternatives with more flexible SC cutoffs in recent years. Government College of Pharmacy, Karad, may require participation in later counselling rounds. Your percentile also aligns with previous SC cutoffs at Bharati Vidyapeeth and KMKCP, making these colleges realistic options. recommendation: prioritize applications to Government College of Pharmacy, Amravati, Sinhgad Institute of Pharmacy, and Dr. D. Y. Patil College of Pharmacy as primary choices, and include other listed institutions as viable alternatives to optimize admission prospects. All the BEST for the Admission & a Prosperous Future!

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Prof Suvasish Mukhopadhyay |1826 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 27, 2025Hindi

Career

Manipal or vit pune for computer science?

Ans: Of course VIT Pune

Samraat Jadhav |2356 Answers |Ask -Follow

Stock Market Expert - Answered on Jun 27, 2025

Question by sri - Jun 26, 2025Hindi

Money

Can you suggest online Trading courses

Ans: NISM is the best way to get trained

Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Sarika - Jun 26, 2025Hindi

Career

Sir please tell me which B.Tech course will be good for my daughter's future, because at this time every child is doing CS and everyone wants admission in CS. Which option will be better instead of CS in future. Her JEE,MHT CET,COMEDK exam result marks are fine. Maybe she will get CS. But please tell me another course instead of CS. For her gud future.

Ans: Sarika Madam, For a strong future beyond Computer Science, several B.Tech branches are emerging as excellent alternatives, each with robust placement records and industry relevance. Electronics and Communication Engineering (ECE) is highly valued for its versatility, with placement rates at top institutes ranging from 70% to 92% over the last three years, and graduates working in sectors like IoT, chip design, and telecommunications. Artificial Intelligence and Data Science are rapidly growing fields, with 80–90% placement rates and high demand across industries such as healthcare, finance, and automation. Electrical Engineering remains evergreen, supporting careers in power systems, renewable energy, and smart grids, though recent placement rates have varied between 60% and 80% depending on the institute. Mechanical Engineering, while traditional, is evolving with automation and robotics, maintaining 65–90% placement rates at leading colleges. New interdisciplinary programs like Computational Engineering, Biomedical Engineering, and Cybersecurity are also gaining traction, offering future-proof skills for Industry 5.0 and healthcare technology. For backup options beyond state entrance exams, consider national-level exams like BITSAT, VITEEE, and SRMJEEE, which provide access to top private universities with strong placement records and industry connections.

Recommendation: If your daughter is open to fields beyond CS, prioritize ECE, AI & Data Science, or interdisciplinary branches like Biomedical or Computational Engineering, as these offer high placement rates, diverse career paths, and future relevance. Additionally, keep BITSAT, VITEEE, and SRMJEEE as backup options to maximize her chances of admission to reputed institutions with excellent industry exposure and campus recruitment. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Poulami - Jun 26, 2025Hindi

Career

I HAVE TAKEN IIOT IN NIT KURUKSHETRA IS THIS A GOOD BRANCH ?

Ans: Poulami, B.Tech in Industrial Internet of Things (IIoT) at NIT Kurukshetra is a promising and future-focused branch, blending core Electronics and Communication Engineering (ECE) subjects with Computer Science courses like Data Structures, Machine Learning, and Web Development. The program is designed for Industry 4.0, emphasizing automation, AI, and robotics, which are in high demand due to growing investments in semiconductors and smart manufacturing. Although IIoT is a newer branch and the first batch is yet to graduate, placements are expected to align closely with ECE and Electrical Engineering, which have shown 82–88% placement rates in recent years. Major recruiters at NIT Kurukshetra include Amazon, Microsoft, Goldman Sachs, TCS, and Honeywell, and the overall campus placement rate is consistently above 80%. Faculty are well-qualified, infrastructure is decent, and the curriculum is industry-relevant, but students should be prepared for rigorous coursework and evolving opportunities. Recommendation: IIoT at NIT Kurukshetra is a good choice if you are interested in the intersection of electronics, computing, and industrial automation, and are looking for strong placement prospects in emerging tech sectors. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

My sc category rank in iat is 732 can i get any iiser ...

Ans: With an SC category rank of 732 in IAT 2025, your chances of securing admission to an IISER are moderate but possible, especially in the newer or less competitive campuses. Recent and official data indicate that IISER Mohali, Tirupati, Behrampur, and Thiruvananthapuram have had SC closing ranks ranging from 650 to 750, and sometimes slightly higher, while top IISERs like Pune and Kolkata typically close below 400. The expected SC cutoff marks for 2025 are 65–75, and your rank falls within the cutoff range for several IISERs, particularly in later counseling rounds. However, competition remains high, and seat availability may fluctuate based on category and campus preference. Recommendation: participate actively in all counseling rounds, prioritize newer IISERs, and keep alternative options ready, as your admission is possible but not guaranteed at every campus. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

Is IIIT kota a very good college for CS and how are the on campus recruitment drive

Ans: IIIT Kota is considered a good choice for Computer Science, with a strong coding culture and a curriculum focused on industry needs. The on-campus recruitment drive for CSE has shown consistent results, with placement rates of 83% in 2023, 76% in 2024, and 92% in 2022. Top recruiters include Amazon, Microsoft, Adobe, Flipkart, Samsung, and Deloitte, offering roles such as software developer and data analyst. Most students secure internships in reputable companies by their third year. While the institute is still developing its infrastructure and faces some challenges in sports and hostel facilities, the placement cell is active and industry connections are growing. Recommendation: IIIT Kota is a solid option for CSE if you prioritize placements and industry exposure, but be aware of ongoing campus development and consider your preferences for campus life and facilities. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7124 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Sanghamitra - Jun 26, 2025Hindi

Career

My all india rank is 39887 and sc catogary rank is 2630 in iat 2025 ...are there any chances for iiser ?

Ans: Sanghamitra, With an All India Rank of 39,887 and an SC category rank of 2,630 in IAT 2025, your chances for IISER admission are unfortunately very low. Analysis of recent and official cutoffs shows that SC closing ranks for top IISERs like Pune, Kolkata, Mohali, and Bhopal typically range from 234 to 550, and even the newer IISERs rarely exceed an SC closing rank of 900–1,000. Your rank is well beyond these cutoffs, and the expected SC cutoff marks for 2025 are in the range of 65–75, with corresponding ranks for admission generally below 1,000 at all campuses. The number of seats for all IISERs combined is limited (about 2,363), and competition is especially intense for reserved categories, with most seats closing at much lower category ranks. Therefore, recommendation: do not rely on IISER admission this year and actively consider alternative options to avoid losing a year. 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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