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Ramalingam Kalirajan |11152 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

Money

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?

Ans: Pension from where ?

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Question by Camilo - Nov 12, 2023Hindi

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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 |11152 Answers |Ask -Follow

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

Asked by Anonymous - Dec 27, 2023Hindi

Money

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.

Latest Questions

Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Asked by Anonymous - Apr 23, 2026Hindi

Career

Hello sir My son gets 35210 rank in mains, resident of Maharashtra, looking for CSE/ECS/EE What are possibilities Please guide on IIITs like Surat, vadodara, nagpur and Bhopal

Ans: At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

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At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

At CRL 35,210, General male, Maharashtra, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

For your target IIITs:
IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds.
IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus.
IIIT Nagpur – ECE/EE-related branches possible; CSE tougher.
IIIT Bhopal – CSE tough but ECE/IT-related options possible.

Also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Backup: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag.

For your son's rank, CSE in top NITs is difficult, but strong chances exist for CSE/ECE in several IIITs and ECE/EE in some NITs/GFTIs. JoSAA confirms Open-seat cut-offs are based on CRL rank.

You can try for IIIT Surat – CSE is borderline/tough, but ECE is realistic. In 2025, IIIT Surat ECE closed around 31k–33k+, while CSE was around 24k–26k in regular rounds. IIIT Vadodara / IIIT-Vadodara International Campus Diu – better chances for CSE/ECE, especially Diu campus. IIIT Nagpur – ECE/EE-related branches possible; CSE tougher. IIIT Bhopal – CSE tough but ECE/IT-related options possible. You can also try VNIT Nagpur (EE/Mechanical), MANIT Bhopal, SVNIT Surat, NIT Raipur, NIT Jalandhar for ECE/EE/lower CSE-allied branches. Have the following backups: CSAB, MHT-CET CAP counselling, COEP/VJTI/SPIT/PICT, and good private colleges. Prioritise branch interest over only institute tag. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

My son jee mains 30000 rank General category me kya koi NIIT or IIIT CSE or ECE , Milsakta hai ? Kindly Advise

Ans: You have not mentioned your son's home state. Given his rank, securing a CSE seat in NITs may be challenging, but admission to ECE in some NITs and CSE/IT/ECE in several IIITs is more realistic, especially during the later JoSAA and CSAB rounds. Consider applying to IIIT Una, IIIT Kottayam, IIIT Dharwad, IIIT Kalyani, IIIT Bhagalpur, IIIT Raichur, IIIT Manipur, and IIIT Agartala. For ECE, newer and mid-tier NITs and IIITs are good options. The CSAB special rounds are crucial as they fill vacant seats after JoSAA. It is also important for your son to have backup options through GFTIs, state counseling, and reputable private CSE colleges. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Question by kaivalya - Apr 24, 2026Hindi

Career

ihave got 92.67 in jee 2026. what is the option now

Ans: Please mention your Home State, Gender, and Category to answer precisely. Also, clarify what other Entrance Exams you have appeared for/yet to appear.

Radheshyam Zanwar |6982 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Question by Aryan - Apr 24, 2026Hindi

Career

My son got 170000 rank in jee main...nd my son want cse branch...is it possible in any good nd reputed government college?

Ans: Admission to top NITS/IIITs seems unlikely. You can try lower-ranked govt colleges/IIITs or state colleges for CSE, or consider other branches in NITs via CSAB.

Good luck.
Follow me if you receive this reply.
Radheshyam

Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Question by sreenivasulu - Apr 23, 2026Hindi

Career

My daughter got jee mains 89.28 percentile /ews.in which colleges she will get admission

Ans: You have not mentioned your daughter's home state. Anyway, please note, with an 89.28 percentile as an EWS female candidate, the chances of securing a CSE seat in top NITs or IIITs are low. However, she may have opportunities in lower-ranked branches at newer NITs, some IIITs, and GFTIs, with better prospects during the CSAB special rounds. You can consider applying to IIIT Kurnool, IIIT Manipur, IIIT Dharwad, IIIT Raichur, IIIT Bhagalpur, IIIT Kalyani, and various GFTIs. While CSE and ECE seats may be challenging to obtain, other branches might become available in later rounds or through CSAB. It is advisable to also explore backup options through state counseling and reputable private universities. ALL the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Asked by Anonymous - Apr 23, 2026Hindi

Career

Dear sir, Im based at chandigarh.My daughter got rank 99510 general in jee 2026,chandigarh home state. Is there any chance of getting admission in chandigarh or near Chandigarh, Mumbai, hyderabad.cs,ece for Btech

Ans: You can try PEC Chandigarh through JAC Chandigarh separately, not JoSAA. Through JoSAA/CSAB, fill IIIT Una, IIIT Sonepat, IIIT Kalyani, IIIT Bhagalpur, IIIT Manipur, IIIT Raichur, IIIT Dharwad, but CSE/ECE may mostly depend on CSAB vacancy movement. You must have backup options of JAC Chandigarh, HSTES Haryana, Punjab colleges, IPU Delhi, Private Universities, and State counselling. Prioritise branch interest + placement record, not only institute tag. ALL the BEST for Your Daughter's Prosperous Future!

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Radheshyam Zanwar |6982 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 24, 2026

Question by Jyotsna - Apr 24, 2026Hindi

Career

Hello Sir, my daughter got 50564 rank in JEE mains 2026, in General category. Any chances in any of the NIT's in South India? Why beaches can she apply to?

Ans: Chances with South NITs are slim. You may try for lower branches in lower NITs. Yet the chances are on the borderline. Better to keep an alternative option open.

Good luck.
Follow me if you receive this reply.
Radheshyam

Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Asked by Anonymous - Apr 23, 2026Hindi

Career

My son got 98.2 percentile in JEE mains and rank of 28550, has domicile of UP. Which all places he is likely to get good branch like CSE?

Ans: At CRL 28,550, NIT CSE is difficult, including MNNIT Allahabad CSE. Better CSE chances are in IIITs, especially IIIT Bhagalpur, IIIT Kalyani, IIIT Agartala, IIIT Raichur, IIIT Dharwad, IIIT Manipur, IIIT Kottayam, IIIT Una/Sonepat in later rounds or CSAB. Some 2024 IIIT CSE closing ranks crossed 30k–37k. Also fill ECE/IT/AI-related branches in better IIITs and lower NIT branches. Have CSAB as a backup option. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Asked by Anonymous - Apr 23, 2026Hindi

Career

Hi Sir, My Son has score 98.4 percentile in JEE Mains 2026 and CRL is 25624. We are General Category, Gender-Neutral and Home state is Telangana. He is more interest in Mechanical Stream for the b.Tech. Can you please advise best possible college options for him?

Ans: At CRL 25,624, General male, Telangana HS, Mechanical is a realistic target. NIT Warangal Mechanical may be difficult in regular JoSAA, as recent HS Open Mechanical closing ranks were around 15k–17k in early 2025 rounds and around 15k in 2024 Round 1. Better Mechanical options: NIT Calicut, NIT Rourkela, NIT Durgapur, NIT Patna, NIT Raipur, MANIT Bhopal, VNIT Nagpur, NIT Jalandhar, NIT Silchar, plus CSAB round. Also consider NIT Warangal Metallurgy/Chemical/Civil. dditionally, please review the JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand admission trends. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11084 Answers |Ask -Follow

Career Counsellor - Answered on Apr 24, 2026

Question by Dinesh - Apr 23, 2026Hindi

Career

Mere bete ka IIT jii main maine 85 percetile hai, 12th pass sikar se kiya hai. Home town UP main hai, category General hai 12th marks 85 percentage hai. AI, cse, kaha par batter chance hain, abhi delhi main hai. Aur kya kar sakta hai .pl advise

Ans: Dinesh Sir, CSAB Special Rounds try karo, GFTIs/newer institutes mein lower branches, aur private/state options. Sikar se padha hai to confirm karo ki Home State eligibility Rajasthan school state follow karega ya UP hometown. JoSAA & CSAB pe sirf depend mat karo, ye backups rakho: AKTU/UP counselling, REAP Rajasthan, IPU Delhi, BCA/B.Sc IT, Private CSE/AI colleges. ALL the BEST for Your Son's 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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