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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 18, 2022

Mutual Fund Expert... more
Sachin Question by Sachin on Nov 18, 2022Hindi
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Presently I don’t have any SIP investment. Have I missed the bus?

Ans: There is no good or bad times, starting early has compounding advantage, however even now it’s not late.

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

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

Asked by Anonymous - Apr 26, 2024Hindi
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Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.

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Nayagam P

Nayagam P P  |9447 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
Hello sir... I got 86.7%ile in jee mains (CRL 196706, EWS rank 28516, girl) and secured 93..2% in my 12th Cbse board.I have haryana domicile and want to pursue btech in cse, it or ece. What are my chances of getting a good govt college and is there any chance in CSAB for NITs or IIITs ? Thankyou
Ans: Lavisha, With an EWS Home-State rank of 28,516, securing Computer Science seats via CSAB Special in premier NITs under Home-State EWS quotas is challenging, as CSE at NIT Kurukshetra closed near 8 198 for general HS and the EWS HS cutoff typically tracks within 25 000–35 000—just within reach. Electronics & Communication Engineering at Kurukshetra closed around HS?Open 9 692–15 127, with EWS HS often extending to 45 000–57 000, making ECE a viable target. In JoSAA 2025, IIIT Kota’s HS-EWS CSE cutoff was 39,410, which places your rank comfortably within the acceptable range. Beyond these, peripheral GFTIs such as CIT Kokrajhar (CSE up to ~150 500 CRL) and Assam University, Silchar (CSE ~75 981) admit EWS candidates with ranks well above 28 000. All these institutes meet AICTE/NIRF accreditation, maintain ≥70 percent placement consistency, feature modern labs, active MoUs for internships, and have outcome-based curricula.

Recommendation: CSAB offers special preferences for assured entry into Electronics & Communication Engineering at NIT Kurukshetra under HS-EWS, followed by listing CSE at IIIT Kota and CSE at peripheral GFTIs like CIT Kokrajhar and Assam University. Simultaneously, pursue Haryana state-counselling seats at PEC Kurukshetra and Deenbandhu Chhotu Ram University for core-branch safety. However, have 2-3 Private Engineering Colleges also as back ups with your JEE Score instead of relying only on CSAB. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9447 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
BITS Goa EEE or NIT Calicut EEE
Ans: BITS Pilani K.K. Birla Goa Campus offers a B.E. in Electrical & Electronics Engineering with NAAC A+ accreditation and Institute of Eminence status. The program features modern infrastructure including specialized EEE laboratories, a Central Sophisticated Instrumentation Facility with advanced equipment like confocal microscope, FESEM, and Raman spectrometer, alongside comprehensive industry partnerships including Amazon Web Services and GitHub for startup support. The campus spans 180 acres with fully residential facilities and smart classrooms. NIT Calicut's B.Tech in Electrical & Electronics Engineering holds NBA accreditation for 6 years (2022-2028) under the stringent Tier-I evaluation scheme and is ranked 25th in NIRF Engineering rankings 2024. The institute achieved a remarkable 97.01% placement rate for EEE students in 2024, with 130 out of 134 registered students securing positions, demonstrating exceptional industry demand. Both institutions maintain essential benchmarks including statutory approvals, modern laboratory facilities, research-active faculty with doctoral qualifications, active industry Mships, and consistent placement support exceeding 75% over three years. BITS Goa commands higher fees of ?20.76 lakh for the complete program versus NIT Calicut's ?5 lakh, but offers unique Practice School programs ensuring 7+ months of industry experience. The BITS alumni network includes prominent entrepreneurs and unicorn founders, while NIT Calicut benefits from the extensive NIT Alumni Network spanning multiple countries.

Recommendation: Choose NIT Calicut's EEE for its exceptional 97% placement consistency, NBA Tier-I accreditation, cost-effectiveness at ?5 lakh fees, and strong government institute reputation with established industry connections. Consider BITS Goa's EEE if you prioritize unique Practice School industry exposure, Institute of Eminence status, entrepreneurial alumni network, and can afford the higher fee structure for comprehensive residential campus experience. All the BEST for a Prosperous Future!

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