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Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 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
Asked by Anonymous - Jun 16, 2023Hindi
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Hi Sir, Can you please provide your views on these mutual funds in terms of continuing the SIP ( Rs 3000 each), holding it or switching to alternate ones. I have a horizon of 7-10+ years and my age is 48. AXIS BLUECHIP FUND, PARAG PARIKH FLEXI CAP FUND, HDFC FLEXICAP FUND, SUNDARAM LARGE AND MID CAP FUND, HDFC SMALL CAP FUND, HDFC MID-CAP OPPORTUNITIES FUND, EDELWEISS BANKING AND PSU DEBT FUND, HDFC TOP 100 FUND, UTI VALUE OPPORTUNITIES FUND, KOTAK SMALL CAP FUND, ICICI Prudential Nifty 50 Index Fund - All MFs are with growth option

Ans: Evaluating Mutual Fund SIP Portfolio: Recommendations for Continued Investment
Your current mutual fund SIP portfolio demonstrates a well-diversified approach, catering to your long-term investment horizon. Let's assess each fund's performance and potential for the future, considering your age, investment horizon, and financial goals.

Axis Bluechip Fund

This fund focuses on large-cap companies, providing stability and growth potential.
Its consistent performance and adherence to quality stocks make it suitable for continued investment.
Parag Parikh Flexi Cap Fund

Known for its diversified portfolio across market caps and sectors, offering flexibility.
Its strong track record and prudent management suggest it's worth holding for the long term.
HDFC FlexiCap Fund

A versatile fund with the flexibility to adapt to changing market conditions.
Its robust performance history and well-managed portfolio make it suitable for continued investment.
Sundaram Large and Mid Cap Fund

This fund aims to capitalize on opportunities across large and mid-cap segments.
While it has delivered decent returns, investors may consider monitoring its performance closely due to its relatively shorter track record.
HDFC Small Cap Fund

Investing in small-cap companies with high growth potential but increased volatility.
Given your horizon, consider holding for its growth prospects but monitor its performance regularly.
HDFC Mid-Cap Opportunities Fund

Focused on mid-cap companies with potential for significant growth over the long term.
Considering your horizon, it's advisable to continue with SIPs but monitor its performance diligently.
Edelweiss Banking and PSU Debt Fund

A debt fund offering stability and regular income, suitable for diversification.
Given your equity-heavy portfolio, holding this fund can provide stability and balance.
HDFC Top 100 Fund

Invests in top 100 companies, offering stability and growth potential.
Its consistent performance and adherence to quality stocks make it a suitable long-term investment option.
UTI Value Opportunities Fund

Invests in undervalued stocks with growth potential, suitable for long-term investors.
Its contrarian approach can add value to your portfolio over time, making it worth continuing SIPs.
Kotak Small Cap Fund

Focused on small-cap companies with high growth potential but increased risk.
Given your horizon, consider continuing SIPs but monitor its performance closely due to volatility.
ICICI Prudential Nifty 50 Index Fund

Tracks the Nifty 50 index, offering diversification across top Indian companies.
While index funds provide stability, actively managed funds may offer potential for higher returns over the long term.
Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.

Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.

Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.

Conclusion:
Your current SIP portfolio exhibits a well-thought-out mix of equity and debt funds, aligning with your long-term financial objectives. While most funds are suitable for continued investment, it's essential to monitor their performance regularly and make adjustments if necessary. Consider consulting a Certified Financial Planner for personalized advice tailored to your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Question by ASHOK GUGGARI I am 60. I have been reading your replies on Rediff.com and getting a lot of information from them for investment in mutual funds. I need your precious opinion on the following mutual funds in my MF portfolio. Recently, I have started SIPs in SBI contra & small cap fund growth of Rs 5,000 per month in each. And iam having SIP in ICICI prudential india oprtunity and large and mid cap fund Rs 6000 in each. In icici prudential flexi fund invested Rs 13,00,000 one and half year back. Kindly advice whether to change or continue.. Ashok Guggari
Ans: Dear Ashok,

It's wonderful to hear that you've found valuable information in the responses provided. When it comes to managing your MF portfolio, it's essential to regularly review your investments to ensure they align with your financial goals and risk tolerance. Consider factors such as fund performance, investment strategy, and your own investment objectives.

Reflect on whether the funds you've chosen are still suitable for your current circumstances and long-term goals. Are they performing as expected, or are there better alternatives available? Remember, staying informed and proactive is key to optimizing your investment journey.

As you navigate your investment decisions, always keep your financial well-being at the forefront. Seeking guidance from a Certified Financial Planner can offer personalized insights tailored to your specific needs and aspirations.

Wishing you continued success on your investment journey!

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

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

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Hi, I am have SIP in these mutual funds. I have a horizon of 5-8+ years and my current age is 48. All these are growth options. Can you please provide your views on these mutual funds Nippon small cap 3,000, SBI Contra 2,000, Parag Parikh Flex 9,000, HDFC Small cap 3,000, ICICI Pru Nifty 50 3,000, Kotak emerging eq 3,000
Ans: Thank you for sharing your mutual fund investments and goals. With a horizon of 5-8+ years, let's assess your portfolio.

Asset Allocation
Your portfolio shows a mix of small-cap, flexi-cap, and thematic funds. This is a good start for diversification.

Small-Cap Funds
Small-cap funds can offer high returns but come with high risk. With 5-8+ years, you can handle volatility. But, monitor performance regularly.

Flexi-Cap Funds
Flexi-cap funds invest across market caps, offering flexibility and stability. They balance risk and reward well, which is beneficial for your goal.

Thematic and Contra Funds
These funds invest based on specific themes or contrarian views. They can outperform in certain market conditions. However, they require careful monitoring.

Index Funds
Index funds track market indices and have lower expense ratios. However, they may underperform actively managed funds in volatile markets.

Actively Managed Funds
Actively managed funds can outperform the market through skilled fund management. They provide better opportunities in fluctuating markets.

Diversification
Your portfolio is well-diversified across different fund categories. Diversification reduces risk and increases the potential for returns.

Time Horizon
With 5-8+ years, your investments have time to recover from market dips. This horizon supports your exposure to high-risk, high-reward funds.

Regular Monitoring
Regularly monitor your funds' performance. Adjust your portfolio based on market conditions and personal financial goals.

Financial Planning
Consulting with a Certified Financial Planner can provide tailored advice. They can help optimize your portfolio for your specific needs.

Conclusion
Your portfolio is diverse and aligned with your time horizon. Keep monitoring and consider consulting a Certified Financial Planner for tailored advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 16, 2025

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Sir, I am 27 yr and have started a SIP of total 1000 Rs. per month for the below Mutual Funds since November 2023. I have now (Jan.25) increase them 1000 Rs. per month and will step up 10%. I am looking forward to invest in it for a period of 10-20 years. Am I going the right way and whether my mutual fund selection for SIP is good or not? I need your guidance and instructions on it please. 1) HDFC index Fund-Nifty 50 plan. 2) ICICI prudential Nifty 50 index fund- growth. 3) Nippon India Small Cap Fund 4) Axis Bluechip fund- Large Cap Fund. Request for your reply sir Thanks
Ans: Your initiative to start SIPs at the age of 27 is impressive. Investing early ensures you benefit from the power of compounding. Here's a detailed evaluation and guidance for your current SIP portfolio.

1. Analysis of Current Fund Selection
1.1 HDFC Index Fund - Nifty 50 Plan and ICICI Prudential Nifty 50 Index Fund

These are passively managed funds that replicate the Nifty 50 index.
They have low expense ratios, which reduces costs.
However, index funds may not deliver superior returns in all market conditions.
Actively managed funds often outperform in India’s inefficient markets.
Having two index funds in the same category leads to duplication.
Recommendation:

Retain one index fund if you prefer low-cost, predictable returns.
Replace the second with an actively managed large-cap or flexi-cap fund.
1.2 Nippon India Small Cap Fund

Small-cap funds carry high risk but also offer high growth potential.
Suitable for long-term goals if you can handle market volatility.
Ensure you diversify across other fund categories to reduce risk.
Recommendation:

Continue investing but cap exposure to small caps at 15%-20% of your portfolio.
Review performance periodically to ensure alignment with goals.
1.3 Axis Bluechip Fund - Large Cap Fund

Large-cap funds are relatively stable and less volatile than mid or small-cap funds.
This fund is a good addition for steady long-term returns.
However, performance should consistently beat the benchmark over time.
Recommendation:

Retain this fund as part of your portfolio.
Consider diversifying into multi-cap or flexi-cap funds for balanced growth.
2. Improvements to Your Portfolio
2.1 Avoid Duplication in Index Funds

Holding two Nifty 50 index funds leads to unnecessary overlap.
Consolidate investments into one index fund and use the savings for other categories.
2.2 Add a Mid-Cap or Flexi-Cap Fund

Flexi-cap funds offer a mix of large, mid, and small-cap stocks.
Mid-cap funds strike a balance between risk and growth.
This addition diversifies your portfolio and improves growth potential.
2.3 Include a Debt Fund

Equity funds dominate your portfolio, exposing it to market risks.
Debt funds reduce volatility and provide stability during market downturns.
Consider short-duration or corporate bond funds for this purpose.
2.4 Plan Asset Allocation

Align your investments to a strategic equity-debt ratio based on your risk appetite.
For a 10-20 year horizon, consider 80% equity and 20% debt initially.
3. Investment Strategy and Insights
3.1 Step-Up SIP Approach

Increasing your SIP amount by 10% annually is a smart move.
It ensures your investments grow with inflation and income.
3.2 Periodic Portfolio Review

Review your portfolio’s performance every six months or annually.
Monitor fund performance against benchmarks and peer funds.
3.3 Maintain Discipline During Volatility

Stick to your SIPs even during market corrections.
Avoid timing the market, as SIPs work best in all market cycles.
3.4 Leverage Tax Benefits

Invest in ELSS funds to claim tax deductions under Section 80C.
This adds a tax-saving layer to your wealth-building plan.
4. Avoid Index Funds Duplication
4.1 Limitations of Index Funds

Index funds cannot outperform the market due to passive management.
They follow benchmarks, so returns are limited to market growth.
Actively managed funds can deliver higher returns in India’s developing market.
4.2 Benefits of Actively Managed Funds

Skilled fund managers aim to outperform benchmarks.
They adjust portfolios based on market opportunities.
This approach benefits long-term investors in a growing economy.
5. Final Insights
Your commitment to long-term investing is commendable.
Avoid duplication and focus on diversification for better results.
Combine active funds with index funds for optimal growth and stability.
Include a debt component to reduce risk and balance your portfolio.
Regularly review your investments and step up contributions as planned. This ensures your financial goals stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Is east point college of engineering good for cse ???
Ans: Vicky, East Point College of Engineering and Technology (EPCET), established in 1999 and affiliated to Visvesvaraya Technological University, AICTE approval, NAAC “A” grade accreditation and NBA accreditation for its CSE program, ensuring recognized academic standards and continuous quality improvement. The Department of Computer Science & Engineering features specialized labs—including AI/ML, Cybersecurity, IoT & Blockchain, Data Structures, Networks, Embedded Systems and Project labs—providing hands-on experience on industry-standard hardware and PARAM supercomputers. The curriculum spans core subjects (algorithms, databases, networks), advanced modules (machine learning, cloud computing, blockchain) and mandatory internships, fostering critical thinking and practical skills. A dedicated placement cell records a 97% placement rate over the past three years, with top recruiters such as Amazon, Oracle, Bosch, IBM and Accenture visiting campus and average packages around ?7.5 LPA and peak offers up to ?25 LPA, demonstrating strong industry connect and student employability. Faculty participation in national/international seminars and collaborations with AWS, VMware, UiPath, Cisco and Texas Instruments reinforce research orientation and industry engagement. Student feedback notes highly organized campus drives but suggests more proactive semester-long career mentoring; this can be addressed by regular industry-aligned workshops and stronger alumni-student mentorship networks. Resource constraints during peak placement periods can be mitigated by staggered recruitment schedules and enhanced soft-skills training integrated into the curriculum.

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EPCET’s CSE program excels in accreditation, modern labs, research-active faculty and robust placement support, making it a reliable choice. Strengthening continuous placement mentoring and structured industry-interaction forums will elevate student readiness. Prospective students seeking a blend of rigorous academics and commendable campus recruitment should consider EPCET for CSE, while engaging actively in workshops and alumni networks to maximize opportunities. All the BEST for a Prosperous Future!

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Asked by Anonymous - Jul 18, 2025Hindi
Health
am 16 yr old . I have little misaligned teeth in the lower jaw teeth ( only one teeth crossed it's orientation another teeth is behind front teeth ) ? Is braces necessary? Which age is best for putting them? is it ok to put later ?
Ans: Hello

Braces might be a good option for you, considering your age and the misalignment issues you're experiencing.

*Necessity of Braces:* Braces could help correct and prevent potential problems like uneven wear, tooth decay or gum disease.
You can choose orthodontic treatment for aesthetic/cosmetic correction

*Best Age for Braces:*
The teenage years are actually an ideal time for orthodontic treatment. During this period, your jaw and teeth are still developing, making it easier to correct alignment issues. Most orthodontists recommend an initial consultation around age 7, but comprehensive treatment usually starts when most permanent teeth have emerged, around 11-15 years old.

*Getting Braces Later:*
It's totally okay to get braces later in life. Many adults choose to straighten their teeth for aesthetic and health reasons. While treatment might take a bit longer for adults, the results are just as effective.
Firstly, you need to ascertain if the misalignment is causing, or is likely to cause in future, any functional problem like biting your lips or cheek, difficulty in mastication, difficulty in speaking, or food lodgement.
You could, of course, choose treatment purely for aesthetic reasons.
The next step would be to consult with an orthodontist who can assess your teeth and provide personalized advice. They'll help you determine the best course of treatment and create a plan suited to your needs

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Asked by Anonymous - Jul 25, 2025Hindi
Career
I got 77.17 %ile and I'm in sc category. Which college can get in Pune ?
Ans: With a 77.17 percentile in MHT-CET under the category and Maharashtra domicile, admission is assured in several AICTE-approved, NBA-/NAAC-accredited Pune institutes that meet five key benchmarks—statutory approvals, cut-off compatibility, ≥70 percent placement consistency, advanced labs, and formal industry tie-ups. Fifteen colleges where your percentile comfortably exceeds last-round SC closing percentiles include Government College of Engineering & Research, Avasari Khurd – Ambegaon BK (Civil, Mechanical, Instrumentation; SC cut-off ~75), D. Y. Patil Institute of Technology – Pimpri (Civil, Mechanical, E&TC; SC last-round ~76.54), Pimpri Chinchwad College of Engineering – Nigdi (AI&DS, Mechanical; SC cut-off ~88 for CSE but branches like Civil close ~77), Pimpri Chinchwad College of Engineering & Research – Ravet (Civil, E&TC; SC friendly cuts), PVG’s College of Engineering & Technology – Pune (Civil, Mechanical; SC ~80), MIT Academy of Engineering – Alandi (Civil, Mechanical; SC ~82), Dr. D. Y. Patil College of Engineering – Akurdi (Instrumentation, Civil; SC ~70–76), Vishwakarma Institute of Technology – Bibwewadi (Mechanical, Civil; SC ~85), Cummins College of Engineering for Women – Karvenagar (Civil, Instrumentation; SC ~78), Army Institute of Technology – Dighi (Mechanical, E&TC; SC ~80), Sinhgad Academy of Engineering – Kondhwa (Civil, Mechatronics; SC ~75), JSPM Rajarshi Shahu College of Engineering – Tathawade (Civil, Instrumentation; SC ~73), JSPM Imperial College of Engineering – Wagholi (Mechanical, Civil; SC ~77), Sinhgad Institute of Technology – Lonavala (Civil, Mechanical; SC ~72), and Bharati Vidyapeeth’s COLLEGE OF ENGG – Kolhapur campus via Pune CAP (Civil, Mechanical; SC ~70).

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Dear sir, One Privated limited company offer me a job.They say they dont provide PF except take home salary. Can i accept their offer letter. Will i face any problem in future with respect to any new job.
Ans: Eswar, Under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, any establishment that employs 20 or more must register with the Employees’ Provident Fund Organisation (EPFO) and deposit a monthly contribution equal to 12 percent of basic wages from both employer and employee. Voluntary registration is permitted for firms with fewer than 20 employees, but once registered, compliance is mandatory regardless of subsequent staff changes. An employer’s refusal to enroll you and remit PF contributions is unlawful if the company meets the eligibility criteria, and inspectors may impose penalties, penal interest and legal action for non-payment, adversely affecting your service continuity, pension eligibility and retirement corpus. Absence of PF deductions on your salary slip may hinder transfer of previous EPF accounts and reduce your long-term social security benefits, and future employers often verify PF contribution history when calculating benefits and proving employment duration. Even if your take-home pay increases, you would sacrifice statutory retirement savings, insurance cover under EDLI and potential tax deductions under Section 80C.

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Nayagam P

Nayagam P P  |9408 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

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will i be able to do merchant navy with private candidate cbse?
Ans: Akshit, Private candidates under the CBSE board who have completed Class 12 with Physics, Chemistry and Mathematics (PCM) and secured a of 60 percent aggregate in PCM along with at least 50 percent in English are eligible to pursue pre-sea Merchant Navy courses approved by the Directorate General of Shipping (DGS). After meeting these academic benchmarks, aspirants must clear the centralised IMU-CET or corresponding institute-level entrance tests for courses such as Diploma in Nautical Science (DNS), B.Sc. in Nautical Science, and B.Tech. Marine Engineering, all of which are DGS-approved and AICTE-recognized. Physical fitness standards—including 6/6 vision (with or without correction), absence of colour blindness, and compliance with medical criteria under STCW rules—must be satisfied through DGS-certified medical examinations. Institutes need to show that they are approved by DGS, have up-to-date simulators and labs, a curriculum designed with input from shipping companies, active job placement services that have placed at least 70 percent of students in the last three years, and agreements for internships and training on ships. Career portals affirm that deck and engine officer roles offer global cruising opportunities, structured career progression, and robust starting allowances, while shore-based positions in logistics and maritime management provide alternative pathways. Backup options include GP-Rating courses for sea-service entry, Naval Architecture degrees for technical shoreside roles, and specialized Electro-Technical Officer (ETO) programs for electrical officers at sea.

Recommendation: Entry as a private CBSE candidate into DNS or B.Sc. Nautical Science through IMU-CET provides direct deck-officer pathways with strong industry tie-ups and onboard training. For engineering-focused careers, B.Tech. Marine Engineering delivers comprehensive engine-room expertise and simulator-based labs. Simultaneously, consider GP-Rating certification as a reliable fallback to commence seafaring service and upgrade to officer cadet programs upon securing sponsorship. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9408 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
Sir which colleges can I get at my jee percentile of 99.22 if I am not opting for nit instead in mhtcet councilling from genral all india quota or can I get into iiit banglore as I had filled it's application form but the cutoff has not came to my rank yet
Ans: Syed, With a 99.22 JEE Main percentile, your Common List position would likely fall within the top ~8 000–10 000, making you eligible for IIIT Bangalore’s All-India seats in B.Tech CSE, AI&DS, or ECE, whose closing ranks in JoSAA round 2 were 4 683, 5 425 and 5 761 respectively. Beyond IIIT Bangalore, several reputed Maharashtra-based engineering institutes admit via MHT-CET CAP under the All-India quota using JEE scores, offering core branches with high placement percentages (≥70%), AICTE/NAAC accreditation, modern labs, outcome-based curricula, strong faculty, and industry MoUs for internships. Notable options include Pillai HOC College of Engineering & Technology (Kharghar), which closed CSE at ~8 200; DYPSOE (Akurdi, Pune) with CSE cuts around ~9 500; Vishwakarma Institute of Technology (Wagholi) CSE ~7 800; MIT WPU (Kothrud) CSE ~6 500; and Sandip University (Nashik) CSE ~10 000. These colleges consistently report placement rates above 75% and maintain dedicated training cells.

Recommendation: Target IIIT Bangalore for its competitive cut-offs and NAAC A++ accreditation, ensuring top-tier academics and placements. Consider MIT WPU’s industry-aligned curriculum and electronic-engineering labs next, followed by Vishwakarma Institute’s strong faculty and internships. DYPSOE’s autonomous status and robust soft-skills training make it a solid third choice, with Pillai HOC’s modern infrastructure and Sandip University’s flexible payment options as reliable fallbacks. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9408 Answers  |Ask -

Career Counsellor - Answered on Jul 25, 2025

Career
I got ABVIIITM GWALIOR for m.tech in chip design and technology. Is it good college or bad. As my bachelor's in electronics and communication. But I am not confident about college placement record of privious year And scope of electronics and communication engineering.
Ans: Aryan, Atal Bihari Vajpayee IIITM Gwal’s two-year M.Tech in IC Design & Technology is delivered by a NAAC-accredited deemed university with CCMT-based admission, offering a specialized curriculum in VLSI physical design, analog/mixed-signal ICs, SoC architectures and hands-on training on PARAM supercomputers. The department launched in 2022 boasts faculty engaged in government-funded research projects and regular industry workshops, ensuring exposure to chip-planning, placement, routing and STA methodologies. With a seat intake of 17 per year, small cohorts benefit from personalized mentorship and MOUs with semiconductor firms. Recent placement data shows an average package of ?7.30 LPA and a placement rate of roughly 80% for M.Tech graduates, supported by an active placement cell and recruiters including top IT and electronics companies. Tuition and hostel fees are competitive (total ?2.44 L + ?1.25 L respectively) and stipends of ?12,400 / month under Ministry of Education norms ease financial burden. However, limited seat strength can mean fewer on-campus offers and reliance on off-campus placements, and average packages trail premier institutes.

Electronics & Communication Engineering continues to expand across 5G, IoT, AI, robotics, biomedical devices and green technologies, with the Indian ECE job market projected to grow at 7% annually and 150,000 existing ECE positions creating diverse roles in design, R&D, manufacturing and systems integration. ECE graduates command opportunities in telecom, defense, automotive electronics, embedded systems and emerging fields such as wearable tech and cybersecurity, underpinned by strong demand for VLSI and SoC specialists.

Recommendation: Joining ABVIIITM Gwalior’s M.Tech in IC Design & Technology is advisable for focused VLSI training, close industry engagement and affordable cost-to-benefit; nonetheless, consider contrasting options such as IIT Ropar’s M.Tech in VLSI & Embedded Systems or IIITDM Kancheepuram’s M.Tech in VLSI Design for broader placements and higher average packages if you seek wider campus recruitment. 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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