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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Apr 22, 2022

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Kantilal Question by Kantilal on Apr 22, 2022Hindi
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I am a regular reader of your blog and appreciate the same. I am 37 years old. I have an investment goal of Rs.50L when I reach 50 years. My monthly SIP is Rs. 22500. Please advise. My current portfolio is as under:

Scheme Type Invested SIP
Aditya Birla Sun Life Tax Relief 96 - Reg - G Tax 107,000 Stopped
HDFC Tax saver Tax 105,000 Stopped
Nippon India Tax Saver ELSS Tax 213,026 Stopped
Franklin India Tax Shield Tax 90,000 Stopped
Mirae Asset Tax Saver Fund G Tax 10,000 2,500
Canara Robeco Equity Tax Saver Tax 10,000 2,500
Quant Tax Plan Tax 10,000 2,500
Axis Bluechip fund Equity 40,498 5,000
Aditya Birla Sun Life Mfg Equity Fund Equity 156,000 2,000
HDFC Gold Trader Fund Growth - Direct Equity 30,000 2,000
Motilal Oswal NASDAQ 100 ETF ETF 17,000 1,000
Mirae Asset Emerging Bluechip Fund - Growth Equity 16,014 1,000
IIFL Focused Equity Fund - Growth Equity 14,000 1,000
Canara Robeco Emerging Eqities Equity 14,000 1,000
Parag Parikh Flexi Cap Fund Equity 3,000 1,000
ICICI Prudential Technology Fund - Growth Equity 14,000 1,000

Ans: Funds are good, however too many ELSS funds, it’s nice to see that you have stopped a few. 

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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Sep 09, 2021

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I am 41 years old and work in a private sector company. I will retire at the age of 58 years. I have been making SIP investments as listed below. My object is long term fund accumulation. In my family I have parents, my wife and two kids (12 and 6 years). Please guide for any further addition in SIPs upto Rs 8K to Rs 10K. Also advise if I should stop any of the SIPs. Mutual Fund - Through monthly SIP SIP Per Month Number of yeas invested 1. SBI Small Cap Fund Regular Growth Rs 2,500 2 2. SBI Focused Equity Fund Direct Growth Rs 1,500 2 3. NIPPON INDIA VALUE FUND -- GROWTH PLAN  Rs 2,000 7 4. NIPPON INDIA LARGE CAP FUND -- GROWTH PLAN  Rs 2,250 4 5. ICICI Prudential Value Discovery Fund -- Growth Rs 2,000 2 6. HDFC Top 100 Fund -- Growth Rs 2,500 9 7. HDFC TaxSaver -- Growth Rs 2,000 9 8. HDFC Mid-Cap Opportunities Fund -- Growth Rs 1,500 5 9. HDFC Flexi Cap Fund Growth (Erstwhile HDFC Equity Fund) Rs 2,000 6 10. Franklin India Smaller Companies Fund -- Growth Rs 2,000 4 11. DSP Mid Cap Fund, Reg -- G Rs 2,000 5 12. DSP Focus Fund, Reg -- G Rs 2,000 2 13. DSP Equity Opportunities, Reg -- G Rs 2,000 2 14. Aditya Birla Sun Life Tax Relief '96 Fund (ELSS U/S 80C of IT ACT) -- Growth, Regular Plan Rs 2,000 4 15. Aditya Birla Sun Life Frontline Equity Fund -- Growth, Regular Plan Rs 2,000 1 16. Aditya Birla Sun Life Equity Advantage Fund - Growth, Regular Plan Rs 2,000 4 I have also made one time investment in the funds listed below. Please guide for any switching. I also want to invest an additional Rs 80K to Rs 1 lakh. Please guide. Mutual Fund One Time investment Investment HDFC Low Duration Fund -- Growth Rs 50,245 HDFC Mid-Cap Opportunities Fund - Direct Plan -- Growth Option Rs 22,500 HDFC Small Cap Fund -- Regular Plan, Growth Rs 25,000 HDFC Housing Opportunities Fund -- Direct Plan, Growth Option Rs 20,000 Aditya Birla Sun Life Resurgent India Fund Series 6 -- Direct, Growth Rs 20,000 Aditya Birla Sun Life Low Duration Fund -- Regular Plan, Growth (formerly known as Aditya Birla Sun Life Cash Manager) Rs 79,578 Aditya Birla Sun Life Frontline Equity Fund -- Direct Plan, Growth Rs 44,000 ICICI Prudential Bluechip Fund -- Growth Rs 25,000 ICICI Prudential Value Fund Series 19 -- Direct Plan, Cumulative Rs 20,000 L&T Midcap Fund -- Growth Rs 25,000 SBI Focused Equity Fund Regular -- Growth Rs 25,000
Ans: Your portfolio has too many funds, it's over-diversified.

Lumpsums can be continued.

In SIPs, you may continue with 1, 2, 5, 8 and 11.

 

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Money
Hello sir i am 32 years old and currently investing via SIP mode. From last 3 years i am investing 2200 in motilal Oswal S&P 500 index fund, 2500 in navi nifty 50 (i have stopped this sip and instead started 2500 in parag flexi cab as navi 50 was overlapping by 70% in parag), 2500 in quant small cap, 2000 in axis small cap, just started daily sip of 50 rs in icici muti cap fund. I am also thinking of investing 2k more in quant flexi cap. Kindly suggest any modifications or your thoughts about this portfolio for atleast my attaining 55 years.
Ans: It sounds like you have a diversified portfolio with exposure to various segments of the market, which is generally a good approach for long-term investing. Here are some thoughts and suggestions:

Asset Allocation: You seem to have a tilt towards equity funds, which is fine if you have a long investment horizon and high risk tolerance. However, make sure you have a suitable allocation to debt or other less volatile assets depending on your risk appetite and financial goals.
Review Overlapping Funds: You mentioned that you stopped SIP in Navi Nifty 50 as it overlapped with Parag Flexi Cap. It's essential to avoid redundancy in your portfolio to ensure efficient diversification. Make sure you're not overly exposed to similar holdings across different funds.
Expense Ratios: Check the expense ratios of the funds you're investing in. Lower expense ratios can significantly impact your returns over the long term, so opt for funds with competitive expense ratios.
Regular Review: Periodically review your portfolio's performance and relevance to your financial goals. Rebalancing may be necessary to maintain your desired asset allocation and risk level.
Consider International Exposure: You're investing in domestic equity funds. Depending on your risk appetite and diversification goals, you might consider adding an international equity fund for broader exposure to global markets.
Emergency Fund and Other Investments: Ensure you have an adequate emergency fund before investing heavily in mutual funds. Also, consider other investment options like PPF, FDs, or real estate depending on your financial goals and risk tolerance.
Tax Planning: Be mindful of the tax implications of your investments, especially if you're investing in equity funds. Understand the taxation rules regarding capital gains, dividends, and the impact on your overall tax liability.
Seek Professional Advice: If you're unsure about any aspect of your investment strategy or need personalized advice based on your financial situation and goals, consider consulting with a financial advisor.
Remember, investing is a long-term journey, and staying disciplined, diversified, and informed are key principles for success.

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Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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Hi Sir/Ma'am, I am 25 yrs old and my take home monthly is approx 1.2 lacs working in IT. Currently I am investing in PPF since 2020. Used to invest around Rs. 1000/- pm but slowly increased my investment to 12,500 from last month onwards and looking to continue the same. Since beginning of this year, I have started to invest in mutual funds with a monthly SIP of 15,000. I invest in a mix of small, mid and large cap funds. Does it makes sense to consider investing in ELSS tax saver funds? Do they generally give good returns as compared to SML cap funds? I am looking to step up my SIP by 10% every year. My goal is to attain financial freedom in the next ten years with more 1cr. as a corpus. I also have a LIC jeevan anand policy and I invest around 1,250/- every month which will mature in next 10 years. In order to achieve my financial goal fast, should I increase my monthly SIP to maybe 30k by decreasing the amount invested in other schemes? I know that SIPs generally comes with a better return but with a high risk. Is there any other scheme that I should opt for which gives higher return? Please suggest how to go about it based on my current income and living expenses. I also have some liabilities after investments such as: Personal loan: 45k Consumer loans: around 10k House expenses: 20k My current investment portfolio so far: SIP: 40K (Recently started as mentioned) PPF: 2.2 lacs EPF: 1.8 lacs LIC: 1 lac Thank you!
Ans: Firstly, I commend you for taking proactive steps towards building your financial future at such a young age. Your commitment to increasing your investments over time is commendable and will serve you well in achieving your financial goals.

Regarding your query about ELSS tax saver funds, they can indeed be a valuable addition to your investment portfolio. ELSS funds not only offer tax benefits under Section 80C of the Income Tax Act but also have the potential to generate higher returns over the long term compared to traditional investment avenues like PPF.

As for comparing ELSS funds with small-cap funds, it's essential to understand that they belong to different categories with varying risk profiles. Small-cap funds typically carry higher risk but also have the potential for higher returns, while ELSS funds invest primarily in equity markets and have the added advantage of tax benefits. Both can play a role in diversifying your investment portfolio and achieving your financial goals.

Considering your goal of attaining financial freedom in the next ten years with a corpus of over 1 crore, it's essential to review your investment strategy periodically and make adjustments as needed. Increasing your monthly SIP to 30k and potentially reallocating some funds from other schemes could be a prudent move, given your high income and relatively low living expenses.

Regarding your existing LIC Jeevan Anand policy, surrendering it and reinvesting the proceeds in mutual funds could potentially yield higher returns, especially considering your long investment horizon and risk tolerance. However, it's essential to evaluate the surrender value, any applicable penalties, and the potential tax implications before making a decision.

In summary, continue with your disciplined approach to investing, consider adding ELSS funds to your portfolio, and review your investments periodically to ensure they align with your financial goals and risk tolerance.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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"Should I take the leap and join IIIT Hyderabad through LEEE for better exposure, cutting-edge opportunities, and a prestigious peer group despite the high fees and financial burden, or should I continue in my current college where I can still engage in clubs, projects, and build a strong profile for pursuing M.Tech at a top institute later without the financial strain?"
Ans: IIIT Hyderabad is widely recognized for its academic excellence, research intensity, and prestigious peer environment, reflected in consistently high global and national rankings (501-600 in THE World Rankings, 47th NIRF Engineering 2024). Admission through LEEE allows lateral entry into its coveted dual degree (B.Tech + MS by Research) path, offering an immersive, four-year program with a distinct focus on innovation, cutting-edge technologies, and research aptitude. Students benefit from close mentorship, vibrant tech-centered clubs, hands-on exposure via open-source collaborations and industry-driven internship programs, and immediate access to India’s top minds in computer science and allied disciplines. Infrastructure is sophisticated, with 20+ research labs, AI, data science, and IoT centers, and active participation in national and international hackathons, joint industrial ventures, and conferences. Peer quality is regarded as exceptional; IIITH draws high-performing students with strong Olympiad, competitive programming, and research backgrounds, fostering an intellectually stimulating and collaborative campus culture. Placement outcomes are outstanding, with 98.8–99.3% placement rates across BTech/MS and nearly universal offers at global tech companies, research organizations, and emerging startups, ensuring rapid RoI and long-term career advancement for most graduates. However, the annual fee for the dual degree program is substantial—?4,50,000 per annum, potentially rising—posing a significant financial commitment, despite limited-but-merit-based scholarship options. By contrast, building a strong profile at your current college for future M.Tech at a top institution remains a prudent, financially less burdensome approach, especially if you secure strong academic scores, relevant projects, national-level internships, and competitive exam results (GATE/PGEE), and may still lead to prestigious research or industry positions.

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Hi Sir, I have completed my graduation in Mechanical Engineering,I attempted GATE 2025 in CS paper and qualified. I participated in CCMT counselling and secured seat in IIITDM kurnool in AI&DA specialization.What is placement scenario there for Mtech,Should I consider this CoLlage as non CS graduate.
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Is Sri Aurobindo college delhi worth it for BA programme in Commerce + Economics
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Ans: Amrita Vishwa Vidyapeetham Coimbatore’s B.Tech in Electrical and Electronics Engineering (EEE) offers a well-established, NAAC A++ accredited program supported by highly qualified faculty, up-to-date curriculum, and cutting-edge laboratories in areas such as Power Electronics, Electric Machines, Control Systems, and Embedded Systems. The campus delivers an outstanding learning atmosphere with state-of-the-art infrastructure, a fully equipped central library, 24/7 medical facilities, modern hostels, diverse sports complexes, and strong support for research and industry interaction. Over the last three years, EEE placements have remained steady, with 86.7% of eligible students placed in 2023 and historical campus-wide placement rates around 90–94%, consistently attracting numerous multinational recruiters from both core engineering and software sectors. Students routinely highlight the disciplined environment, support for personal and professional growth, and vibrant campus culture, while alumni note the significant value the program adds to their employability and holistic development. Given sectoral growth, EEE graduates remain in demand across renewables, automation, IT, and power electronics, with the curriculum also equipping students for emerging roles in data-driven and interdisciplinary engineering fields.

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

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Hi sir I am Anusha recently kea released kcet mock allotment I got dayanand Sagar harohalli campus cse in data science. I want to know the whether it Better choice or not . And also about placements
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Recommendation: Choosing DSCE Harohalli campus for CSE in Data Science is a strong option, due to solid placement rates, modern facilities, accredited teaching, supportive alumni, and excellent industry alignment. The branch offers bright prospects especially for those seeking careers in analytics, software, and data-driven roles within India’s expanding digital landscape. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 27, 2025

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Hi Sir/Madam, We are from Bangalore, my son has 2 options to join BTech.. Manipal, Udipi branch got ECE and via KCET , we have 14600 rank, got CMR IT, Bangalore during mock allotment. Hopefully we may get better college in next coming rounds. Please advice us, to continue in Manipal or explore best options in KCET for computer science. Thank in Advance Vijay
Ans: Vijay Sir, Manipal Institute of Technology’s Electronics and Communication Engineering program offers state-of-the-art labs, strong industry integration, and a placement rate of 77% in 2025, with connections to 230+ recruiters and a focus on holistic student growth through well-established campus facilities and innovation hubs. In contrast, CMR Institute of Technology in Bangalore’s Computer Science Engineering branch provides a robust curriculum aligned to industry demand, with average placement rates around 75–80% in recent years, and a location advantage for internships and corporate exposure within the Bangalore tech ecosystem. KCET candidates with a 14,600 rank can anticipate better options in upcoming rounds, as the seat allotment process allows further choice modifications and could secure admission to more prestigious computer science programs.

Recommendation: For a student from Bangalore aspiring toward technology-driven career growth, it is optimal to fully explore and prioritize the best possible computer science options through KCET in the next allotment rounds. Prestigious CSE programs in Bangalore offer superior industry alignment and future-proof prospects compared to ECE at Manipal, ensuring stronger opportunities in the tech sector. Have CMRIT as a back-up and participate in further rounds also. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9478 Answers  |Ask -

Career Counsellor - Answered on Jul 27, 2025

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Sir, my daughter got ISE at NMIT Bangalore! Is the college worth joining for the holistic development of Student! How is the teaching there, Placements for ISE Branch! Is it worth Joining for engineering?
Ans: Amrutha Madam, Nitte Meenakshi Institute of Technology (NMIT) offers a robust Information Science & Engineering curriculum under its autonomous, NBAaccredited framework that emphasizes Outcome-Based Education and continuous stakeholder feedback to refine teaching and evaluation methods. The department’s faculty–student ratio of 1:15, combined with over 14% doctoral-qualified professors and regular upskilling through workshops and industry collaborations (Subex, Cisco, IoT labs), fosters rigorous academic excellence and personalized mentorship. The 23-acre green campus in Yelahanka provides modern classrooms, high-speed computer labs, dedicated AR/VR and Cybersecurity centers, a 48,000-strong library, and extensive co-curricular facilities, ensuring comprehensive infrastructure that bolsters both technical prowess and personal growth. NMIT’s Career Development Cell engages 150+ recruiters annually, achieving an average ISE placement rate of 88–90% over the past three years, with internships and pre-placement offers beginning in the fifth semester and major IT firms like Amazon, Microsoft, and Wipro regularly hiring from ISE. Student reviews highlight vibrant campus life, active clubs (E-Cell, GDSC), annual fest Anaadyanta, and strong peer networks, though some cite transit challenges due to distance from central Bangalore. Globally, ISE graduates will remain in high demand, with big-data and AI roles projected to grow by 85–110% by 2030, and 11.5 million new IT positions forecast in India alone by 2026, underlining the branch’s enduring relevance across software, analytics, cybersecurity, and cloud domains. Collectively, NMIT’s ISE provides a balanced ecosystem for technical skill-building, holistic development, and forward-looking career trajectories.

Recommendation: Enrolling in NMIT’s ISE program is a sound choice, as its blend of accredited pedagogy, state-of-the-art infrastructure, tailored student support, strong industry linkages with 88% placement consistency, and alignment with exponentially growing data-driven roles ensures well-rounded development and sustained employability. All the BEST for a Prosperous Future!

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