I am regularly investing in HDFC Top100, HDFC Flexicap and HDFC Hybrid Mutual Funds. Are these good MFs to continue for a longer time.

Ans: BITS Pilani Chemical Engineering carries the prestige of a top-ranked private institute, excellent faculty, modern laboratories, and consistent placement rates of 90–95% with both core and non-core recruiters; opportunities for interdisciplinary minors expand career options, and the Practice School program ensures practical industry exposure. IIIT Raichur’s BTech in Mathematics and Computing is an innovative branch with a contemporary curriculum in high-demand fields, producing skilled graduates for software, analytics, and data science; however, as a newer campus, recent placement rates averaged 68–85%, with the program still building alumni and industry links. IIIT Raichur’s branch excels in tech-focused training and has shown rapid progress, but BITS Pilani’s legacy guarantees broader career scope, stronger campus resources, and extensive peer and alumni networks in both India and abroad.

Recommendation: Choose BITS Pilani Chemical Engineering for its stronger placement record, national reputation, and multidisciplinary flexibility; IIIT Raichur is recommended only for targeted mathematics and computing careers. All the BEST for a Prosperous Future!

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Ans: IIIT Dharwad’s ECE program offers a modern curriculum, upgraded labs, and a placement cell that supports active skill-building and networking. Placement percentages over the last three years range from 62% to 82%, with top recruiters such as Cognizant, IBM, Infosys, and Oracle participating regularly. Infrastructure and teaching quality are solid but reviews mention that regional location sometimes limits industry exposure and internship opportunities outside IT. By contrast, IIIT Bhopal’s ECE branch has shown steady improvement, with placement rates of 72–98% in the last three years, impressive average packages, and deepening industry relations with leading tech and core electronics firms. IIIT Bhopal benefits from a more central location, a young but active faculty, and greater cross-domain internship and research collaborations, resulting in more flexible job options for ECE graduates. Both offer good campus life, peer engagement, and value for money.

Recommendation: Prefer IIIT Bhopal ECE for its higher placement rate, improved industry exposure, and location advantage while still keeping IIIT Dharwad as a backup option. All the BEST for a Prosperous Future!

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Ans: IIM Sambalpur’s B.S. in Data Science and Artificial Intelligence is a new, fully residential four-year undergraduate program designed in accordance with global academic and industry standards. The interdisciplinary curriculum integrates mathematics, statistics, computer science, and management, emphasizing hands-on experience through lab sessions, coding bootcamps, internships, and live industry projects. Multiple exit options (certificate, diploma, degree, honours) align with NEP guidelines, supporting career flexibility and advanced study options. The final year includes a real-world dissertation project. As the program is newly launched, detailed placement records for graduates are still evolving; however, IIM Sambalpur's robust placement cell, reputation, and increasing recruiter participation signal promising opportunities in data science, AI, and analytics sectors. Students benefit from exposure to emerging trends, industry-focused modules, and on-campus research culture, although first batch outcomes may take time to mature. The high-quality faculty, modern infrastructure, and IIM brand together enhance its future prospects.

Recommendation: The course at IIM Sambalpur is worth considering for its strong foundation, industry relevance, and holistic training, especially for aspirants committed to interdisciplinary careers in data science and AI. All the BEST for a Prosperous Future!

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Ans: AMU’s Computer Science Engineering (CSE) program is highly reputable due to its rigorous curriculum, experienced faculty, established infrastructure, and consistent national ranking. Recent placement rates range from 80% to 93% for CSE over the last three years, with students recruited by top firms including Adobe, Infosys, Deloitte, and Amazon; the majority secure roles in IT, software, data science, and startups. AMU offers active coding clubs, research opportunities, and strong alumni mentorship. In comparison, JPIIT Electronics provides a modern curriculum, state-of-the-art labs, and international collaborations including pathways to MS programs abroad. Placement rates for JPIIT Electronics and ECE have been impressive in select years, reportedly reaching 98%, with core and interdisciplinary job options in electronics, telecom, and IT. Both institutions support internships and project-based learning, but AMU’s national recognition, historic legacy, and technical peer network give a clear edge in both career flexibility and future prospects. Both are affordable, with vibrant campus environments and strong student support systems.

Recommendation: AMU CSE is the better choice for its stronger placement rates, global recognition, richer peer network, and broader career options; JPIIT Electronics may suit niche technology interests only. All the BEST for a Prosperous Future!

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Ans: NIT Silchar’s Electronics & Communication program combines a robust curriculum with well-qualified faculty, modern laboratories, and active industry partnerships, ensuring strong academic foundations and hands-on learning. The campus boasts NAAC ‘A’ accreditation, Wi-Fi connectivity, dedicated E-cell, and vibrant technical societies that foster innovation and peer collaboration. Over the past three years, ECE placement rates have ranged between 62% and 78%, with recruiters from core electronics, telecom, and IT sectors regularly participating. Research opportunities in VLSI, signal processing, and IoT are supported by sponsored projects and state-of-the-art facilities. The institute maintains a supportive mentoring system and comprehensive soft-skill training through its placement cell. While Silchar’s remote location may require adjustment, its affordable fee structure, on-campus housing, and strong alumni network balance the trade-offs. Overall, the program’s balanced emphasis on theory, practical exposure, research, and career support makes it a solid choice for long-term growth in ECE disciplines.

Recommendation: NIT Silchar ECE is an excellent option for its comprehensive curriculum, consistent placement record, research focus, and supportive campus environment, making it worthwhile to accept. All the BEST for a Prosperous Future!

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Ans: Amrita Vishwa Vidyapeetham’s newly inaugurated Haridwar campus offers BTech CSE with a comprehensive curriculum designed for modern industry needs, benefiting from Amrita’s national reputation and A++ NAAC accreditation. While still developing its own placement record, the campus enjoys strong central support—a pan-university placement cell servicing all locations, with 300+ recruiters and 95–100% placement rates at established campuses. Haridwar’s fresh infrastructure, faculty, and resources are backed by central academic standards, student support services, and the opportunity to participate in inter-campus internships, hackathons, and skill training programs. As a first-batch student, you must actively build a strong CV: excel in academics, enroll in technical workshops, master coding and interviews, collaborate with established campus networks, and seek out online certifications and real-world projects. Networking within Amrita’s multi-campus community and leveraging alumni connections are essential to compete for both campus and off-campus placements.

Recommendation: The Haridwar campus is a promising choice, provided you proactively develop skills, leverage university resources, and gain practical exposure for competitive placement outcomes. All the BEST for a Prosperous Future!

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Ans: Amrita Vishwa Vidyapeetham’s newly inaugurated Haridwar campus offers BTech CSE with a comprehensive curriculum designed for modern industry needs, benefiting from Amrita’s national reputation and A++ NAAC accreditation. While still developing its own placement record, the campus enjoys strong central support—a pan-university placement cell servicing all locations, with 300+ recruiters and 95–100% placement rates at established campuses. Haridwar’s fresh infrastructure, faculty, and resources are backed by central academic standards, student support services, and the opportunity to participate in inter-campus internships, hackathons, and skill training programs. As a first-batch student, you must actively build a strong CV: excel in academics, enroll in technical workshops, master coding and interviews, collaborate with established campus networks, and seek out online certifications and real-world projects. Networking within Amrita’s multi-campus community and leveraging alumni connections are essential to compete for both campus and off-campus placements.

Recommendation: The Haridwar campus is a promising choice, provided you proactively develop skills, leverage university resources, and gain practical exposure for competitive placement outcomes. All the BEST for a Prosperous Future!

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Ans: 1. Assess and List Out All Debts
List each loan and credit card with:
• Amount owed
• Monthly EMI or minimum payment
• Interest rate
This will help you understand which debts are costing you the most and need to be prioritized.

2. Create a Bare-bones Budget
• List your essential expenses only: rent, food, utilities, transportation.
• Allocate most of your income toward debt repayment: Many people use a “60-30-10” rule—spending 60% of income on debts, 30% on essentials, and 10% on minor needs or savings, if possible.
• Cut all non-essential expenses (entertainment, eating out, subscriptions).

3. Prioritize Payments
Pay expensive loans first: Focus on debts with the highest interest rate (usually credit cards)—this is called the Avalanche Method.
Always pay at least the minimum on all debts to avoid penalty charges or further damage to your credit score.

4. Talk to Your Lenders
Request lower interest rates or extended loan tenures. Some banks and NBFCs might offer hardship or restructuring programs.
Ask about converting credit card balances into loans with lower EMIs.
Check if you qualify for a debt consolidation loan to combine all debts into one EMI at a lower rate.

5. Explore Additional Income Sources
Take up a side job or gig: tutoring, food delivery, freelancing, weekend work, etc.
Sell unused items online.
Any extra amount should go directly to debt repayment.

6. Avoid Taking On New Debt
Don’t use credit cards or personal loans for discretionary spending.
Avoid “payday loans” or instant loans with high interest.

Sample Monthly Action Plan
Step Amount Allocated
Income (per month) ?28,000
Essentials (rent, food, etc.) ~?8,000-?10,000
Debt repayments ?16,800-?18,000+ (60%+)
Other (emergency savings) ?0-?2,000
If your current minimum payments are more than your income allows, you must negotiate with lenders, as defaulting will further hurt your financial health and credit score.

Mindset Tips
• Celebrate small wins; every rupee paid reduces your stress.
• Stick to your plan—discipline will help you get through this.
• Don’t lose hope—many have successfully cleared similar debts with patience and perseverance.

Final Note
Your current income is not sufficient to clear such a large debt in a short time. Becoming debt-free will require:
• Aggressively cutting expenses
• Increasing your income wherever possible
• Negotiating with lenders for the best possible repayment terms
Seek help when needed and stay disciplined throughout the journey.

Ans: the company is under liquidation and there is no way to redeem the shares