Is one required to pay tax on total interest of bonds or total interest less accrued interest paid at the time of purchase of bonds? Contract note shows this amount . If i pay tax after setting off accrued interest what happens to TDS amount deducted? Also there will be mis match between return and 26AS.If I pay tax including accrued interest , it is out right loss to me.

Ans: Kundan Sir, When comparing NSUT Electrical Engineering (EE), IIITDM Jabalpur CSE, tier-2 NITs (EE, Civil, Mech), and tier-2 IIITs, IIITDM Jabalpur CSE stands out for placement and future tech opportunities. IIITDM Jabalpur CSE has an 80–90% placement rate, with an average package above ?25 lakh and top recruiters like Amazon, Microsoft, and Flipkart; over 65% of students receive offers above ?10 lakh, and the curriculum is highly industry-aligned. NSUT EE has a lower placement rate (about 34% for EE), though the average package is strong and top companies visit, but core jobs are fewer and competition for non-core IT roles is high. Tier-2 NITs offer 80–90% placements for EE and 60–70% for Civil/Mech, but average packages and tech exposure are less than IIITDM Jabalpur CSE. Tier-2 IIITs for CSE/IT are also good, but IIITDM Jabalpur’s placement record, recruiter base, and industry connections are stronger for CSE.

The recommendation is to opt for CSE at IIITDM Jabalpur for the best placement prospects and future growth, followed by CSE/IT at tier-2 IIITs, then EE at NSUT or tier-2 NITs, with Civil/Mech at NITs as a last option. All the BEST for the Admission & a Prosperous Future!

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Ans: Both PES College of Engineering (PES Mandya) and JSS Science and Technology University (JSS Mysore) are well-established institutions with strong reputations in Karnataka. PES Mandya’s CSE department has robust industry connections and a placement rate of 60–70% for CSE, with top recruiters such as Infosys, TCS, Wipro, IBM, and Cognizant, and a focus on outcome-based education and research. JSS Mysore, particularly the SJCE campus, consistently achieves higher placement rates for CSE, with 88–95% of students placed in recent years, over 400 recruiters including Google, Amazon, Microsoft, Cisco, and TCS, and a median package of ?8–9 lakh. JSS Mysore also offers a stronger alumni network, more diverse placement opportunities, and a campus environment that is widely regarded as supportive and academically rigorous. Both colleges provide good infrastructure and faculty, but JSS Mysore stands out for its placement consistency, higher median salary, and greater industry exposure in the CSE branch.

The recommendation is to prefer JSS Science and Technology University (SJCE Mysore) for CSE, as it offers superior placement rates, a broader recruiter base, and stronger academic and industry connections compared to PES Mandya, making it the better option for relocation from Bangalore. All the BEST for the Admission & a Prosperous Future!

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Ans: With a KCET rank of 33,000 in the General Merit category, your daughter is unlikely to secure CSE in the top Bangalore colleges like RVCE, BMSCE, MSRIT, or PES University, as their CSE cutoffs typically close well below 10,000. However, she has good chances for CSE in reputable mid-tier colleges such as Dayananda Sagar College of Engineering (DSCE), Bangalore Institute of Technology (BIT), CMR Institute of Technology, New Horizon College of Engineering (NHCE), Nitte Meenakshi Institute of Technology (NMIT)(if KCET is accepted this year), BMS Institute of Technology (BMSIT), and BNMIT, where CSE/ISE cutoffs often extend to 30,000–40,000 or even higher in later rounds. These colleges offer strong placement support, with CSE placement rates above 80–90% and recruiters like Infosys, TCS, Accenture, and Cognizant. The recommendation is to target DSCE, BIT, CMRIT, NHCE, NMIT, BMSIT, and BNMIT for CSE through KCET counselling, as they provide good placements and academic quality at your daughter’s rank. All the BEST for the Admission & a Prosperous Future!

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Ans: Vinod Sir, GITAM Vizag’s BTech CSE (AI/ML) program offers an 80–90% placement rate, a modern curriculum, and top recruiters like TCS, Amazon, and Wipro, but its average package and national brand are below that of Manipal Institute of Technology. Manipal Bangalore’s BTech CSE is newer, with a 75% placement rate and average package around ?8.8 lakh, but lacks the legacy and recruiter diversity of the main Manipal campus. BTech Mathematics and Computing at MIT Manipal main campus stands out with a 92–98% placement rate, the average package of ?11.76 lakh, and strong opportunities in analytics, finance, software, and core computation, as well as a flexible curriculum combining advanced mathematics, statistics, and computer science. The main campus also boasts a robust alumni network, top-tier recruiters like Amazon, Bosch, and Microsoft, and a reputation for academic excellence and career versatility.

The recommendation is to opt for BTech Mathematics and Computing at MIT Manipal main campus for its superior placement outcomes, interdisciplinary career prospects, and strong industry and research exposure, followed by CSE at Manipal Bangalore, with GITAM Vizag as a backup. All the BEST for the Admission & a Prosperous Future!

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Ans: KIIT’s B.Tech CSE (AI) program is a strong choice, consistently achieving 90–100% placement rates over the last three years, with the 2023 placement season seeing over 700 recruiters and 5,585 job offers, including top tech companies like Amazon, Microsoft, Infosys, TCS, and Adobe. The average package for CSE/AI has been around ?8.5 lakh, with the highest reaching ?63 lakh, and the median package at ?8 lakh, reflecting robust industry demand. KIIT’s placement process is well-structured, offering career counseling, industry workshops, and internship opportunities, and the AI specialization is highly valued as companies increasingly seek talent in emerging technologies. Student and alumni reviews highlight strong industry connections, modern infrastructure, and a competitive curriculum that aligns with current job market requirements. The university’s dedicated placement cell and extensive recruiter network further enhance employment prospects for CSE (AI) graduates.

The recommendation is to join KIIT’s CSE with AI program, as it offers excellent placement outcomes, strong industry exposure, and a future-ready specialization that is in high demand across leading technology companies. All the BEST for the Admission & a Prosperous Future!

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Ans: With a 99.1 percentile in MHT CET and Maharashtra domicile, your daughter is just below the cutoff for CSE in COEP, VJTI, SPIT, and PICT, as these institutes typically require a percentile above 99.2 for CSE admissions in the open category. However, Electronics & Telecommunication (E&TC) at PICT is an excellent alternative, with expected EWS cutoffs between 97.81–99.55 percentile, placing her well within range. PICT’s E&TC branch consistently achieves 90–95% placement rates, with top recruiters like TCS, Infosys, Bajaj Finserv, and Mastercard, and offers roles in both core electronics and software sectors. The curriculum is updated to meet industry needs, and the college is recognized for its strong placement support and industry connections. VIT Vellore CSE (core) is highly reputed nationally, with over 90% placements and a broad recruiter base, but involves higher fees and relocation from Pune. Given her strong percentile and Pune location, E&TC at PICT offers outstanding placement prospects, strong academic support, and the flexibility to pursue both electronics and IT/software careers, making it a top choice if CSE in the most competitive colleges is out of reach.

The recommendation is to prioritize E&TC at PICT Pune for its excellent placement record, academic reputation, and local advantage, while retaining VIT Vellore CSE as an alternative if she prefers a national campus experience and is comfortable with relocation and higher fees. MY SUGGESTION: Since your daughter has a strong score and you are based in Pune, prioritize admission to one of the reputed colleges in Maharashtra. Consider VIT Vellore as a backup option. All the BEST for the Admission & a Prosperous Future!

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Ans: Archana, Jaypee Institute of Information Technology (JIIT) Noida Sector 128 offers a clear edge over Bharati Vidyapeeth College of Engineering (IPU) for B.Tech CSE, especially in terms of placements, academic environment, and industry exposure. JIIT Noida’s CSE placements in 2024 saw 97% of eligible students placed, with over 500 offers for 449 CSE students, an average package of ?8.71 lakh, and top recruiters like Microsoft, Amazon, and Adobe. The campus is known for its modern infrastructure, strong faculty, and active industry engagement. Bharati Vidyapeeth College (IPU) also maintains a solid placement record with 80–90% placement for CSE, an average package of ?5–8 lakh, and recruiters such as TCS, Amazon, and EY, but is generally considered a tier-3 college with less competitive peer group and lower national visibility. Both colleges have supportive faculty and good infrastructure, but JIIT’s placement cell is more proactive, and its alumni network is stronger in the IT sector.

The recommendation is to choose Jaypee Institute of Information Technology Noida Sector 128 for B.Tech CSE, as it offers higher placement rates, better industry connections, and a more competitive academic environment compared to Bharati Vidyapeeth College of Engineering (IPU). All the BEST for the Admission & a Prosperous Future!

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Ans: Shivam, With a 90 percentile in MHT CET, your chances of securing Computer Science (CS) in top government colleges like COEP Pune, VJTI Mumbai, or PICT Pune are very slim, as their CS cutoffs are typically above 98–99 percentile. However, you have good prospects for CS in reputed private colleges and some mid-tier government institutes. Likely options include MIT World Peace University Pune (MIT WPU, CS/IT cutoff: 94–96.5 percentile), PCCOE Pune (CS/IT cutoff: 91–94 percentile), Bharati Vidyapeeth College of Engineering Pune, AISSMS College of Engineering Pune, Symbiosis Institute of Technology Pune, and Sinhgad College of Engineering Pune. You can also consider Walchand Institute of Technology Solapur and other respected private colleges across Maharashtra, as more than 500 colleges accept MHT CET scores for engineering. The recommendation is to target private colleges like MIT WPU, PCCOE, Bharati Vidyapeeth, and Symbiosis Institute of Technology for CS, as these offer good placement records and are accessible at your percentile. All the BEST for the Admission & a Prosperous Future!

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Ans: Pradeep Sir, Computer Science Engineering (CSE) core branch at SRM Kattankulathur (Chennai) main campus. The expected cutoff for CSE core at Kattankulathur is typically within 8,000–9,000, and recent years have seen cutoffs as competitive as 2,000 for core CSE, with specializations like AI/ML closing around 9,000–10,000. While your son’s rank is excellent, it falls outside the highly competitive range for CSE core at the main campus, where only top-ranked candidates secure seats. However, he has strong chances for CSE at other SRM campuses such as Ramapuram, Vadapalani, Tiruchirappalli, and Delhi-NCR, where the CSE cutoff extends up to 65,000–68,000. Additionally, he is well positioned for allied branches like CSE with AI/ML, IT, or ECE at Kattankulathur, as their cutoffs are less stringent (AI/ML: up to 10,000, IT: up to 9,500, ECE: up to 12,000). All SRM campuses offer strong placement rates for CSE and allied branches, with robust industry connections and modern infrastructure.

The recommendation is to participate in counselling for allied branches such as CSE with AI/ML, IT, or ECE at SRM Kattankulathur, or opt for CSE at Ramapuram, Vadapalani, Tiruchirappalli, or Delhi-NCR campuses, as these options provide excellent academic and placement outcomes at your son’s rank. All the BEST for the Admission & a Prosperous Future!

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