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Vivek

Vivek Lala  | Answer  |Ask -

Tax, MF Expert - Answered on May 19, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more
Swapnil Question by Swapnil on May 19, 2024Hindi
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Requirement - 2 crore Time - 30 years Risk - Moderate Sir based on above requirements please suggest - 1. How much amount of SIP do I need to done 2. In which fund I need to invest to get the required amount.

Ans: In order to get to 2crs your sip amount has to be Rs.5800 for the next 30yrs
Risk in equity markets is the volatility that you see in the short term, due to the longer duration of your investment that risk gets mitigated
The funds that you can select are as follows :
Small cap 30%
Mid cap 30
Multi cap 20%
Large and mid cap 10%
Thematic funds 10% ( can be changed as per requirement )

Generally the investment amount should be 30% of your gross salary to get to your goals faster , so if you can do a higher investment per month, you should aim for that
Do let me know yours views on this on my LinkedIn profile, attaching my profile :
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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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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 08, 2023

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Sir, best SIP to invest in monthly basis having bugest of INR 10 TO 15K.
Ans: I have no idea about your age, future financial goals, your risk profile and your existing investments. So, while giving one suggested solution to you, I’m assuming that you’re young (less than 40 years of age), are open to equity investing, have a long term horizon of at least 7 years or more and would have the nerves to not get unduly perturbed if markets go temporarily down.

Very first point to note is that when you write that you’re investing for 20 years, please do imbibe it into your thinking too that you’re in it for a very long term. Typically, investors change their investing horizon as per the market conditions – if markets remain good, they’re long term players, if markets turn down, they start exiting in panic and become short term players. Please remember that markets will always give great returns only if you ‘spend time in the markets, rather than try timing the market’.

Since you’re just 37 years old, you have a huge age advantage (those younger have even more advantage!) – use it to your benefit. I have no idea about your other investments, your future financial goals and your risk profile (implying how much volatility are you comfortable with in the markets).

So, I’m just giving you a high-equity portfolio which is a long term portfolio but needs to be reviewed and maybe rebalanced every year. I’m also assuming that you have no other funds or equity.
The portfolio that I would suggest is:-
1. Large Cap - 20% of SIP amount - HDFC Index Fund
2. Flexicap – 20% - Parag Parikh Flexicap Fund
3. Midcap – 20% - Kotak Emerging Equity Fund
4. Aggressive Hybrid – 20% - Canara Robeco Equity Hybrid Fund
5. Small Cap – 20% - SBI Small Cap Fund

In the above portfolio, the last, Small Cap category, will be very volatile and you will need to get used to it. If you’re not up to its gyrations, stick to first four with 25% allocation each.

..Read more

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Sir I want to invest in sip as I am targeting to get 1 cr in 10 years. In which sip should I invest and how much amount monthly
Ans: Congratulations on your commitment to financial planning! Let's embark on a journey to design a strategic investment plan that aligns with your long-term goals.

Assessment of Financial Goals

Understanding your financial aspirations is crucial for devising an effective investment strategy. By comprehensively assessing your goals, risk tolerance, and investment horizon, we can tailor a plan to suit your needs.

Evaluation of Current Financial Situation

Before charting the course ahead, let's evaluate your current financial landscape. This involves analyzing your income, expenses, existing investments, and liabilities to gain a holistic understanding of your financial standing.

Strategic Asset Allocation

Based on your risk appetite and investment horizon, we'll craft a diversified portfolio comprising a mix of asset classes such as equities, debt instruments, and alternative investments. This balanced approach aims to optimize returns while mitigating risks.

Benefits of Actively Managed Funds

Actively managed funds offer several advantages over passive index funds or ETFs. They are overseen by experienced fund managers who actively research and select investments, aiming to outperform the market. This proactive approach can potentially generate higher returns and adapt to changing market conditions.

Risks of Direct Funds vs. Benefits of Regular Funds through MFD with CFP Credential

Investing directly in mutual funds may seem convenient, but it comes with inherent risks such as lack of professional guidance, emotional decision-making, and inadequate diversification. On the other hand, investing through a Certified Financial Planner (CFP) accredited Mutual Fund Distributor (MFD) offers several benefits, including personalized advice, goal-oriented planning, and access to a diversified range of funds tailored to your needs.

Exploring Investment Avenues

With a strategic framework in place, let's explore various investment avenues suited to your goals and risk profile:

Equity Mutual Funds: These funds offer long-term growth potential by investing in a diversified portfolio of stocks across different market segments. They are ideal for investors with a higher risk appetite and a long-term investment horizon.

Debt Mutual Funds: Debt funds provide stability and regular income through investments in fixed-income securities such as government bonds, corporate bonds, and money market instruments. They are suitable for conservative investors seeking capital preservation and steady returns.

Systematic Investment Plans (SIPs): SIPs offer a disciplined approach to investing, allowing you to invest small amounts regularly over time. This systematic investment strategy harnesses the power of compounding and helps in rupee cost averaging, reducing the impact of market volatility.

Conclusion

By adopting a strategic investment approach, leveraging the expertise of a Certified Financial Planner (CFP), and diversifying your portfolio across various asset classes, you can pave the way for long-term financial success and achieve your life goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Sir i want to start a sip for 5k please suggest an sip for a long term investment. Current sip amount is 1k in hdfc mid cap opp. My age is 20
Ans: It's great to see your interest in starting a SIP at such a young age! Since you're already investing in HDFC Mid Cap Opportunities Fund, let's explore some other SIP options for long-term investment:

Large Cap Funds: Consider investing in large-cap funds, which typically invest in well-established companies with a proven track record. These funds offer stability and steady growth potential over the long term. Look for funds with a consistent performance history and a focus on quality stocks.
Multi-Cap Funds: Multi-cap funds invest across companies of different sizes, offering diversification and flexibility. These funds have the freedom to shift between large-cap, mid-cap, and small-cap stocks based on market conditions. Choose a fund with a seasoned fund manager and a disciplined investment approach.
Index Funds: Index funds replicate the performance of a specific market index, such as the Nifty 50 or Sensex. These funds have lower expense ratios and provide broad market exposure. Investing in index funds can be a cost-effective way to participate in the equity markets over the long term.
Balanced Advantage Funds: Balanced advantage funds dynamically allocate between equity and debt based on market valuations. These funds aim to provide stable returns with lower volatility. Consider investing in a balanced advantage fund for a balanced risk-return profile.
Global Funds: Global funds invest in international equities, providing exposure to global markets and diversification beyond domestic stocks. These funds offer the opportunity to benefit from global economic growth and innovation. Choose a global fund with a focus on quality companies and strong fundamentals.
Before selecting a SIP, assess your risk tolerance, investment goals, and time horizon. Consult with a Certified Financial Planner or investment advisor to choose a SIP that aligns with your financial objectives and risk profile. By starting early and investing consistently, you're laying the foundation for long-term wealth creation and financial security. Keep up the good work, and best of luck with your investment journey!

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Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

Money
Hello Sir.. I am 44 years old and don't have any investment but now wanted to invest in limited SIP and can invest 30K every month onwards for next 10 years Please suggest what amount and which SIP should I select?
Ans: At 44 years of age, investing Rs. 30,000 monthly for the next 10 years can help you build a substantial corpus. The plan will ensure wealth creation while maintaining a balance between risk and return. Let’s analyse the best approach for your financial journey.

Setting the Foundation: Your Investment Goals and Risk Appetite
Define Clear Goals

List your financial goals: retirement, children’s education, or wealth creation.
This helps in aligning investments with timelines and objectives.
Understand Your Risk Tolerance

At 44, you have a medium-term horizon of 10 years.
A mix of aggressive and moderate risk funds suits this duration.
Plan for Diversification

Diversification reduces risks and optimises returns.
Split investments into large-cap, mid-cap, small-cap, and hybrid funds.
Optimal Monthly Allocation of Rs. 30,000
Large-Cap Funds (Rs. 7,500)

Focus on stability with established companies.
Large-cap funds are resilient during market volatility.
Large and Mid-Cap Funds (Rs. 6,000)

Combine stability with moderate growth potential.
These funds are ideal for medium-term horizons.
Flexi-Cap Funds (Rs. 6,000)

Flexi-cap funds invest across market capitalisations.
They balance risk and growth, making them versatile.
Mid-Cap Funds (Rs. 5,000)

Mid-cap funds offer higher growth potential.
Invest for higher returns with a manageable level of risk.
ELSS Tax-Saving Funds (Rs. 5,500)

These funds provide tax benefits under Section 80C.
ELSS has a lock-in of 3 years and offers equity-like growth.
Benefits of SIP Investing
Rupee Cost Averaging

SIPs buy more units when markets fall and fewer when they rise.
This reduces the overall cost of investment over time.
Power of Compounding

Compounding grows wealth exponentially when you stay invested.
Reinvestment of returns boosts your corpus significantly.
Market Discipline

SIPs promote regular investments irrespective of market movements.
This ensures systematic wealth accumulation.
Active Fund Management Over Index Funds
Why Actively Managed Funds?

Actively managed funds outperform index funds over the long term.
Professional fund managers adapt to market trends effectively.
Drawbacks of Index Funds

Index funds lack flexibility during market downturns.
They mirror the index, limiting growth opportunities in bearish phases.
Benefits of Regular Plans with CFP Guidance

Regular plans come with advisory support and regular portfolio reviews.
A Certified Financial Planner ensures optimal fund selection and rebalancing.
Monitoring and Rebalancing Investments
Annual Portfolio Review

Review fund performance every year to ensure alignment with goals.
Replace underperforming funds promptly with better alternatives.
Asset Allocation Rebalancing

Adjust equity and debt exposure based on market conditions.
Move to safer options in the later years as you near your goal.
Tax-Efficient Withdrawals

Plan withdrawals systematically to minimise tax liabilities.
Use systematic withdrawal plans (SWPs) for tax-efficient regular income.
Building a Medical Corpus for Contingencies
Separate Health Fund

Allocate a part of savings for medical emergencies.
Health-related costs should not disturb your investment goals.
Health Insurance Optimisation

Even if health coverage is minimal, top-up plans can reduce financial stress.
Use your investment surplus for medical contingencies if needed.
Taxation of Mutual Funds
Equity Funds

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Funds

Gains are taxed based on your income tax slab.
Debt funds are best for risk-averse investors nearing retirement.
Tax-Saving ELSS Funds

ELSS investments help you save taxes under Section 80C.
They provide dual benefits of tax savings and long-term growth.
Preparing for Long-Term Financial Independence
Retirement Focus

Allocate part of your corpus to retirement.
Ensure a balance between immediate goals and post-retirement needs.
Emergency Fund Creation

Build a corpus for at least six months of expenses.
Keep it in a savings account or liquid fund for easy access.
Nomination and Will

Assign nominees for all investments.
Create a legally valid will to avoid complications in asset transfer.
Final Insights
Investing Rs. 30,000 monthly through SIPs is a disciplined approach to wealth creation. Diversify investments into equity-oriented funds for growth and tax-saving funds for benefits. Periodically review and adjust your portfolio for better results. Seek guidance from a Certified Financial Planner to ensure that your investments align with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Latest Questions
Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Sir my son scored 250/750 in cuet pcm he unreserved male candidate is there any chance pf him getting bhu chemistry honours
Ans: Prakhar Sir, Your Son's CUET score of 250/750 falls well below the general?category cutoff for B.Sc (Hons.) Chemistry at BHU (344 in Round 4) . Admission to BHU Chemistry Honours is therefore not feasible. However, you can consider the following ten universities where the closing CUET marks for B.Sc Chemistry programs have historically been at or below 250, offering assured admission with your score. All are UGC?recognized, maintain modern chemistry laboratories, qualified faculty, active placement/support cells and accreditation by NAAC or equivalent bodies:

Central University of Jammu – Integrated B.Sc + M.Sc (Chemistry): general cutoff 120–90 marks

Pondicherry University – B.Sc (Hons.) Chemistry: general cutoff 91–217 marks

Central University of Karnataka – B.Sc Chemistry (approx. cutoff 180–230)

Central University of Kerala – B.Sc Chemistry (approx. cutoff 150–210)

University of Allahabad – B.Sc Chemistry (approx. cutoff 200–240)

University of Lucknow – B.Sc Chemistry (approx. cutoff 190–235)

University of Madras – B.Sc Chemistry (approx. cutoff 180–225)

University of Mumbai – B.Sc Chemistry (approx. cutoff 170–220)

Gujarat University – B.Sc Chemistry (approx. cutoff 160–215)

University of Calicut – B.Sc Chemistry (approx. cutoff 140–200)

Recommendation: Prioritise the Central University of Jammu Integrated Chemistry programme for its low cutoff, seamless M.Sc integration and strong research labs. Next choose Pondicherry University for its national ranking, dedicated chemistry infrastructure and placement record. Then opt for Central University of Karnataka’s B.Sc Chemistry for balanced academics and laboratory exposure. Finally, consider University of Kerala and University of Allahabad for their long?standing departments, experienced faculty, and active student support services. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Hii sir I got 76.58 percentile in my cet exam what colleges will I get for cs/it in mumbai i am from ews category
Ans: With a 76.58 percentile in MHT-CET under the EWS category and Maharashtra domicile, assured admission through CAP rounds is available at the following ten Mumbai?area institutes whose last?round EWS closing percentiles historically fall at or below your score. These colleges maintain AICTE approval, NAAC/NBA accreditation, modern labs, experienced faculty and placement cells recording 70–85 percent consistency in CSE/IT programs over the past three years:

Vivekanand Education Society’s Institute of Technology, Chembur (NAAC A, IT & CSE EWS cutoff ~75–80 percentile)
Thakur College of Engineering & Technology, Kandivali East (NAAC A, CSE/IT EWS cutoff ~70–75 percentile)
Fr. C. Rodrigues Institute of Technology, Vashi (NAAC A, CSE/IT EWS cutoff ~65–75 percentile)
Rajiv Gandhi Institute of Technology, New Panvel (NAAC A, IT EWS cutoff ~70–78 percentile)
VIVA Institute of Technology, Virar Road (NAAC A, CSE/IT EWS cutoff ~72–80 percentile)
K. J. Somaiya College of Engineering, Vidyavihar (NAAC A, IT EWS cutoff ~75–82 percentile)
SIES Graduate School of Technology, Nerul (NAAC A+, CSE/IT EWS cutoff ~78–85 percentile)
Don Bosco Institute of Technology, Kurla (NAAC A, IT EWS cutoff ~70–77 percentile)
SIES College of Engineering, Sion West (NAAC A, IT EWS cutoff ~80–88 percentile)
Rizvi College of Engineering, Bandra (NAAC A, IT EWS cutoff ~68–76 percentile). Prioritise Vivekanand Education Society’s Institute of Technology for its balanced accreditation, robust IT labs and consistent 80 percent placement support. Next select Thakur College Kandivali East for its flexible curriculum, industry linkages and 75 percent placements. Then opt for Fr. C. Rodrigues Vashi for its affordable fees, modern computing facilities and steady 70–75 percentability. Consider Rajiv Gandhi Institute New Panvel for its Navi Mumbai campus, reliable outcomes and core?IT focus. Finally, choose VIVA Institute Virar Road for its expanding recruiter network and supportive placement cell. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Dear Sir, My son has secured a seat for B. Tech in CSE (2025-29) in VIT Chennai. He is getting an opportunity for dual degree programme, which allows one to pursue engineering at BITS Pilani and a master's in management from BITS School of Management (BITSoM) Mumbai, simultaneously. Request your view that is this option of BE+PGDM dual degree course in 5 years from BITs is better than only B. Tech in 4 years from VIT? Kindly guide me. Regards,
Ans: Vikram Sir, Based on the following insights, please choose the better option for your son: The four-year B.Tech CSE at VIT Chennai, an A++ NAAC-accredited private university ranked 11th in Engineering by NIRF 2024, delivers core and elective modules in AI/ML, cybersecurity and cloud computing through 15+ specialized labs and a robust Career Development Center that facilitated 3,160 offers and ~90% placement assistance in 2025, with sustained industry tie-ups (LTTS, Nokia) and an active start-up incubator. The five-year BE + PGDM dual-degree from BITS Pilani (Pilani/Goa/Hyderabad) and BITSoM Mumbai combines a NAAC A++ & A++ B.E. curriculum vetted by ABET with a two-year PGDM in management, fostering technology-enabled leadership. BITS Pilani first-degree placements average ~90% with 82.8% for FD and industry giants (Google, Amazon) visiting annually; BITSoM secured 100% summer internships and 73–82% final placements for its inaugural cohorts, with average stipends of ?1.7 L/month and top recruiters (McKinsey, JP Morgan). The dual program’s strengths lie in cross-campus exposure, practice-school internships, global alumni networks, and management skill sets, yet incur higher total fees, necessitates one extra year and award a PGDM (not MBA), which may affect certain public-sector pathways. The VIT CSE offers a cost-effective, fast-track route into core computing roles with strong campus placements and research labs; opt for the BITS Pilani + BITSoM dual degree only if you value integrated management credentials, extended industry immersion and leadership grooming in a technology-business nexus, accepting the longer timeline and PGDM credential. All the BEST for Admission & a Prosperous Future!

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Relationship
I am married since 25 years and aged 45. In a fit of rage left home as all these years despite of giving whole life no body had ever recognised my efforts. My husband always lived abroad and I lived with my Mother in law and children managing everything alone. Being a working lady it was very tedious but still with pride I did so......Always I was asked wha did u do? A lot of support from my mom side also was given but even they were humiliated. In a fit of rage, disappointment I left home and lived in isolation giving space to myself for 20 days and during this time my MIL had brain stroke and was in ICU and the moment i got to know I rushed to hosptl but my husband and inlaws threw me out of home and hosptl making me responsible for her condition and death. Right now im living with my mom since a month and husband says he doesnt need me. I need him , i love him. I am shattered now. Please suggest what do i do? He is not ready to talk to me neother any of my sisters in law are. I am a working lady but family is equally important. Question on my character is also being raised. Kindly suggest
Ans: Dear Anonymous,
You need to ask yourself:
"I need my family, but does my family also need me? Have they needed me all these years?"
You are never going to get a medal for being the sacrificial lamb that you have been for so many years. If they are unable to understand even a small frustration of yours and question your character over it without even for once seeing all the things that you have done, should their thoughts and behavior not give you a clear indication as to what kind of a family you are married into?
You have not been valued and appreciated and from what you say that your husband and in laws threw you out of home, did your husband not think even once about his wife? You know the answers to all of this and as hard as it is to move from the label of a dutiful wife, daughter-in-law, think about what you are teaching your children...are you asking them to also succumb to disrespect and harsh judgements? Think hard and for once, think for yourself!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Relationship
I am 27 years old normal middle class girl , I have a family of 5 including my parents and one sister and brother. I am a software engineer earning 1 lakh. My mother is very happy and proud of me , but at the same time she has burdened me with over expectations . She asked me to renovate our old house , to which i happily agreed . But she kept asking for more. Because of her bad marriage she asked me not to marry , but i already have a boyfriend . I doubt that now more than the fear of marrying wrong person she is more afraid of the money which will be gone out of the house, if i marry someone. Because she never forbid marriage to my sister and brother , in fact she keeps planning for their marriage . i thought i will handle these problems later, by telling her that how nice my boyfriend is. Now the worst part is , she even asked me to buy flat for my brother , after i am done rennovating our house . I denied, which left her confused . But she never pushes my brother towards study and these days even my brother has become careless . She still thinks that my money is our family money forever, because I should never marry . I had several fights with her because I kept nagging her to ask my brother to study . Actually she thinks that I am brilliant and I should do everything for my brother, and my brother is not that intelligent like me . My mom is failed to understand that my brother is a lazy guy who doesn't want to study . She is not focused in overall growth of our family where everyone work hard, she is just happy that I started earning and it doesn't matter much that any other family member is earning or not . All these things are burdening me .
Ans: Dear Anonymous,
You have officially become the ATM for your family. Move out of home...You can always contribute some portion towards the family even by staying out BUT at least you will have a life to build and your brother will start to also become serious and build his career and think about supporting the family as well.
If you continue this way, your money, your time, your dreams will all be under your mother's control and this toxic environment will never allow you to have your dreams and your life. So act NOW!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Hello sir, pls revert my query, my last query was unanswered. My son has got BE civil in bits in iteration 1. His score is 231. What are further prospects of career and job in be civil
Ans: Sheetal Madam, Graduating in Civil Engineering from BITS Pilani opens diverse roles in structural design, infrastructure development, transportation planning, environmental management and geotechnical consulting, leveraging rigorous practice?school internships and industry?linked labs. Strong faculty mentorship and access to cutting-edge software (STAAD.Pro, Revit, Primavera) underpins skills in project lifecycle management and sustainable engineering. BITS Pilani’s UG placement rates have remained robust over the last three cohorts—91.8% (2021), 93.6% (2022) and 90.1% (2023)—with top recruiters like Larsen & Toubro and Jacobs engaging civil graduates. Specializations in smart-city planning, water resources and disaster resilience further enhance employability across public and private sectors.

Recommendation Leverage BITS Pilani’s practice-school exposure and campus placements by targeting structural and infrastructure consulting roles early, while pursuing certifications in BIM and green building. Engage in elective research projects on sustainable materials to strengthen candidature for leadership positions in urban development and multinational engineering firms. All the BEST for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |8777 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Hey, I wanted to ask you about Scaler School of Technology (SST). I have got selected for SST by writing uts NSET exam and have passed. I wanted to know is it really worth it, especially paying high fees. And also they dont offer Btech Engineering Degrees, yet their students are making it to top 1% In CSE Roles. How is the college different from other institutions? And is it Really Worth it??
Ans: Scaler School of Technology (SST), founded in 2023 by IIT alumni Anshuman Singh and Abhimanyu Saxena, offers a four-year residential B.Sc + M.Sc in Computer Science & AI through a UGC-recognized partner institute, alongside industry-embedded internships and mentorship by top engineering leaders. Admission via the Scaler National Scholarship & Entrance Test (NSET) plus interview ensures rigorous selection, with first-year tuition ranging from ?4.25–5 lakhs (total ~?17 lakhs) and merit-based NSET scholarships available. The curriculum is delivered in three phases: 18 months of fundamentals through live case studies; a year of paid industry immersion with 1 200+ career partners; and 18 months of specialization in senior engineering, ML/AI or algorithmic trading, complemented by one-on-one mentoring and soft-skill development. SST’s labs and on-campus facilities support hands-on projects, while its Career Centre reports a ~96% internship assistance rate and high conversion to top CSE roles within the first two years. Unlike conventional B.Tech programs, SST focuses exclusively on computer science (CS) and artificial intelligence (AI) without offering a B.Tech degree; however, graduates receive an EU-accredited M.Sc from Woolf University, which enables them to apply for master’s programs abroad and qualify for government exams. The high fees may strain budgets; this is mitigated by scouting scholarships, education loans, early NSET preparation, and leveraging SST’s corporate tie-ups for paid internships. SST’s limited intake ensures personalized attention but calls for proactive peer networking and co-curricular club participation to broaden horizons.

Recommendation: SST is worthwhile for those seeking an industry-centric, mentor-driven CS/AI pathway, provided you secure NSET scholarships and supplement the non-engineering degree with certification courses and active participation in developer communities to match traditional B.Tech credentials. All the BEST for Admission & a Prosperous Future!

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Relationship
Hi mam,im 38 years old and my husband 41 years old.we are joint family.My husband is in NRI and he comes to india yearly once.He have spend 45 days in a year only.we have two kids one kid is 5 years old and another kid is 8 years old.im staying with my mother in law.we got married since 2014.my husband not giving importance except financial advice.He is always supporting for his mother and his elder sister.Sometimes some conflicts between his mother and me.Many times i accept and give response for her age but sometimes she is speaking rudely.i cant control my anger and shows my anger to her its just 5 percent but 95 percentagd she is doing.whenever i told to my husband he told me that u are the reason for fight and u have to adjust all things.He give first preference for his mother and sister only.All parents are struggling to raise them but he talk that his mother only struggling and give this much life.His parents nothing do special .they are not do any specific or any special things.if i take and talk same like that what will happened.Some arguments and fight will come between us.he didnt accept his mothers mistake.He is good amma payan.And wherever we go he comes along with his mother.Im living with his mother for whole year even in his vacation time also he is not ready to spend some time with me and he didnt respect my feelings.Even lost year kerala trip also he comes along with his mother only.i told him wherever we goto temple we along with your mother but i need to spent time with you alone but he never listen my words and told that his mother never seen before this place.As a son can satisfying her expection.And my side all things doing with my parents is a certain limit.He is going toomuch for his mother and i want to tell one thing for 10 years of marriage life we didnt go any honeymoon trip also.wherever we go just nearby cinima shopping and nearby park we go alone and return back only.i want to spend with him what i have to do but he is not.i need some relief for my routine life.he never understood me.Kindly give some advice to rectify my problem.And in fronf of his son his mother spoke very polite and calm but with me very rude sometimes.I shows my anger with him and he gave me advice to his mother is oldage she is good and something.i got too much anger and fight with him.He always blaming me.What i have to do.
Ans: Dear Anonymous,
You have married a man who is stuck in an unhealthy relationship. Many homes have a case of the mother and son stuck together and this impacts the marriage. The son never wants to grow up and the mother does not allow the son to grow up. That way she can still have control over him and he enjoys all that attention.
Honestly the two of you need to go through Marriage Therapy with the spotlight on how to build a marriage that your husband has to learn. I don't know if your husband will agree to allow a third person to tell him that he's stuck in something and needs to move from there by growing up.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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