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I'm 45 and my retirement is 10 years away. How should I rebalance my portfolio?
Ramalingam Kalirajan |10872 Answers |Ask -Follow
Mutual Funds, Financial Planning Expert - Answered on Oct 18, 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
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 - Oct 17, 2024Hindi
I’m Kavita from Kochi. I am 45 years old, married with one daughter aged 17. We’ve been investing Rs 60,000 a month in a combination of mutual funds for her education and our retirement. How should I rebalance my portfolio with retirement just 10 years away?
Ans: It's great that you are planning ahead for both your daughter's education and your retirement. With just 10 years left until retirement, it’s essential to ensure that your portfolio is well-structured to meet both short-term and long-term needs.
Assessing Your Current Situation
You invest Rs 60,000 monthly in mutual funds.
You have two key financial goals: your daughter's education and your retirement.
Retirement is 10 years away.
At this stage, balancing growth and safety is important. You want your portfolio to grow, but without excessive risk as you approach retirement.
Evaluating Your Portfolio Allocation
For Your Daughter’s Education
Since your daughter is 17, higher education expenses are likely within the next 1-2 years. The priority for this part of your portfolio should be safety and liquidity.
Shift to Low-Risk Funds: If you are currently invested in equity mutual funds for her education, consider gradually shifting to more conservative options. Equity funds can be volatile, and you don't want her education fund affected by market downturns. Moving towards debt funds or liquid funds will help protect your capital and provide stability.
For Retirement Planning
You have 10 years until retirement, which is enough time to continue benefiting from equity markets. However, a full equity allocation can be risky as you approach retirement.
Balanced Approach: Instead of being fully invested in equities, consider a 60:40 split between equity and debt. This ratio offers both growth and safety. Equities will drive long-term growth, while debt will reduce volatility.
Focus on Large-Cap and Flexi-Cap Funds: These funds tend to be less volatile compared to small-cap or mid-cap funds. Large-cap funds invest in established companies, and flexi-cap funds offer the flexibility to adapt to changing market conditions.
Tax Efficiency
It's essential to manage your investments with tax efficiency in mind. Here’s how taxes will affect your portfolio:
Equity Mutual Funds: Long-term capital gains (LTCG) on equity funds above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.
Debt Mutual Funds: Gains are taxed as per your income tax slab, so be mindful of potential tax liabilities when shifting from equity to debt for safety.
Rebalancing Strategy
1. Immediate Focus: Daughter's Education Fund
Start reducing exposure to equity funds for the portion meant for her education.
Shift 75%-100% of her education fund to debt or liquid funds over the next 6-12 months. This ensures that her education fund is not affected by sudden market drops.
2. Retirement Fund Allocation
Gradually increase your allocation to safer investments over the next 5-7 years.
A good strategy could be reducing equity exposure by 5% every year, so by the time you retire, your portfolio is closer to 40% equity and 60% debt.
3. SIP Adjustments
You are currently investing Rs 60,000 monthly. Consider allocating more towards debt funds as you approach retirement.
For the next 5 years, continue a higher SIP allocation towards equity mutual funds.
After that, start shifting a portion of your SIPs into debt funds to reduce risk.
Emergency Fund
Make sure you maintain an emergency fund that can cover 6-12 months of expenses. This should be kept in highly liquid and low-risk investments such as savings accounts or liquid funds.
Health and Life Insurance
Since retirement is only 10 years away, ensure that you and your family are adequately insured:
Health Insurance: Ensure your health insurance covers both you and your family adequately, especially post-retirement. With rising medical costs, consider a top-up or super top-up plan if your current coverage seems insufficient.
Life Insurance: At 45, you still have a significant earning period ahead of you. Ensure your life insurance policy covers your liabilities and your family’s financial needs in your absence.
Aligning with Retirement Goals
When planning for retirement, the goal is not just to save but to create a steady income stream that can support your lifestyle.
Systematic Withdrawal Plan (SWP): Upon retirement, you could consider setting up an SWP to get a regular monthly income from your mutual funds.
Debt Funds for Retirement Income: Since debt funds are less volatile and provide consistent returns, they can be a reliable source of retirement income.
Final Insights
Prioritize safety for your daughter’s education fund by moving to debt or liquid funds.
Maintain a balanced portfolio with equity and debt for your retirement, shifting more towards debt as retirement nears.
Review your insurance to ensure you have adequate coverage.
Revisit your portfolio annually to adjust as per your changing risk tolerance and market conditions.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Assessing Your Current Situation
You invest Rs 60,000 monthly in mutual funds.
You have two key financial goals: your daughter's education and your retirement.
Retirement is 10 years away.
At this stage, balancing growth and safety is important. You want your portfolio to grow, but without excessive risk as you approach retirement.
Evaluating Your Portfolio Allocation
For Your Daughter’s Education
Since your daughter is 17, higher education expenses are likely within the next 1-2 years. The priority for this part of your portfolio should be safety and liquidity.
Shift to Low-Risk Funds: If you are currently invested in equity mutual funds for her education, consider gradually shifting to more conservative options. Equity funds can be volatile, and you don't want her education fund affected by market downturns. Moving towards debt funds or liquid funds will help protect your capital and provide stability.
For Retirement Planning
You have 10 years until retirement, which is enough time to continue benefiting from equity markets. However, a full equity allocation can be risky as you approach retirement.
Balanced Approach: Instead of being fully invested in equities, consider a 60:40 split between equity and debt. This ratio offers both growth and safety. Equities will drive long-term growth, while debt will reduce volatility.
Focus on Large-Cap and Flexi-Cap Funds: These funds tend to be less volatile compared to small-cap or mid-cap funds. Large-cap funds invest in established companies, and flexi-cap funds offer the flexibility to adapt to changing market conditions.
Tax Efficiency
It's essential to manage your investments with tax efficiency in mind. Here’s how taxes will affect your portfolio:
Equity Mutual Funds: Long-term capital gains (LTCG) on equity funds above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.
Debt Mutual Funds: Gains are taxed as per your income tax slab, so be mindful of potential tax liabilities when shifting from equity to debt for safety.
Rebalancing Strategy
1. Immediate Focus: Daughter's Education Fund
Start reducing exposure to equity funds for the portion meant for her education.
Shift 75%-100% of her education fund to debt or liquid funds over the next 6-12 months. This ensures that her education fund is not affected by sudden market drops.
2. Retirement Fund Allocation
Gradually increase your allocation to safer investments over the next 5-7 years.
A good strategy could be reducing equity exposure by 5% every year, so by the time you retire, your portfolio is closer to 40% equity and 60% debt.
3. SIP Adjustments
You are currently investing Rs 60,000 monthly. Consider allocating more towards debt funds as you approach retirement.
For the next 5 years, continue a higher SIP allocation towards equity mutual funds.
After that, start shifting a portion of your SIPs into debt funds to reduce risk.
Emergency Fund
Make sure you maintain an emergency fund that can cover 6-12 months of expenses. This should be kept in highly liquid and low-risk investments such as savings accounts or liquid funds.
Health and Life Insurance
Since retirement is only 10 years away, ensure that you and your family are adequately insured:
Health Insurance: Ensure your health insurance covers both you and your family adequately, especially post-retirement. With rising medical costs, consider a top-up or super top-up plan if your current coverage seems insufficient.
Life Insurance: At 45, you still have a significant earning period ahead of you. Ensure your life insurance policy covers your liabilities and your family’s financial needs in your absence.
Aligning with Retirement Goals
When planning for retirement, the goal is not just to save but to create a steady income stream that can support your lifestyle.
Systematic Withdrawal Plan (SWP): Upon retirement, you could consider setting up an SWP to get a regular monthly income from your mutual funds.
Debt Funds for Retirement Income: Since debt funds are less volatile and provide consistent returns, they can be a reliable source of retirement income.
Final Insights
Prioritize safety for your daughter’s education fund by moving to debt or liquid funds.
Maintain a balanced portfolio with equity and debt for your retirement, shifting more towards debt as retirement nears.
Review your insurance to ensure you have adequate coverage.
Revisit your portfolio annually to adjust as per your changing risk tolerance and market conditions.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.
TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!
Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.
TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!
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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.
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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025
I am a neet aspirant
Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi
Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.
Good luck.
Follow me if you receive this reply.
Radheshyam
Good luck.
Follow me if you receive this reply.
Radheshyam
Asked on - Dec 06, 2025 | Answered on Dec 07, 2025
Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student
Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.
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