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Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 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
Asked by Anonymous - Jun 18, 2024Hindi
Money

Sir my salary is 50k per month.Due to some unavoidable situations I had to take Bajaj finance,cred and loan on HDFC credit card.Emi for Bajaj finance is 12k,cred is 8k and HDFC credit card due amount is 145000...because of this iam not able to manage household expenses and I have a 3 years baby too...please let me know a better way to come out of these debts...

Ans: Thank you for sharing your situation with me. Managing debt can be challenging, especially when it impacts your household expenses and family responsibilities. It's essential to approach this with a structured plan to regain control of your finances. Here’s how we can create a roadmap to help you tackle your debts effectively and ensure a stable financial future for you and your family.

Understanding Your Current Financial Situation
Before diving into solutions, let's outline your current financial position:

Income and Expenses:

Monthly Salary: Rs 50,000
EMI for Bajaj Finance: Rs 12,000
EMI for Cred: Rs 8,000
HDFC Credit Card Outstanding: Rs 1,45,000
Household and Living Expenses:

With significant EMIs, managing household expenses on the remaining income is challenging.
You have a three-year-old child, which means essential expenses like childcare, food, and utilities are non-negotiable.
Analyzing the Debt and Its Impact
Breakdown of Debt
Bajaj Finance Loan:

EMI: Rs 12,000
This loan is a significant chunk of your monthly budget.
Cred Loan:

EMI: Rs 8,000
Adding to your financial burden with another large EMI.
HDFC Credit Card Debt:

Outstanding Amount: Rs 1,45,000
Credit card debt usually has high interest rates, making it crucial to address quickly.
Impact on Monthly Cash Flow
After deducting EMIs (Rs 20,000) from your salary (Rs 50,000), you are left with Rs 30,000 for all other expenses. Managing household expenses with this remaining amount can be tight, particularly with the needs of a young child.

Steps to Manage and Reduce Your Debt
To effectively manage and reduce your debt, consider the following structured approach:

1. Create a Realistic Budget
Assess Your Monthly Expenses:

List all necessary expenses like rent, utilities, groceries, and childcare.
Identify discretionary expenses that can be reduced or eliminated.
Prioritize Spending:

Focus on essential expenses and allocate funds to high-priority areas first.
Plan a budget that accounts for your fixed costs and allows you to allocate a portion towards debt repayment.
2. Consolidate Your Debts
Debt Consolidation Loan:

Consider taking a personal loan with a lower interest rate to pay off high-interest credit card debt.
This can simplify your payments into one monthly EMI, potentially lower than your current combined EMIs.
Balance Transfer for Credit Card Debt:

Look for credit cards offering low or zero interest rates on balance transfers.
Transfer the HDFC credit card balance to such a card to reduce interest and focus on repaying the principal.
3. Negotiate with Creditors
Request EMI Restructuring:

Contact Bajaj Finance and Cred to explore options for extending the loan term or reducing EMI amounts temporarily.
Explain your situation and negotiate for more manageable terms.
Seek Interest Rate Reduction:

Talk to your credit card issuer (HDFC) to see if they can lower your interest rate.
Some creditors offer hardship programs that may reduce your interest rates or pause payments temporarily.
4. Increase Your Income
Explore Side Income Opportunities:

Consider freelance work, part-time jobs, or monetizing a hobby to supplement your income.
Look for opportunities that do not require significant upfront investment.
Seek Salary Increment or Promotion:

Discuss with your employer the possibility of a raise or promotion.
Highlight your contributions and the value you bring to the company.
5. Optimize Your Expenses
Cut Non-Essential Spending:

Reduce or eliminate spending on non-essential items like dining out, subscriptions, and entertainment.
Focus on necessary expenditures to free up more cash for debt repayment.
Look for Savings on Essentials:

Shop for groceries in bulk, use coupons, and find deals to lower your monthly expenses.
Consider switching to more affordable service providers for utilities or insurance.
6. Set Up a Debt Repayment Plan
Snowball Method:

Prioritize paying off smaller debts first while making minimum payments on larger ones.
This approach provides psychological wins and motivates continued progress.
Avalanche Method:

Focus on paying off high-interest debts first, which saves more on interest over time.
This method reduces the overall cost of your debt faster.
Hybrid Approach:

Combine both methods by paying off a high-interest small debt first, then proceed with the avalanche method.
This gives a quick win while focusing on reducing interest payments.
7. Emergency Fund Creation
Set Aside a Small Emergency Fund:

Build a modest emergency fund (Rs 10,000 - Rs 20,000) to cover unexpected expenses.
This prevents you from incurring new debt for emergencies.
Gradually Increase the Fund:

Once immediate debts are under control, aim to grow this fund to cover 3-6 months of living expenses.
This provides a financial cushion and enhances long-term stability.
8. Seek Professional Financial Advice
Consult a Certified Financial Planner (CFP):

A CFP can offer personalized strategies for debt reduction and financial management.
They can help you create a sustainable plan to meet your financial goals and obligations.
Debt Management Services:

Consider reputable debt management services that negotiate with creditors and help consolidate payments.
Ensure you understand the fees and terms before committing to any service.
Psychological and Emotional Considerations
Debt can be stressful and affect your mental well-being. Here are ways to manage this aspect:

1. Stay Positive and Patient
Focus on Small Wins:

Celebrate small achievements like paying off a loan or reducing outstanding debt.
These milestones keep you motivated and reinforce progress.
Maintain a Long-Term Perspective:

Understand that debt repayment is a gradual process requiring time and discipline.
Stay committed to your plan, and remember that each payment brings you closer to financial freedom.
2. Seek Support from Loved Ones
Communicate with Your Partner:

Discuss your financial situation openly with your spouse or family members.
Their support can provide emotional relief and practical help.
Join Support Groups:

Consider joining online or local groups focused on debt management and financial wellness.
Sharing experiences with others facing similar challenges can provide encouragement and new strategies.
Final Insights
Managing and reducing your debt requires a multifaceted approach involving budgeting, consolidation, income optimization, and disciplined repayment. By taking these steps, you can regain control over your finances and alleviate the stress caused by debt.

Regularly review your progress and adjust your plan as needed. Seek guidance from certified professionals to tailor strategies specific to your situation. With persistence and a structured approach, you will overcome this financial challenge and build a secure future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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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Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 11, 2024

Money
Hello Sir, My in hand salary is 98000 but loan EMIs and Credit Card bills are 1.75 lacs. I don't have have savings due to multiple medical issues in my family from the 3-4 years. Im heart patient as well. Can you please guide me the way to com out from my debts. Thanks
Ans: I appreciate your courage in sharing your situation. Managing financial stress, especially with health issues, is challenging. Let's create a practical plan to help you get out of debt and build a secure financial future.

Understanding Your Financial Situation
Monthly Income: Rs 98,000
Monthly Debt Obligations: Rs 1.75 lakhs
Savings: None due to medical expenses
Immediate Steps to Manage Debt
Assessing Your Debt
Total Debt: Calculate the total amount owed, including all loan EMIs and credit card bills.
Interest Rates: Identify the interest rates for each debt. Prioritize high-interest debts first.
Budgeting and Expense Management
Create a Budget: List all your essential monthly expenses (food, utilities, rent, etc.). Identify non-essential expenses that can be reduced or eliminated.
Track Spending: Use a notebook or an app to track every rupee spent. This will help you identify areas to cut costs.
Prioritizing Debt Repayment
High-Interest Debt First
Credit Cards: These often have the highest interest rates. Focus on paying more than the minimum due to reduce principal faster.
Personal Loans: Once high-interest debts are managed, focus on personal loans.
Debt Consolidation Options
Debt Consolidation Loan: Consider taking a personal loan to consolidate high-interest debts into a single loan with a lower interest rate.
Balance Transfer: Transfer your credit card balance to a card with a lower interest rate, if possible.
Negotiating with Creditors
Contact Creditors: Explain your financial situation to your creditors. Request lower interest rates or a temporary reduction in monthly payments.
Debt Settlement: If negotiation fails, consider debt settlement. This involves negotiating a lump sum payment that is less than the total amount owed.
Increasing Your Income
Exploring Additional Income Sources
Freelancing: Use skills like writing, graphic design, or tutoring to earn extra income. Platforms like Upwork and Freelancer can help.
Part-Time Jobs: Look for part-time work that fits your schedule. Delivery services, tutoring, or online customer support jobs can provide additional income.
Leveraging Existing Skills
Skill Enhancement: Invest time in enhancing skills that can increase your earning potential. Online courses on platforms like Coursera or Udemy can be helpful.
Networking: Connect with professionals in your field who can offer freelance opportunities or part-time work.
Managing Health and Finances
Health Insurance
Review Existing Policies: Ensure that you and your family have adequate health insurance coverage to reduce out-of-pocket medical expenses.
Government Schemes: Explore government health schemes that may offer assistance with medical costs.
Long-Term Financial Planning
Building an Emergency Fund
Start Small: Once debts are under control, start building an emergency fund. Aim for at least 3-6 months’ worth of living expenses.
Consistency: Contribute a small, consistent amount each month to this fund.
Investing for the Future
Mutual Funds: After stabilizing your finances, consider investing in mutual funds for long-term growth. Start with small SIPs (Systematic Investment Plans).
Professional Guidance: Consult a Certified Financial Planner to choose the right funds and investment strategy based on your risk profile and goals.
Addressing Emotional and Psychological Stress
Seeking Support
Family and Friends: Share your concerns with trusted family members or friends who can offer support and advice.
Counseling: Consider seeking help from a financial counselor or a therapist to manage stress and develop coping strategies.
Positive Mindset
Focus on Progress: Celebrate small milestones in your debt repayment journey. Each step brings you closer to financial freedom.
Stay Motivated: Remind yourself of your long-term goals, like owning a home or securing a stable financial future.
Exploring Government and NGO Assistance
Government Schemes
Debt Relief Programs: Research if there are any government debt relief programs available that you may qualify for.
Subsidies and Grants: Explore government subsidies or grants that can assist with medical expenses or other financial needs.
Non-Governmental Organizations
Financial Assistance: Some NGOs offer financial assistance or low-interest loans to individuals in financial distress.
Medical Aid: Look for NGOs that provide support for medical expenses.
Planning for a Sustainable Future
Education and Skill Development
Lifelong Learning: Continue learning and upgrading your skills to increase job opportunities and earning potential.
Certifications: Obtain certifications in your field to enhance your qualifications and career prospects.
Financial Literacy
Financial Education: Educate yourself on personal finance, budgeting, and investing. Books, online courses, and workshops can be valuable resources.
Smart Financial Decisions: Apply your knowledge to make informed financial decisions, avoiding high-interest debt and building savings.
Practical Tips for Financial Discipline
Avoiding High-Interest Debt
Credit Card Usage: Use credit cards sparingly and only if you can pay the full balance each month to avoid interest charges.
Loans: Avoid taking new loans unless absolutely necessary. Focus on repaying existing debts first.
Regular Financial Review
Monthly Check-In: Review your financial situation monthly. Adjust your budget and spending as needed to stay on track.
Annual Goals: Set annual financial goals and review your progress at the end of each year.
Final Insights
Getting out of debt while managing health issues is challenging, but it is possible with a structured plan and disciplined approach. Prioritize paying off high-interest debt first, consider debt consolidation, and explore additional income sources. Manage expenses carefully and seek professional advice to develop a sustainable financial strategy.

Invest in your skills and financial education to improve your long-term earning potential. Seek support from family, friends, and professional counselors to manage emotional stress. Utilize government schemes and NGO assistance to alleviate financial burdens.

Remember, every step you take towards financial stability is progress. Stay focused on your goals, maintain a positive mindset, and celebrate small achievements along the way. With determination and careful planning, you can overcome your financial challenges and build a secure and prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9569 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 01, 2025

Asked by Anonymous - Jun 01, 2025
Money
I have a loan of 9 lakhs, monthly emi 26k, trying to pay with credit cards and taken from others, my salary goes to take care of my family needs only, this 10 lakhs is additional for which no source of income, credit card bills are getting another burden to me, max I can clear EMI of loan for another 2months with extra 2.5lakhs credit card due!! Please suggest me a way to come out from this debt trap! Friends & relatives are not going to help! I alone should struggle to clear these loans! Already working for more than 12hours for my livelihood, so no time to work extra, what to do? How to clear the loans?
Ans: You are carrying a huge burden. Still, you are not giving up. That shows strength.

Now, we need a 360-degree plan to escape this debt trap.

This answer is detailed, practical, and designed to rebuild your financial life.

1. Understand Your Current Debt Burden

Rs. 9 lakhs loan with Rs. 26,000 monthly EMI.

Rs. 2.5 lakhs credit card dues added pressure.

No savings. No help from others.

You are using credit cards to pay EMIs.

This cycle is dangerous and needs to stop now.

2. Respect Your Courage First

You are working over 12 hours every day.

You are managing home needs and family.

Even in this pressure, you are still standing.

You deserve appreciation for not running away.

That self-discipline is your biggest asset.

3. The Truth – You Cannot Continue Like This

This debt trap will grow every month.

Credit card interest is above 36% yearly.

Paying EMI from cards creates bigger problem.

In 2 months, situation will get worse.

4. Take Control – Accept Reality First

You cannot solve this by earning more.

You have no time to work extra.

You must now reset your financial structure.

5. Step One – STOP Using Credit Cards Immediately

Do not swipe them again for anything.

Do not use cards to pay EMI.

Do not pay minimum due only. Pay in full if possible.

6. Step Two – List All Your Debts

Make a simple sheet with 3 columns:

  • Amount you owe
  
  • Monthly EMI or bill
  
  • Interest rate

List loan, credit cards, other dues separately.

This gives you full picture of your debt.

7. Step Three – Prioritise Debt Based on Risk

Credit cards come first – they have highest interest.

Unsecured loans come next.

Family debts come last.

8. Step Four – Approach the Lender for Loan Restructuring

Contact the bank or NBFC where you have loan.

Ask for “restructuring” under RBI’s personal loan scheme.

They may allow:

  • Lower EMI for longer term
  
  • Temporary EMI holiday for few months

You need to write a request letter to them.

Mention your financial stress and genuine intention to repay.

9. Step Five – Convert Credit Card to Personal Loan

Most banks allow this.

Convert the Rs. 2.5 lakhs into term loan.

That gives fixed EMI and stops interest growth.

Interest on term loan is lesser than card interest.

10. Step Six – Avoid Minimum Payments on Cards

Paying only minimum keeps the card running.

But interest keeps growing every month.

Within 6 months, amount doubles.

11. Step Seven – STOP Any Fresh Loans

Don’t take new loans to repay old ones.

This is not a solution. This is poison.

12. Step Eight – Talk to a Certified Financial Planner

A CFP will guide debt restructuring.

He will suggest repayment plan based on cash flow.

You cannot handle this stress alone.

13. Step Nine – Cut All Non-Essential Expenses

Reduce phone recharge, DTH, fuel usage.

Postpone all festivals, trips, functions, purchases.

Stop all online shopping, gifts, donations temporarily.

14. Step Ten – Pause All Investments for Now

If you are doing SIPs, stop them temporarily.

Your priority now is to clear debts.

SIP can restart later when stable.

15. Step Eleven – Build Emergency Cushion Slowly

Even in tight cash flow, save Rs. 500/month.

Keep in a separate savings account.

This avoids using card for small needs.

16. Emotional Discipline is Now Your Biggest Tool

Say “No” without guilt to social pressure.

Your family must know your full financial truth.

Be honest and take them into confidence.

17. No Shortcuts – Avoid These Traps

Don’t try day trading or crypto schemes.

Don’t fall for quick-money jobs or part-time scams.

Don’t apply for payday loans online.

18. Use Professional Help If Required

There are RBI-registered debt resolution agencies.

They negotiate with banks on your behalf.

They may reduce interest or combine loans.

19. Stay Away from Informal Money Lenders

Never take from local agents or unlicensed lenders.

They can become dangerous if unpaid.

20. Sell Unused Assets If Any

Do you have gold, gadgets, or vehicle?

If not essential, sell to reduce debt.

A temporary sacrifice gives long-term peace.

21. Speak to Employer If Trusted

Some companies offer salary advance or loan.

Check if your HR has such policy.

Keep repayment terms clear and transparent.

22. Review All Bank Accounts

Do you have any FD or RD?

Break it and use it to clear debt.

23. Debt Avalanche Method – Use When Situation Stabilises

Once stable, start paying highest interest loan first.

After that, clear next highest.

24. Inform Lender Before You Default

If you miss EMI, inform bank in writing.

Don’t avoid calls. That worsens credit record.

25. Start Rebuilding Credit Score After 6 Months

Once you close credit card debt, wait 6 months.

Keep one card with Rs. 5,000 limit.

Use it once a month and pay full.

26. Remember – This Pain is Temporary

You are in deep stress today.

But your mindset is strong.

You are ready to act.

That alone can bring you out of this trap.

27. Final Insights

Your life is more valuable than this debt.

You have already proven hard work.

Now you must build financial wisdom.

Stop credit card use immediately.

Speak to lender. Ask for EMI restructuring.

Convert credit card dues into lower-interest loan.

Cut expenses. Postpone luxuries.

Pause investments till loan burden is reduced.

Set a monthly budget. Stick to it.

Don’t give up. Don’t lose hope.

Within 12 months, you can come out.

After that, you will feel proud.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

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Sir can you please rank IIIT Allahabad ECE , Gwalior EEE, Lucknow CSE+specialization, Jabalpur CSE and Kanchipuram CSE
Ans: Nishita, Evaluating the five IIIT programs reveals distinct strengths across faculty quality, research infrastructure, placement consistency, academic standards, and industry recognition. IIIT Lucknow in Uttar Pradesh offers B.Tech CSE with specializations including AI, business, and cybersecurity, achieving a remarkable 96.17% placement rate in 2025 with the highest package at Rs.145 LPA and the average at Rs.33.71 LPA, supported by 45+ PhD faculty and specialized research labs. IIIT Allahabad in Uttar Pradesh provides B.Tech ECE with strong electronics curriculum, NIRF rank #87 in Engineering 2024, 93% placement rate with highest Rs.121 LPA and average Rs.25.78 LPA, backed by globally-recognised faculty and research publications. IIITDM Jabalpur in Madhya Pradesh delivers CSE with design-manufacturing focus, over 60 PhD faculty, 71.8% placement rate with highest Rs.122 LPA international (?110 LPA domestic) and average Rs.19.27 LPA UG, featuring robust industry collaborations and 13 CSE department faculty. IIIT Gwalior (IIITM) in Madhya Pradesh offers EEE with 100% PhD faculty strength and 80–90% placement rates, with the highest at Rs. 65 LPA and an average of Rs. 20.56 LPA, supported by research-intensive programs and a diverse recruiter base. IIITDM Kancheepuram near Chennai provides CSE with design specialization, over 80 PhD faculty from IITs, 73% placement rate with highest Rs.32 LPA and average Rs.9.37 LPA, though experiencing declining trends from 97% in 2022.

Recommendation: Prioritize IIIT Lucknow CSE for its exceptional 96% placement rate, highest average packages, comprehensive specialization options, and strong industry linkages; follow with IIIT Allahabad ECE for its prestigious NIRF ranking, established reputation, and solid core electronics foundation; consider IIITDM Jabalpur CSE for its unique design-manufacturing focus and international placement opportunities; opt for IIIT Gwalior EEE for its 100% PhD faculty strength and research excellence; and rank IIITDM Kancheepuram CSE last due to declining placement trends despite strong academic credentials and faculty qualifications. All the BEST for Admission & a Prosperous Future!

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Sir,does AI(Data Science) has opportunity in future like 2030 and what will be minimum salary after studying in amrita
Ans: Garena, Before answering your question, Please note that Return on Investment (ROI), regardless of the branch or college, is not determined solely by your choice of institution or program. Several other factors significantly influence it—such as consistent academic performance over the next four years, regular skill enhancement, soft skills development, awareness of job market trends, a well-built personal profile, and maintaining a professional LinkedIn presence with clear job search strategies. ANSWER to your question: By 2030, artificial intelligence and data science roles are expected to flourish as automation creates 11 million net new jobs globally and transforms 86 percent of businesses, underscoring strong long-term demand. Data scientist employment in the U.S. alone is projected to grow 36 percent from 2023 to 2033, far outpacing average occupations and signaling robust global opportunity. At Amrita Vishwa Vidyapeetham, Coimbatore, the CSE-Data Science branch recorded a 92 percent placement rate in 2024, with the lowest on-campus offer around ?2 LPA and a median salary of ?7.6 LPA across all streams.

Recommendation: Embrace a Data Science pathway at Amrita Coimbatore for its consistent placement performance, industry-aligned curriculum, and accessible entry-level salaries, ensuring a strong foundation in a rapidly expanding field through 2030 and beyond. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir my sister has option to take admission in Greater noida institute of technology cse with data science branch or she could get iet sitapur ece or she could get admission in gl bajaj mathura cse or niet cs with cyber security what should she aim for according to future needs and job opportunities
Ans: Dhueh, Greater Noida Institute of Technology in Knowledge Park II, Greater Noida offers B.Tech CSE with Data Science specialization in a NAAC A+-accredited private campus featuring Oracle and Dell tie-ups, modern AI/ML labs and a dedicated women’s cell; over 300 recruiters visited in 2024, yielding a 6.5 LPA average and 70 LPA highest package. Institute of Engineering & Technology, Sitapur (Lucknow, UP) is a NAAC A++-graded campus under AKTU with ECE labs in signal processing and embedded systems, conducting soft-skill workshops and mock interviews; 72 of 80 students were placed in 2024 with a 4.1 LPA average and 7 LPA top package. GL Bajaj Group of Institutions, Mathura (UP) grants CSE with AI/ML, holds NBA accreditation, industry-linked projects and recorded 94% CSE placements in 2025 with a 6.75 LPA average and 34 LPA high offer. NIET Greater Noida (Knowledge Park II) provides B.Tech CSE Cyber Security on a 13.9-acre NAAC-A campus with Oracle and Salesforce MoUs; 85% of students placed in 2024, averaging 6 LPA with a 35 LPA peak.

Recommendation: Prioritize GNIOT Greater Noida CSE (Data Science) for its superior average packages, expansive recruiter network, and women’s support initiatives; next, choose NIET Greater Noida CS for strong placement consistency and specialized cybersecurity curriculum; opt for GL Bajaj Mathura CSE for robust AI/ML training; consider IET Sitapur ECE for solid core-electronics exposure and focused mentorship. All the BEST for Admission & a Prosperous Future!

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Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

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Nayagam P P  |8385 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Career
Sir,My son got B tech mechanical in iit tirupati and also btech cse in shiv nadar university chennai.Which one will be the best for his future?
Ans: Namachivayan Sir, IIT Tirupati in Renigunta (Andhra Pradesh) offers B.Tech in Mechanical Engineering with a curriculum blending thermofluids, manufacturing, design and robotics in DST-funded laboratories, guided by predominantly Ph.D.-qualified faculty and supported by project-based learning and research collaborations. Over the 2023–24 placement drive, 41.9% of Mechanical students secured roles with an average package of ?10.95 LPA, while core recruiters such as Microsoft, Amazon and Samsung participate on campus.

Shiv Nadar University Chennai on Old Mahabalipuram Road (Tamil Nadu) delivers B.Tech in Computer Science & Engineering with specializations in AI/ML, cybersecurity and IoT, taught by industry-immersed faculty in GPU-enabled HPC clusters and smart classrooms. Its Career Development Center facilitates mock interviews, hackathons and 250+ recruiter engagements, achieving an 85%+ placement rate and a four-year CSE average package of ?12.85 LPA through top firms like Goldman Sachs, Microsoft and Amazon.

Recommendation: Opt for Shiv Nadar University Chennai CSE if you prioritise higher placement consistency, strong industry partnerships and cutting-edge computing specializations, (OR) choose IIT Tirupati Mechanical Engineering for a government institute pedigree, robust core-engineering foundation and growing research infrastructure. My Suggestion: Prefer IIT-T-Mechanical over SNU. All the BEST for Admission & a Prosperous Future!

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