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Ramalingam

Ramalingam Kalirajan  |11161 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 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
BR Question by BR on Nov 30, 2023Hindi
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Hi Sanjib..please suggest a few good term insurance options and what all needs to be kept in mind before selecting the right one?

Ans: Here are some factors to consider and popular term insurance options:

Factors to Consider:

Coverage Amount: Choose a coverage amount based on your financial needs and future obligations.
Policy Term: Align the policy term with your financial goals and retirement age.
Premium: Ensure the premium fits within your budget for the entire policy term.
Claim Settlement Ratio: Opt for insurers with a high claim settlement ratio for reliability.
Rider Options: Check for additional riders like accidental death benefit, critical illness, etc., to enhance coverage.
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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Nayagam P

Nayagam P P  |11333 Answers  |Ask -

Career Counsellor - Answered on May 05, 2026

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Dear Sir, My son rank is 41000 in jee mains and DA-IICT has launched two BS - MS Dual program in IT and second in AI and Data science. What are chances to get this course ? What is the scope of this course? In can see now in job portals trend is changing and companies only ask for Bachelors/Master degree and need to focus on skills. Is it a good option?
Ans: Sachin Sir, At a CRL rank of 41,000, securing a seat in DA-IICT’s regular B.Tech programs is unlikely, as recent closing ranks for ICT, MnC, and VLSI are much higher. However, the institute’s newly launched 5-year BS–MS Dual Degree programs in IT and Data Science & AI offer a more realistic alternative. These programs admit students based on JEE Main Mathematics percentile or CUET scores, not overall CRL, and since 2026 is their first admission cycle, competition may be less intense.

This 5-year, 200-credit curriculum is ideal if your son is passionate about coding, AI, data science, cybersecurity, or research-oriented tech careers—provided the fee structure and longer commitment are manageable. It’s also wise to keep several reliable backup options rather than relying solely on DA-IICT.

Ultimately, success depends less on the degree and more on how your son invests his time: honing technical and communication skills, building a professional profile through projects/internships, networking with alumni and industry experts, maintaining visibility on platforms like LinkedIn, and developing emotional intelligence to confidently navigate his career path. All the BEST for Your Son's Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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