My SIP is running in following mutual fund. Please advise if I should continue above investments or need any change.

Name of the Fund	Category	RankMF Star Rating
1. Aditay Birla Sun Life Frontline Equity Growth Direct – Rs5000	Equity - Large Cap Fund	4
2 Aditay Birla sun Life Equity Growth Direct-Rs 5000	Equity - Multi Cap Fund	4
3. Axis Blue Chip Growth Direct - Rs 4000	Equity - Large Cap Fund	4
4. Motilal Oswal Multicap 35 Direct - Rs 4000	Equity - Multi Cap Fund	5
5. Axis Midcap Growth Direct - Rs 3000	Equity - Midcap Fund	4
6. Mirae Asset Emerging Blue Chip Growth Direct	Equity - Large & Midcap Fund	4
7. Axis Long Term Equity Growth D - Rs 8000	Equity - ELSS	5
8. ICICI Pru Multi Asset Growth D - Rs 5000	Hybrid - Multi Asset Allocation	4
Lump sum investment
ICICI PRU Banking Growth D - Rs 25000 @ NAV 38.49	Equity - Sectoral Fund - Banks & Financial Services	2
Nippon Pharma Fund Growth D- Rs 71000@ NAV 140.34	Equity - Sectoral Fund - Pharma & Health Care	3
UTI Midcap Growth D accumulated by SIP- Rs 110,000 @ NAV 110.24	Equity - Midcap Fund	3
Aditya Birla Liquid Plus Growth D- Rs 455,000	Debt - Liquid Fund	5

Ans: Sunil, YMCA Faridabad’s Civil Engineering program is well-established, offering a recognized government degree, experienced faculty, and a large campus with comprehensive basic facilities, research labs, and an active placement cell. Its Civil placements in 2024 recorded a 39–70% rate, with strong alumni in construction, public sector, and infrastructure. However, student reviews highlight dated infrastructure and limited hostel options, though overall academic support and campus life are considered positive. Gurugram University’s CSE with AI specialization is relatively new but features a modern curriculum aligned with contemporary IT industry needs, AICTE approval, and well-qualified faculty guiding students in emerging technologies. The university boasts 75–85% placement rates for CSE/AI, with recruiters like TCS, Infosys, and Accenture, and offers a growing campus with decent facilities and an expanding student community. While Gurugram University is still developing its legacy and network, its CSE (AI) graduates are finding competitive IT roles, and the program supports industry-oriented learning and research.

Recommendation: Prioritize CSE with AI at Gurugram University for future-ready skills, higher placement rates, and better growth opportunities in the rapidly expanding tech sector. Choose YMCA Faridabad Civil only if your son has a keen interest in traditional civil engineering and prefers an established public university setting. CSE with AI offers broader career prospects in today’s market. All the BEST for a Prosperous Future!

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Ans: Tiwari, With a JEE Main CRL of 3.5 lakh and EWS rank of 50,000, your access to top-tier government colleges is limited, but you are eligible for a range of private institutes through UPTAC. Khwaja Moinuddin Chishti Language University’s CSE program comes at an affordable fee of ?3.5–3.96 lakh, well within your ?6 lakh budget, and reports placement rates of about 65–70% with average offers around ?6LPA from companies such as Microsoft, HCL, and L&T. The university provides sound infrastructure, supportive faculty, and modern labs, but is relatively new to the technical scene, so industry connections are still developing. Comparable options like ABES, KIET, Galgotias, and AKGEC Ghaziabad offer similar or slightly higher placement statistics and are within your budget, with comprehensive campus facilities and strong placement cells; however, cut-offs for CSE in these colleges for EWS typically close below 45–50K, making it difficult but not impossible to secure a seat. Lower fee colleges like DEI Agra or LIT Lucknow feature even more affordable tuition but may have less robust placement records for CSE.

Recommendation: Lock your CSE seat at Khwaja Moinuddin Chishti Language University for budget-friendly fees and reasonable campus placements, while keeping an eye on spot/next-round UPTAC vacancies at institutes like ABES, KIET, or Galgotias if available at your rank. This strategy ensures an accredited degree, campus support, and solid return on investment within your specified fee limit. All the BEST for a Prosperous Future!

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Ans: Vaibhav, With a KCET rank of 7,935, you have secured an excellent outcome in CSE-AIML at Siddaganga Institute of Technology, Tumkur, which is highly regarded for its NAAC A++ accreditation, consistent placement rates exceeding 95%, and strong industry partnerships. The CSE-AIML cutoff at Siddaganga typically falls around 10,658-11,369 ranks, positioning your allocation well within the competitive range. The official KCET cutoff data shows that better colleges like RVCE (cutoff around 2,800), BMSCE (cutoff around 4,000), and MSRIT (cutoff around 3,342) for CSE-AIML are beyond your current rank range, and KCET second round cutoffs historically tend to remain stable or increase marginally rather than decrease significantly. The second round primarily accommodates unfilled seats or withdrawals, offering minimal scope for rank-based upgrades to premier institutions.

Recommendation: Accept the CSE-AIML seat at Siddaganga Tumkur immediately. This is an optimal outcome for your rank, offering excellent placement prospects, modern infrastructure, and specialized AI/ML curriculum. Waiting for the second round risks losing this secured seat without realistic chances of securing admission to better colleges at your current rank. All the BEST for a Prosperous Future!

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Ans: Hi,
Could you please clarify the following:
Are you interested in pursuing clinical or non-clinical roles? Also, your question about job opportunities shows that you may not be interested in starting your own clinic. Why is that?
BEST WISHES.

Ans: HI ABHI,
DIFFICULT.

Ans: HI SUNITI,
BIT DIFFICULT MA. YOU KNOW THAT THE CSAB ROUND IS FOR FILLING VACANT SEATS. SO....

Ans: HI VIKKAS SIR,
I believe that after joining the job, she can pursue an MBA. She also has the option of completing the MBA online instead of in a regular classroom setting.
Alternatively, she could focus on the medical devices sector.
In the future, there will likely be a significant demand for medical devices in the healthcare sector. This could lead to a boom in the biomedical engineering field. For example, many medical devices, such as pulse oximeters, often lack proper calibration.
Likewise, she can think many....

As an engineer, she could focus on addressing this gap in calibration and reliability. Likewise man
Best regards,

Ans: BS-MS in which college/university at Kolkata? Please clarify to answer precisely.

Ans: Mathematics and Computing (MnC) engineering is emerging as one of the most dynamic and sought-after interdisciplinary fields at the intersection of advanced mathematics, statistics, and computer science. The core curriculum encompasses applied mathematics, machine learning, artificial intelligence, cryptography, data analytics, computational modeling, software development, and statistical inference, preparing graduates for highly analytical and technical roles across diverse sectors. Industries such as technology, finance, research, healthcare, government, and defense are increasingly reliant on professionals who can bridge raw data with mathematical reasoning to solve complex, real-world problems. As digital transformation accelerates across industries and domains, the demand for mathematics and computing professionals is projected to grow rapidly, with jobs for mathematicians and statisticians expected to surge by over 30% between 2021 and 2031—significantly outpacing other engineering disciplines.

Graduates of MnC are uniquely equipped for roles that require both advanced quantitative skills and computational expertise—including data scientist, AI/machine learning engineer, quantitative analyst, cryptographer, software developer, business intelligence analyst, and research scientist. The versatility of the degree enables opportunities across technology giants, global financial institutions, government research labs, healthcare analytics, fintech, and climatology, as well as opening doors to cutting-edge R&D or higher academia. The rapidly growing areas of artificial intelligence, cybersecurity, fintech, quantum computing, and big data analytics particularly value the hybrid skill set of MnC graduates, often offering career prospects and placement rates on par with, and sometimes surpassing, traditional computer science engineers at leading institutes. Additionally, the course involves fewer hardware labs than other technical branches, allowing students to focus on algorithmic thinking, theory, and practical coding—a major positive for those passionate about the analytical side of computing.

Across highly reputed institutes such as IITs, BITS, and IISc, MnC programs are supported by highly qualified faculty, strong research ecosystems, international collaborations, and top-tier campus infrastructure. Placement records regularly exceed 90–95% for MnC, with leading firms and startups actively recruiting for specialized technical and research roles. However, student reviews indicate that successfully leveraging the branch often requires proactive learning beyond the curriculum, including hands-on coding projects, internships, and continuous skill upgrades. While the branch suits those who enjoy deep theoretical work, mathematical abstraction, and problem-solving, it may not appeal to students seeking highly application-oriented or hardware-centric engineering careers.

Recommendation: Mathematics and Computing is an outstanding branch for students who are analytically inclined and aspire to excel in computational theory, data science, AI, or quantitative domains. Its strong industry demand, future-proof scope, and cross-sector versatility ensure excellent placement and long-term career growth, provided students commit to independent learning and continuous upskilling. All the BEST for a Prosperous Future!

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