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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 02, 2022

Mutual Fund Expert... more
Dharmesh Question by Dharmesh on Nov 02, 2022Hindi
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I have a SIPs in the following funds of Rs 20k. I want to create Rs 1 Cr corpus in 5-10 yrs. Current corpus is Rs 30 lakh. Please suggest the best option.

Aditya Birla Sun Life Equity Advantage Fund - Growth -- 1500

Aditya Birla Sun Life Pure Value Fund - Growth -- 3000

Axis Bluechip Fund - Regular Plan - Growth -- 1500

Franklin India Focused Equity Fund - Growth -- 2000

Franklin India Smaller Companies Fund - Growth -- 2000

HDFC Top 100 Fund - Growth -- 1500

Sundaram Mid Cap Fund - Regular Plan - Growth -- 2000

Aditya Birla Sun Life Tax Relief '96 - Growth -- 1500

Axis Long Term Equity Fund - Regular Plan - Growth --  2500

DSP Tax Saver Fund - Regular Plan - Growth -- 2500

Ans: To create a corpus of 1 crs (present corpus 30 lakh) in 10 years present SIPs Investment are sufficient.

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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Sep 20, 2023

Asked by Anonymous - Aug 25, 2023Hindi
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Hello I am 35 years old and want to generate a corpus fund of 4~5 cr in 15 years. My current SIP is 30k a month in the following: KOTAK SMALL CAP FUND - GROWTH - 2500 QUANT FLEXI CAP FUND REGULAR PLAN - GROWTH- 2500 TATA LARGE AND MID CAP FUND REGULAR PLAN GROWTH - 2500 UTI MASTERSHARE UNIT SCHEME - GROWTH PLAN - 2500 ICICI PRUDENTIAL INNOVATION FUND REGULAR PLAN GROWTH - 10000 UTI NIFTY 50 EQUAL WEIGHT INDEX FUND - REGULAR PLAN - 5000 GROWTH BANDHAN EMERGING BUSINESSES FUND REGULAR PLAN-GROWTH -1250 ADITYA BIRLA SUN LIFE GENNEXT FUND-GROWTH - 1250 TATA SMALL CAP FUND REGULAR PLAN GROWTH - 1250 SBI SMALL CAP FUND REGULAR GROWTH - 1250
Ans: After reviewing your portfolio, we propose that you discontinue your SIPs in Thematic Funds. Thematic funds are highly risky in nature and it is difficult to predict which sector will perform when and where, and begin your SIPs with funds that have proven past records. We also recommend that you keep a mix of equity and hybrid funds in your portfolio to ensure stability and recommend investing in various categories of equities mutual funds, i.e Large Cap, Mid Cap, Small Cap, and Flexi Cap. Investment across category provide proper diversification.

As you will require around 4-5 Cr in 15 years, we recommend you to increase your SIPs on yearly basis and It is recommendable to increase your SIPs by 5-10% every year as income grows. You can also invest some amount in Bulk when it is available with you such as yearly bonus, monthly or quarterly incentives etc.

We suggest you to maintain the discipline with your investments.
As it is said, “Successful investing takes time, discipline and patience”.

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Nayagam P

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Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi
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Sir, my son seems to have missed IITs or NITs this year although we are participating in the Josaa rounds. His CRL - 63337 in Mains & 25506 rank - Advance. He wants to pursue either ECE, CSE, DS-AI, EEE, EE etc..We will also participate in MHCET cap rounds however the rounds are delayed. His MHCET peecentile is 99.18. We will try for the best colleges in Maharashtra as we are from Mumbai General Open category. We also have a confirmed seat of CSE - VIT Chennai in hand however my son does not have more inclination to study in VIT. Sir, now my question is whether he can give Jee Mains & Advance in 2026 again without considering a drop. He will join a college this year based on CAP rounds but will forego his 1 yr in case he gets through next year. So whether this is possible Sir? If not, then he will continue his degree with the college which he takes this year.
Ans: As per the National Testing Agency (NTA) rules, candidates may appear for JEE Main up to six times over three consecutive years—two sessions each year—provided they passed Class 12 in 2024 or later and meet subject requirements. There is no upper age limit for Main attempts, and enrolling in a regular engineering program does not invalidate future Main attempts. For JEE Advanced, the Joint Admission Board permits a maximum of two attempts in two consecutive years for candidates who rank among the top 250,000 in JEE Main and first appeared in Class 12 in 2023, 2024, or 2025; admission to non-IIT institutions does not affect Advanced eligibility. MHT-CET likewise imposes no attempt limit, allowing repeated participation as long as candidates satisfy domicile and educational criteria each year. Therefore, your son can join a college this year via MHT-CET CAP rounds or accept the VIT Chennai seat and still sit for JEE Main and Advanced in 2026 without requiring a formal “drop year,” provided he retains eligibility and dedicates time to preparation alongside his regular coursework. Should he qualify in 2026, he may transfer through JoSAA; if not, he can continue his degree uninterrupted at the institution he joins this year.

recommendation: Enroll through Maharashtra CAP to secure admission this year while registering for JEE Main and Advanced 2026, balancing college commitments with a structured prep schedule and clear target milestones to maximize re-attempt success. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi
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Dear Sir, Between IIIT Dharwad CSE and Thapar college CSE, which option would be better
Ans: Thapar Institute of Engineering and Technology (TIET) Patiala offers a well-established CSE program with a strong legacy, NAAC A+ accreditation, and a robust placement record—83% in 2023, with over 1,800 job offers and top recruiters like Microsoft, Amazon, and Deloitte. The department is noted for its industry-aligned curriculum, cutting-edge research, and global exposure. IIIT Dharwad, though newer, is an Institute of National Importance with a modern campus and updated CSE curriculum. Its placement rates have ranged from 62% to 77% in the last three years, with top recruiters including Amazon, IBM, and Infosys, and a growing reputation for industry-oriented training. However, Thapar’s CSE program has a broader alumni network, more consistent placement outcomes, and a higher national brand value. IIIT Dharwad’s infrastructure is strong and improving, but its placement rates and industry connections are still catching up to older, established institutes like Thapar.

recommendation: Prefer Thapar Patiala CSE for its proven placement record, established reputation, comprehensive campus experience, and strong industry connections, especially if you value stability, alumni support, and long-term career prospects. Consider IIIT Dharwad only if you specifically seek a newer IIT-like environment and are comfortable with a developing placement ecosystem. All the BEST for the Admission & a 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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