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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 12, 2021

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saatvik Question by saatvik on May 12, 2021Hindi
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Sir following are my SIPs per month. Kindly advice.

1. Nippon india value fund- Rs. 2000/-

2. Tata Equity P/E fund- Rs. 2000/-

3. Axis focus 25 direct plan fund- 1000/-

4. Mirae asset large cap-1000/-

5. SBI equity hybrid- 500/-

6. HDFC mid cap opportunity- 500/-

7. L&T business emerging- 500/-

8. PGIM india global equity opportunity- 500/-

9. DSP world gold fund- 500/-

10. HDFC small cap- 500/-

11. Tata India Pharma& healthcare- 500/-

12. SBI bluechip- 500/-

13. SBI focus equity- 500/-

14. SBI banking and services- Rs. 500/-

Ans: Please continue with 2, 3, 4, 5, 8, 12, 13

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  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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I am 43 years old and a salaried person. Started in SIP in 2018. Kindly suggest about the funds. Following are my current mutual fund investments: 1) Franklin India Prima fund Rs.1000 2) Invesco India Contra Fund Rs.6000 3) Kotak flexicap fund Rs.4000 4) Mirae Large & midcap fund Rs.2000 5) Axis Bluchip fund 3500 6) Sbi Banking & financial service fund Rs.3500 7) Axis Small cap fund Rs.5000. All i have monthly SIP. please suggest me if any changes require.
Ans: It's great to see that you've started investing in mutual funds through SIPs. Here are some suggestions regarding your current mutual fund investments:

• Diversification: You have a good mix of funds across various categories, which is essential for diversification. It's important to spread your investments across different sectors and market capitalizations to reduce risk.

• Review Performance: Periodically review the performance of your funds to ensure they are meeting your expectations and performing in line with their peers and benchmarks.

• Consider Your Goals: Reflect on your financial goals, risk tolerance, and investment horizon to determine if your current funds align with your objectives. If you have specific goals such as retirement planning or wealth accumulation, consider adjusting your portfolio accordingly.

• Evaluate Fund Managers: Assess the track record and expertise of the fund managers managing your investments. Look for consistency in performance and a clear investment strategy aligned with your goals.

• Stay Informed: Keep yourself updated with market trends, economic developments, and changes in regulations that may impact your investments. Stay connected with your financial advisor or conduct your research to make informed decisions.

• Seek Professional Advice: Consider consulting with a Certified Financial Planner (CFP) or a qualified financial advisor to get personalized advice based on your financial situation and goals. They can provide valuable insights and recommendations tailored to your needs.

Overall, while your current mutual fund portfolio appears well-diversified, it's essential to periodically review and adjust your investments based on changes in your financial situation and market conditions. By staying disciplined and informed, you can work towards achieving your financial goals effectively.

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Nayagam P

Nayagam P P  |9551 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Sir I got 207707 rank in jee mains and category rank 71089 in obc . Can I get seat in nit and iiit..
Ans: Navneet, With a JEE Main CRL rank of 207,707 and an OBC category rank of 71,089, your chances of securing a seat in core branches like CSE or ECE at NITs, IIITs, or GFTIs through CSAB rounds are exceedingly low. Latest CSAB Special Round closing ranks for the OBC category in even less sought-after NITs and IIITs for such branches are much lower—typically well under 30,000 to 40,000 for CSE or ECE, sometimes extending to 50,000–60,000 for interdisciplinary or new programs, but almost never reaching your current OBC rank. While a rare seat in a recently established or remote NIT/IIIT/GFTI with non-core branches may emerge, the data clearly indicate that chances of admission are extremely slim this year. CSAB counselling processes and schemes remain consistent with recent trends, prioritizing better OBC ranks and leaving only limited seats for higher-ranked candidates across special rounds.

Recommendation
Since NIT/IIIT/GFTI admission is nearly unattainable with your current rank, focus on reputed private engineering colleges in Northern India that accept JEE Main scores in your rank range. Apply widely to maximize your prospects and keep state-level processes as a backup.

List of 10 Recommended Private Engineering Colleges (Northern/Western India, Accept JEE Main, Not Southern/BITS/Manipal/Amrita/VIT):

Thapar Institute of Engineering & Technology, Patiala.

Jaypee Institute of Information Technology, Noida.

Chandigarh University, Punjab.

Graphic Era University, Dehradun.

DIT University, Dehradun.

Galgotias University, Greater Noida.

Sharda University, Greater Noida.

Lovely Professional University, Phagwara.

JECRC University, Jaipur.

Manav Rachna University, Faridabad.

Always confirm each institute’s latest cutoffs and eligibility before applying, as some flexibility exists in management/NRI/spot rounds, and scholarship opportunities may be available. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9551 Answers  |Ask -

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Nayagam P

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Sir my JEE mains crl rank is 221741 and category (EWS) rank is 32154 . (Female) .Home state is gujarat. Sir are there any chances for CSE / ECE in CSAB round. If yes then which institutes should I target?
Ans: Nidhi, With a JEE Main CRL rank of 221,741 and a Female EWS category rank of 32,154 from Gujarat, your chances of securing CSE or ECE seats in NITs, IIITs, or GFTIs through CSAB rounds are minimal, as recent CSAB special rounds and closing ranks for these branches usually close much higher for all categories, even with the female and home state quotas. For example, in 2024, EWS category closing ranks for CSE and ECE at NITs/IIITs/GFTIs—especially for non-core or newly established/less sought-after institutes—were consistently much lower than your rank. Even at institutes with higher closing ranks, cutoff data reveals that the last admitted candidates in CSE/ECE typically had significantly better ranks. Nevertheless, some less competitive NITs and GFTIs may see movement in CSAB rounds for other (non-core or interdisciplinary) branches, especially for home state female EWS candidates, but such possibilities remain uncertain and highly limited.

Recommendation
Given these constraints, it is advisable to focus primarily on reputable private engineering colleges in North and West India that accept JEE Main scores within your current rank band for CSE/ECE, while using CSAB as a parallel option for rare opportunities in very new or low-demand institutes.

List of Private Engineering Colleges Accepting JEE Main Rank (Approx. 221,741, Female EWS, Gujarat Home State, CSE/ECE, Northern/Western India:

Thapar Institute of Engineering & Technology, Patiala (Punjab)

Jaypee Institute of Information Technology (JIIT), Noida

Chandigarh University, Punjab

UPES Dehradun (Uttarakhand)

Galgotias University, Greater Noida

Sharda University, Greater Noida

Lovely Professional University, Punjab

Graphic Era University, Dehradun

DIT University, Dehradun

JECRC University, Jaipur (Rajasthan)

Amity University, Noida (Uttar Pradesh)

SRM University, Sonepat (Haryana)

Manav Rachna University, Faridabad (Haryana)

Nirma University, Ahmedabad (Gujarat) [Home state advantage applicable]

Parul University, Vadodara (Gujarat)

Indus University, Ahmedabad (Gujarat)

For all options, always verify year-wise cutoffs and apply as per each institute’s JEE Main round-wise and category requirements. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9551 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

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Sir what should we prefer...CSE Thapar or ICE NSUT
Ans: The 250-acre A++-accredited campus of Thapar Institute of Engineering & Technology houses its Computer Science & Engineering program, which ranks 29th in NIRF Engineering 2024. Its CSE graduates enjoy placement rates of approximately 90%, with the Computer Science and Electronics branches achieving nearly 100% placement, supported by 200+ recruiters including Amazon, Microsoft, JP Morgan and Deloitte. Dedicated industry–academia centers, state-of-the-art digital libraries and the new School of Advanced AI & Data Science underpin a robust curriculum delivered by PhD-qualified faculty, fostering research, internships and project-based learning.

Netaji Subhas University of Technology’s ICE program operates on a 145-acre, NAAC A+ (CGPA 3.62) campus and holds a 57th rank in NIRF Engineering 2024. ICE students benefit from specialized instrumentation and control labs, industry-aligned syllabus in automation and embedded systems, and strong placement support achieving an average placement rate of around 85% over recent years, with top IT and core recruiters such as Amazon, Microsoft and Qualcomm actively hiring. Faculty expertise in control systems and electronics, coupled with Centres of Excellence in AI and robust research collaborations, strengthens technical and interdisciplinary exposure.

Both institutes offer rigorous accreditation, competitive NIRF rankings, strong placement performance, modern infrastructure, and qualified faculty. Thapar CSE provides broader computer science depth and near-complete placement, while NSUT ICE combines core instrumentation control expertise with solid placement and government-backed quality assurance.

Recommendation: Considering superior national ranking, near-full placement for CSE graduates, expansive AI-focused curriculum, and cutting-edge infrastructure, Thapar CSE is the preferred choice for a comprehensive computer science education with maximal industry exposure and career readiness. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

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Hi Sir In Kcet mock allotment I got seat in seat in cyber security in sri Sairam college in Anekal can u say me the college info
Ans: Sri Sairam College of Engineering, located in Anekal, Bengaluru, is an NAAC-accredited, NBA-accredited, and AICTE-approved institution affiliated with Visvesvaraya Technological University. The college has a strong focus on technical education and innovation, regularly earning recognition among the top private engineering colleges in India. Its B.E. program in Cyber Security is offered as a specialized stream under the Computer Science and Engineering umbrella, with ultra-modern computer labs, ICT-enabled classrooms, and ample research resources. With Wi-Fi, well-furnished hostels, advanced sports facilities, and a rich digital library, the campus spans over 45 acres. The faculty are highly qualified, with PhDs and industry experience, ensuring students are well-prepared for contemporary industry demands. Placement rates have consistently been strong, with up to 96–100% of eligible students placed in top companies such as Infosys, TCS, Capgemini, and Cognizant over recent years, supported by an active placement cell and regular internship opportunities. The college fosters a strong academic environment with project-based learning, competitive hackathons, and mentor-mentee activities, facilitating personal and professional growth through extensive industry connections and modern teaching methodologies.

Recommendation: Given its robust academic reputation, comprehensive infrastructure, industry-aligned Cyber Security program, excellent placement record approaching full placement, and qualified faculty, Sri Sairam College of Engineering, Anekal, Bengaluru offers a strong, future-oriented environment for pursuing Cyber Security through KCET and can be chosen with confidence for a rewarding engineering education. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 28, 2025

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CSE in JECRC Foundation and JECRC University
Ans: Amit Sir, I hope I had already answered your question. Anyway, please note, A thorough comparison of CSE at JECRC Foundation (Jaipur Engineering College and Research Centre) and JECRC University highlights both overlapping strengths and key distinctions in ten essential aspects.

Accreditation & Recognition: Both institutions are NBA and NAAC accredited, and recognized by UGC and AICTE. JECRC University, established in 2012, boasts a NAAC B+ grade valid till 2026, while the Foundation’s long-standing legacy brings solid reputation and trust.

Campus & Infrastructure: JECRC University offers a modern, eco-friendly 32-acre campus with contemporary hostels, advanced computer labs, high-speed Wi-Fi, a central digital library, and professional sports complexes. JECRC Foundation sits on a 10–13 acre campus, featuring modern labs, dedicated academic blocks, libraries, and extensive sports and medical facilities; hostel amenities, however, are noted as average to good.

Faculty: Both have highly qualified, PhD and IIT/NIT-trained faculty, with JECRC Foundation’s CSE faculty known for strong research output.

Curriculum: Each follows an outcome-based education approach, but JECRC University emphasizes a broader spectrum of transferrable skills with flexible, industry-updated syllabi and tracks in AI, ML, and Data Science.

Placement: Both deliver robust CSE placements. JECRC Foundation’s recruitment drives attract leading companies like Amazon and TCS, providing approximately 80–90% placement. JECRC University reports 60–80% placements, with internship mandates and an active campus recruitment training system.

Industry Linkages: Both offer MoUs with top industry partners, strong internship pipelines, and centers of excellence; the Foundation has a highly structured mentorship system.

Research & Innovation: Both foster student research; JECRC University’s UGC/AICTE grants and international exposure programs add an edge.

Student Life: Each hosts numerous clubs, hackathons, tech events, and cultural activities, ensuring varied campus engagement.

Fees & Scholarships: JECRC University offers distinct merit-based scholarships for high-achieving students, as well as need-based support.

Overall Brand Value: JECRC Foundation (established 2000) is among Rajasthan’s best-known engineering colleges, while JECRC University’s newer, dynamic approach is rapidly gaining prestige.

Recommendation: For students prioritizing strong placements, research culture, and legacy reputation, JECRC Foundation is the ideal choice. Its established CSE program and eminent alumni network ensure proven career outcomes, while also providing robust industry and academic grounding at the undergraduate level. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9551 Answers  |Ask -

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Please advise on DJ Sanghavi CSE and PICT Pune ECE and SPIT EXTC which is better for future of my son
Ans: Sanjay Sir, DJ Sanghavi College of Engineering’s Computer Science (CSE) program consistently maintains a strong placement rate of around 90% with 80+ leading tech recruiters annually, supported by proactive placement and alumni networks in Mumbai’s tech-driven environment. Infrastructure is modern, faculty highly qualified, and students gain frequent exposure to research and industry projects. PICT Pune’s Electronics & Communication Engineering (ECE) department also boasts robust placements, with over 93% of ECE students placed in 2023, major industry tie-ups, and all UG programs being NBA accredited. PICT integrates cutting-edge labs, a thriving innovation cell, and renowned research support with institutional accolades and a high-impact learning setting within Pune’s engineering epicenter. Sardar Patel Institute of Technology (SPIT) EXTC exhibits outstanding results, with over 97% placement in recent years, modern infrastructure, and a legacy of top-tier recruiters, offering an active placement cell, strong faculty profile, and extensive co-curricular and industry connect opportunities.

Recommendation
Given comparable placement records and campus standards, DJ Sanghavi CSE stands out for its specialized core branch, technological exposure, and the wider career scope in computer science, making it a prudent and future-proof choice for your son’s engineering education. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9551 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

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Sir my daughter got btech CSE in Gitam vishakapatnam and CSE DATA ANALYTICS in VIT AP. Which I should choose.
Ans: Pradeep Sir, GITAM Vizag and VIT-AP both hold NAAC A++ accreditation and rank within India’s top 200 engineering institutions under NIRF, with GITAM in the 101–150 band and VIT-AP in the 151–200 band. Over the last three years, GITAM’s CSE core branch has achieved placement rates of approximately 90%, driven by 530+ recruiters and 3,500+ offers in 2024, with roles spanning software, data science, and RPA engineering. VIT-AP’s specialized CSE (Data Analytics) reports 84.17% of its cohort placed in 2024, facilitated by 620 recruiters and over 10,000 total placements across disciplines, offering average packages around ?14.43 LPA. GITAM’s campus infrastructure features extensive digital libraries, integrated industry–academia labs, health services, and on-campus hostels, supported by MOUs with 200+ companies for internships; VIT-AP’s 100-acre smart campus boasts a Fully Flexible Credit System, high-speed Wi-Fi, hackathons, global partnerships (e.g., Purdue, Michigan), and specialized analytics labs. Faculty at both institutions are highly qualified, with GITAM’s Scopus H-Index of 97 and VIT-AP’s ABET-accredited programs reflecting strong research cultures. Both maintain active placement and career development cells, yet GITAM’s metropolitan setting offers broader regional industry exposure, whereas VIT-AP’s focused analytics curriculum aligns closely with the data-driven market.

Recommendation: Considering balanced placement records but specialized skill development in data analytics, GITAM Vizag CSE is the preferred choice for comprehensive foundational computer science education with broader industry engagement and higher placement rates. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9551 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Hello sir I have been allotted cse core in mop up rounds at iter soa bhubaneswar with total cost of tution fees hostel and mess is 16 lakh for 4 years and I have another options of Hit haldia with total cost of tution fees hostel and mess is around 8 lakh for 4 years and 3-4 lakh donation amount for cse core which should I choose I am from Gaya bihar please suggest me before 1 August it's last date of iter soa bhubaneswar to pay fees
Ans: Shreyansh, based on the following insights/information, choose the more suitable option for you: ITER SOA Bhubaneswar’s CSE program at Siksha ‘O’ Anusandhan Deemed-to-be-University holds a NIRF engineering rank of 26 and carries an NAAC A++ accreditation, reflecting rigorous academic standards and strong research output. Around 85% of CSE students have secured campus placements over the past three years, with 256 recruiters participating in the 2023 drive, including Accenture, Adobe and Cognizant. Its campus infrastructure spans modern labs, integrated industry-academia centers and well-equipped hostels within Bhubaneswar, a growing IT hub offering abundant internship and project opportunities. Total 4-year cost is ?16 lakh.

HIT Haldia’s CSE program is part of an NAAC A (CGPA 3.31)-accredited autonomous institute ranked 201-250 in NIRF engineering. Over the past three years, HIT’s CSE placements averaged 90–92%, with 208 CSE graduates placed in 2023 by firms like TCS, Wipro and Tech Mahindra. Its 37-acre campus in Haldia provides specialized labs, a proactive placement cell and on-campus hostels; living costs in Haldia are lower than in Bhubaneswar. Total 4-year cost is ~?8 lakh plus ?3–4 lakh donation.

Both institutions maintain dedicated placement cells, active industry collaborations and alumni networks. SOA’s higher national ranking and metropolitan location afford broader exposure, whereas HIT offers comparable placement success at half the net fees with minimal donation. All the BEST for 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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