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Anil

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Financial Planner - Answered on Jun 18, 2024

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more
ramaraj Question by ramaraj on Jun 17, 2024Hindi
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Sir I need your email to provide my financial requirement

Ans: Please post here
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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Hi sir, I am in my 5th semester of B.pharm in India and want to do a master's abroad. I am confused between Germany, US, UK, Canada, Ireland and Australia. I come from a lower middle-class family so among all I can manage Germany but for that too I think I have to take education loan, not sure if it affects my visa approval. According to scope I am planning to do courses like regulatory affairs, bioinformatics, toxicology, life science informatics, biotechnology or drug development. I expect CGPA around 8 - 8.5 and credit points around 205-210 which are not equal to European credit points. Can I still get admission? Any advice on best course and country?
Ans: You're thinking in the right direction. Here's a simple breakdown for you:
1. Country-wise Advice (based on budget and goals):
• Germany:
Best fit for you — low to no tuition fees in public universities.
Good options in biotech, drug development, bioinformatics, and life sciences.
You'll need around ?9–10 lakhs in blocked account + basic living costs.
Education loan is fine and doesn’t affect visa negatively if paperwork is clear.
• USA/Canada/UK/Australia/Ireland:
Expensive (?25–40 lakhs+). Scholarships are limited and competitive.
Better job opportunities after study, especially in regulatory affairs and toxicology.
You’ll likely need heavy loans and part-time work to manage.
2. About Your Profile:
• CGPA of 8–8.5 is decent.
• Indian credits won’t match ECTS, but German and EU universities understand that — so you are eligible.
• Just ensure you meet English proficiency (IELTS/TOEFL) and course-specific requirements.
3. Best Courses Based on Scope:
• Germany – go for Life Science Informatics, Drug Development, Biotechnology.
• Canada/UK – if budget allows, great for Regulatory Affairs, Toxicology, Pharmacovigilance.
• Focus on Germany. Apply early to 5–7 public universities.
• Learn basic German (A2/B1) to boost chances and employability.
• Education loan is acceptable—don’t worry if documents are strong.

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Asked by Anonymous - Jul 27, 2025Hindi
Career
Hi there So i got like 97k in kcet and 73k ranks in comedk i want cse mostly im fine with ece also in the first mock round of comedk i got sahayadri college of engineering is that good And also what colleges i might get in Bangalore with these ranks and want good placements or do you suggest me to go take management quota seat in nhce or jain rather than all this
Ans: With a KCET rank of 97,000 and COMEDK rank of 73,000, Computer Science or ECE seats in Bangalore’s most sought-after colleges (such as RVCE, BMSCE, MSRIT, PESU, and DSCE) are not attainable, as their cutoffs close far earlier. For these ranks, you are eligible for options like R.R. Institute of Technology, S.E.A. College of Engineering, M.S. Engineering College, Dr. H N National College of Engineering, City Engineering College, and East West Institute of Technology in Bangalore through COMEDK, as well as GSS Institute of Technology via KCET; CSE or ECE is typically offered until about 75,000–1,00,000 rank in these institutions. Sahyadri College of Engineering in Mangalore, offered in the first mock allotment, has a consistent placement record with an average package of ?3–4 lakh and top recruiters such as Microsoft and IMV Corporation, and regularly fills over 80% of its eligible CSE/ECE students; the infrastructure is modern and reviews cite good faculty engagement, but it is outside Bangalore. For NHCE and Jain University, you can take CSE/ECE through management quota; both campuses provide contemporary facilities, ABET/NAAC accreditations, and strong placement rates above 80%, but require a significant tuition premium (?10–12 lakh total fee). NHCE’s placement cell is robust, and Jain’s industry ties are well rated. Placement opportunities and exposure are typically stronger at NHCE/Jain due to their branded recruiter base and metropolitan location, provided affordability is not a concern.

Recommendation: If your priority is a Bangalore location, industrial exposure, and better placement prospects, opting for NHCE or Jain University CSE/ECE via management quota is advisable if the higher cost is manageable. Among merit seats, Sahyadri (Mangalore) is a solid backup, but in Bangalore, prefer institutes like NHCE and Jain for stronger campus recruitment, infrastructure, and networking. All the BEST for a Prosperous Future!

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