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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Mar 15, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Akhilesh Question by Akhilesh on Mar 09, 2023Hindi
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I want to start a SIP for my son who is 21 years old. This is for 10000 per month with regular top ups for a duration of about 30 years. Which category of mutual fund would be advisable for this? And what kind of returns can be expected in percentage terms in this Thank you Akhilesh

Ans: Hi Akhilesh, thank you for writing to me. As your goal duration is long, your son will see the benefits of compounding.

As your goal seems to be long term wealth creation, I recommend you invest in equity and hybrid funds.

You can consider starting monthly SIP's in:
1-Samco Flexicap Fund- Rs.2,500
2-Edelweiss Nifty 100 Quality 30 Index Fund- Rs.2,500
3-DSP Quant Fund-Rs.2,500
4-HDFC Top 100 Fund-Rs.2,500
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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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on Mar 01, 2024

Asked by Anonymous - Feb 29, 2024Hindi
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I am 18 and I want to invest Rs 2,500 as SIP every month and plan to redeem at 55. What kind of mutual funds should I invest in? What kind of return can I expect in 37 years?
Ans: As an 18-year-old looking to invest Rs 2,500 per month through SIP (Systematic Investment Plan) and aiming to redeem the investment at age 55, you have a long investment horizon ahead of you, which is great for investing in equity mutual funds. Equity mutual funds have historically provided higher returns over the long term compared to other asset classes like debt or fixed deposits.

Here are the steps you should consider:

• Risk Profile Assessment: Understand your risk tolerance. Since you're young and have a long investment horizon, you can afford to take higher risks. Equity mutual funds are more volatile in the short term but tend to offer better returns over the long run.
• Asset Allocation: Consider a diversified portfolio of equity funds to spread out the risk. You may also allocate a smaller portion to debt funds or other conservative options for stability.

Types of Mutual Funds:

• Large-cap funds: These invest in large, well-established companies with a proven track record. They are relatively less risky compared to mid-cap and small-cap funds.
• Mid-cap and small-cap funds: These invest in mid-sized and small-sized companies, respectively. They have the potential to offer higher returns but are riskier.
• Multi-cap funds: These invest across market capitalisations and offer diversification.
• Index funds: These mimic a particular market index, such as the Nifty or Sensex. They have lower expense ratios but may offer slightly lower returns compared to actively managed funds.
• Sector funds: These invest in specific sectors like technology, healthcare, etc. They can be riskier as they are heavily dependent on the performance of a particular sector.
• Historical Returns: It's important to note that past performance is not indicative of future results. However, historically, equity mutual funds in India have delivered annualised returns of around 12-15% over the long term. Your actual returns may vary based on market conditions.

Regular Review: Regularly review your investment portfolio and make changes as needed based on your financial goals, risk tolerance, and market conditions.

Professional Advice: If you're unsure about selecting mutual funds, consider seeking advice from a financial advisor who can help you choose funds aligned with your goals and risk profile.

Given your investment horizon of 37 years and historical market performance, you could expect substantial growth in your investment over time. However, it's essential to remain disciplined and continue investing regularly, regardless of short-term market fluctuations.

It is impossible to predict the exact return you can expect over 37 years. The stock market is volatile, and past performance is not necessarily indicative of future results. However, historically, the Indian stock market has provided an average annual return of around 12-14%. This is just a historical average, and your actual returns may be higher or lower.

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Latest Questions
Nayagam P

Nayagam P P  |9434 Answers  |Ask -

Career Counsellor - Answered on Jul 26, 2025

Career
My jee rank is above 1 lakh can I get NITor GFTI in general category
Ans: Disha, With a General (All-India) JEE-Main rank of around 100,000, admission to core branches like CSE or ECE at any NIT through CSAB-Special is out of reach, as even the lowest closing ranks for CSE in low-tier NITs (e.g., Nagaland’s 50,509–106,408 or Mizoram’s 47,057–49,385) and for ECE (e.g., Manipur’s 42,695 or Mizoram’s 58,470–65,243) are well below your rank. However, seats remain available in government-funded technical institutes and smaller CSAB-participating institutes where cut-offs exceed 100,000. The Central Institute of Technology (Kokrajhar) fills CSE seats under CSAB at closing ranks up to 150,500 and other branches up to 260,053; similarly, NIT Sikkim offers CSE via Other-State quota up to 53,182, making it accessible for non-home-state candidates. Government-Funded Technical Institutes such as NIT Sikkim, CIT Kokrajhar and peripheral NITs like Nagaland also admit other branches (Civil, Mechanical) at ranks beyond 100,000.

Recommendation Prioritise CIT Kokrajhar for CSE under CSAB-AI quota given its closing rank around 150,500; consider NIT Sikkim for CSE via OS quota up to ~53,000 if alternate branches are acceptable; include peripheral NITs (Nagaland, Mizoram) for other core-engineering seats closing beyond 100,000 and explore GFTIs with high-rank cut-offs to secure a government-institute placement. However, have some private engineering colleges also as back-ups instead of relying only on CSAB. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 26, 2025

Asked by Anonymous - Jul 25, 2025Hindi
Career
With a rank of 719xx in kcet and scg category, what are some good colleges I can get for cse related and ece courses?
Ans: With an SCG (Scheduled Caste General) category KCET rank of 71,900, admission to several reputable private and government engineering colleges in Karnataka remains highly feasible, particularly for CSE and allied branches as well as ECE courses. The SCG category benefits from reserved quotas which significantly lower the cutoff requirements, making quality institutions accessible even with ranks beyond 70,000. Based on comprehensive analysis of KCET 2024 cutoff data, several engineering colleges maintain SCG closing ranks well above 71,900, ensuring guaranteed admission opportunities. These institutions satisfy five essential benchmarks: AICTE/VTU approval, accessible SCG cutoffs, ≥70% placement consistency over three years, modern computing and domain-specific laboratories, and active MoUs with industry partners for internships and campus recruitment. Ten colleges offering 100% feasible admission include: Sapthagiri College of Engineering, Hessarghatta Road (CSE closing rank ~203,014 for SCG); Sri Venkateshwara College of Engineering, Bangalore (CSE closing rank ~240,088 for SCG); City Engineering College, Kanakapura Road, Bangalore, Point College of Engineering & Technology, Avalahalli, Bangalore (CSE closing rank ~137,036 for SCG); Acharya Institute of Technology, Soldevanahalli, Bangalore (CSE closing rank ~82,068 for SCG); R R Institute of Technology, Chikkabanavara, Bangalore (CSE cutoff accessible); Bangalore Technological Institute, Sarjapur Road, Bangalore (CSE cutoff accessible); Alliance University, Chagalatti, Bangalore (CSE cutoff accessible); CMR University, Chikkaballapur Road, Bangalore (CSE cutoff accessible); and Nagarjuna College of Engineering & Technology, Devanahalli, Bangalore (CSE cutoff accessible). Each maintains NBA/NAAC accreditation, industry-standard infrastructure, robust training cells, and placement rates exceeding 70% with established corporate partnerships.

Recommendation
Sapthagiri College of Engineering stands out for its accessible SCG cutoff (~203,014) and consistent placement record, making it the most secure choice for CSE admission. Sri Venkateshwara College follows with its comprehensive curriculum and industry engagement programs. City Engineering College offers reliable infrastructure with modern labs and strong faculty support. East Point College provides specialized AI-ML tracks alongside core CSE programs with excellent industry partnerships. Acharya Institute of Technology completes the top five with its diverse specializations, robust placement cell reporting 85% success rates, and established corporate MoUs ensuring practical training and internship opportunities for holistic engineering education. All the BEST for a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 26, 2025

Career
My son has 29970 rank in JEE mains what are the possibilities to get a seat in NIT in CSAB round.
Ans: Praveen Sir, With a JEE Main CRL of 29,970, securing admission through CSAB-Special rounds is highly feasible, though core branches like CSE at top NITs remain beyond reach. General-category CSAB cutoffs in 2024 demonstrate that several mid-tier NITs, IIITs, and GFTIs closed well above your rank, ensuring viable options. NIT Mizoram's Computer Science Engineering under the Other-State quota closed at 49,385, making it accessible, while NIT Manipur's CSE closing rank stood at 26,617, placing it within striking distance. Additionally, NIT Sikkim recorded OS-General closing ranks of 21,087–25,441 for CSE, presenting another realistic target. Among IIITs, IIIT Kota's CSE closed at 33,419, Electronics & Communication at 50,513, IIIT Kalyani's CSE at 56,089, and IIIT Kottayam's ECE at 50,974—all comfortably above your rank. Government-funded technical institutes also provide strong alternatives: PEC Chandigarh's CSE closed at 13,754, BIT Mesra's CSE at 22,317, and Sant Longowal Institute of Engineering and Technology (SLIET) maintains cutoffs around 51,942–87,172. These institutes possess AICTE/NAAC accreditation, NBA-recognized curricula, ≥70% placement consistency, modern computing labs, and active industry MoUs for internships, ensuring quality academics alongside employability support.

Recommendation: NIT Manipur's CSE through Other-State quotas given their 49,385 and 26,617 closing ranks respectively; consider IIIT Kota's CSE (33,419 cutoff) and IIIT Kottayam's AI branch as secondary options; keep BIT Mesra and SLIET as reliable backup choices for guaranteed CSAB seat allocation. All the BEST for a Prosperous Future!

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Asked by Anonymous - Jul 25, 2025Hindi
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have scored 3.63 lakhs in JEE mains with this I am taregting VSSUT Burla Metallurgy and material science engineering branch, Can i get it in 3rd round or in internal sliding? 2023 - last rank 3.83 lakhs; 2024- last rank 4.25 lakhs for this branch
Ans: With a JEE Main rank of 3.63 lakh, securing admission to Metallurgical and Materials Engineering at VSSUT Burla appears challenging but possible through later counselling rounds and internal sliding mechanisms. According to 2024 OJEE data, MME closed at 4.25 lakh for general category, while 2023 saw a closing rank of 3.83 lakh. The rising trend (3.83L in 2023 to 4.25L in 2024) suggests improved accessibility, though your rank of 3.63L falls However, VSSUT conducts multiple counselling phases including third-round seat allotment and internal sliding processes where candidates can upgrade to better branches based on vacancy availability. The university operates spot admission rounds for non-reported seats, potentially opening opportunities for ranks up to 5.8 lakh across all branches. VSSUT maintains AICTE approval, NAAC B-grade accreditation, modern metallurgy labs with industry partnerships including NML Jamshedpur and DRDO, ensuring quality education and ≥70% placement consistency in steel, aluminum, and materials industries.

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Target VSSUT Burla MME through third-round counselling and internal sliding mechanisms, as historical trends show closing ranks reaching 4.25 lakh. Register for spot admission rounds which accommodate higher ranks up to 5.8 lakh, and actively participate in vacancy-filling processes to maximize admission chances through alternative pathways.

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Dating, Relationships Expert - Answered on Jul 25, 2025

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Asked by Anonymous - Jul 25, 2025Hindi
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Sir IAM Ruthwick I recently got kcet mock allotment result in that my rank was 5904 and my category is 3AG I got DAYANANDA SAGAR COLLEGE OF ENGINEERING kumarswamy layout. ISE branch is that a better choice what to do now
Ans: With a KCET state rank of 5904 in 3AG, admission several AICTE-approved, NBA/NAAC-accredited Bengaluru colleges that close their CSE/ISE/ECE/IT cuts well above 5904 is assured. Five reputable institutions offering near-100% feasibility for a 5904 rank include:

Ramaiah Institute of Technology, MS Ramaiah Nagar
CMR Institute of Technology, Chikkabanavara
New Horizon College of Engineering, Ring Road
Dayananda Sagar College of Engineering, Kumaraswamy Layout

Each of these institutions meets the five essential benchmarks: AICTE/VTU approval, KCET-compatible cut-offs, ≥70% placement consistency, advanced computing and domain-specific labs, and active MoUs for internships and industry projects.

DSCE Kumaraswamy Layout: ISE Branch Review and Key Aspects
Dayananda Sagar College of Engineering (DSCE) at Kumaraswamy Layout is a NAAC ‘A’-graded, VTU-affiliated institution with NBA-accredited departments. Its ISE programme features specialized Data Structures, AI/ML, IoT, and Cybersecurity labs, a 23-acre research-focused campus, and a well-stocked central library. Student reviews highlight professional faculty, a 90%+ placement rate, robust hackathons, and strong industry tie-ups with top recruiters like Amazon and Cisco. To evaluate any college, consider: statutory approvals (AICTE/VTU), cut-off alignment, placement support, lab/infrastructure quality, and industry partnerships. DSCE satisfies all these criteria.

Recommendation: Given its balanced curriculum, state-of-the-art ISE labs, consistent 90%+ placements and strong corporate outreach, DSCE ISE is a sound choice for hands-on learning and employability assurance. 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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