I started my new Employee PF account in December 2005 and have been contributing until August 2017. At the age of 53, I moved out of the corporate. I received my PF interest in October 2018 for the financial year 2017-18 and in October 2019 for the financial year 2018-19. I am awaiting the next PF credit. I do not intend to get back to job. Please let me know until which year I will continue to get interest and the best time to withdraw my PF and the taxability of the same.

Ans: Parambrata, Based on your academic profile and career interests in mathematics, data science, and AI/ML, RGIPT’s Mathematics & Computing (MNC) emerges as the top recommendation due to its 65% placement rate (2023) and industry-aligned curriculum with strong data science components, followed by IISER Bhopal’s BTech program (12% placement rate in 2023) for its research-oriented computational training. IISER Kolkata’s Computational Data Science, while academically rigorous, has limited placements (6.5% in 2023), making it suitable primarily for research careers. Jadavpur University’s Chemical Engineering (90% placement rate) and Power Engineering (90% placement rate) offer stable core engineering opportunities but lack direct alignment with AI/ML domains. NISER’s focus on pure sciences may not cater to immediate industry demands in data science. Prioritize RGIPT MNC for balanced career prospects, IISER Bhopal for research foundations, and consider JU’s programs only if willing to bridge into tech roles via upskilling. All the BEST for your Admission & a Prosperous Future!

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Ans: Both KIIT Bhubaneswar and Manipal University Jaipur (MUJ) are reputable private universities with strong Computer Science Engineering (CSE) programs, but they differ in certain aspects that may influence your decision. KIIT has a longer track record, higher national visibility (NIRF Engineering rank 42), and a well-established CSE department, reflected in consistently strong placement percentages—97% to 100% over the last three years—with over 700 recruiters and a wide alumni network, making it a reliable choice for career opportunities and industry exposure. MUJ, meanwhile, has rapidly gained prominence in North India, achieving a 98% placement rate in 2023 and attracting more than 289 recruiters, with a modern campus and robust infrastructure; its location in Jaipur is closer to Gurgaon, which may offer logistical and networking advantages, especially for internships or future job prospects in the NCR region. Both universities offer excellent infrastructure, active placement cells, and diverse industry tie-ups, but if you prioritize a well-established legacy, broader recruiter base, and slightly higher placement consistency, KIIT is preferable, whereas MUJ is a strong alternative if proximity, lower fees, or a North India network is more important for your family. All the BEST for your Son's Admission & a Prosperous Future!

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Ans: Viksit, With an 81.2 percentile in JEE Mains, your All India Rank is likely around 2,85,000, which makes it challenging to secure a seat in top government engineering colleges in Punjab, Haryana, or Delhi, especially for popular branches like Computer Science. For Punjab, NIT Jalandhar’s closing ranks for core branches are typically much lower than your rank, and state government colleges like Thapar Institute and Punjab Engineering College (PEC) Chandigarh also require higher percentiles, with PEC’s cutoffs for general category ranging from 16,285 to 88,686, well above your range. In Haryana and Delhi, government institutes such as DTU, NSUT, and IGDTUW have even more competitive cutoffs, making admission unlikely at your percentile. However, you may have a chance in lower-demand branches or through state quota in some GFTIs or newer NITs (e.g., NIT Sikkim, NIT Agartala) for non-core streams. As backup options, consider reputable private universities like LPU, KIIT, or state-level colleges with their own entrance processes, which accept students in the 80–90 percentile range and offer decent placements and academic environments. It is recommended to participate in state counseling rounds and keep private institutes as alternatives for a wider range of choices. All the BEST for your Admission & a Prosperous Future!

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Ans: KL University (KLU) Vijayawada is a well-established private deemed university that has consistently ranked among the top institutions in Andhra Pradesh, securing an impressive overall NIRF 2024 rank of 40 and 22nd in engineering, reflecting strong academic standards and institutional reputation. The CSE program at KLU is supported by a highly qualified faculty with expertise in emerging areas like AI, Data Science, and Cyber Security, and offers modern infrastructure, well-equipped labs, and extensive industry exposure. Placement statistics are robust, with the 2024 CSE highest package reaching ?56.5 LPA and an average package of ?7.8–11 LPA, while over 90% of eligible students are placed annually with top recruiters such as Amazon, TCS, JP Morgan, and Deloitte. The university also offers strong career preparation, internships, and a proactive placement cell, with many students securing international opportunities and starting their own ventures. Given these strengths, KLU Vijayawada is a good choice for CSE in terms of career opportunities, though students aiming for premier government institutions like NITs or IITs may consider those as alternatives if accessible. All the BEST for your Admission & a Prosperous Future!

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Ans: Choosing between CSE and ECE in MAHE Manipal depends on your interests and career aspirations. If you enjoy coding, programming, and software development, CSE might be a better fit. If you prefer electronic devices, circuits, and communication technologies, ECE could be a better choice. Both branches have strong placement records and good career prospects

Ans: Certainly, provide it suits you.

Ans: For you, CSE at Jaypee Institute of Information Technology (JIIT) Noida, Sector 128, is generally considered a better choice than ECE at Madan Mohan Malviya University of Technology (MMMUT) Gorakhpur, particularly if your goal is a career in the IT industry or if you prefer a coding-focused environment.

Ans: With 128 marks in MHT CET, getting into a tier 1 college with Computer Science (CSE) or Electronics and Communication Engineering (ECE) is unlikely but not impossible. Tier 1 colleges for MHT CET typically require scores significantly higher than 128, especially for competitive branches like CSE and ECE.

Ans: The Integrated M.Tech program in Computer Science and Engineering with Virtusa at VIT Vellore can be a good option, especially if you are interested in software engineering and have strong academic skills. It's a 5-year program that combines a B.Tech and M.Tech degree, potentially leading to better job opportunities and a shorter time to complete both degrees.