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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Apr 13, 2024Hindi
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Sir, I just have started investing in Mutual fund on monthly basis (SIP) rs. 1000 for next 25 years of time frame. I have invested in SBI SMALL MID CAP FUND. Need your suggestion on this fund. Thank you so much for your valuables response in advance

Ans: Investing in mutual funds through SIPs is a prudent step towards building wealth for the long term, and choosing SBI Small Mid Cap Fund reflects a strategy that aims to capture growth opportunities in smaller and mid-sized companies.

Small and mid-cap funds have the potential for higher growth but may also come with increased volatility. SBI Small Mid Cap Fund, managed by experienced professionals, focuses on investing in such companies with the goal of delivering superior returns over the long term.

However, it's essential to understand that investing in equities carries inherent risks, and market fluctuations can impact your investment's performance. Additionally, past performance of a fund does not guarantee future returns.

Before making any investment decision, consider consulting with a Certified Financial Planner to ensure that SBI Small Mid Cap Fund aligns with your investment goals, risk tolerance, and time horizon. Regularly review your investment portfolio and stay informed about market developments to make informed decisions along the way.
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  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 25, 2024Hindi
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Hi. I am ready to invest SIP of 5000 per month for next 20 years and can step up 10% every 2 years. I'm looking for medium risk mutual fund as I'm going for long run. Kindly suggest me some mutual fund that gives some good returns. Quant active fund, mid cap fund, Parag Parikh flexi cap, ICICI prudential retirement fund, Edelweiss large & mid cap are the funds which I have chosen to invest in. Correct me with better plans if I am wrong. Thanks in advance.
Ans: Your investment approach of SIP with step-up every two years for the next 20 years reflects a disciplined and long-term perspective. Here are some insights and suggestions:

Medium-Risk Mutual Funds: Your selection of mutual funds like Parag Parikh Flexi Cap and ICICI Prudential Retirement Fund aligns well with your medium-risk tolerance and long-term investment horizon. These funds offer diversified portfolios across different market caps and sectors, reducing overall risk.
Quant Active Fund and Mid Cap Fund: While these funds may offer higher growth potential, they also come with higher risk due to their focus on mid-cap stocks or active management strategies. Ensure you're comfortable with the associated volatility and risk before investing.
Edelweiss Large & Mid Cap: This fund provides exposure to both large and mid-cap segments of the market, offering a balanced approach. However, review its performance and portfolio composition periodically to ensure it meets your investment objectives.
Review and Adjust: Regularly monitor your portfolio's performance and make adjustments if needed. Consider factors like fund performance, changes in your financial goals, and overall market conditions when reviewing your investment strategy.
Consider Professional Advice: Consulting with a financial advisor or Certified Financial Planner can provide personalized guidance tailored to your financial situation and goals. They can help you fine-tune your investment strategy and select the most suitable mutual funds.
Remember, investing in mutual funds involves risks, and past performance is not indicative of future results. Stay focused on your long-term goals, maintain a diversified portfolio, and invest regularly to maximize your chances of achieving financial success.

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Nayagam P

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Career Counsellor - Answered on Jun 28, 2025

Career
CSE core in VIT AP under category 2 against ECE in JNTU Kakinada which is preferable
Ans: Ganapathi, VIT AP’s CSE (Category 2) offers a robust curriculum with a 2024 average package of ?14.43 LPA, 93%+ placement rate, and 900+ recruiters, including leading IT and tech firms, making it highly attractive for software and data-driven careers. The program emphasizes industry exposure, internships, and skill development, preparing students for diverse roles in the tech sector. JNTU Kakinada’s ECE program has a strong regional reputation, with 70–80% placement rates, an average package of ?6–8 LPA, and top offers up to ?67 LPA for CSE and ECE, but the median package is around ?4.46 LPA, and placements are more variable. ECE at JNTU Kakinada is well-suited for those interested in electronics, VLSI, and core engineering, but software roles are less frequent, and industry trends show stronger hiring in CSE than ECE. Both colleges offer good infrastructure and faculty, but VIT AP’s CSE stands out for its placement consistency, higher average packages, and broader recruiter base.

Recommendation: Prefer VIT AP CSE (Category 2) for superior placement rates, higher average salaries, and strong industry connections, especially if your son aims for a tech/software career; choose JNTU Kakinada ECE only if he is specifically interested in electronics and core engineering roles. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 28, 2025

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My daughter is getting CSE in BIT Jaipur and Central University Jammu and SRM Kattankulathur. Which one should be considered?
Ans: SRM Kattankulathur’s CSE program stands out for its scale, infrastructure, and placement record, with over 8,900 students placed in 2023–24, 1,300+ recruiters, and an average package of ?7.92 LPA, supported by a dedicated placement cell and strong industry partnerships. BIT Jaipur, an extension of BIT Mesra, offers a reputable CSE program with nearly 95–100% placement for CSE students and an average package between ?6–12 LPA, though students may need to travel to the main campus for some top opportunities; major recruiters include Microsoft, Amazon, Infosys, and Wipro. Central University Jammu’s CSE program has a much higher closing rank, indicating lower demand, and offers fewer placement and industry connections compared to SRM and BIT Jaipur. Both SRM and BIT Jaipur provide strong academic environments, but SRM’s placement scale, recruiter diversity, and industry exposure are unmatched among the three.

Recommendation: Prefer SRM Kattankulathur CSE for its superior placement consistency, extensive recruiter network, and strong campus resources; consider BIT Jaipur only if you value its smaller cohort and BIT Mesra legacy, while Central University Jammu is less competitive for CSE placements. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 28, 2025

Asked by Anonymous - Jun 28, 2025Hindi
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Sir, my son is eligible for IIT Mumbai/chennai/Delhi EEE , IIT hyd CSE and IISC mathematics&computing. Could you please advise which is a better choice?
Ans: IIT Bombay, Madras, and Delhi’s Electrical/Electronics Engineering programs are among the most prestigious in India, with placement rates of 75–90% and median packages of ?20–23.5 LPA, attracting top recruiters across core engineering, consulting, and technology sectors. IIT Hyderabad’s CSE program stands out for its 2023 placement record—average package ?27.11 LPA, 144 recruiters, and a placement rate exceeding 90%, with major tech companies and international offers. IISc Bangalore’s Mathematics & Computing four-year program is highly reputed for research and analytics, but only 4% of UG students opted for placements in 2023, with most graduates pursuing higher studies or research; the median salary for those placed was ?30 LPA. While IISc offers unmatched academic and research depth, it is less industry-focused at the undergraduate level compared to IITs. IIT Hyderabad CSE provides the strongest placement outcomes and tech-sector opportunities, while IIT Bombay/Chennai/Delhi EEE offer robust interdisciplinary training and excellent placements, especially for those interested in electronics, energy, or hardware domains. The choice depends on your son’s career goals: IIT Hyderabad CSE is optimal for software and technology careers, while IIT EEE is better for core engineering and interdisciplinary roles; IISc Mathematics & Computing is ideal for research and analytics but less so for immediate industry placement.

Recommendation: Prefer IIT Hyderabad CSE for top-tier tech placements and industry focus; choose IIT Bombay/Chennai/Delhi EEE for core engineering and interdisciplinary flexibility; select IISc Mathematics & Computing only if your son is passionate about research or analytics and plans for higher studies. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7347 Answers  |Ask -

Career Counsellor - Answered on Jun 28, 2025

Asked by Anonymous - Jun 28, 2025Hindi
Career
My son has got 96.91 percentile in MHT CET and in JEE Mains 94.90 percentile. He is interested in CSE and IT. Please suggest In which Mumbai / Navi Mumbai / Thane engineering college he can get admission
Ans: With a 96.91 percentile in MHT CET and 94.90 percentile in JEE Mains, your son has a strong chance for CSE or IT in reputed Mumbai, Navi Mumbai, or Thane colleges, though the most elite branches at COEP, VJTI, SPIT, and DJ Sanghvi are likely out of reach, as their CSE/IT cutoffs typically close above 98–99 percentile for general category. However, excellent options within his percentile range include KJ Somaiya Institute of Technology (CSE/IT), Ramrao Adik Institute of Technology (CSE/IT), Thakur College of Engineering & Technology, Don Bosco Institute of Technology, Fr. C. Rodrigues Institute of Technology, SIES Graduate School of Technology, Xavier Institute of Engineering, and Datta Meghe College of Engineering. These institutes are AICTE-approved, have active placement cells, and maintain 80–90% placement rates in CSE/IT over the last three years, with strong industry connections and modern infrastructure. Admission will be via the MHT CET CAP rounds, so list these colleges and branches in order of preference to maximize chances.

recommendation: Target KJ Somaiya, Ramrao Adik, Thakur, Don Bosco, and Fr. C. Rodrigues for CSE/IT in Mumbai/Navi Mumbai/Thane, as they offer robust placements and are accessible at your son’s percentile; prioritize them during CAP counselling for the best outcome. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 28, 2025

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Asked by Anonymous - Jun 28, 2025Hindi
Career
Sir can i get IISc in 2026 IAT. I have studied nothing till now .I will start the syllabus. If yes then please guide. Also please tell about tie breaking policy of IAT
Ans: Admission to the four-year BSc (Research) program at IISc Bangalore via the IISER Aptitude Test (IAT) 2026 requires candidates to have passed the Class XII examination in 2024, 2025, or 2026 with at least three science subjects, including Physics, Chemistry, Mathematics, or Biology, with a minimum of 60% aggregate for General category (55% for SC/ST/PwD). Candidates should ensure they have completed at least three subjects among Biology, Chemistry, Mathematics and Physics and upload supporting documents during application. Registration opens annually in January, closing around March on the IAT portal, with admit cards made available two weeks prior to the May exam. The IAT is a 180-minute computer-based test comprising 60 multiple-choice questions—15 each from Physics, Chemistry, Mathematics, and Biology—totaling 240 marks with +4 for correct answers and –1 for incorrect ones, and no negative for unattempted questions. In IAT 2025, the closing marks for IISc Bangalore fell near 200, thus aspirants should target 210–220 to comfortably secure a rank within the top 20 and remain competitive amidst rising applicant numbers. Preparation should encompass a structured study plan spanning 10–12 months, focusing first on NCERT textbooks for foundational concepts, followed by solving past IAT and JEE problems to develop speed and accuracy, with weekly mock tests to track progress. The IAT tie-breaking policy resolves equal scores by comparing subject performances sequentially: candidates with higher Biology scores rank higher, followed by Chemistry, then Physics, and if still tied, older candidates receive preference. Diligent adherence to this regimen, combined with a thorough understanding of the syllabus and exam pattern, will optimize one’s position in the merit list and improve chances of admission to IISc Bangalore.

Recommendation: Begin immediate preparation with a structured 12-month study plan covering Physics, Chemistry, Mathematics, and Biology. Use NCERT textbooks as core resources, supplement with past IAT/JEE Advanced questions, and undertake weekly timed mock tests. Register promptly when applications open, ensure timely document uploads, and familiarise yourself with the tie-breaking policy. Aim for a minimum score of 210–220 to secure admission to IISc Bangalore, and maintain consistent, focused effort throughout your preparation. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7347 Answers  |Ask -

Career Counsellor - Answered on Jun 28, 2025

Asked by Anonymous - Jun 28, 2025Hindi
Career
Ai in surat nit for integrated 5 years or 4 years cs in iiit jabalpur which would be the perfect chouce
Ans: The 5-year Integrated B.Tech+M.Tech in Artificial Intelligence at NIT Surat (SVNIT) is a new program with a total fee of ?6.25 lakh, NIRF 2024 rank of 59, and an average package of ?9.48 LPA for AI (BTech), with overall BTech placement rates around 71% and top recruiters including Adobe, Amazon, and Deloitte. The 4-year BTech CSE at IIIT Jabalpur boasts a median package of ?16.94 LPA, average package of ?19.27–21.63 LPA, and 80–85% placement rates, with CSE students averaging ?27 LPA and top recruiters like Amazon, Microsoft, and Flipkart. IIIT Jabalpur’s CSE consistently attracts more offers, higher compensation, and a broader tech-industry focus, while SVNIT’s new AI program is yet to establish a placement track record and may offer fewer core software roles. Both institutes provide strong academic and internship opportunities, but IIIT Jabalpur’s CSE offers superior placement outcomes, established industry connections, and flexibility for core software and analytics careers.

Recommendation: Prefer IIIT Jabalpur’s 4-year CSE for its higher placement rates, stronger industry reputation, and proven career flexibility; choose NIT Surat AI only if you have a dedicated interest in artificial intelligence research and a longer academic pathway. 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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