I stay in Bharuch, a city in Gujarat. I am planning to book a flat of 2bhk in this city. The apartment is still under construction and I need home loan to buy that home. My queries are:

• How much per cent can I get home loan (I require 90 per cent of total cost). So it is possible by any bank?
• If the apartment is under construction and I have applied for loan then what will be the EMI condition. Few say till I get possession of house I will be charged only interest as EMI while other says I will be charged EMI with interest and principal amount. So what is correct and best way to me to do?
• Presently am staying in a rented house. So if EMI starts I will be in trouble as I need to pay both loan and house rent. So please guide me.

Ans: Yes. See previous years' cut off

Ans: Good Chances (esp. in CSAB rounds):
IIIT Bhagalpur – CSE

IIIT Ranchi – CSE / AI & DS

IIIT Bhopal – IT / CSE

IIIT Nagpur – CSE (Home state people have better chance, but still possible)

IIIT Kalyani (West Bengal) – CSE (you have a home state advantage here!)

NIT Mizoram / Nagaland / Meghalaya / Sikkim – CSE / ECE (CSE a bit tough, but possible)

GFTIs like:

GKV Haridwar – CSE

IIEST Shibpur – lower branches (but not CSE) – although being from WB, you may check home state quota branches

NIT Durgapur (Home state) – CSE cutoff usually closes around rank 20,000-25,000 (General) so not likely for CSE, but ECE, EE, or Mechanical might be possible.

IIIT Allahabad, IIIT Hyderabad, IIIT Delhi – out of reach at this rank for CSE (very high cutoffs)

You can go for IT also. Syllabuses are almost same

Ans: Yes

Ans: Without knowing your background, I cannot suggest

Ans: Yes

Ans: You might get:

Chemical Engineering

Civil Engineering

Leather Technology

Biochemical Engineering

Oil Technology

Paint Technology

Ans: You might get:

Lower branches like Mechanical, Civil, Metallurgy, Biotechnology in newer NITs like:

NIT Mizoram

NIT Nagaland

NIT Sikkim

NIT Arunachal Pradesh

NIT Meghalaya

NIT Puducherry (some branches)

You may get into:

IIITs in newer campuses or with less preferred branches like:

IIIT Bhagalpur

IIIT Bhopal

IIIT Nagpur

IIIT Manipur

IIIT Una

IIIT Kottayam

IIIT Ranchi, etc.

Branches: ECE, IT, or even CSE in some less-competitive IIITs.

Ans: Avijit Sir, To provide more specific guidance, it would be helpful to know how many marks your son scored in Mathematics and Science specifically, and what exactly has motivated his interest in pursuing these subjects up to graduation. Also, what are his long-term goals? Suggestion: Please arrange a Psychometric Test for him. It will offer a clearer picture of his aptitude, interests, and personality, helping to identify which career paths might align best with his strengths. Academic Preparedness:
Please note that Class XI Science—especially Physics and Mathematics—is highly conceptual and more rigorous than Class X. If he faced difficulties in these subjects earlier, it’s important to bridge that gap now through: A foundation course or Summer preparation by joining any Coaching Cenre Offline or online. Coaching can be helpful, but only if the motivation comes from within. Without genuine interest, coaching may lead to burnout. If he is aiming for competitive exams like JEE (IIT, NIT), NEET, or wants to explore pure sciences at institutes like IISc or IISER, it’s vital to develop a structured study routine early on. Maintain Career Flexibility. Even if he continues with Science and Math now, he can later explore interdisciplinary fields such as: Data Science | Finance | Architecture | Design Or even emerging tech fields Choosing Science now doesn’t limit him—it actually keeps more doors open for the future. All the Best for Your Son's Prosperous Future.

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

Ans: Priyanshi, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile | Convert the Percentile to AIR, based on the Formula available in Google.
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.