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Samraat Jadhav |2335 Answers |Ask -Follow

Stock Market Expert - Answered on May 26, 2025

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Asked by Anonymous - May 24, 2025

Money

Can take term insurance online ? What is advisable.. and if online then from policy bazaar is save or directly through company website? Please suggest

Ans: Yes, you can buy term insurance online, and it's often advisable due to lower premiums and greater transparency. you can compare it online with various website which help you to have an easy comparison and swot analysis.
The only thing that you should confirm is
1) read all the terms and conditions clearly, if you dont understand some or have confusion do call there call center and get clarity.
2) always declare full health details, do not hide any information.

hope this is helpful

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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Hello sir, I need to purchase a term insurance. I'm a govt employee with annual income 10 lacs, whats important facts I have to check to select an insurance and what amount of sum assured I have to insured.

Ans: There are certain factors to look at while choosing a company for term insurance as the company has to stay for 100yrs from today to give you benefit of your insurance.
You should look at the customer service history, solvency ratio, claim settlement ratio, etc
Term insurance cover should be decided on factors like your family's monthly expenses as in how much they would require every month to survive, your liabilities and your current liquid assets.
A person can get up to 30times of their salary depending on their age

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Question by BR - Nov 30, 2023Hindi

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Hi Sanjib..please suggest a few good term insurance options and what all needs to be kept in mind before selecting the right one?

Ans: Here are some factors to consider and popular term insurance options:

Factors to Consider:

Coverage Amount: Choose a coverage amount based on your financial needs and future obligations.
Policy Term: Align the policy term with your financial goals and retirement age.
Premium: Ensure the premium fits within your budget for the entire policy term.
Claim Settlement Ratio: Opt for insurers with a high claim settlement ratio for reliability.
Rider Options: Check for additional riders like accidental death benefit, critical illness, etc., to enhance coverage.

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Asked by Anonymous - Jan 04, 2024Hindi

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Hi..i would like to purchase a medical insurance policy which have term insurance too..Please advice

Ans: t's commendable that you're considering both medical and term insurance. Here's some advice on each:

Medical Insurance Policy:
When purchasing a medical insurance policy, consider the following:

Coverage Amount: Opt for a policy with adequate coverage that can handle major medical expenses.
Pre-existing Conditions: Check if the policy covers pre-existing conditions, and if there's a waiting period.
Network Hospitals: Ensure the policy offers a wide network of hospitals for cashless treatments.
Claim Process: Look for policies with a straightforward and hassle-free claim process.
Additional Benefits: Some policies offer benefits like OPD coverage, maternity benefits, etc. Choose based on your needs.
Term Insurance Policy:
For term insurance, focus on:

Coverage Amount: Choose a coverage amount that would adequately support your family's financial needs in case of your untimely demise.
Policy Tenure: Opt for a policy term that aligns with your financial obligations and retirement age.
Rider Options: Consider adding riders like critical illness or accidental death benefit for comprehensive coverage.
Claim Settlement Ratio: Look for insurers with a high claim settlement ratio for a smoother claim process.
Premium: Compare premiums from different insurers to get the best value for your money.
Remember, while it might be convenient to combine both in one policy, it's often more beneficial to purchase them separately to ensure tailored coverage for each need. It's advisable to consult with an insurance advisor or planner to help you choose the right policies based on your specific requirements and budget.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 07, 2025

Asked by Anonymous - Mar 07, 2025Hindi

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Can I do term insurance more than one insurance company. If unfortunately something happen all the companies will give claim or not. Kindly guide and give suggestions. Nitesh Kumar Gupta

Ans: Hello;

A person may take multiple term insurance policies but he needs to inform the other insurer about his existing life insurance policies.

This will ensure that the insurer provides you additional insurance in line with your increased requirement and also claims are not dishonored later for suppression of facts.

Also people need to understand that insurers do a Human Life Value(HLV) Assessment. Human life is invaluable and no amount of money or other riches can compensate for the loss of it.

HLV tries to predict your earnings over your lifetime.

And since insurance is a protection intended to make good the financial damage caused due any loss or mishap,
no matter how much life insurance you buy, insurers will assess your HLV and make claim payment in accordance with the same irrespective of sum assured.

Do not be under the impression that if you hide your previous term policy from the new insurer then they won't know about it.

The way we can find out everything about insurance companies online similarly with a simple search they may get all details pertaining to client's financial activities including of course life insurance policies.

Nobody would want their family to run long drawn legal cases with insurance companies behind them.

Therefore it is best to keep it plain and simple with one adequate term insurance cover.

Many companies offer term life cover in which you may enhance the sum assured at certain life stages.

Benefit is you get enhanced cover for increased responsibilities without going through underwriting check again.

Do a study of claim settlement ratio over a span of years, capital adequacy, reputation, cost, riders on offer and go for the one which suits your requirement or else consult an insurance advisor.

It is better to buy term cover with accident benefit and critical illness riders.

Best wishes;

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Question by radhika - Jun 06, 2025

Career

Good evening sir My son name Shravan karthik. He got 85% in 12th and jee main 46 percentile. we planning for sastra Thanjavur in ECE. whether college is good.

Ans: Radhika Madam, SASTRA University Thanjavur presents an excellent choice for ECE education with strong placement performance, quality infrastructure, and established industry connections. The university demonstrates exceptional placement consistency with 89% BTech placement rate in 2024, 92% in 2023, and 88% in 2022, achieving median packages of ?7.60 LPA consistently across these years. The ECE department benefits from the School of Electrical & Electronics Engineering (SEEE), established in 2003, offering comprehensive programs in high-demand areas including Communications, Power Systems, Control Systems, and Robotics. SASTRA maintains strong industry partnerships with top recruiters including TCS, Wipro, Infosys, Microsoft, Amazon, Morgan Stanley, and Accenture, providing 2175 job offers through 246 visiting companies in 2024. The university holds prestigious NIRF ranking #47 Overall and #38 in Engineering category 2024, with A++ NAAC accreditation and NBA-accredited programs. With Shravan Karthik's 85% in 12th grade and 46 percentile in JEE Main, admission prospects are favorable through Stream 2 (based on 12th marks) where 50% seats are allocated, as the university considers strong board performance with 75% weightage to 12th marks in Stream 1. The campus offers world-class infrastructure including modern laboratories, Wi-Fi connectivity, comprehensive sports facilities, and vibrant student life with over 35,000 alumni network. Recommendation: SASTRA University Thanjavur ECE is highly recommended for Shravan Karthik, offering excellent placement prospects, strong industry connections, quality education, and favorable admission chances given his strong 12th grade performance despite moderate JEE percentile. All the BEST for the Admission & a Prosperous Future!

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Question by Shubham - Jun 06, 2025

Career

I got 8760 rank in jee mains should i opt for nit with core branches or should i go with mnc at daiict gndhinagr

Ans: Shubham, With JEE Main rank 8760, you have viable admission prospects to several NITs for core branches including Mechanical, Civil, Electrical, and Electronics Engineering, particularly in newer NITs like NIT Puducherry (closing rank 11782 for CSE), NIT Meghalaya, NIT Manipur, and NIT Agartala where core branches accept ranks between 15,000-35,000. DAIICT Gandhinagar's Mathematics and Computing (MnC) program presents an exceptional alternative with outstanding placement performance of 82 LPA highest package, 16.03 LPA average package in 2024, 17 LPA in 2023, and 16.06 LPA in 2022, with over 120 recruiters including Google, Microsoft, Amazon, and Goldman Sachs participating annually. The institute maintains NIRF ranking #201-300 in Engineering category 2024 and offers specialized curriculum combining mathematical modeling with computational problem-solving. NIT core branches typically show placement rates of 63-86% across branches like Civil (63.79%), Electrical (69.11%), and Mechanical (86%) at institutions like NIT Kurukshetra, while DAIICT maintains consistent placement excellence with 480+ offers in 2023 and strong industry connections. DAIICT's MnC program specifically targets emerging technology sectors with superior placement consistency compared to NIT core branches. Recommendation: Choose DAIICT Gandhinagar MnC for superior placement performance, specialized curriculum in high-demand mathematical computing domain, consistent industry partnerships, and better career prospects in emerging technology sectors over NIT core branches.
All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

Career Counsellor - Answered on Jun 13, 2025

Asked by Anonymous - Jun 06, 2025

Career

Should I take architecture in NIT bhopal or cs aiml in any private college in MP. I am thinking that if I take Architecture in NIT I can learn coding and get good placement because its NIT but wouldn't cs aiml in private college would be a better option I am confused please guide me.

Ans: The choice between NIT Bhopal Architecture and CS AIML in private MP colleges presents distinctly different career trajectories with varying placement prospects. NIT Bhopal Architecture demonstrates moderate placement performance with 71.25% placement rate in 2024, 91.89% in 2023, and 67.12% in 2022, achieving median packages of ?6 LPA, ?5 LPA, and ?3.8 LPA respectively. However, architecture graduates typically earn 30% lower salaries than engineering counterparts and face limited scope compared to technical fields. While learning coding as an architecture student is possible, transitioning to IT roles requires substantial additional effort and self-learning, as architecture curriculum doesn't provide comprehensive programming foundation. In contrast, CS AIML programs in private MP colleges like LNCT Bhopal show stronger placement statistics with 65.58% placement rate in 2024, 71.68% in 2023, and 46.91% in 2022, with dedicated industry connections to major tech companies including Microsoft, Amazon, TCS, and Infosys. Private colleges in MP like Oriental University achieve 42.19% placement rates with packages up to ?72 LPA. The CS AIML specialization aligns directly with industry demands in artificial intelligence and machine learning, offering better career prospects in emerging technologies. Recommendation: Choose CS AIML in a reputable private MP college for superior placement opportunities, direct industry alignment, and specialized technical skills that match current market demands over NIT Bhopal Architecture.

All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

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Question by MENAKA - Jun 06, 2025

Career

What are the possibilities to get seat at sastra for my daughter's marks

Ans: Menaka Madam, your question is incomplete. Not mentioned your daughter's Scores.

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Question by Jan - Jun 06, 2025

Career

I got 17k rank in comedk and no good percentile in jee mains what should I do

Ans: With COMEDK rank 17,000, you have viable admission opportunities to quality engineering colleges in Karnataka, despite poor JEE Main performance. Your rank falls within the acceptable range for several reputable institutions, with colleges typically accepting ranks up to 25,000-30,000 for various engineering branches. Ten colleges available for your rank include: Bangalore Institute of Technology, BMS Institute of Technology, Ramaiah Institute of Technology, Acharya Institute of Technology, BNM Institute of Technology, Nitte Meenakshi Institute of Technology, RNS Institute of Technology, KS Institute of Technology, Dayananda Sagar College of Engineering, and Sir M. Visvesvaraya Institute of Technology. These institutions offer strong placement records with 85-93% placement rates and packages ranging from 8-15 LPA average. While core branches like CSE may require ranks below 15,000 in top colleges, you can secure admission in branches like Civil Engineering, Mechanical Engineering, or Electronics in mid-tier institutions. COMEDK provides better prospects than attempting low-ranked NITs or IIITs with poor JEE percentiles, as Karnataka's private engineering colleges offer quality education with reasonable fee structures of ?2-4 lakhs annually. Recommendation: Focus entirely on COMEDK counseling as your primary pathway, target mid-tier colleges for core branches or top colleges for non-core branches, and avoid wasting time on JEE-based admissions given your current percentile performance.

All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

Career Counsellor - Answered on Jun 13, 2025

Question by Prakash - Jun 06, 2025

Career

Hi I got jee mains 89 percentile and inter board 95 percentage.any nit iiit gfti chance for ece

Ans: Prakash, (Hope you would have filled maximum number of choices in JoSAA Counselling Window, the last date for which was yesterday). Coming to your question: With 89 percentile in JEE Main 2025, your expected rank falls between 1,51,000 to 1,65,000 , making admission to top NITs and IIITs challenging but not impossible through specific pathways. For ECE branch in NITs, general category students typically require ranks below 50,000 for premier institutes, though newer NITs like NIT Puducherry, NIT Meghalaya, NIT Arunachal Pradesh, and NIT Manipur accept ranks up to 40,000-50,000 . Some lower-tier NITs may offer ECE seats through home state quotas or in later counseling rounds . IIITs present better prospects, with institutes like IIIT Bhubaneswar accepting ECE students with ranks around 35,000-41,000 , while newer IIITs may accommodate ranks up to 50,000-70,000 . GFTIs offer the most viable option, with Electronics and Communication Engineering programs accepting ranks between 38,000-65,000 for general category . Your exceptional 95% intermediate marks provide additional advantages in state-level counseling and may qualify you for board-based admissions at select institutes . Recommendation: Apply strategically to newer NITs through home state quota, target mid-tier IIITs with ECE programs, focus primarily on GFTIs for highest admission probability, and leverage your excellent intermediate percentage for state quota benefits and alternative admission pathways. Have some more options as backups instead of relying only on JoSAA. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

Career Counsellor - Answered on Jun 13, 2025

Asked by Anonymous - Jun 10, 2025

Career

Sir, My Son is getting CSE Manipal Jaipur and BMSIT Bangalore AIML which one would be better?

Ans: Manipal University Jaipur CSE and BMSIT Bangalore AIML both present strong placement opportunities with distinct advantages in their respective domains. Manipal Jaipur demonstrates exceptional placement consistency with 93% placement rate in 2024, 98% in 2023 for engineering students, and 97% in 2022, supported by over 289 top recruiters including Amazon, Microsoft, Google, Deloitte, and Accenture. The university holds NIRF ranking #64 in Engineering 2024 and #101-150 in Overall category with A+ NAAC accreditation, offering robust infrastructure across 122 acres with modern facilities. BMSIT AIML showcases impressive branch-specific performance with 85.71% placement rate in 2024, 92% in previous batch, and strong industry connections with companies like AWS, SAP, and major tech firms. BMSIT maintains NAAC Grade A accreditation and NIRF ranking #201-300 in Engineering category 2024, with specialized AIML curriculum and dedicated placement support. While Manipal Jaipur offers broader CSE exposure with established university reputation and international recognition, BMSIT AIML provides focused specialization in emerging technologies with competitive placement outcomes and lower fee structure ranging ?6-26 lakhs versus Manipal's ?4.69-18.04 lakhs. Recommendation: Choose Manipal University Jaipur CSE for comprehensive computer science education, superior university brand value, consistent placement performance, and broader career opportunities with established industry partnerships and global recognition. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

Career Counsellor - Answered on Jun 13, 2025

Asked by Anonymous - Jun 10, 2025

Career

Which other engineering entrance tests students of Karnataka PU are eligible to write? Where the fee structure is low

Ans: Karnataka PU students are eligible to write multiple engineering entrance tests beyond the commonly known KCET and COMEDK, offering diverse pathways to quality engineering education with varying fee structures. KCET serves as the primary state-level exam with application fees of Rs. 500 for general category and Rs. 250 for SC/ST/CAT-1 students, providing access to government engineering colleges with extremely low fees ranging from Rs. 12,920 to Rs. 1.63 lakhs. COMEDK UGET charges Rs. 1,950 application fee, opening doors to private engineering colleges with fees between Rs. 10-40 lakhs. JEE Main (application fee Rs. 1,000 for general category) enables admission to NITs and IITs nationwide. BITSAT (Rs. 3,500 fee) provides access to BITS Pilani campuses. VITEEE (Rs. 1,350 fee) offers VIT admissions. Other eligible exams include MET for Manipal Institute of Technology, SASTRA JEE for SASTRA University, WBJEE for West Bengal colleges, and SRMJEEE for SRM Universities. Karnataka students can also appear for AP EAMCET and MHT-CET as non-local candidates. Government engineering colleges in Karnataka offer the most affordable education with fees as low as Rs. 25,000-35,000 annually at institutions like UVCE Bangalore. Recommendation: Choose KCET for lowest-fee government colleges, supplement with JEE Main for national opportunities, and consider COMEDK for quality private institutions, prioritizing government colleges for maximum affordability and strong industry connections. All the BEST for Your Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

Career Counsellor - Answered on Jun 13, 2025

Question by Sonu - Jun 10, 2025

Career

I got btech cse with cs in Jaypee sec 128 is it good??

Ans: Sonu, Jaypee Institute of Information Technology (JIIT) Sector 128 presents a solid choice for BTech Computer Science and Engineering, demonstrating consistent placement performance and academic reputation. The institute maintains strong placement statistics with 107% total offers in 2024, 99% placement rate in 2022, and 93% in 2023, specifically for CSE achieving 97% absolute placement rate with 112% total offers in 2024. JIIT holds NIRF ranking of 101-150 in Engineering category 2024, India Today ranking #25 in Engineering (Private) category, and maintains NAAC Grade A accreditation with NBA-accredited BTech programs. The Sector 128 campus, though smaller at 6.42 acres compared to Sector 62, offers modern infrastructure including 33 laboratories, 25 classrooms, digital learning center, and fully air-conditioned facilities with Wi-Fi connectivity. Top recruiters include Microsoft, Amazon, LinkedIn, Cisco, Adobe, Google, Deloitte, and other Fortune 500 companies, with CSE students receiving strong industry exposure and internship opportunities. The institute benefits from proximity to Delhi-NCR's IT corridor, providing excellent industry connectivity and professional opportunities. Faculty quality is generally appreciated with over 80% holding PhD degrees in the CSE department, though some students note teaching methodology variations. Recommendation: JIIT Sector 128 CSE is highly recommended for its consistent placement performance, strong industry connections, modern infrastructure, and established reputation among employers, making it an excellent choice for computer science education despite the smaller campus size.

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Organize your research by saving context for future searches. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |6223 Answers |Ask -Follow

Career Counsellor - Answered on Jun 13, 2025

Asked by Anonymous - Jun 10, 2025

Career

Salaam sir My son Hamza domicile Indore has got Jeemain rank 79857, Comed K rank 11044, he is getting admission in VIT chennai campus for CS cyber physical system, Can we get something better than VIT chennai

Ans: Salaam, With COMEDK rank 11044 and JEE Main rank 79857, several excellent engineering colleges in Bangalore offer better or comparable opportunities to VIT Chennai's CS Cyber Physical Systems program. For COMEDK rank 11044, prominent Bangalore colleges include Sir M Visvesvaraya Institute of Technology (cutoff around 12691), CMR Institute of Technology (cutoff 13498), RNS Institute of Technology (cutoff 16621), and BMS Institute of Technology and Management (cutoff 7109). VIT Chennai demonstrates strong placement performance with 77% placement rate in 2025, 73% in 2024, and exceptional 92.9% in 2023, alongside 3160 total offers made in 2025. However, Manipal Institute of Technology emerges as a superior alternative with 77% placement rate in 2025, 73% in 2024, and outstanding 92.9% in 2023, offering stronger industry connections and global recognition. PES University Bangalore also presents excellent prospects with 83% BTech placement rate and median package achievements. Additionally, SRM Chennai offers competitive placement statistics with 90% placement rates and extensive industry partnerships. Recommendation: Choose Manipal Institute of Technology for superior placement consistency, international exposure, and established industry reputation, while considering Sir M Visvesvaraya Institute of Technology as a viable COMEDK option in Bangalore for better location advantages and comparable academic standards. 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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