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Ramalingam Kalirajan | Answer |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2026

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 09, 2026Hindi

Money

Taking educational loan for bba

Ans: It is acceptable to take an education loan for BBA if it improves career quality and earning potential.

» Points To Check Before Taking Loan
– Choose recognised college with good placement record
– Ensure EMI after course stays affordable
– Avoid borrowing more than required fees
– Prefer shorter repayment period if possible

Education loan is useful when linked to strong career outcomes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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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Latest Questions

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Question by Seema - May 09, 2026Hindi

Career

Sir i want to become a pharmacist and open my medical drug store ..i want to study pharmacy in delhi by doing d pharma for 2 yrs then do lateral entry in b pharm and then open my medical store in bihar Bhagalpur..kindly guide me on this sir if what i am planning is good or not as i have less knowledge on this.

Ans: HI SEEMA,
GREETINGS FROM REDIFFGURUS!

I wanted to discuss your plans regarding starting a pharmacy shop. Are you considering opening a pharmacy only, or do you have other ideas in mind?

If you wish to start a pharmacy shop right away, you can proceed with a D.Pharm degree, and after three years, you can pursue a B.Pharm (PRACTICE - 3YEAR COURSE) for further practice.

However, if you prefer to study for a B.Pharm degree first, you can decide to open a pharmacy shop after completing it. This way, there's no need to do a D.Pharm before pursuing a B.Pharm, but keep in mind that it may take you an additional one or two years. For example, if you enroll in a D.Pharm program and later enter B.Pharm through lateral entry, that could mean 2 years for D.Pharm, followed by 3 years of B.Pharm, plus 6 months for an internship.(Totally it becomes 5.5 years rather 4 years).

So, I suggest you consider going directly for the B.Pharm.

If you have any doubts, kindly do share.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Question by Aryan - May 08, 2026Hindi

Career

Hlo sir me Aryan choudhary Himachal se hu mere b arch me 3582 obc rank or crl 10912 and b plan me 1761 obc rank or crl 4672 mere kon se nit milenge

Ans: HI ARYAN,
Already i have answered your query.
BEST WISHES.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Asked by Anonymous - May 10, 2026Hindi

Career

Sir, I got 450+ marks in NEET 2026. I'm a Telangana state,BC-B category student. Can I able to get Government Medical College

Ans: HI,
GREETINGS FROM REDIFFGURUS!
Since the NTA has canceled the NEET exam, please remain patient until they make further announcements. There is no need to panic.

You are not alone; all aspirants have been affected by this decision. The date for the rescheduled exam will be communicated to you via email, so please refrain from contacting unfamiliar individuals for information.

You also do not need to pay any additional fees or go through re-registration since you registered early.

Take a day or two to rest, and then focus on your exam preparation. Reflecting on previous exams will give you an idea of how to best prepare for your reappearance at NEET. You have an opportunity to take the exam again, so make the most of it!

BEST WISHES.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Question by Pari - May 10, 2026Hindi

Career

Sir me st category raj se hu 426 around bethe hai marks acc to nta and key toh gmc ke chances hai kisi state me

Ans: HI PARI,
GREETINGS FROM REDIFFGURUS!
Since the NTA has canceled the NEET exam, please remain patient until they make further announcements. There is no need to panic.

You are not alone; all aspirants have been affected by this decision. The date for the rescheduled exam will be communicated to you via email, so please refrain from contacting unfamiliar individuals for information.

You also do not need to pay any additional fees or go through re-registration since you registered early.

Take a day or two to rest, and then focus on your exam preparation. Reflecting on previous exams will give you an idea of how to best prepare for your reappearance at NEET. You have an opportunity to take the exam again, so make the most of it!

BEST WISHES.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Asked by Anonymous - May 10, 2026Hindi

Career

NEET score 612 BC Tamilnadu.Can I get GMC seat

Ans: HI,
GREETINGS FROM REDIFFGURUS!
Since the NTA has canceled the NEET exam, please remain patient until they make further announcements. There is no need to panic.

You are not alone; all aspirants have been affected by this decision. The date for the rescheduled exam will be communicated to you via email, so please refrain from contacting unfamiliar individuals for information.

You also do not need to pay any additional fees or go through re-registration since you registered early.

Take a day or two to rest, and then focus on your exam preparation. Reflecting on previous exams will give you an idea of how to best prepare for your reappearance at NEET. You have an opportunity to take the exam again, so make the most of it!

BEST WISHES.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Question by Erra - May 10, 2026Hindi

Career

Sir, I got 450+ marks in NEET 2026 Iam a Telangana state, BC-B category student. Did I able to get any Government Medical College

Ans: HI ERRA,
GREETINGS FROM THE REDIFFGURUS!

Since the NTA has canceled the NEET exam, please remain patient until they make further announcements. There is no need to panic.

You are not alone; all aspirants have been affected by this decision. The date for the rescheduled exam will be communicated to you via email, so please refrain from contacting unfamiliar individuals for information.

You also do not need to pay any additional fees or go through re-registration since you registered early.

Take a day or two to rest, and then focus on your exam preparation. Reflecting on previous exams will give you an idea of how to best prepare for your reappearance at NEET. You have an opportunity to take the exam again, so make the most of it!
BEST WISHES

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Asked by Anonymous - May 09, 2026Hindi

Career

Hello sir. I’m scoring 607 marks in neet 2026 and i belong to general merit and have a domicile in Karnataka. Which colleges can i aim for and also is there a chance for me to get into bmcri in later rounds?

Ans: Since the NTA has canceled the NEET exam, please remain patient until they make further announcements. There is no need to panic.

You are not alone; all aspirants have been affected by this decision. The date for the rescheduled exam will be communicated to you via email, so please refrain from contacting unfamiliar individuals for information.

You also do not need to pay any additional fees or go through re-registration since you registered early.

Take a day or two to rest, and then focus on your exam preparation. Reflecting on previous exams will give you an idea of how to best prepare for your reappearance at NEET. You have an opportunity to take the exam again, so make the most of it!
BEST WISHES

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Asked by Anonymous - May 08, 2026Hindi

Career

My expected marks in NEET 2026 is 600 I am gen ,is there any chance to get GMC in west bengal state quota?

Ans: HI,
GREETINGS FROM REDIFFGURUS!
Since the NTA has canceled the NEET exam, please remain patient until they make further announcements. There is no need to panic.

You are not alone; all aspirants have been affected by this decision. The date for the rescheduled exam will be communicated to you via email, so please refrain from contacting unfamiliar individuals for information.

You also do not need to pay any additional fees or go through re-registration since you registered early.

Take a day or two to rest, and then focus on your exam preparation. Reflecting on previous exams will give you an idea of how to best prepare for your reappearance at NEET. You have an opportunity to take the exam again, so make the most of it!
BEST WISHES.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Question by K - May 07, 2026Hindi

Career

Meri jee mai 55000 CRL hai and 16800 obc rank mere liye best clg konsha rahega..HS Gujrat

Ans: HI K,
GREETINGS FROM REDIFFGURUS!
Based on your category rank and domicile, the following programs are available to you:

1. SVNI Surat:
- Electronics & VLSI Engineering: High chances
- Electrical Engineering: Very high chances
- Engineering Physics / Mechanical Engineering: Strong possibility
- Chemical Engineering / Civil Engineering: CERTAINLY

2. Other NITs:
- NIT Jalandhar / Kurukshetra: Good chances for core branches like Mechanical, Chemical, or Industrial Engineering
- NIT Srinagar / Sikkim / Goa: Good prospects for Electronics or core branches
- NIT Raipur / Agartala / Patna: Lower-ranked branches are possible

Additionally, consider IIITs and GFTIs as alternative options:
- IIIT Vadodara: Good possibility for IT-related branches, although competition is increasing
- IIIT Kota, Manipur, Kalyani: Possible for ECE or Computer Science

It is up to you to select one of the programs. To succeed, make sure to actively participate in the counseling process.

BEST WISHES.

Dr Nagarajan J S K |2861 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 12, 2026

Question by swarali - May 08, 2026Hindi

Career

CAN I GET NIT AT 62691 K GENERAL CATEGORY NON CSE

Ans: GREETINGS FROM THE REDIFFGURUS!

Based on your category rank, Lower specialisations are available in special rounds at Nagpur (mining/metallurgy, civil), Goa/Raipur/Patna/Agartala (mining/production/biotech). Please actively participate in the counselling until you achieve your goals.

BEST WISHES.

See more questions »

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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