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Ramalingam Kalirajan |8604 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 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

Question by Sameer on Jun 06, 2024Hindi

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Thanks you Sir for your inputs and guidance. One thing I forgot to mention is that I have income of 1.3 laks from my Job

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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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Question by Manikandan - Feb 01, 2023Hindi

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Hi, My salary is 8.5 Lacs per year. I have a investment of Rs.1.5 lacs. Still i need to pay the tax.. please advise

Ans: If person is earning earning 8.5 lacs per year and already done investment of Rs.1.5 lacs, he can do additional investment to save more tax. 80C provides limit of Rs.1.5 lacs for investment in PPF/Insurance Premium/Tax saver MF/Tax saver FDs. In addition to that mediclaim deduction upto Rs.25k (if age of insured is above 60 - like mediclaim for parents - deduction will increase to Rs.50k. In addition to that additional 50k for investment in NPS.

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Question by Saurabh - Jun 13, 2024Hindi

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Thanks for the detailed valuable advise. I forgot to mention that I have 9 lacs of mediclaim Insurance and 50 lacs term Insurance as well. I also made a 30 lakhs investment in office space for capital appreciation. Having own house and a car loan of 4.5 lakhs.

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Nayagam P P |5497 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Asked by Anonymous - May 25, 2025

Career

Hi, my son is getting CSE in RVU. Is it a good option? Getting a good branch in VIT and other colleges based on his rank is unlikely.

Ans: RV University’s B.Tech CSE program is a viable option if securing top branches at premier colleges like VIT is unlikely due to rank constraints. Established in 2019, RV University offers a modern curriculum emphasizing AI, ML, and Data Science, with industry-aligned projects, global internships, and interdisciplinary learning. While the institute is newer, its focus on emerging technologies and hands-on experience through collaborations with tech firms and startups provides practical exposure. However, its placement network is still developing compared to established institutions like RV College of Engineering (RVCE), which boasts stronger industry ties and broader opportunities. Infrastructure at RV University includes modern labs and smart classrooms, though sports and extracurricular facilities are limited. For students prioritizing cutting-edge tech exposure and flexibility in learning, RV University is a reasonable choice, but expectations should align with its nascent institutional reputation and evolving campus ecosystem. All the BEST for your son's Admission & Prosperous Future!

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Career Counsellor - Answered on May 30, 2025

Question by Aaloo - May 25, 2025

Career

Sir , my jee mains rank is 114000 , Delhi HS , open category male , can i get a good college and branch in delhi ?

Ans: Aaloo, With a JEE Main rank of 1,14,000 in the open category and Delhi home state quota, getting CSE or other top branches in premier Delhi colleges like DTU, NSUT, IIIT Delhi, or IGDTUW is not feasible, as their closing ranks for CSE, IT, and ECE are typically below 25,000 even for home state candidates. For example, DTU’s CSE closes around 11,800, IT at 14,900, and ECE at 24,100 for the general category. However, you may have a chance in private colleges or less competitive government institutes in Delhi such as Dr. Akhilesh Das Gupta Institute of Technology, BVCOE, MSIT, or Jamia Hamdard, where closing ranks for branches like Mechanical, Civil, or Chemical Engineering can extend up to 1,00,000 or more. DSEU (Delhi Skill and Entrepreneurship University) is also an option, with CSE closing around 27,000–42,000 for the general category. While top branches in top colleges are out of reach, good options remain in private and emerging institutes for other engineering streams. All the BEST for your Admission & Prosperous Future!

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Career Counsellor - Answered on May 30, 2025

Asked by Anonymous - May 25, 2025

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I have got 97k rank in jee mains and 14k rank in ews category and 86pr in gujcet. in which good college i can get cse

Ans: With a JEE Main All India Rank of 97,000, EWS rank of 14,000, and 86 percentile in GUJCET, your chances for CSE in top NITs or IIITs are limited, as CSE cutoffs for even lower NITs (e.g., NIT Arunachal Pradesh) close around 90,922 for Home State quota, and IIITs typically close much earlier for CSE. However, you have a good chance in GFTIs (Government Funded Technical Institutes), where CSE cutoffs for EWS candidates can extend to 30,000–55,000 ranks, and in some cases, even higher for less competitive branches. Through GUJCET, an 86 percentile gives you strong chances for CSE or IT at reputed Gujarat colleges like LD College of Engineering, Nirma University, PDPU, and Maharaja Sayajirao University, where cutoffs for CSE generally fall between 80–90 percentile. Consider applying to these state colleges for better odds and placement opportunities, and use your EWS quota for GFTIs and state counselling for optimal results. All the BEST for your Admission & Prosperous Future!

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Tech Careers and Skill Development Expert - Answered on May 30, 2025

Question by SHAIK - May 27, 2025

Career

I secured jee mains 2025 ews category rank of 126463. Can I get cse in any Nits, IIITs and GFTIs

Ans: Based on your EWS category rank of 126,463 in JEE Main 2025, securing a seat in Computer Science and Engineering (CSE) at NITs, IIITs, or GFTIs is highly unlikely.

Dr Nagarajan J S K |510 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 30, 2025

Question by Ashok - May 29, 2025

Career

My son is expecting 370 in neet 2025, which medical collecge he can go for in 2025, and is it worth to drop and prepare for 2026 neet

Ans: Hi Sir,
Based on your predicted NEET score, it may be challenging to gain admission for MBBS, as it is nearly 50% of the targeted marks. Before we proceed further, could you please provide the subject-wise marks for 10th and 12th grades? Thank you.
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Nayagam P P |5497 Answers |Ask -Follow

Career Counsellor - Answered on May 30, 2025

Question by Tayari - May 25, 2025

Career

My daughter got 103000 rank in vit and qualify for counseling to ap and bhopal campus. Is any chance to get cse in category 1 fro vit ap

Ans: Tayari, With a VITEEE rank of 1,03,000, your daughter is eligible for counselling at VIT AP and VIT Bhopal, but securing a Category 1 seat for CSE at VIT AP is not possible. The Category 1 cutoff for CSE at VIT AP typically closes around rank 14,000, and even for higher categories, the cutoff rarely exceeds 20,000. At VIT Bhopal, the closing rank for CSE is expected to be between 49,000 and 50,500, while for ECE it may go up to 1,00,500. Since your daughter’s rank is well above these cutoffs, she will not be able to get CSE in Category 1 at VIT AP. However, she may be considered for less preferred branches or higher fee categories (Category 4 or 5) at VIT AP or for ECE at VIT Bhopal, depending on seat availability and counselling rounds. All the BEST for your Admission & Prosperous Future!

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Question by Gupta - May 27, 2025

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Namasthe My son got 25200 rank in AEEE exam can he get admission in Amritha ViswaVidhyaPeetam dir

Ans: Based on your son's AEEE rank of 25,200, securing admission to the Computer Science and Engineering (CSE) program at Amrita Vishwa Vidyapeetham is highly unlikely.

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Career Counsellor - Answered on May 30, 2025

Asked by Anonymous - May 30, 2025

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Sir how many counselling are there for students who have appeared JEE

Ans: The Joint Seat Allocation Authority (JoSAA) conducts six rounds of centralized counselling for admission to IITs, NITs, IIITs, and GFTIs based on JEE Main/Advanced ranks. JoSAA registration begins in June 2025, followed by choice filling, mock seat allocations, and seat allotment rounds. After JoSAA concludes, the Central Seat Allocation Board (CSAB) manages two special rounds to fill vacant seats in NITs, IIITs, and GFTIs. Eligible candidates include those unallocated in JoSAA or seeking seat upgrades. JoSAA’s process prioritizes IIT admissions via JEE Advanced ranks and NIT+/IIIT/GFTI admissions via JEE Main ranks, with seat acceptance fees and document verification at each stage. CSAB’s special rounds focus on remaining vacancies through separate registration and allotment. Together, JoSAA and CSAB ensure comprehensive seat allocation across 23 IITs, 31 NITs, 26 IIITs, and 40 GFTIs, with over 59,000 seats in 2025. Candidates must participate sequentially in JoSAA’s six rounds and CSAB’s special rounds for final admissions. All the BEST for your Admission & Prosperous Future!

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Asked by Anonymous - May 27, 2025

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Hi sir, this is mahi. Can i get cse coimbatore or amritapuri for aeee rank 5k and jee 92.4 percentile?

Ans: Yes, with an AEEE rank of around 5000 and a JEE Mains percentile of 92.4, you have very good chances of getting CSE at Amrita — particularly in the Coimbatore or Amritapuri campuses.

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NEET, Medical, Pharmacy Careers - Answered on May 30, 2025

Question by Pragya - May 29, 2025

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I am scoring 342 from general category in neet 2025 can I get medical College in Madhya Pradesh?

Ans: Hi Pragya,
Based on your predicted NEET score, it will be difficult to gain admission for MBBS, as it is almost 50% of the targeted marks.
BEST WISHES.
POOCHO. LIFE CHANGE KARO!

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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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