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Ramalingam Kalirajan |11161 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 14, 2025

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 Ram on May 14, 2025

Money

Thanks sir for your detailed answer.

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
https://www.youtube.com/@HolisticInvestment

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 Mrinal - Mar 11, 2026Hindi

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Thank you sir for the detailed response.

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

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Latest Questions

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Asked by Anonymous - May 04, 2026Hindi

Career

Sir i got 92 percentile in jee mains and 19k ews rank telangana state and i am interested in ece courcse sir Can i get any collage?

Ans: You have realistic chances for ECE in newer/lower NITs and several IIITs (especially via later rounds/CSAB). Target IIIT ECE as a strong option and keep some NITs as aspirational.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Question by Piyush - May 04, 2026Hindi

Career

I have 89k CRL & 29k OBC rank Which IIITs can I get? Any branch will work

Ans: Try with IIIT Bhagalpur / Kottayam / Una / Bhopal / Dharwad / Ranchi / Manipur / Kalyani / Surat, and some newer IIITs/lower-demand branches

Good luck.
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Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Question by Santosh - May 03, 2026Hindi

Career

My daughter has got 85 percentile in jee mains and passed 12 from BOSSE, gangtok sikkim what are her chances of getting nit sikkim

Ans: She has a good chance of getting a seat in NIT Sikkim, but mainly in lower branches (like Civil/Mechanical/Electrical), not CSE/ECE. Please verify the BOSSE document/eligibility acceptance carefully during counselling.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Asked by Anonymous - May 03, 2026Hindi

Career

Hello Sir, my daughter got 1.9L rank in jee. Can she get core branches like mechanical engineering in some good NIT? Please suggest. Thanks

Ans: Chances with Mechanical are almost nil/dim. Lower/newer NITs may be possible in lower-demand branches, depending on category/home state, so stronger realistic options are state colleges, GFTIs, private colleges, or CSAB opportunities

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Asked by Anonymous - May 03, 2026Hindi

Career

Sir my son got CRL 27265 GEN category. Home state is Gujarat. Need your guidance for admission in CSE or related branches. Preference NIT,IIIT, PVT

Ans: Your son has realistic CSE/related options with newer/lower-cutoff NITs only in less-demanded branches, but much stronger chances in good IIITs and reputable private colleges. So prioritize IIIT CSE/IT over lower NIT non-CS branches if CSE is the fixed goal.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Asked by Anonymous - May 03, 2026Hindi

Career

My Daughter details:- 98.22 Percentile. Category: General Female. Rank: 28,268. Can she get CSE/ECE in Tier 1 NITs.

Ans: Chances with top-tier 1 NITs are almost dim/nil. But she can target strong newer/mid NITs for ECE and several good IIITs for CSE/ECE, with a female quota for sure-shot admission/success.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Question by Sai - May 03, 2026Hindi

Career

Sir I scored 85.9 %ile in JEE MAINS and 72% in HSC BOARDS , can i get ECE / EE branch at symbiosis ( SIT ) Pune ??

Ans: You have a realistic chance of getting ECE/ENTC @ Symbiosis Institute of Technology, Pune, while EE availability depends on the exact program/seat matrix for the year.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Question by RAKHI - May 03, 2026Hindi

Career

Considering CRL of 33000 for my daughter in General category, what are the possibilities of core branches particularly Electrical and Mechanical in NIT like Calicut, Nagpur (home state) and Rourkela? Also which NIT she can aspire for if she opts for Chemical. Will IIIT-Nagpur be a good choice if she plans CSE/ECE.

Ans: Electrical/ECE/Mechanical in top NITs like Calicut, Rourkela, and VNIT Nagpur are NOT possible. Mechanical/Chemical or lower branches in mid/lower NITs are possible. Prefer NIT (Chemical/Mechanical in decent NITs) over IIIT Nagpur unless your daughter is strictly CS-focused.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Question by akshata - May 03, 2026Hindi

Career

Dear Sir/Madam, I am a JEE aspirant who recently appeared for the Maharashtra State Board HSC examination and secured 65%. However, as per the eligibility criteria for JEE Mains, a minimum of 75% is required. I would like to inquire whether I should appear for the class improvement examination conducted by the Maharashtra State Board. Specifically, I wanted to understand if appearing for the improvement exam in July is a worthwhile option, and whether it can significantly increase my overall percentage. I would be grateful if you could guide me on whether the improved marks are considered for eligibility and how effective this attempt usually is. Thank you for your time and guidance.

Ans: Yes. Appearing for the improvement exam is a worthwhile option if you can realistically raise your aggregate to 75%+, because improved marks are generally considered for JEE/JoSAA eligibility. But take care that during this exercise, you do not lose a year due to a delay in the results. Make a wise decision after considering all angles. You did not mention the score of the JEE examination in your question. Hence, it is not possible to guide you to the point.

Good luck.
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Radheshyam

Radheshyam Zanwar |7118 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 04, 2026

Question by Manarsh - May 03, 2026Hindi

Career

Sir , My daughter got 98.17 percentile and 30600 rank in JEE mains . She is the general category student . We live in Noida . She did her 12th from Delhi School . What are her chances in getting CSE or E&C in any good NIT or IIIT based on all the above said inputs . Will we get the seat in these branches in NIT or IIIT . If not please suggest any good GFTI also . We are planning to fill JAC Delhi counselling also . Apart from this should we go for any other counselling or keep any Private institute as a back up option . Please advise .

Ans: She has chances in ECE and in lower-cutoff CSE at newer NITs/IIITs, along with very good IIIT options. She should definitely pursue JoSAA + JAC Delhi + state/private backups (e.g., LNMIIT/Thapar/Jaypee if available), as top NIT CSE is unlikely, but quality NIT/IIIT/GFTI outcomes are very achievable.

Good luck.
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Radheshyam

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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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