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Ramalingam Kalirajan |11152 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 25, 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 Subho on Aug 22, 2025Hindi

Money

Thanks sir. Will keep all the points in mind.

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 Giridhar - Oct 21, 2024Hindi

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Dear Sir, thank you very much for your detailed guidance. Will surely take care of the highlighted points

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

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Question by Aastha - Dec 01, 2024Hindi

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Thanks sir for you consideration. I will definitely follow your advise.

Ans: Always available for you. No worries. I am there to guide you...............................:)

Ramalingam Kalirajan |11152 Answers |Ask -Follow

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

Question by KP - Feb 13, 2025

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Thank you sir, for the response, i will consider all the points suggested.

Ans: You're most welcome! I'm glad you found the response helpful. If you ever need further guidance or want to refine your strategy, feel free to ask. Wishing you financial security and peace of mind in the years ahead.

Take care and all the best! ????

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ramalingam Kalirajan |11152 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 17, 2025

Question by Rajakumara - Jun 17, 2025

Money

Thank you so much Sir ! I will consider your points and come back to you after few months or years for further guidance. Thanks for the noble 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
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |11152 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 17, 2025

Question by Utkarsh - Sep 16, 2025Hindi

Money

Thank you sir, for your this extensive feedback. Will keep it in mind.

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

Latest Questions

Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Question by Srilaxmi - Apr 25, 2026Hindi

Career

Sir, my son got 98.60percentile...obc ncl.... CAN WE EXPECT CSE

Ans: Srilaxmi Madam, you have not mentioned son's Home State. Based on his score, CSE admission is possible but largely depends on your son's OBC-NCL rank and home state quota. In top NITs like NIT Trichy, NIT Surathkal, and NIT Warangal, CSE remains highly competitive and typically closes at much higher ranks. However, there are very good chances for CSE in mid-level NITs and IIITs such as NIT Jalandhar, NIT Raipur, NIT Patna, IIIT Kota, IIIT Pune, and IIIT Nagpur, depending on rank movement and quota availability. Even stronger opportunities exist for ECE and through CSAB Special Round upgrades. I suggest keeping the preference order as CSE → IT → AI/Data Science → ECE, filling the maximum number of JoSAA choices, and treating CSAB as a strong Plan B. Please use your exact OBC-NCL rank for a more precise prediction. Additionally, reviewing JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently select and fill his preferred & maximum number of choices. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 25, 2026Hindi

Career

Hi Sir, My son has secured a rank of 4320 (CRL) in JEE Mains 2026. Home State is not an option. Can you suggest Institute + Branch preferences that we should opt?

Ans: Based on your son's score, he has strong chances for admission to top NITs and good IIITs, particularly in branches like ECE, EE, Mechanical, Mathematics & Computing, and, in some cases, CSE at mid-to-top NITs depending on the round and institute. JoSAA confirms that open category ranks are based on CRL. The preferred order to consider is NIT Trichy, NIT Surathkal, NIT Warangal, MNNIT Allahabad, NIT Calicut, NIT Rourkela, NIT Kurukshetra, MNIT Jaipur, SVNIT Surat, NIT Nagpur, followed by IIIT Allahabad, IIIT Gwalior, and IIIT Jabalpur. Suggested branch preference is CSE → AI/Data Science → ECE → Mathematics & Computing → EE → IT → Mechanical. While top NIT CSE may be difficult to secure (for example, NIT Trichy CSE closes near the top 1000 rank), ECE at strong NITs and CSE at good IIITs are very realistic options. Additionally, reviewing the JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently fill the maximum number of his preferred choices. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 25, 2026Hindi

Career

Hi, My son has secured a rank of 4320 (CRL) in JEE Mains 2026. Home State is not an option. Can you suggest Institute + Branch preferences that we should opt?

Ans: Based on your son's score, he has strong chances for admission to top NITs and good IIITs, particularly in branches like ECE, EE, Mechanical, Mathematics & Computing, and, in some cases, CSE at mid to top NITs depending on the round and institute. JoSAA confirms that open category ranks are based on CRL. The preferred order to consider is: NIT Trichy, NIT Surathkal, NIT Warangal, MNNIT Allahabad, NIT Calicut, NIT Rourkela, NIT Kurukshetra, MNIT Jaipur, SVNIT Surat, NIT Nagpur, followed by IIIT Allahabad, IIIT Gwalior, and IIIT Jabalpur. Suggested branch preference is CSE → AI/Data Science → ECE → Mathematics & Computing → EE → IT → Mechanical. While top NIT CSE may be difficult to secure (for example, NIT Trichy CSE closes near the top ~1000 rank), ECE at strong NITs and CSE at good IIITs are very realistic options. Additionally, reviewing the JoSAA opening and closing ranks from the past 2–3 years will provide valuable insights and help your son confidently fill the maximum number of his preferred choices. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 25, 2026Hindi

Career

Sir good morning, My son jee mains 2026 2nd got 89 percentile. and AIR 169813 and belong to obc ncl.home state up.he is want cse/ core branch nit or iiit and other govt college/ MEC pune plz tell me.

Ans: Good Morning! Based on your rank, securing CSE in NITs or top IIITs during regular JoSAA rounds is very difficult. Your realistic options mainly include newer IIITs (with better chances in ECE/IT and lower chances in CSE), lower NIT core branches, and GFTIs through JoSAA and CSAB special rounds. Consider institutions like IIIT Bhagalpur, IIIT Ranchi, IIIT Kalyani, IIIT Agartala, IIIT Manipur, IIIT Una (though chances are lower), Assam University, Gurukula Kangri, BIT Mesra off-campus, and lower core branches (Civil, Mechanical, Production, Metallurgy) at NIT Srinagar or Agartala. For MEC Pune, government CSE options like COEP, MIT-WPU, or PCCOE are likely preferred, making government CSE difficult; however, reputed private colleges in Pune for CSE/ECE remain strong backup choices. It is advisable to keep CSAB, AKTU counselling, Maharashtra State CAP Counselling, and private college (in and around UP) options together. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Question by GARVIT - Apr 24, 2026Hindi

Career

NAMASKAR SIR, MY SON GOT 92.9400311 percentile and crl 109654 with haryana home state he wants to pursue cse/ai/ml branches tech related so now he is targetting viteee,comedk,cuet and bits pilani. Our main focus is to prepare him for bits pilani as it's level is equivalent or better than many iits so just wanna know if it is a good decision

Ans: Namaskar! Joining BITS Pilani is a good decision; however, please note that admission is highly competitive, typically requiring a minimum of 250–260 marks for MSc programs and 290–320 marks for BE programs, especially for the CSE branch, depending on the campus. COMEDK can be a strong second option, targeting top colleges like RVCE, BMSCE, and MSRIT. If feasible and desired, PES can serve as another backup. Additionally, consider VIT Bhopal as a third backup and CUET as a fourth. Also, keep Thapar and 2–3 other reputed private engineering colleges in Haryana as further backup options to maximize chances. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Question by Sandeep - Apr 24, 2026Hindi

Career

My son got 94.37 percentile in JEE Main and has 87994 ranks in General Category. Please suggest me that he can get admission in CSE and ECE branch in IIITs or NIIT or any reputed Private Colleges with good placement records.

Ans: Sandeep Sir, you have not mentioned your son's Home State. Please note, based on your son's score, admission to NIT CSE/ECE in regular JoSAA rounds is unlikely. Recent JoSAA and CSAB cutoff trends indicate that good IIIT CSE/ECE seats close much earlier, but CSAB rounds may provide opportunities in newer IIITs and GFTIs. Consider options like IIIT Bhagalpur, IIIT Agartala, IIIT Kalyani, IIIT Ranchi, IIIT Senapati, IIIT Manipur, Assam University, Gurukula Kangri, and BIT Mesra off-campuses, mainly for ECE, IT, and CSE branches. For reputed private colleges with stronger placement ecosystems, apply to Thapar, LNMIIT Jaipur, Plaksha, Jaypee Noida, MIT Jaipur, VIT, and SRM Ghaziabad/Noida. Additionally, keep your son's State counselling and CSAB Special Round as mandatory backups. It is generally preferable to choose CSE/IT in a good private college over other branches in a lesser-known government institute. ALL the BEST for Your Son's Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

Hi Sir, My daughter in Gen category has scored 88 percentile in jee mains with home state quota of Delhi.. what are the possible admissions?

Ans: Based on your daughter's score, the chances of securing admission in NIT/IIIT for CSE, ECE, or core branches through JoSAA regular rounds are very low. She may explore some GFTIs or lower-demand branches primarily through CSAB special rounds. For JAC Delhi, DTU, NSUT, and IIIT-D for CSE/ECE are generally unrealistic at this rank. However, as a female candidate, she should strongly consider IGDTUW, where Delhi-region female cutoffs tend to be lower than DTU and NSUT. Still, admission in CSE, IT, or ECE may be challenging, with possibilities mainly in MAE, dual-degree, or lower branches if her rank aligns with spot round trends. It is advisable to keep backup options open, including IPU counselling, JAC spot rounds, CSAB rounds, and private Delhi-NCR colleges, and to manage JAC, IPU, and CSAB options together for the best chances. ALL the BEST for Your Daughter's Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Asked by Anonymous - Apr 24, 2026Hindi

Career

Hello sir,i got 93.8 percentile and 96123 crl rank and obc ncl rank is 31,000 and my home state is telangana pls suggest me iiits cse or ece for me ,iam getting good iiits and nits in csab according to last year can i keep hope on it sir.

Ans: Yes, you can try through CSAB rounds. Your near-realistic options include IIIT Bhagalpur, IIIT Kalyani, IIIT Ranchi, IIIT Agartala, IIIT Senapati, IIIT Bhopal (ECE), newer IIITs, and GFTIs. You also have strong chances through CSAB special rounds, where cutoffs often relax. Keep hope for ECE, IT, or CSE admission in newer IIITs via CSAB, but also maintain a Plan B with GFTIs and your state counselling options. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Question by Sanmathi - Apr 24, 2026Hindi

Career

comedk engineering colleges cutoff

Ans: Sanmathi, Official COMEDK Round 1 and final cutoff PDFs show that RVCE remains the most competitive college. Over the past 2–3 years, approximate closing ranks for CSE were RVCE: 200–500, BMSCE: 800–1500, MSRIT: 700–1600, DSCE: 2500–4500, and BIT Bangalore: 4000–7000. For ECE, approximate closing ranks were RVCE: 1200–1800, BMSCE: 2500–4000, MSRIT: 2500–4500, DSCE: 7000–9000, and NIE Mysore: 7000–9500. Cutoffs vary each year based on branch demand, seat matrix, and counselling rounds, so it is important to keep Round 2, Round 3, and backup colleges ready to increase your chances of admission. It is advisable to fill in the maximum number of choices allowed in the COMEDK counselling window to improve your chances of securing admission. By selecting a wide range of colleges and branches, you increase the likelihood of getting a seat that fits your preferences and rank. ALL the BEST for Your Prosperous Future!

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Nayagam P P |11114 Answers |Ask -Follow

Career Counsellor - Answered on Apr 25, 2026

Question by Sanmathi - Apr 24, 2026Hindi

Career

is joining to any coaching courses a good idea to attend karnataka Comed K exams in just 10 days to go

Ans: Sanmathi, the answer is NO. With only 10 days left for COMEDK, joining a full-fledged coaching course is not ideal as there isn’t enough time to adjust to a new schedule or syllabus. Please consider backup options such as KCET, NITTE Meenakshi, Dayanand Sagar, PES, BIT, RUAS, BMS, RVCE, MSRIT etc., either through entrance exams and/or management quota, if affordable. ALL the BEST for Your 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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