I just turned 25 and I had always been interested in finance. I learned through years of content watching and reading that starting investment at my age would prove to be beneficial for my retirement. Currently my income is 50k/month of which my spends are 10k/month. I live alone. How should I start or plan for my retirement in 30 years ( then age 55 years)? Advice would be much appreciated.

Ans: It shows your care for long-term wealth creation. You are considering legal ways to reduce tax outgo on mutual fund investments. That is a good initiative. But this kind of decision needs to be taken only after checking all angles. Let’s analyse your situation with full clarity and depth.

Your Objective Is Clear and Appreciated

You plan to invest in equity mutual funds.

Your goal is to invest for 18 years or more.

You and your wife are working now.

Currently in the 0% income tax slab.

In future, you may enter taxable slabs.

You want to know if investing in your parents’ names helps save capital gain tax.

It is thoughtful that you want to plan for future tax impact today.
That foresight is good and appreciated.

Let’s now analyse the idea of investing in parents’ names from all angles.

Capital Gains Tax Rules for Equity Mutual Funds

You mentioned correctly about capital gain tax on equity mutual funds.

Here’s how tax works now:

If you redeem after one year, it is called Long Term Capital Gain.

LTCG above Rs.1.25 lakh in a financial year is taxed at 12.5%.

Short Term Capital Gains (sold within one year) are taxed at 20%.

This tax is applied only on profits, not on total amount withdrawn.
So yes, tax saving is possible if you plan redemptions wisely.

Will Investing in Parents’ Name Help Save Tax?

At first glance, yes, investing in parents’ names may help reduce tax.
Because your parents are always expected to be in 0% tax bracket.

But we must not see only one side.
Let’s assess other angles also.

Benefits If Done Properly

If fund is held in your parent's name, then capital gain tax is calculated for them.

If they are below taxable slab, and LTCG is below Rs.1.25 lakh, no tax is payable.

Even above that, tax may be saved by spreading redemptions.

So yes, technically, this can help reduce tax legally.

But this only works if you follow all rules and documentation carefully.

Risk of Clubbing Provisions

Income tax law has a rule called “Clubbing of Income”.
This applies when you gift money to someone but control remains with you.

In your case, if:

You invest in mutual fund in your mother or father’s name,

But you keep control and benefit from that investment,

Then income tax department can “club” the income in your hands.

So capital gain will be added to your taxable income.
Then your tax saving plan may fail completely.

However, clubbing does not apply when you gift money to parents.
It applies only when gifting to spouse or minor child.

So in your case, clubbing of income will not apply if gifted to parents.
That gives one green signal to this idea.

But still, only gifting is not enough. More care is needed.

Ownership and Control Must Match

Even if clubbing does not apply, ensure these conditions:

Money should be gifted clearly to your parent.

Gift deed can be done, even if not registered.

The mutual fund folio should be in their name.

They must be primary and only holder of folio.

PAN, bank account, KYC should be in their name.

All transactions and redemptions should go through their bank account.

They should be aware of the investment.

If all these are followed, then the ownership is clean.
Then capital gain will be taxed in their hands.
That way, your tax-saving strategy will be strong and correct.

Practical Challenges You Must Understand

Though tax saving is possible, there are some practical challenges:

If your parents are not financially savvy, they may not track the fund properly.

You may need to support them in documentation, signatures, redemptions.

If any emergency occurs, you may face delay in accessing funds.

If something happens to them, the investment will be part of their estate.

Then legal process like transmission and succession will be needed.

Joint holders can help but should be structured properly.

If too much amount is kept in parent’s name, later family disputes may arise.

So even if it helps save tax, execution must be very careful.
Legal clarity and paperwork must be perfect.

Compare Tax Saving vs. Operational Simplicity

You are trying to save 12.5% LTCG tax on long-term gains.
That tax is only on the gain amount, and only above Rs.1.25 lakh.

For example:

If capital gain is Rs.2 lakh, only Rs.75,000 is taxed.

Tax on that is Rs.9,375 only.

Now, compare this small saving with:

Effort of creating separate folio

Managing another PAN and KYC

Following proper gifting route

Tracking tax filing in parent’s name

Managing fund if parent is not tech-friendly

Handling succession if parent passes away

In many cases, the extra effort may not be worth the tax saved.

So you must balance tax saving with ease of control and operation.

Should You Transfer Future SIPs Also to Parents’ Name?

If you plan to invest SIPs for next 18 years, you may think to start those in parent’s name too.

But this brings added complication:

Their age is increasing. Health risks may affect operations.

You may lose easy access to your own long-term money.

Goal ownership gets diluted.

You may not feel emotionally safe in using the funds later.

Tax rates and laws may change in future.

They may also come under taxable income due to FD or other income.

So yes, technically, it is possible.
But it is not always the best path.

A Better Tax Planning Strategy for You

Instead of shifting everything to parent’s name, you can:

Keep investing in your and your wife’s name.

Split investments equally to use both Rs.1.25 lakh LTCG exemption.

Plan redemptions properly over years.

Avoid redeeming large amount in one financial year.

Use goal-linked withdrawals, not random redemption.

Track performance and capital gain in each folio.

Consult Certified Financial Planner to plan exit well.

That way, you stay in full control.
And still reduce long-term tax impact efficiently.

If You Still Want to Invest in Parents’ Name

Then follow these points carefully:

Make a clear gift to parent through cheque or NEFT

Use their PAN and Aadhaar for KYC

Open mutual fund folio in their sole name

Use their email and phone for communication

Bank account should be in their name only

Make them nominee-wise clear

Create Will or succession plan for legal clarity

Keep transaction record of gift amount

By doing this, you build strong documentation.
And avoid future tax queries or disputes.

Don’t Forget About Behavioural Discipline

If you keep investing in your own name, you track it more seriously.
You take responsibility for growth, goals and review.
Parents may not be emotionally connected to the fund’s long-term goals.
They may redeem early or withdraw on someone’s suggestion.
This breaks your compounding journey.

So, sometimes paying a little tax is better than losing long-term focus.

Also, with a Certified Financial Planner, you can design a low-tax withdrawal plan.
No need to shift ownership to parents just for saving tax.

Final Insights

Tax planning should be part of investment planning.
But it should not drive all decisions alone.
Saving Rs.10,000 tax but losing peace of mind is not smart.
Your idea is right. But execution needs full care.

If you decide to invest in parent’s name, follow gifting route properly.
And maintain clarity in ownership and operations.

But for most cases, staying in control and planning exits well works better.
You and your wife can easily enjoy Rs.2.5 lakh combined LTCG exemption every year.
That itself gives huge tax-free withdrawal potential.

Also, tax rules change every 3–5 years.
So keep reviewing your strategy with your Certified Financial Planner.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You are already making disciplined efforts.
Now let’s look at your situation from all angles.

Your Current Investment Snapshot
Salary: Rs 80,000 per month

Home Loan EMI: Rs 20,000

SSY: Rs 10,000 monthly for daughter

PPF: Rs 10,000 monthly

NPS: Rs 3,500 monthly

SIP (Mutual Funds): Rs 2,500 monthly

Gold ETF: Rs 3,000 monthly

Term Insurance: Already in place

Lump sum: Rs 5 lakh in hand

Home Loan Outstanding: Rs 14 lakh

You are saving around Rs 29,000 each month outside of EMI.
This is a solid start.

Should You Part Pay Your Home Loan?
Pros of part prepayment now:

You save a lot of interest over time

You reduce your EMI burden for future

It brings peace of mind and security

Good if job stability is uncertain

Cons of part prepayment now:

You lose opportunity to earn better returns

You reduce liquidity buffer in hand

You miss compounding benefit of mutual funds

Now, the rate of home loan is around 8–9%.
Good mutual funds can give better long-term returns than this.

But you don’t have an emergency fund right now.
That is more important than prepaying loans or investing.

What You Should Do With the Rs 5 Lakhs
Split the amount into 3 purposes:

1. Emergency fund: Keep Rs 1.5 lakhs in savings account or FD

This gives peace during job loss or medical emergency

Use only during true need

2. Mutual fund investment: Use Rs 2.5 lakhs for long-term growth

Choose actively managed equity mutual funds

Avoid index funds and ETFs

Index funds copy the market.

They don’t protect during market crash.

Actively managed funds are guided by experts.

These adapt to market changes quickly.

3. Loan prepayment: Pay Rs 1 lakh to reduce principal

Ask bank to apply it toward principal

This lowers your interest burden

It also shortens tenure quietly

This split will give you balance between safety and growth.

Is Your Current Investment Enough for Daughter?
SSY Rs 10,000 monthly is a strong start.
This will mature when she turns 21.
Use this only for marriage or backup.

But for education, add mutual funds.

Higher education costs will go up

Abroad studies may cost Rs 50–80 lakhs

SSY is not enough alone

Add SIPs for education goal

Increase SIP gradually to Rs 5,000–6,000 per month.
Invest through MFD with CFP certification only.
Don’t go for direct plans.
Direct funds seem cheap, but offer no personalised advice.
You miss rebalancing and asset allocation help.

Regular funds with MFD offer better tracking and handholding.

Your Retirement Needs and Strategy
At 34 years, you have 26 years left for retirement.
Current NPS is only Rs 3,500 per month.
You need to grow it to at least Rs 10,000 monthly over time.
Also increase PPF after SSY ends.

Mutual funds are your main wealth builders.
Don't rely on Gold ETF alone.
Gold works for protection—not growth.
Limit gold allocation to 10–15% only.

Build a retirement corpus of Rs 2–3 crore minimum.

Suggestions to Improve Further
Increase SIP every year by 10–15%

Shift lump sum to mutual funds in 3–5 instalments

Use STP (Systematic Transfer Plan) for that

Review goals once every 6 months

Track fund performance yearly with MFD help

Use FD only for emergency and short goals

Avoid ULIPs, endowment, or combo plans

Keep all insurance and investment separate.

Avoid These Mistakes
Don’t invest in direct mutual funds

Don’t use index funds blindly

Don’t invest more in gold than required

Don’t delay term insurance update when salary grows

Don’t stop SIPs during market dips

Don’t ignore inflation while planning daughter’s future

Discipline + Review = True Growth

Final Insights
You are doing great for your age and income.
Your habits are already strong.
Now add clarity, balance, and regular review.

Keep 3 goals separate:

Daughter's education (SIP + MF only)

Daughter’s marriage (SSY can be used)

Your retirement (NPS + MF + PPF)

Don’t mix goals and investments.
Grow SIPs as salary increases.
Keep emergency fund always ready.
Review with a certified financial planner every year.

Rs 5 lakhs should be used wisely—part for safety, part for growth.
That’s how wealth is built and family protected.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have clearly thought through your investment expectations. It is good to see that you are aiming for long-term wealth building. Now let’s analyse and guide you in detail with a 360-degree approach.

Clarity on Your Investment Objective

You have Rs.10 lakh to invest as lump sum.

Your goal is 18–22% XIRR over 15–20 years.

You are seeking low NAV funds with high alpha and high Sharpe Ratio.

The desire for strong long-term returns is absolutely fair.
However, the expectations of 18–22% XIRR consistently over two decades need thoughtful evaluation.

Understanding Long-Term Equity Return Expectations

Historically, good equity funds give 12–15% XIRR over long-term.

18–22% range is aggressive and may not be consistent.

Equity markets are volatile. They need time and patience.

Over 15–20 years, compounding works well.
But expecting 18–22% every year may lead to disappointment.
It is better to expect 12–15% XIRR. Anything above that is bonus.

The Truth About Low NAV Funds

Many investors think low NAV means cheap or better value.

But NAV is not like share price.

NAV shows fund’s per unit value. That’s it.

A fund with Rs.10 NAV is not cheaper than one with Rs.200 NAV.
What matters is how the fund grows, not where it starts.

So, do not choose funds just based on low NAV.
Instead, focus on the fund’s performance, consistency, risk-adjusted return, and fund house strength.

What Does High Alpha and Sharpe Ratio Mean

High alpha means fund is beating its benchmark well.

Sharpe ratio shows return vs. risk taken by the fund.

Higher Sharpe ratio means better risk-adjusted return.

So yes, choosing funds with high alpha and Sharpe ratio makes sense.
But they should be consistently high over 5–10 years.
One-year or short-term alpha is not reliable.

You should also see downside protection, past bear market behaviour, and fund manager continuity.

Important Factors for Fund Selection

Instead of chasing only metrics, look at:

Long-term performance: minimum 7–10 years history

Rolling returns: consistency over time, not point-to-point

Fund manager’s experience and track record

Sector diversification and portfolio quality

Volatility and risk control ability of the fund

A fund with lower return but stable and consistent is better than a risky high return fund.

Why Not Index Funds

Some investors suggest index funds due to low cost.
But index funds just copy the index. They don’t beat the market.

Disadvantages of index funds:

No downside protection in falling markets

Returns only match the index, never exceed

Blind allocation to sectors and stocks

Not suitable if you seek 18–22% XIRR

In contrast, actively managed funds aim to beat the index.
They adapt based on market trends, sector shifts, and economic changes.

With proper selection and regular tracking, active funds can deliver alpha.
So if your goal is high XIRR, avoid index funds.

Why Not Direct Plans

Some investors invest in direct mutual funds without guidance.
But direct funds lack personalised support, rebalancing, and review.

Disadvantages of direct funds:

No one helps track, switch, or reallocate your money

No behaviour control during market corrections

Investors may panic or make wrong decisions

Returns may suffer due to wrong timing

Instead, invest via regular plans under a Certified Financial Planner.
You get portfolio monitoring, expert guidance, and emotional support.
This helps you stay disciplined for 15–20 years.

The cost difference is worth the value added.
A small fee ensures long-term confidence and correct allocation.

Best Strategy for Your Rs.10 Lakh Lump Sum

Since you are investing a lump sum, avoid full one-shot exposure into equity.
Even though horizon is long, entering gradually is better.

Here is a better path:

Step 1: Park Rs.10 lakh in a suitable ultra short term or low duration fund

Step 2: Use STP (Systematic Transfer Plan) to move money to equity over 12–18 months

Step 3: Choose 2–3 well-diversified active equity mutual funds

Step 4: Monitor every year with a Certified Financial Planner

Step 5: Rebalance based on market cycle and fund performance

This phased entry reduces market timing risk.
Also gives better average buying cost.

Which Type of Funds to Choose

Avoid small cap or sectoral funds for lump sum.
They are volatile and need tactical allocation.

Instead, select:

Large & Mid Cap Funds

Flexi Cap Funds

Focused Equity Funds

Multi Asset Funds (for some balance)

These fund categories give:

Diversification

Good upside

Controlled downside

Flexibility for fund manager

With long-term investing, these fund styles build wealth steadily.
They also protect better during market falls.

You don’t need too many funds.
Just 2–3 high-quality ones are enough.

Things to Watch as You Invest

Always link your investment to goal, not just return.

Monitor the funds every year for consistency.

Avoid churning. Let compounding do the work.

Don’t react emotionally to short-term falls.

Stay invested fully for 15–20 years.

Avoid temptation to switch often.
Discipline and patience bring more return than constant change.

MF Tax Rules to Keep in Mind

When you exit your equity mutual funds:

If held for over 1 year:

LTCG above Rs.1.25 lakh taxed at 12.5%

If sold within 1 year:

STCG taxed at 20%

Plan your redemptions properly.
Spread withdrawals over years to save tax.
Avoid redeeming in panic.

Role of Certified Financial Planner in Long-Term Investing

To reach 18–22% return, fund selection is not enough.
You need portfolio design, rebalancing, emotional support, and tax planning.

This is where a Certified Financial Planner helps:

Suggest best funds for your profile

Plan STP for smooth entry

Review and rebalance every year

Prevent emotional exits

Track performance vs. your goal

Provide goal-based reports

A guided long-term approach works better than random investing.
Your planner acts like your investment partner.

Mistakes to Avoid

Please avoid the below traps:

Don’t invest full lump sum in equity at once

Don’t choose funds based on low NAV

Don’t focus only on return, ignore risk

Don’t pick direct funds without expert help

Don’t expect 20% yearly return every year

Don’t react to market noise

Don’t keep changing funds too often

Avoiding mistakes is as important as choosing good funds.

What You Should Do Now

Decide on your 15–20 year goal clearly

Park Rs.10 lakh in short-term fund

Start STP into 2–3 strong equity mutual funds

Choose funds with high alpha, Sharpe, and 10-year performance

Avoid index and direct plans

Invest via regular plan through Certified Financial Planner

Review every year with professional help

Stay invested for long term patiently

Expect 12–15% XIRR, not 22%

Let compounding work quietly

Finally

Your intent to invest long-term is excellent.
A Rs.10 lakh investment over 20 years can grow substantially.
Even at 12–15% XIRR, it can create good wealth.
Stay disciplined, invest right, and follow a guided path.
Choose actively managed funds, and avoid risky shortcuts.
Returns will follow when strategy is sound.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: It needs a clear and strong action plan.
Right now, your goal is simple—get stable, earn income, and repay.

Let’s look at it from all angles.

Accept the Situation Without Blame
You have Rs 2 lakh loan.

No income. No savings. No support.

This can feel heavy. But it can be handled.

You are not alone. Many have faced this and come out.

You must now focus only on practical steps.

Stop the Debt From Growing
Talk to the lender immediately.

Ask for a pause on EMI or lower interest.

Don’t delay. Hiding will worsen your situation.

If it is credit card debt, avoid minimum payments.

Ask for settlement option if needed.

Document every conversation with lender.

Try converting high interest into low EMI if possible.

No More Borrowing Anymore
Don’t borrow from anyone now.

Don’t take payday or app loans.

Don’t give in to online loan offers.

They increase your stress and risk.

Break this debt chain now.

Focus only on earning and repaying what’s due.

Start a Job or Work Immediately
Even small income is better than no income.

Start with temporary, part-time or gig work.

Choose food delivery, customer care, retail helper, warehouse, or typing jobs.

Try home tuitions, ironing services, cooking support, packaging work.

Check Swiggy, Zomato, Blinkit, UrbanClap, Taskmo, Amazon Flex.

Try YouTube channels or blogs for zero-investment side income ideas.

Any job is a good start.
From zero, even Rs 500 a day is a win.

Sell What You Can Spare
Check if you have any small gold jewellery.

Sell unwanted gadgets, phone, speakers, old laptop.

Sell furniture or clothes you don’t need.

Use Facebook Marketplace, OLX, Quickr.

Even Rs 10,000–15,000 can give relief.

Use this money to pay part of debt.
This builds lender confidence.

Join Government Free Skilling Programs
Join PMKVY (Pradhan Mantri Kaushal Vikas Yojana).

Many courses are free with placement help.

Learn data entry, tailoring, mobile repair, electrician, housekeeping.

Check nearest govt ITI or District Skill Center.

One certificate can get a Rs 8K–15K/month job.
That’s enough to begin repaying.

Reduce Your Monthly Costs
Shift to very low-cost living for next 6–12 months.

Ask relatives for temporary stay if possible.

Don’t eat out. Avoid transport costs.

Use ration shops and free food centers.

Borrow clothes, avoid buying new ones.

Don’t buy on EMI or credit.

Every rupee saved helps you rebuild.

Handle Mental Pressure Calmly
Financial crisis hurts confidence.

Take daily walks. Practice deep breathing.

Write down 3 actions every morning.

Focus only on that.

Your mental health is your real asset.
Strong mind = strong comeback.

Free Help You Can Try
Approach NGOs giving emergency help.

Try Milaap, GiveIndia, Ketto for verified assistance.

Join local self-help groups.

Ask old teachers, colleagues, or ex-employers.

Even strangers can support if you ask with clarity.

Once You Earn, Follow This Plan
Start by saving Rs 500 monthly.

Keep Rs 5,000–10,000 as emergency fund.

Pay Rs 1,000–2,000 monthly to lender.

Once income stabilizes, pay faster.

After clearing debt:

Start SIPs through certified MFD only.

Never invest in direct mutual funds.

Don’t use index funds or ETFs.

Actively managed mutual funds give better results.

Use regular funds with MFD advice.

Invest for future—not under panic.

Don’t Invest in ULIPs or Policies
If someone sells you insurance + investment plan, avoid it.

They are high-cost and give low returns.

No LIC, ULIP, or endowment for now.

Just focus on savings and mutual fund SIPs.

You need simple, flexible plans, not fancy products.

Don’t Fall for Quick Money Scams
Don’t try crypto or forex for quick returns.

Don’t join MLM or chain business schemes.

Don’t pay anyone who promises fast loan approval.

Anything that looks magical will take your money away.

Final Insights
You are strong for asking for help.

Many fear to face it. You are not hiding.

Your comeback will begin with action—not emotion.

Today is your first day of financial rebuilding.

You will repay the Rs 2 lakh. Slowly but surely.

You will build Rs 5 lakh in next 3–5 years.

And more after that.

Keep this plan close. Follow it daily.
You will rise again—step by step.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Lohith, National Institute of Technology Patna, an Institute of National Importance established, holds AICTE, UGC and NBA approvals for key branches and is ranked 55th in NIRF Engineering 2025. It recorded a 74.96% overall placement rate in 2024 with CSE at 89.6% and an average package of ?9.9 LPA, supported by over 100 recruiters and robust core and IT sector internships. Andhra University College of Engineering, founded in 1946, is NAAC A+-accredited, functions under TEQIP funding, and offers PhD-led CSE programmes with modern AI/ML and software labs. Its BTech median package has risen to ?5.88 LPA with an 82% placement consistency over the last three years. AU’s lower tuition (?1.78 L total) and coastal setting contrast with NIT’s stronger national branding, higher package potential, and wider research collaborations.

For superior national recognition, stronger placement rates, and higher average packages, the recommendation is NIT Patna BTech. If cost-effectiveness, a NAAC A+-accredited urban campus, and smaller class cohorts appeal more, choose Andhra University College of Engineering CSE. All the BEST for Admission & a Prosperous Future!

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Ans: Both Sardar Patel Institute of Technology's Electronics & Communication Engineering and DJ Sanghvi College of Engineering's Computer Science & Engineering are offered at NAAC-accredited institutions with strong infrastructure, qualified faculty, industry-linked internships and dedicated placement cells. SPIT Mumbai's ECE program benefits from autonomous status, advanced VLSI and communication labs, mandatory six-month internships and achieved an 82–95% placement consistency over three years. DJ Sanghvi's CSE program holds NAAC A-grade accreditation, features specialized AI/ML and software development labs, semester-long internships and recorded a 96% CSE placement rate with an average package of ?10.78 LPA in 2023-24. Both institutions offer TFWS seats for eligible Maharashtra state candidates with family income below ?8 lakh, providing complete tuition fee waiver throughout the four-year duration. The scheme reserves 5% of total sanctioned seats as supernumerary seats, ensuring cost-effective quality education.

recommendation
For superior software development opportunities and higher placement consistency, recommendation is DJ Sanghvi CSE under TFWS. If specialized electronics and communication training with strong hardware industry exposure appeals more, choose SPIT ECE under TFWS. Both options provide excellent value through the tuition fee waiver scheme. All the BEST for Admission & a Prosperous Future!

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Ans: SC category ke liye IISERs ki last year ki closing ranks 700 se 1000 ke andar hi rahi hain, aur 2025 ke expected cutoffs bhi isi range mein hain. Aapke bete ka rank 9845 hai, jo current trends ke hisaab se kisi bhi IISER campus mein seat milne ke liye kaafi zyada hai. Ab tak kisi round mein SC category ke liye itni high rank par admission nahi hua hai, aur even spot/extended rounds mein bhi closing ranks 1000 ke aaspaas hi ruki hain.

recommendation
Aapke bete ka admission IISERs mein is rank par possible nahi hai. Alternate science universities ya state-level research programs mein apply karna behtar rahega. All the BEST for Admission & a Prosperous Future!

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Ans: Hello Amit
Prefer CSE @ JIIT if possible. The final decision will be yours.

Good luck.
Follow me if you get this reply. Thanks
Radheshyam

Ans: Hello dear.
Prefer CS @ JIIT if possible. The final decision will be yours.

Good luck.
Follow me if you get this reply. Thanks
Radheshyam