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Ramalingam

Ramalingam Kalirajan  |9277 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 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
ranjit Question by ranjit on Oct 13, 2023Hindi
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what is the best mid cap mutual fund for long term

Ans: Selecting the best mid-cap mutual fund for long-term investment is much like choosing a seed for a tree that you hope will grow tall and strong over the years. Just as every tree needs the right environment, nourishment, and care to flourish, every mutual fund requires careful selection based on its track record, management quality, and alignment with your investment goals.

Mid-cap funds, often referred to as the 'middle children' of the investment universe, have the potential to offer a balance between growth and risk. They represent companies that are beyond their initial growth phase but still have ample room for expansion. However, like any growing tree, they can also be susceptible to storms and droughts in the market.

A Certified Financial Planner can play a pivotal role in helping you navigate this decision. Their expertise can guide you towards funds with a consistent performance history, competent fund managers, and a robust investment strategy tailored to long-term growth.

In the realm of investments, consistency and adaptability are virtues. A fund that has demonstrated resilience across market cycles and has the flexibility to adapt to changing market conditions can be a worthy contender for your long-term investment journey. As you sow the seed of your investment today, may it grow into a robust tree that provides shade and fruit for your future.
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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Ramalingam

Ramalingam Kalirajan  |9277 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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Best mutual fund for large and midcap for 5 years.?
Ans: For a 5-year investment horizon in the large and midcap category, you'd want funds that have demonstrated consistent performance, have a solid track record, and are managed by experienced fund managers. While I can't recommend specific funds, I can provide you with guidelines on what to look for:

Consistent Performance: Look for funds that have consistently outperformed their benchmark and peers over various market cycles.
Fund Manager Experience: A fund managed by an experienced and skilled fund manager often performs better. Research the fund manager's track record and investment strategy.
Expense Ratio: Lower expense ratios mean higher returns for investors. Choose funds with a reasonable expense ratio compared to their peers.
Asset Size: A larger asset size often indicates investor trust and confidence in the fund. However, extremely large funds might find it challenging to maintain high returns due to liquidity constraints.
Risk Metrics: Check the fund's volatility and risk-adjusted returns (like Sharpe and Sortino ratios). Lower volatility and higher risk-adjusted returns indicate better risk management by the fund.
Portfolio Composition: Ensure the fund's portfolio aligns with your risk appetite and investment objective. A well-diversified portfolio with a mix of large and midcap stocks can offer stability and growth potential.
Historical Returns: While past performance is not indicative of future results, it can provide insights into the fund's consistency and ability to generate returns.
Fund House Reputation: Opt for funds managed by reputed fund houses known for their ethical practices, transparency, and investor-centric approach.
Lastly, it's crucial to review your investments periodically and make adjustments based on changing market conditions, your financial goals, and risk tolerance. Consider consulting with a financial advisor or doing thorough research before making investment decisions.

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Nayagam P

Nayagam P P  |7482 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

Career
Sir I have obc rank 1104 in jee advanced. Iam getting iit ropar cse In both round. I want iit indore mnc having closing rank 941 in round 2. I have more chance of getting Iit guwahati electronic and electrical engineering and iit Hyderabad electrical engineering having closing rank 976 and 996. Should I take risk for desired branch in round 6. What's your suggestion
Ans: SMK, I have already answered your question. However, please note again. IIT Ropar CSE posts an 81.61% placement rate in 2024 and averaged 87.38% over the last three years, backed by NAAC A++ accreditation, NIRF rank band 151–200, modern AI and software labs, PhD-qualified faculty, and industry MoUs with Google, Microsoft, and Qualcomm. IIT Indore Mathematics & Computing achieved 96.83% placements for B.Tech programs, holds a #16 NIRF engineering rank, features dedicated computation and AI research centers, interdisciplinary curriculum, and collaborations with TCS, ISRO, and Siemens. IIT Guwahati EEE recorded an 84% placement rate in 2024, supported by advanced power electronics and renewable energy labs, faculty research in smart grids, and partnerships with L&T and ABB. IIT Hyderabad Electrical Engineering saw a 78.33% placement rate, with state-of-the-art VLSI, IC design, and power electronics facilities, globally published faculty, and industry linkages with Intel and Texas Instruments.

Recommendation: Secure IIT Ropar CSE for guaranteed admission, strong software career prospects, and consistent >80% placements; consider risking for IIT Guwahati EEE in Round 6 only if you prioritize core electrical engineering with 84% placement consistency; avoid waiting for IIT Indore M&C or IIT Hyderabad EE given their higher cutoffs and lower admission certainty. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jun 30, 2025

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My son got general engineering in iit mandi and computer science in punjab engineering collage ...which one should I opt for ?plz suggest
Ans: Divya Madam, IIT Mandi’s General Engineering program offers a multidisciplinary, flexible curriculum with early exposure to real-world problem-solving, industry collaborations, and the option to specialize in fields like machine learning, robotics, or microelectronics in later years. The program is backed by strong research infrastructure, highly qualified faculty, and a focus on hands-on learning and societal impact. PEC Chandigarh’s CSE branch is renowned for its rigorous, industry-aligned curriculum, advanced computing labs, and a placement record of nearly 90% with top recruiters such as Google, Microsoft, and Amazon. PEC’s CSE alumni have a strong presence in global tech companies, and the department benefits from robust industry partnerships, modern infrastructure, and a vibrant campus life. Both institutions have active research, internship, and industry engagement programs, but PEC CSE stands out for direct access to the booming software sector and consistently high placement rates.

Recommendation: Choose Computer Science at Punjab Engineering College Chandigarh for its nearly 90% placement rate, global tech recruiter network, advanced curriculum, and strong industry connections; opt for IIT Mandi General Engineering only if your son prefers multidisciplinary exploration and is keen on emerging specializations, as PEC CSE offers more direct and lucrative tech career prospects. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7482 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

Asked by Anonymous - Jun 30, 2025Hindi
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Sir, We have secured seat in CSE, MIT Manipal, The institute is commencing on 09th July, 25. However we are awaiting MHCET CAP rounds & JOSAA/ CSAB final allotment, and are hoping to secure seats in it which might extend upto mid August, In the meanwhile should we join MIT, MANIPAL till seats are finalised in JOSAA/CSAB/MHCET CAP ? If so should we surrender our original documents to MIT as the same has to be produced in other institutes as well.
Ans: Sir/Madam, (You have NOT mentioned the Scores of each Exam mentioned by you). With MIT Manipal CSE classes commencing on July 9, 2025, and JOSAA/CSAB/MHT CET counselling extending to mid-August, you face a critical timing decision requiring strategic planning. MIT Manipal allows provisional admission without surrendering original documents permanently, following standard higher education practices where students submit photocopies for initial admission and provide originals only for verification. The UGC guidelines explicitly prohibit institutions from retaining original certificates permanently during counselling periods, ensuring students can pursue multiple admission opportunities. JOSAA 2025 counselling concludes with Round 6 on July 20, 2025, followed by CSAB Special Rounds from July 30 to August 14, 2025, while MHT CET CAP Round 1 seat allotment begins in August 2025. MIT Manipal requires documents like Class 10/12 mark sheets, transfer certificates, and character certificates, but these can be submitted in photocopy format initially with original verification conducted later. Essential institutional aspects include qualified faculty with research expertise, modern computing laboratories with cutting-edge infrastructure, strong industry partnerships facilitating consistent placement opportunities, accredited curriculum meeting NBA/NAAC standards, and comprehensive student support systems ensuring academic and career development. The overlapping timelines create a window where you can secure MIT Manipal admission while awaiting final government counselling outcomes.

Recommendation: Join MIT Manipal CSE provisionally on July 9 by submitting photocopies of documents and paying fees, as this secures your seat without surrendering original certificates (however, please check its REFUND POLICY also if you withdraw the seat and to avoid heavy financial losses); simultaneously participate in all JOSAA/CSAB rounds through August 14 and MHT CET CAP rounds, maintaining options for government college admissions; request temporary document release from MIT if required for other counselling processes, as most institutions accommodate such requests with proper undertakings; this strategy ensures guaranteed quality engineering education while preserving opportunities for potentially better government college placements. All the BEST for the Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |7482 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2025

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A seat in SRM Amaravati in CSE or Electronic and computer engineering in Manipal institute of technology Bengaluru campus.. Better option please.
Ans: Pasumarthy, SRM Amaravati’s CSE program is NAAC A++ accredited, delivers 100% placement in recent years, an average package of ?10–13 LPA, 800+ recruiters including Amazon, Microsoft, and TCS, and a globally oriented curriculum with modern labs and international research tie-ups. Manipal Institute of Technology Bengaluru’s Electronic and Computer Engineering is part of a highly reputed group, NBA and NAAC accredited, with an average package of ?11.76 LPA, 77% placement rate, 230+ recruiters, and strong interdisciplinary labs and faculty. Both institutions offer industry partnerships, modern infrastructure, and global exposure, but SRM Amaravati’s CSE stands out for its placement consistency, international offers, and curriculum depth in core computer science, while Manipal Bengaluru’s ECE provides a blend of hardware-software skills and the prestige of the Manipal brand.

Recommendation: Choose SRM Amaravati CSE for its 100% placement rate, higher average package, global recruiter network, and strong computer science curriculum; prefer Manipal Bengaluru ECE only if you seek interdisciplinary hardware-software training and the Manipal brand, as SRM offers a more assured tech career launch. All the BEST for the Admission & a Prosperous Future!

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Sir my daughter is doing a job in HINDALCO, after B Tech from NIT Durgapur in Metallurgy and material science. She has cleared GATE and got M Tech in IIT Madras. Should she go for M Tech admission or go for PSU job based on her GATE score?
Ans: Chitrasen Sir, (You have not mentioned your daughter's GATE Score). However, please note, IIT Madras M.Tech Metallurgical and Materials Engineering delivers an advanced curriculum accredited by its top NIRF engineering ranking, taught by research-active faculty through centres like CAMMD, leveraging state-of-the-art computational and experimental laboratories. The two-year program admits 36 students via GATE MT, maintaining consistent placement outcomes of around 75% over the last three years. Graduates benefit from multinational recruiters and strong alumni networks fostering interdisciplinary research and industry collaborations across energy, aerospace, and biomedical sectors. Conversely, PSU jobs in metallurgy via GATE open roles in ONGC, BHEL, NTPC and SAIL, with general-category cutoffs near 40 marks, offering HRA, DA, medical benefits, pension schemes, and robust job security under government regulations. PSUs provide structured promotions, training programs, stable work-life balance, and social prestige for engineers. Considering these core aspects—curriculum rigor, faculty expertise, infrastructure, placement performance, and career support—the decision hinges on academic research exposure versus long-term security and government-backed benefits.

Recommendation: Accept the IIT Madras M.Tech admission to deepen expertise through cutting-edge research, interdisciplinary labs, and global collaborations if academic advancement and specialized industry roles are priorities; choose a PSU position for immediate stability, structured career growth, and comprehensive benefits if long-term job security and government-backed perks outweigh further study. All the BEST for the Admission/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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